Three building blocks. Every per-engagement coverage decision your platform makes is one of them.
WC, GL, Professional Liability, and Cyber are priced as a rate against the contractor's gross pay on each assignment. Media Liability is the exception - billed per shoot day, since production liability tracks the schedule, not contractor pay.
Each assignment routes to the correct WC class code by work_state. Multi-state contractors get the right rate per assignment, scaled to the pay for that work.
Blanket additional insured added at bind time - default on every COI, not a manual per-project add-on. The customer-of-record gets a COI in their name before the work begins.
We host the application at apply.1099policy.com. The contractor gets the URL, verifies their information, reviews the quote, and accepts. Three screens, no insurance jargon, no broker portal.
See the contractor flow ->Once a contractor is enrolled, dispatch is a single API call. POST /v1/assignments with the contractor, job, work_state, and effective_date - coverage binds instantly, with no quote to accept and no application to re-file. The contractor does nothing.
See the API reference ->Coverage starts when the job starts and ends when it ends - whether that's a film shoot, a live event, or a signed statement of work. The effective_date and end_date track the actual engagement, not the calendar.
An annual policy charges a full year of premium even when the contractor works only a handful of days. Fractional charges premium scaled to actual pay on each assignment - with one exception: Media Liability is billed per shoot day, since production liability tracks the schedule, not crew pay.
See coverage examples ->An annual policy charges $4,200 regardless of work volume. Fractional charges $14.20 - about 5.3% of the contractor's gross pay for this assignment, scaled to the right WC class code and state.
View pricing ->Every bind, every COI, every premium calc archived indefinitely. When the carrier audit lands, the production accountant pulls a defense file in one click - every assignment, contractor, state, and dollar of gross pay it was scaled against.
Read about audits ->An annual policy charges $4,200 regardless of work volume. Fractional charges $14.20 - about 5.3% of the contractor's gross pay for this assignment, scaled to the right WC class code and state.
View pricing ->Every bind, every COI, every premium calc archived indefinitely. When the carrier audit lands, the production accountant pulls a defense file in one click - every assignment, contractor, state, and dollar of gross pay it was scaled against.
Read about audits ->
