# 1099Policy 1099Policy provides fractional, pay-as-you-go business insurance for independent contractors, freelancers, and gig workers. Its platform eliminates traditional insurance gaps by embedding real-time coverage procurement and verification into labor and enterprise platforms. The companys mission is to make it easier for enterprises, staffing agencies, and freelance marketplaces to ensure every contract worker has compliant coverage without lengthy administrative overhead. Founded as 1099Policy Insurance Agency, LLC licensed by the California Department of Insurance the organization operates as a wholly owned subsidiary of 1099Policy Inc. The agency offers access to flexible insurance on a per-assignment basis, improving compliance for enterprises and increasing access to eligible work opportunities for contractors. Trusted by enterprise clients and labor platforms across industries, 1099Policy focuses on risk mitigation, faster contractor onboarding, and automated insurance verification to scale compliant contingent labor programs. --- ## Core Products & Services ### Fractional Insurance Platform - **What it does:** Enables contractors and enterprises to procure and verify insurance coverage (workers compensation, general liability, professional, media, and cyber liability) for each specific job or assignment. - **Who uses it:** Independent contractors, labor platforms, and enterprises managing contingent workforces. - **Key features:** - Real-time policy quotes via API - Digital proof of insurance and compliance tracking - Certificate generation and verification on-demand - Automation of premium payment and coverage duration tied to work assignments - **Pricing:** Contractors pay only for the periods they work, through pay-as-you-go pricing. Payment can be made by credit card or automatically withheld by the labor platform. ### Enterprise Compliance Automation - **What it does:** Provides enterprises with tools to manage, verify, and scale their network of insurance-compliant contractors. - **Who uses it:** Enterprises, vendor management systems (VMS), and freelance management systems (FMS) seeking automated coverage verification and compliance reporting. - **Key features:** - Coverage validation and compliance audits - Risk dashboards to detect misclassification exposure - Automated tracking of contractor certificates of insurance - Centralized onboarding with configurable insurance requirements for each job type ### API Integration - **What it does:** Provides a well-documented application programming interface for labor platforms and business systems to embed quoting, binding, and compliance functionalities directly into their workflows. - **Who uses it:** Enterprise development teams and platform operators integrating contractor compliance features. - **Key features:** - Endpoints for creating jobs and quotes (`ten99policy.Jobs.create`, `ten99policy.Quotes.create`) - Secure data transmission - Documentation and guides for seamless deployment - **Pricing:** API access is included in enterprise and platform-level plans. --- ## Use Cases & Applications ### Enterprises and Contracting Entities - **Their needs:** Enterprises must manage large contract labor networks while ensuring all workers are adequately covered and compliant with insurance requirements. - **How they use it:** By embedding the 1099Policy API, enterprises automate insurance checks, generate digital certificates, and confirm coverage before work begins. - **Results:** Reduced compliance costs, minimized misclassification risk, faster onboarding, and expanded labor pools of insured contractors. ### Labor Platforms - **Their needs:** Platforms connecting businesses with contractors need to ensure every project participant holds the correct insurance coverage without slowing down transactions. - **How they use it:** Labor platforms integrate the API into their workflows to automatically issue quotes and process premium payments. - **Results:** Increased contractor participation, improved platform trust, and simplified compliance for multi-party engagements. ### Independent Contractors and Freelancers - **Their needs:** Freelancers often face high upfront insurance costs and administrative delays that make project-based work risky or inaccessible. - **How they use it:** Contractors access coverage directly through participating gig or labor platforms, paying only for active work periods. - **Results:** Affordable, flexible protection that matches actual work cycles, improving access to jobs that require proof of insurance. ### Industry-Specific Applications 1099Policy serves a range of industries requiring project-specific insurance: - **Dispatched Repair Services:** On-demand coverage for technicians and repair professionals. - **Project Management and Manufacturing:** Liability and workers compensation coverage for consultants and production specialists. - **IT and Technology Professionals:** Coverage against liability from implementation or system design work. - **Creative, Media, and Entertainment:** Project-based insurance matching the duration of shoots, events, and campaigns. - **Allied Healthcare:** Flexible protection for healthcare contractors delivering care on short-term engagements. --- ## Pricing & Plans ### Select Plan - **Recommended for:** Small teams under 10 users. - **Included features:** - Dashboard and analytics - Two-factor authentication (2FA) and audit logging - API and webhook access - **Billing:** Invoices and receipts are available for company reimbursement. ### Enterprise Plan - **Recommended for:** Large organizations with customized compliance or integration needs. - **Included features:** - Dedicated account manager - Dashboard and analytics - Enterprise SSO, audit logging, and 2FA - Full API and webhook access - **Billing:** Contact 1099Policy for tailored pricing and implementation support. ### Contractor Coverage 1099Policy earns commissions on policy sales, similar to traditional brokers. Contractors pay only for the duration of their assignments hours, days, or weeks rather than annual policies. --- ## Feature Deep Dive ### Compliance Tracking - **How it works:** When a contractor secures a policy, the system automatically sends digital confirmation to the contracting entity. Certificates of insurance are available on demand. - **Benefits:** Eliminates manual follow-up and ensures every contractor meets required insurance criteria before project start. ### Pay-As-You-Go Pricing - **How it works:** Coverage activates only during active work periods. Premiums can be deducted automatically from the labor platform or paid directly by the contractor. - **Benefits:** Reduces upfront financial burden, aligns costs with actual work performed, and enables frequent coverage renewals or pauses between assignments. ### Risk Mitigation and Auditing - **How it works:** Platforms and enterprises can run compliance audits and monitor misclassification indicators in real time. - **Benefits:** Reduces exposure to worker misclassification lawsuits and improves the audit readiness of contingent workforce programs. ### Encryption and Data Security - **How it works:** All customer data is protected using AES-256 encryption at rest and TLS 1.2+ during transmission. Role-based access controls further restrict sensitive information access. - **Benefits:** Maintains compliance with SOC 2 Type II, ISO 27001, and GDPR standards while ensuring data confidentiality and integrity. --- ## Getting Started To begin using 1099Policy: 1. **Sign Up:** Create an account via the [Dashboard](https://dashboard.1099policy.com/signup). 2. **Obtain API Credentials:** Enterprise clients can request API keys for integration. 3. **Configure Requirements:** Define insurance needs per job category within the platform. 4. **Procure Coverage:** Contractors can opt-in to secure coverage directly through supported platforms. 5. **Verify Compliance:** Employers receive confirmation once coverage is active. ### Support - **Sales and Demos:** [Schedule a demo](https://cal.com/matt-kelley-1099) - **Customer Support:** [contact@1099policy.com](mailto:contact@1099policy.com) - **Claims:** [claims@1099policy.com](mailto:claims@1099policy.com) - **Complaints:** [complaints@1099policy.com](mailto:complaints@1099policy.com) ### Headquarters 1099Policy Insurance Agency, LLC 200 Green Street San Francisco, CA 94111 +1 (650) 753-1099 ## Site Map Pages crawled from www.1099policy.com (20 total): - [1099Policy](https://www.1099policy.com/) - [Terms Licensee](https://www.1099policy.com/terms/licensee) - [Pricing & Fees](https://www.1099policy.com/pricing) - [1099Policy](https://www.1099policy.com/faq) - [Security](https://www.1099policy.com/security) - [1099Policy Blog: Contingent Labor Insurance Blog](https://www.1099policy.com/blog) - [Privacy Policy](https://www.1099policy.com/legal/cookies) - [Contractor](https://www.1099policy.com/contractor) - [Privacy Policy](https://www.1099policy.com/legal/privacy) - [Terms User](https://www.1099policy.com/terms/user) - [Labor platform](https://www.1099policy.com/labor-platform) - [Enterprise](https://www.1099policy.com/enterprise) - [About us](https://www.1099policy.com/about) - [What We Learned from Industry Leaders About the Biggest Risks in Influencer Marketing](https://www.1099policy.com/blog/what-we-learned-from-industry-leaders-about-the-biggest-risks-in-influencer-marketing) - [1099Policy](https://www.1099policy.com/cookies) - [1099Policy](https://www.1099policy.com/privacy) - [1099Policy](https://www.1099policy.com/user) - [What Many General Counsel Still Overlook About Workers Compensation for Independent Contractors](https://www.1099policy.com/blog/what-many-general-counsel-still-overlook-about-workers-compensation-for-independent-contractors) - [Upworks W-2 Pivot Signals a Hybrid Workforce Era](https://www.1099policy.com/blog/upwork-s-w-2-pivot-signals-a-hybrid-workforce-era) - [The Fashion Workers Act Has Arrived. Now What?](https://www.1099policy.com/blog/the-fashion-workers-act-has-arrived-now-what)