Pricing that matches the way IC engagements actually work.

Two costs, two payers. Premium is the contractor's cost as the named insured. The platform access fee is yours, sized to your program.

Run the math →Talk to sales
Who pays what · how it's sized

Two costs. Two payers.

Premium and platform access are structurally different costs paid by different parties, sized by different factors. The split matters for IC classification and clarifies what shows up on whose ledger.

Contractor's responsibility · Premium

Carrier-rated against the engagement.

The contractor pays the premium, as the named insured. That covers whatever the engagement requires: WC, GL/PL, Media, or Cyber. WC and the liability lines are rated by state, class code, and compensation; Media and Cyber are flat per-day rates for the coverage window. Many platforms remit premium on the contractor's behalf, but the responsibility and the named insured stay with the contractor.

Platform's responsibility · Access

Sized to your program.

Platform access is your cost, billed to the platform. It covers the integration, dashboard, COI archive, and ops support that keep the program running. Per-engagement cost drops as your volume scales; channel and product mix factor in too. It's quoted as part of program setup. Talk to sales for specifics.

Contractor premium estimator · live

What your contractors will pay.

Set the state, class code, and coverage mix to estimate the contractor's premium.

$1,000
Estimateillustrative
{
  "id": "qt_preview",
  "object": "quote_estimate",
  "state": "CA",
  "class_code": "8810",
  "compensation": 1000,
  "coverage_estimate": {
    "workers_comp": "$1–$4",
    "gl_pl": "$1–$3"
  },
  "total_estimate": "$1–$7", // illustrative
  "note": "Production rates via /v1/quotes after onboarding"
}

Illustrative ranges based on representative factors. Platform access is a separate cost, quoted to your program. Production quotes come from the Quote API after onboarding and also factor in entity coverage limits, prior loss history, and scheduled rating credits.

What's not in the bill

The fees that aren't there.

No annual commitment

Month-to-month. Cancel anytime. No renewal cycle to negotiate, no procurement hurdles to clear every March.

No setup fees

Sandbox access without a sales call. Build a working integration end-to-end before procurement gets involved.

Frequently asked

The questions every prospect asks first.

Premium is calculated against the compensation paid on the engagement, multiplied by a class-code rate (per $100 of compensation), then adjusted by the state's rate-bureau-filed factor. Same math any WC carrier uses. Platform access is sized separately to your volume and program structure. Talk to sales for your program's specifics.

Because WC premium genuinely varies: by occupation (class code) by 10× or more between, say, an office worker and a roofer at the same compensation level. And platform access pricing depends on your volume, channel, and product mix. Any company that publishes a flat percentage is either oversimplifying for marketing or hiding the variability that's already in the underlying carrier rates.

North Dakota, Ohio, Washington, and Wyoming run monopolistic state-fund WC. The state is the only legal carrier in those jurisdictions. Contractors there need to enroll with the state fund directly. General liability and our other products are still available; only WC is excluded.

No annual commitment. Month-to-month, cancel anytime. Whether there's a platform-access minimum depends on program size: larger programs typically run no-minimum, smaller operators may have a minimum monthly platform fee. We use that as a fit signal on smaller deals where we're investing setup time. Talk to sales for your program's specifics.

The contractor, always. That's one of the indicia of independence labor regulators evaluate when reviewing IC classification. Platforms are added as blanket additional insured, which preserves the audit-defense posture without making the platform the carrier of record.

An EOR converts the contractor into a W-2 employee of theirs and charges roughly 20% on every dollar of contractor pay. We keep the contractor 1099 and issue insurance directly to them. Total cost is the rated WC premium plus platform access, typically a fraction of the EOR markup. Same protection, none of the misclassification risk. Run the numbers on the comparison page.

Workers' comp is underwritten by a Fortune 500 carrier rated A+ (Superior) by AM Best. Our other lines are placed with rated specialty carriers. Full carrier panel and ratings detail available under NDA during enterprise procurement.

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