Your contractor is ready. Is their insurance?

Insurance infrastructure that covers contractors per-assignment, without the cost or friction of an EOR.

Trusted by companies managing contractor workforces

Omnicom
Weber Shandwick
The Martin Agency
BBDO
TBWA
Kinnetix
Shiraz
CreatorIQ
INVNT
Wieden+Kennedy
Worksuite
Clipboard Health
Omnicom
Weber Shandwick
The Martin Agency
BBDO
TBWA
Kinnetix
Shiraz
CreatorIQ
INVNT
Wieden+Kennedy
Worksuite
Clipboard Health
“The savings of using 1099Policy vs. our EOR are substantial when an IC does not have workers comp. We saved millions by using 1099Policy versus rerouting the IC.”
Paul Labelle
Strategic Sourcing Director · IPG
  • A fraction
    of the cost of an EOR
  • <1 min
    to contractor enrollment
  • Instant
    audit-ready COIs on demand
Creative Professional

Your brand. Their business. Everyone covered.

Designers, writers, and creative contractors — covered from day one, without disrupting their workflow.

Creative Professional. Your brand. Their business. Everyone covered.. Designers, writers, and creative contractors — covered from day one, without disrupting their workflow.
Allied Healthcare

Staff fearlessly

Compliance-ready coverage for every travel nurse, therapist, and allied health contractor you deploy.

Allied Healthcare. Staff fearlessly. Compliance-ready coverage for every travel nurse, therapist, and allied health contractor you deploy.
Live Events

The show must go on — safely

Independent production managers, tour managers, and creative specialists — insured for every venue, every gig.

Live Events. The show must go on — safely. Independent production managers, tour managers, and creative specialists — insured for every venue, every gig.
Dispatched Repair Services

Every contractor. Every job site. Covered.

From electricians to HVAC techs — field service contractors get the protection they need, embedded right into your dispatch workflow.

Dispatched Repair Services. Every contractor. Every job site. Covered.. From electricians to HVAC techs — field service contractors get the protection they need, embedded right into your dispatch workflow.
Case Studies

Real results, real coverage

See how companies use 1099Policy to automate insurance compliance and protect every contractor engagement.

Showing case study 1 of 5
Simon Property Group

Custom media liability insurance deployed in under 30 days for 4,000+ contractors

The country's second-largest commercial property firm replaced their EOR with 1099Policy - covering content creators and brand activators across nationwide events.

4,000+
contractors covered
50%
cost reduction vs. EOR
30 days
to deployment
Read the story
Jack Morton × Worksuite

Per-assignment insurance for a nationwide freelancer network, audit-ready from day one

Jack Morton replaced scattered spreadsheets and manual chasing with 1099Policy embedded in Worksuite - every freelancer covered and verified before the assignment starts.

80+ hrs
per week reclaimed
100%
per-assignment coverage
0
coverage gaps at call time
Read the story
CreatorIQ

Embedded creator coverage across hundreds of campaigns

CreatorIQ and 1099Policy make insurance native to the creator workflow - so brands turn on protection for every campaign without slowing creative work.

<1 min
to opt into coverage
4 lines
WC, GL, media & cyber
Hundreds
of campaigns supported
Read the story
National Talent Firm

$103K saved in a single year by replacing EOR markups with per-assignment coverage

A national talent firm gave its uninsured contractors proper workers' comp through 1099Policy - at a fraction of the cost of routing them through an EOR.

$103K+
saved in one year
~97%
lower cost than EOR
$0
EOR markup paid
Read the story
Healthcare Shift Marketplace

Per-shift coverage in the provider's own name - and more facilities saying yes

A healthcare shift marketplace requires providers to bind workers' comp in their own name before they can accept a shift, with a COI issued to the provider, the marketplace, and the facility before they're on site. It removes the audit exposure facilities worry about - and the marketplace reports it's helping their team close facilities that used to stall on insurance.

<1 min
to bind per-shift coverage
Per shift
WC in the provider's own name
Audit-ready
COI before every shift
Read the story
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Coverage Types

Coverage built for contingent labor

Every coverage type is tailored for independent contractors - not retrofitted from traditional employer policies. Bind in seconds, not weeks. Coverage limits shown are standard — we can scope custom amounts for your program.

Geography
46
states - excludes monopolistic funds (ND, OH, WA, WY)
Cost range
Premium basis
Rate / $100
Varies by
State, job class
Billing
Pay-as-you-go
Min. period
1 shift (1 min – 1 day)
Coverage specs
Coverage limit
Statutory
Medical care
Covered
Lost wages
Covered
Statutory benefits
Included
How It Works

Where we sit in your tech stack

Feed us your contractor and engagement data. We handle the insurance - from quoting through binding to real-time compliance monitoring.

WHAT YOU PROVIDEWHAT WE DELIVERContractor dataname, location, roleEngagement detailsscope, duration, compensationRequirementscoverage, compliance rulesReal-time coverageinstant bind and activateAutomated COIscertificates on demandRisk monitoringlapses, renewals, alerts
Platform
And there's more...
Everything you need to manage contractor insurance — from compliance dashboards to automated certificates.
Compliance Hub
One command center for contractor compliance — track coverage status, surface gaps, monitor renewals, and pull audit-ready COIs across your whole network in real time.
Certificate Review
Uploaded certificates are automatically parsed and verified against your requirements. Review status, flag gaps, and approve — all from one table.
Integrations
Connect your contractor platforms, payroll systems, and workflows. Real-time webhooks keep everything in sync — no manual updates.
API-First Infrastructure
Embed insurance directly into your platform. RESTful API with webhooks, sandbox testing, and SDKs for Python, Node, Ruby, and Go.
Call to action section for 1099Policy

Eliminate the coverage gaps across your IC network.

Validate workers' comp and liability for 100+ vendors simultaneously. Stop manual COI reviews and start automating your third-party risk management.

Kinettix
INVNT
Shiraz
Simon
TechNet
1,200+ organizations trust 1099Policy to manage contractor risk