Embed per-assignment workers' comp, general liability, and more into your onboarding flow. A contractor opts in once; coverage binds in their own name in milliseconds, and an audit-ready certificate returns to your stack. The payoff: you clear procurement at bigger enterprise accounts and put contractors to work on jobs they couldn't take before.
Across interviews with logistics, healthcare, creative, and field-service platforms, the same pattern shows up: the contractors are ready, but the insurance gap quietly caps growth.
Large buyers route work only to platforms whose contractors carry their own coverage. Without it, your best contractors never clear procurement, and the deal goes to a competitor who can say yes.
When an indemnification clause meets an uninsured worker's claim, the exposure lands on you. Operators tell us that getting this liability off their balance sheet is exactly why they move to embed coverage directly.
Coverage in the contractor's name signals genuine independence, and it is checked right inside onboarding, not chased down after the fact.
Certificates of insurance are a foreign language to the ops teams reading thousands a year. Auto-verify, auto-store, and get your team out of the insurance-broker business.
Enterprise buyers require coverage, so contractors without it cannot be placed on that work. Let them opt into coverage in their own name and your eligible talent pool expands.
The system listens for the events you already emit - onboarding, opt-in, assignment created - and binds coverage on the state change, in the contractor's name, with no human in the loop.
Coverage windows are scoped to the assignment dates and duration you pass in - per-gig, per-day, or the length of the engagement - and priced to the job type and wage.
Every bind fires a webhook and writes an audit-ready COI to the archive. Compliance tracking happens automatically - no one chases certificates over email.
Dispatch, last-mile, and same-day delivery networks keeping drivers and couriers covered per route.
Per-shift coverage for nurses, clinicians, and allied-health professionals sourced through your platform.
Freelance-management and contingent-workforce platforms placing creative, tech, and project talent.
Break-fix, installation, and field-tech dispatch where uninsured subs are the biggest audit exposure.
Practical answers on classification, the named insured, coverage footprint, and integration.
1099Policy lets your platform offer per-assignment insurance - workers' compensation, general liability, and more - to independent contractors on your marketplace. Coverage is issued in each contractor's own name and binds through a single API.
Enterprise buyers often require contractors to carry their own coverage. Embedded insurance turns previously ineligible contractors into placeable contractors and removes a common blocker to closing enterprise accounts.
The contractor, always. Their name is on the certificate of insurance and the carrier holds the policy in their name.
Workers' compensation, general liability, professional liability, media liability, and cyber liability - priced per assignment based on job type, wage, and duration.
Milliseconds after a contractor opts in for the first time. Coverage can be effectuated instantly, including single-day episodic policies.
No. You can begin from the 1099Policy dashboard, test the flow, and graduate to the full API and webhook integration when ready.
Full statutory workers' comp is available in 46 states plus DC. North Dakota, Ohio, Washington, and Wyoming are monopolistic state-fund jurisdictions.
Watch coverage bind and certificates issue in real time - using real assignments from your platform.
