WorkMarket Fractional Insurance Integration | 1099Policy

WorkMarket Integration Guide

Learn how to connect WorkMarket work orders to 1099Policy to automate contractor insurance checks, validate COIs, and offer fractional coverage for every assignment.

Connect WorkMarket Work Orders to 1099Policy to ensure every contractor engagement has valid insurance coverage before work begins. This integration automates policy creation, COI validation, and compliance syncing between both platforms.

You can:

2. Integration Flow

Coverage should be triggered when a contractor is assigned to a Work Order. This ensures insurance binds before work starts or service hours are logged.

3. Core Concepts

Each WorkMarket object maps directly to a 1099Policy resource to ensure every assignment carries active coverage and proper COI tracking.

WorkMarket Object 1099Policy Resource Description
Work Order Job + Assignment Defines work scope, comp, and coverage window
Worker Contractor Represents the insured individual
COI (Certificate) Certificate Validates insurance documentation
Work Order ID custom_metadata.work_order_id Used for reconciliation only

4. End-to-End Implementation

Follow these steps to integrate WorkMarket and 1099Policy for automated contractor insurance compliance.

4.1 Create Contractor

Each WorkMarket Worker must exist in 1099Policy before quotes or assignments are created. Every Contractor must include a unique contact.email. Generate a proxy email if missing (e.g., <worker_id>@relay.yourdomain.com).

WorkMarket Field 1099Policy Contractor Notes
worker_id custom_metadata.workmarket_worker_id Reconciliation key
first_name, last_name contact.first_name, contact.last_name Required
email contact.email Required; proxy allowed
country address.country Optional
region address.region Optional

Source: WorkMarket (REST)

GET https://api.workmarket.com/v1/workers/{worker_id}
Authorization: Bearer wm_live_***

Destination: 1099Policy (POST /contractors)

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

{
  "contact": {
    "first_name": "Alex",
    "last_name": "Nguyen",
    "email": "wk_421@relay.yourdomain.com"
  },
  "address": {
    "country": "US",
    "region": "CA"
  },
  "custom_metadata": {
    "workmarket_worker_id": "wk_421"
  }
}

4.2 Create Job

Create a Job in 1099Policy when a Work Order is assigned to a contractor to define scope, compensation, and region.

1099Policy Job Field WorkMarket Source Notes
name Work Order title Human-readable name
description Work Order description Scope or SOW
entity Internal client/account ID Must exist in 1099Policy
category_code Work Order category → mapped 1099Policy code Maintain mapping
wage (cents) budget_amount × 100 or rate_amount × 100 Required
wage_type "flatfee" or "hourly" Required
region Work location (state) Defaults to contractor region
custom_metadata.work_order_id Work Order ID Reconciliation

Source: WorkMarket (REST)

GET https://api.workmarket.com/v1/workorders/{work_order_id}
Authorization: Bearer wm_live_***

Destination: 1099Policy (POST /jobs)

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

{
  "name": "WO 12345 — Low Voltage Cabling",
  "description": "Install Cat6 and test drops at client site",
  "entity": "en_abc123",
  "category_code": "jc_MTqpkbkp6G",
  "wage": 32500,
  "wage_type": "flatfee",
  "region": "CA",
  "custom_metadata": { "work_order_id": "12345" }
}

4.3 Create Quote

Create a Quote to define the type of coverage and its effective window.

1099Policy Quote Field WorkMarket Source Notes
contractor Mapped Worker ID Must exist first
job Returned Job ID Required
coverage_type[] Policy requirement e.g., ["general","workers-comp"]
effective_date WO start (epoch UTC) Recommended
end_date WO end (epoch UTC) Recommended
custom_metadata.work_order_id Work Order ID Reconciliation

Destination: 1099Policy (POST /quotes)

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

{
  "contractor": "cn_Ehb3bYa",
  "job": "jb_jsb9KEcTpc",
  "coverage_type": ["general","workers-comp"],
  "effective_date": 1761997200,
  "end_date": 1762083600,
  "custom_metadata": { "work_order_id": "12345" }
}

4.4 Create Insurance Application Session

Redirect contractors to complete their first policy opt-in using the insurance application session endpoint.

Destination: 1099Policy (POST /apply/sessions)

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

{
  "quote": "qt_5DciVga8Kt",
  "success_url": "https://workmarket.com/workorders/12345?coverage=active",
  "cancel_url": "https://workmarket.com/workorders/12345?coverage=canceled",
  "custom_metadata": { "work_order_id": "12345" }
}

4.5 Create Assignment

Assignments represent active coverage tied to the Work Order’s scheduled period.

Destination: 1099Policy (POST /assignments)

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

{
  "contractor": "cn_Ehb3bYa",
  "job": "jb_jsb9KEcTpc",
  "effective_date": 1761997200,
  "end_date": 1762083600,
  "coverage_type": ["general","workers-comp"],
  "custom_metadata": { "work_order_id": "12345" }
}

4.6 Upload Certificate (BYO-COI)

If a contractor provides their own COI, upload it for validation and compliance tracking.

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. See full API reference: https://docs.1099policy.com/group/endpoint-invoice

5. Webhooks

WorkMarket event notifications and 1099Policy webhooks keep coverage synchronized across systems.

Source Event Action
WorkMarket Work Order assigned Trigger Job + Quote creation
WorkMarket Work Order in progress Create Assignment
1099Policy policy.active Mark contractor insured
1099Policy policy.expired / policy.canceled Mark unprotected
1099Policy certificate.validated Mark COI valid
1099Policy certificate.flagged Flag for manual review

6. Testing Checklist

Ensure coverage is bound automatically when Work Orders are assigned.

7. References