Deel Fractional Insurance Integration | 1099Policy

Deel Integration Guide

Learn how to extend Deel compliance with 1099Policy to add fractional insurance options for global contractors and automatically validate COIs for active contracts.

1. Overview

Connect Deel contract data to 1099Policy to ensure that every fixed-rate, hourly, or milestone-based engagement is insured or has a validated certificate of insurance (COI) before work begins. This integration automates policy binding, COI validation, and compliance updates between both systems.

By integrating Deel and 1099Policy, you can:

2. Integration Flow

Coverage should be bound as soon as a Deel contract is fully executed but before any services or payments occur. This ensures compliance and protection from the start of the engagement.

3. Core Concepts

Each Deel object maps directly to a 1099Policy resource, ensuring consistent coverage tracking.

Deel Object 1099Policy Object Description
Contract Job + Assignment Job defines scope and rate; Assignment binds coverage to duration
Worker Contractor Represents the insured individual
Document (COI upload) Certificate BYO-COI intake and validation
Contract ID custom_metadata.contract_id Reconciliation key

4. End-to-End Implementation

This section shows how to retrieve Deel data and create corresponding 1099Policy records step-by-step.

4.1 Create Contractor

Each Deel Worker must exist in 1099Policy as a Contractor before you can create Quotes or Assignments. Every Contractor must include a unique contact.email to ensure tenant-level uniqueness. If Deel does not expose an email address, generate a proxy such as <worker_id>@relay.yourdomain.com.

Deel Field 1099Policy Contractor Notes
worker.id custom_metadata.deel_worker_id Reconciliation key
first_name, last_name contact.first_name, contact.last_name Required
email contact.email Required; use proxy if missing
country address.country Optional
region / city address.region / address.city Optional

Source: Deel (REST)

GET https://api.letsdeel.com/rest/v2/workers/{worker_id}
Authorization: Bearer deel_live_***

Destination: 1099Policy (POST /contractors)

POST https://api.1099policy.com/api/v1/contractors
Authorization: Bearer t9k_test_***
Content-Type: application/json
Idempotency-Key: deel-worker-<WORKER_ID>

{
  "contact": {
    "first_name": "Jordan",
    "last_name": "Cruz",
    "email": "w_8831@relay.yourdomain.com"
  },
  "address": {
    "country": "US",
    "region": "NY",
    "city": "New York"
  },
  "custom_metadata": {
    "deel_worker_id": "w_8831"
  }
}

4.2 Create Job

Jobs represent the contract scope, category, and compensation. Create a Job when a Deel contract transitions to Active.

1099Policy Job Field Deel Source Notes
name contract.title Role or contract title
description contract.description Scope of work
entity Internal client/account ID Must exist in 1099Policy
category_code job_family → mapped code Maintain mapping
wage (cents) contract_rate.amount × 100 Required
wage_type payment_unit → "hourly" or "flatfee" Required
region worker_country Defaults to contractor region
custom_metadata.contract_id contract.id Reconciliation

Source: Deel (REST)

GET https://api.letsdeel.com/rest/v2/contracts/{contract_id}
Authorization: Bearer deel_live_***

Destination: 1099Policy (POST /jobs)

POST https://api.1099policy.com/api/v1/jobs
Authorization: Bearer t9k_test_***
Content-Type: application/json

{
  "name": "Marketing Design Contract #4451",
  "description": "Create campaign assets and landing pages for Q4 launch",
  "entity": "en_12AbC3",
  "category_code": "MARKETING_DESIGN",
  "wage": 500000,
  "wage_type": "flatfee",
  "region": "US",
  "custom_metadata": { "contract_id": "4451" }
}

4.3 Create Quote

Quotes determine the policy type and coverage duration for the Deel contract.

1099Policy Quote Field Deel Source Notes
contractor Worker → Contractor mapping Must exist first
job Returned Job ID Required
coverage_type[] Compliance requirements e.g., ["workers-comp","general"]
effective_date start_date (epoch UTC) Required
end_date end_date (epoch UTC) Required
custom_metadata.contract_id contract.id Reconciliation key

Source: Deel (REST)

GET https://api.letsdeel.com/rest/v2/contracts/{contract_id}/details
Authorization: Bearer deel_live_***

Destination: 1099Policy (POST /quotes)

POST https://api.1099policy.com/api/v1/quotes
Authorization: Bearer t9k_test_***
Content-Type: application/json

{
  "contractor": "cn_Kh18Qs",
  "job": "jb_Dl9n42",
  "coverage_type": ["workers-comp","general"],
  "effective_date": 1764300000,
  "end_date": 1766892000,
  "custom_metadata": { "contract_id": "4451" }
}

4.4 Create Insurance Application Session

The insurance application session allows the contractor to review and bind their first policy before work begins.

Destination: 1099Policy (POST /apply/sessions)

POST https://api.1099policy.com/api/v1/apply/sessions
Authorization: Bearer t9k_test_***
Content-Type: application/json

{
  "quote": "qt_Pf5LmA",
  "success_url": "https://app.deel.com/contracts/4451?coverage=active",
  "cancel_url": "https://app.deel.com/contracts/4451?coverage=canceled",
  "custom_metadata": { "contract_id": "4451" }
}

4.5 Create Assignment

Assignments apply coverage automatically for returning contractors who already completed their opt-in.

Destination: 1099Policy (POST /assignments)

POST https://api.1099policy.com/api/v1/assignments
Authorization: Bearer t9k_test_***
Content-Type: application/json

{
  "contractor": "cn_Kh18Qs",
  "job": "jb_Dl9n42",
  "effective_date": 1764300000,
  "end_date": 1766892000,
  "coverage_type": ["workers-comp","general"],
  "custom_metadata": { "contract_id": "4451" }
}

4.6 Upload Certificate (BYO-COI)

If a contractor provides their own COI via Deel’s Documents API, upload it to 1099Policy for validation.

Source: Deel (REST)

GET https://api.letsdeel.com/rest/v2/contracts/{contract_id}/documents
Authorization: Bearer deel_live_***

Destination: 1099Policy (POST /files/certificates)

(multipart upload)

Fields:

4.7 Record Invoice (Optional)

If the contractor’s final pay differs from the original estimate, record the actual remuneration for reconciliation and audit. This step is optional and does not affect insurance coverage.

Destination: 1099Policy (POST /invoices)

POST https://api.1099policy.com/api/v1/invoices
Authorization: Bearer t9k_test_***
Content-Type: application/json

{
  "contractor": "cn_ti8eXviE4A",
  "job": "jb_rajdrwMUKi",
  "gross_pay": 1200,
  "paycycle_startdate": 1714419793,
  "paycycle_enddate": 1714419793
}

Unix timestamp Use Unix seconds (UTC) for paycycle_startdate and paycycle_enddate.

5. Webhooks

Webhooks synchronize insurance and contract data across both platforms.

Source Event Action
Deel contract.activated Create Job and Quote
Deel contract.updated Adjust Assignment coverage window
Deel contract.completed End coverage
1099Policy policy.active Mark contract as insured
1099Policy policy.canceled / policy.expired Mark coverage inactive
1099Policy certificate.validated Mark COI as valid
1099Policy certificate.flagged Trigger compliance review

6. Testing Checklist

Verify that your integration binds coverage and syncs correctly with Deel events.

7. References