What cyber covers

First-party response. Third-party liability. One policy.

Medical & indemnity

Statutory medical, lost-wage indemnity, vocational rehab, and death benefits — calculated to each state's compensation schedule.

  • No copay to the IC
  • Direct provider payment
  • Same-day claim intake

WC audit defense

At a WC audit, uninsured contractor labor gets picked up as the platform's payroll exposure — often with a three-year look-back. Contractor-named coverage with per-engagement COIs keeps that labor out of the audit ledger from the start.

  • Per-engagement COI evidence
  • COI archive for audit retrieval
  • Waiver of subrogation

Indicia of independence

Coverage that lives with the contractor — not the platform — keeps the relationship structurally clean under the ABC test, Cal AB5, and the new NY Fashion Workers Act.

  • Audit-ready COIs
  • 1099 status preserved
  • State filings included
How it binds

Bound before security review asks.

Contractor opts in

Embedded in your existing onboarding. Role, data exposure, engagement window, and required limits — the inputs the carrier needs to underwrite.

We bind

Carrier-backed quote returns in under a second. Premium calculated by coverage, exposure, and engagement details.

COI delivered

Instant PDF naming the client or platform as additional insured. Archived for retrieval, accessible via API or dashboard.

Coverage footprint

Borderless work, borderless coverage.

Global
Available to any 1099 · worldwide

Cyber Liability is available to any 1099 contractor operating anywhere in the world — content creators, IT consultants, field-service techs alike — with a worldwide coverage territory, because data, vendors, and claims don't stop at the border. An engagement that touches systems or data subjects on another continent stays covered*

Coverage territory: worldwide
*Coverage territory per policy form. Confirm jurisdiction-specific terms with the carrier before binding.
New YorkLos AngelesTorontoMexico CitySão PauloBuenos AiresLondonParisLagosBogotá
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Twenty minutes with your security checklist.

We'll wire cyber into your onboarding with sample contractors and walk you through breach response, the PII liability path, and what security review sees on the COI.

Technet
Worksuite
Jack Morton
1,200+ agencies and platforms trust 1099Policy to manage contractor risk