What states does 1099Policy offer coverage in?

1099Policy offers Workers’ Compensation in every U.S. state except North Dakota, Ohio, Washington, and Wyoming. Those four states are monopolistic, meaning Workers' Comp can only be purchased from a state-sponsored insurance fund, rather than a private carrier.

Monopolistic state regulations only impact Workers’ Compensation. Our other types of coverage can be procured in any U.S. state.

Does 1099Policy offer coverage for minors?

Individuals must be at least 18 years of age to qualify for coverage via 1099Policy. We do not offer coverage for minors.

How does Workers’ Compensation apply to freelancers that are hired to work outside the United States?

U.S. based workers’ compensation coverage does not apply to freelancers hired overseas to work overseas.

Freelancers hired overseas to work in the U.S. are eligible for Workers’ Compensation irrespective of their citizenship or work status. If a non U.S. resident is hired to work in the U.S., please use the state that freelancer will be working in as both their home and work state in 1099Policy.

When a freelancer working out of the U.S. is required to travel abroad as part of that assignment, that travel abroad is covered under the U.S. based Workers’ Compensation program.

For clarification on specific circumstances, please reach out to support@1099policy.com

How do I calculate 'wages' for users who are paid in travel accommodations, a per diem, products, etc?

Workers’ Compensation premiums are calculated based on the total remuneration to a freelancer. “Wages” should thus include the value of lodging, meals, travel, merchandise, or any other substitute for monetary compensation (excluding residuals).

Can 1099Policy cover a freelancer’s family or friends, when traveling together but not officially contracted?

U.S. Workers’ Compensation is intended to apply to freelancers who are under contract with an enterprise. If a freelancer has family or friends who are not contracted by an enterprise, that observer is not eligible for workers’ compensation.

If the freelancer needs the assistance of another person for a job assignment, we’d recommend contracting with that individual in addition to the freelancer. This helps mitigate risk to the enterprise, as any work related injury would then qualify for Workers’ Compensation and General Liability.

Can coverage be secured by a business?

Coverage applies to an individual freelancer performing work. 1099Policy therefore requires the freelancer’s legal first and last name. If the individual operates as a business, they may also provide their business entity name, but it must be  in addition to providing their first and last name, as the coverage is intended to be apply to the operations of a solopreneur (with no employees), irrespective of the business entity type under which they operate (i.e. sole proprietor, s-corp, c-corp, etc).