For healthcare staffing platforms

Per-shift workers' comp for the healthcare professionals who cover your shifts, without converting them to W‑2.

Every professional binds workers' comp in their own name before accepting a shift, with a COI issued before they step onto the floor. The uninsured-labor gap never lands on your audit.

See it live →EOR vs 1099 calculator
The per-diem coverage gap

Your professionals cover shifts without coverage in their name, and the gap lands on your audit.

Per-diem nursing, lab, and allied-health staffing have outpaced the paperwork. Clinical compliance leaks out in five places.

Legal posture

A healthcare general counsel told us 1099 professionals can't get workers' comp.

Every state lets an independent contractor carry WC in their own name. The misconception exposes your platform; the law allows the coverage.

EOR conversion

Converting a per-diem RN to W-2 just to fix WC eats the fill margin.

Per-shift coverage in the contractor's name closes the WC gap and keeps the fill margin intact.

License math

One injury in a state you don't cover unwinds 18 months of growth.

Coverage routes to the work state of each shift, so every shift is covered where the work happens.

Credentialing speed

Credentialing already takes 45 days. Coverage shouldn't add a week.

Per-shift activation finishes before the contractor signs their first chart.

Compliance loop

Facility requires COI → professional opts in → roster scales.

Coverage in the contractor's name supports facility audits and keeps their pay out of your premium base.

Built for staffing desks

Four capabilities, built for the per-diem staffing workflow.

How a shift gets assigned to a 1099 healthcare professional, and where the COI fits into your credentialing workflow.

POST /v1/assignments
1 "contractor": "cn_8FK2Rd9Qa",
2 "job": "jb_clinicalRN",
3 "work_state": "PA"
● 200 policy: po_LRq7Kd$0.42 / $100
01

Bind a WC policy in the professional's name through the same API that drives your assignment workflow.

The Assignments API takes the assignment as input, returns a rate against $100 earned, and binds the policy when they opt in. No broker call, no policy origination delay.

Premium accrualActive
Policy IDpo_LRq7w89
Hours worked24.5h
Rate per $100 earned$0.42
Premium due$6.17
02

Premium meters per shift worked. No annual policy for you to carry.

Each professional's coverage prices per shift in their own name: pay-as-you-go on $100 earned, no annual minimum. Collect it through your platform or let them remit directly. Either way, these contractors stay off your WC payroll.

Workers' compensation

Certificate holder
Insured
Jane Roberts, RN
Each accident$500,000
Disease (each employee)$500,000
Disease (policy limit)$500,000
03

The professional owns the coverage, and your platform stays off the policy.

The fractional insurance policy issues in the contractor's name, with your platform added as certificate holder. It removes the uninsured-injury claim that turns a workplace accident into a misclassification case.

Coverage by state
PA, 142 professionals (most active)
PA · 8810
36.2%
NY · 8810
28.4%
NJ · 8810
22.1%
04

Every shift is covered under the state where it happens, automatically.

Each shift binds in the state where the work happens, with that state's WC class code, so no state line goes missing at audit.

We're onboarding a lot of contractors for in-home care, and what we needed was workers' comp for the people driving out to seniors' homes. It's going to save us a lot of time and energy, and a lot of money.

Founder
Home-care platform
Staffing desk Q's

What healthcare staffing teams call us about.

Multi-state routing by work state, per-shift coverage windows, and the credentialing-WC parallel timeline.

Often, yes. Facilities and staffing platforms frequently require active workers' compensation before an allied-health professional, therapist, tech, or home-health contractor can take a shift.

Not when the policy is issued to the contractor as the named insured. 1099Policy can add the staffing company, facility, or network as additional insured while keeping the underlying coverage with the contractor.

The contractor's policy is designed to respond first for covered medical costs, wage replacement, and related benefits. The facility or staffing platform stays attached to the certificate record for audit and contract purposes.

Yes, when the engagement is routed correctly. 1099Policy supports coverage by assignment, shift, or longer policy window, and stores the certificate trail by work state and facility requirement.

1099Policy handles the coverage piece, issuing and storing proof of insurance, and it slots alongside your existing license, background-check, immunization, and facility-packet workflows. We don't verify clinical credentials or licenses ourselves. Coverage just becomes one more item the staffing desk can confirm and file before the assignment starts.

The independent allied-health professional or contractor is the named insured. Their name or business entity appears on the COI, while the staffing company, facility, or health network can be added where required.

Call to action section for 1099Policy

Cover every shift without an EOR conversion.

Issue workers' comp in the professional's name, route it per-shift, and pull a COI the same day. Your roster stays 1099 and audit-ready.

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YuzuHealth
Worksuite
Per-shift WC routing for healthcare workforces across 46 states.