Rippling Fractional Insurance Integration | 1099Policy

Rippling

Learn how to connect Rippling’s contractor management API with 1099Policy to automate insurance validation, bind fractional coverage, and synchronize compliance events for every contractor engagement.

1. Overview

Connect Rippling’s contractor management data to 1099Policy so each contractor engagement is properly insured or has a validated Certificate of Insurance (COI) before work begins.

You can:

2. Integration Timing & Trigger

Coverage should begin when a contractor engagement or payment is finalized. Rippling’s Contractor API provides status changes when contracts are created or updated—ideal moments to trigger 1099Policy coverage workflows.

Employment type filter

1099Policy integrations must explicitly filter for employment_type = CONTRACTOR using Rippling’s People or Employment APIs.

3. Core Concepts

Each Rippling object maps to a corresponding 1099Policy resource to maintain contractor coverage, documentation, and audit trails.

Rippling Object 1099Policy Resource Description
Contractor (Person) Contractor Must exist before quoting coverage
Contract or Engagement Job + Assignment Defines scope, pay, and coverage period
Document (COI) Certificate Optional—used for validation
Payment / Invoice Invoice Optional—records final remuneration
Identifiers (person_id, contract_id) custom_metadata.* Used for reconciliation only

4. End-to-End Implementation

Follow these steps to integrate Rippling and 1099Policy for automated contractor coverage.

4.1 Create Contractor

Each Rippling contractor must exist in 1099Policy before creating Quotes or Assignments. Include a unique email address for tenant-level uniqueness. Generate a proxy if Rippling does not expose one (e.g., <person_id>@relay.yourdomain.com).

Rippling Field 1099Policy Contractor Notes
person.id custom_metadata.rippling_person_id Reconciliation key
first_name, last_name contact.first_name, contact.last_name Required
email contact.email Required; use proxy if hidden
country address.country Optional
region address.region Optional

Source: Rippling (REST) 

GET https://api.rippling.com/v1/people/{person_id}
Authorization: Bearer YOUR_RIPPLING_TOKEN

Destination: 1099Policy (POST /contractors) 

POST https://api.1099policy.com/api/v1/contractors
Authorization: Bearer YOUR_1099POLICY_TOKEN
Content-Type: application/json
Idempotency-Key: rippling-person-<PERSON_ID>

{
  "contact": {
    "first_name": "Alex",
    "last_name": "Morgan",
    "email": "person_8831@relay.yourdomain.com"
  },
  "address": {
    "country": "US",
    "region": "CA"
  },
  "custom_metadata": {
    "rippling_person_id": "per_8831"
  }
}

4.2 Create Job

Create a Job to represent each contractor engagement’s scope and compensation structure.

1099Policy Job Field Rippling Source Notes
name Contract title or role name Descriptive title
description Engagement or project summary Optional
entity Your internal client/account ID Must exist in 1099Policy
category_code Contractor type → mapped category Maintain mapping table
wage (cents) rate.amount × 100 Required
wage_type Derived from rate.type "hourly" or "flatfee"
region Work region or contractor address Defaults to contractor’s region
custom_metadata.contract_id Rippling Contract ID Required
custom_metadata.person_id Person ID Optional

Source: Rippling (REST) 

GET https://api.rippling.com/v1/contracts/{contract_id}
Authorization: Bearer YOUR_RIPPLING_TOKEN

Destination: 1099Policy (POST /jobs) 

POST https://api.1099policy.com/api/v1/jobs
Authorization: Bearer YOUR_1099POLICY_TOKEN
Content-Type: application/json

{
  "name": "Freelance Design Contract — Q4 Assets",
  "description": "Contract for creative production and deliverables",
  "entity": "en_12AbC3",
  "category_code": "MARKETING_DESIGN",
  "wage": 800000,
  "wage_type": "flatfee",
  "region": "US",
  "custom_metadata": {
    "rippling_contract_id": "ct_5G89a",
    "rippling_person_id": "per_8831"
  }
}

4.3 Create Quote

Quotes define the coverage duration and insurance type for each engagement.

Destination: 1099Policy (POST /quotes) 

POST https://api.1099policy.com/api/v1/quotes
Authorization: Bearer YOUR_1099POLICY_TOKEN
Content-Type: application/json

{
  "contractor": "cn_Kh18Qs",
  "job": "jb_Dl9n42",
  "coverage_type": ["general","workers-comp"],
  "effective_date": 1764300000,
  "end_date": 1766892000,
  "custom_metadata": { "rippling_contract_id": "ct_5G89a" }
}

4.4 Create Insurance Application Session

Redirect contractors to complete their first policy opt-in and bind coverage.

Destination: 1099Policy (POST /apply/sessions) 

POST https://api.1099policy.com/api/v1/apply/sessions
Authorization: Bearer YOUR_1099POLICY_TOKEN
Content-Type: application/json

{
  "quote": "qt_Pf5LmA",
  "success_url": "https://app.rippling.com/contracts/ct_5G89a?coverage=active",
  "cancel_url": "https://app.rippling.com/contracts/ct_5G89a?coverage=canceled",
  "custom_metadata": { "rippling_contract_id": "ct_5G89a" }
}

4.5 Create Assignment

Assignments automatically bind coverage for returning contractors who have already opted in.

Destination: 1099Policy (POST /assignments) 

POST https://api.1099policy.com/api/v1/assignments
Authorization: Bearer YOUR_1099POLICY_TOKEN
Content-Type: application/json

{
  "contractor": "cn_Kh18Qs",
  "job": "jb_Dl9n42",
  "effective_date": 1764300000,
  "end_date": 1766892000,
  "coverage_type": ["general","workers-comp"],
  "custom_metadata": { "rippling_contract_id": "ct_5G89a" }
}

4.6 Upload Certificate (BYO-COI)

This independent workflow supports contractors who already have their own insurance. Upload the COI for validation and compliance tracking.

Destination: 1099Policy (POST /files/certificates)

(multipart upload)

Fields:

4.7 Record Invoice (Optional)

If the contractor’s final payment differs from the contract amount, record it for reconciliation. This step does not affect insurance coverage.

Destination: 1099Policy (POST /invoices) 

POST https://api.1099policy.com/api/v1/invoices
Authorization: Bearer YOUR_1099POLICY_TOKEN
Content-Type: application/json

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

5. Webhooks

Rippling and 1099Policy both provide webhook systems to synchronize engagement, payment, and insurance events.

Source Event Action
Rippling contract.created or contract.updated Create Job + Quote in 1099Policy
Rippling invoice.created Record invoice
1099Policy policy.active Mark contractor insured
1099Policy policy.canceled / policy.expired Clear or flag contractor compliance
1099Policy certificate.validated Mark COI valid
1099Policy certificate.flagged Trigger review process

6. Testing Checklist

7. References