A seamless insurance experience for contractors

We provide contractors with workers compensation and general liability insurance across a range of industries and fractionalize the coverage so you only pay for the coverage you need when you are on assignment, no more, no less.

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Where to find us

Our solution embeds directly into the platforms you use everyday to source assignments. If you’d like access to our insurance solution, please take a look at the platforms we currently support, including CreatorIQ and Worksuite.

If you’d like to learn more about the Worksuite and CreatorIQ integrations you can visit their respective websites linked below. These platforms make it easy for you to get a quote and opt-into coverage.


Frequently asked questions

If you’re an independent contractor doing work for a large enterprise client you may not realize that your vendor agreement requires that you carry, at a minimum, workers’ compensation and general liability. We’ve compiled a list of questions we hear most often from independent contractors.

Can’t find the answer you’re looking for? Reach out to our support team by sending us an email and we’ll get back to you as soon as we can.

Why do I need insurance?
Your vendor agreement with the contracting client requires you to have insurance as an independent contractor. This protects you and the client that’s contracting you.
What is Workers' Compensation?
This coverage responds to work related injuries and provides you with benefits. It is required of independent contractors. Regardless of where you go to procure coverage, you’ll need it to do work for the contracting client.
How do I get other required coverage?
Your quote from 1099Policy.com will be based on the insurance required of you. In other words, if the contracting client requires both general liability and workers comp, then your quote will include the cost of coverage for both.
Do I have to buy long-term policies for a short term gig?
No. The coverage is specifically designed to start and end with each assignment.
What does coverage typically cost?
The cost varies by state and job description. It can range from 0.5% to 5% of the contractor fee, excl. equipment rentals. You only pay for what you need, when you need it - per gig. This makes the coverage affordable. Get a quote and see.
How do I pay for my insurance?
If you're using our platform, you pay for coverage via your credit card which we collect through your online application. Know that you will only pay for what you need based on your assignment as reported to us.
When do I pay for my insurance?
The first assignment is paid for when you opt-in. Subsequent assignments are charged to your card at the time you are paid and reported to 1099Policy.
What type of coverage do you offer on your platform
We offer workers compensation, general liability, and professional liability for certain professions. If you're interested in other types of coverage, feel free to reach out to us at contact@1099policy.com.

Get in touch

Is there a labor or partner platform you think should be on our list of partners? We're rapidly growing our footprint. Let us know and we'll reach out to them.

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