Why we exist

Insurance should never stand between a person and their work.

That barrier is business insurance. We built 1099Policy to remove it for the companies, platforms, and agencies that hire independent talent — coverage in the contractor's own name, embedded in the tools you already run.

The five whys

What a faster “yes” sets in motion

One person clears a coverage requirement. Then a thousand do. Multiply that across an economy, and you see the future we're building toward. Here's the path, one “why” at a time.

01

Coverage that turns on with the work

The moment a job is real, so is the protection. No forms to chase, no week lost before day one.

02

So “yes” stops being a gamble

A coverage requirement is never the reason someone turns down work they're ready for.

03

So the people behind the work are safe

The same financial footing and protection the big firms have, now standing behind every contractor.

04

So small operators can compete for bigger work

The one-person shops and small teams that move the economy stop losing jobs over a coverage form.

05

So more people get to bet on themselves

Photographers, developers, nurses, tradespeople — building something of their own, on their own terms.

∞

So talent is the only thing that decides who thrives

Every barrier we remove puts a little more human potential to work.

How we got here

Born from a decade in the weeds of this problem

1099Policy began with years spent advising staffing agencies and freelance platforms on insurance — and watching the same thing happen again and again. A qualified contractor would lose work not for lack of skill, but because they couldn't meet a client's insurance requirement fast enough or affordably enough.

The old way was a manual review nightmare: spreadsheets, chased COIs, expired certificates, wrong named insureds, and weeks of back-and-forth. We rebuilt it so coverage binds the moment work starts. Toggle the card to see the difference we lived through.

Manual audit · WC class 9410 · 4 states
asg_8f3c
M. Rivera
Misclassified
!
asg_2a91
D. Osei
COI missing
!
asg_77be
L. Park
Expired
!
asg_0c14
J. Cole
Wrong state
!
47 exceptions open~3 weeks to resolve
1099Policy · bound at assignment
asg_8f3c
M. Rivera
Covered
asg_2a91
D. Osei
Covered
asg_77be
L. Park
Covered
asg_0c14
J. Cole
Covered
0 exceptionsbound at assignment
From the founders

Why we're doing this

"
I've watched insurance requirements lock skilled solopreneurs out of the enterprise work they're perfect for. Remove that barrier, and more people get to do what they do best.
Fitz Ventura headshot
Fitz Ventura
CEO & Co-Founder
"
We'll know we've succeeded when getting covered is something no contractor ever has to think about.
Ray Ventura headshot
Ray Ventura
CTO & Co-Founder
What we believe

Why we build it the way we do

Our core conviction

Working on your own terms shouldn't be a privilege.

The right to choose how and for whom you work belongs to everyone — not just the traditionally employed. Everything else we believe follows from this one.

Protection shouldn't be a luxury

Coverage that scales down to a single project means security is within reach for any worker, not just the fully employed.

Simplicity is a form of respect

We absorb the complexity of business insurance so people can spend their time on the work itself.

A bigger pool lifts everyone

Every worker we make insurable becomes hireable. Expanding eligibility expands opportunity.

Who we're for

One goal, seen from three sides

We're built for the businesses, platforms, and agencies that put independent talent to work — and it only holds when the contractor is protected too. Three sides, one outcome — select a side to see it.

Confidence to hire

Bring on independent talent without the risk, the audit exposure, or the compliance overhead.

M. Rivera
Production support · CA
WC · GL
Active
D. Osei
Field install · TX
WC · GL · PL
Active
L. Park
Creative · NY
GL · PL
Active
J. Cole
Logistics · IL
WC
Active
Coverage built in

Embed pay-as-you-go coverage into your onboarding — contractors clear procurement, you clear enterprise deals.

# 1 · price coverage for a contractor on a job
quote = ten99policy.Quotes.create(
  job           = "jb_8f3c21",
  contractor    = "cn_yJBbMeq9QA",
  coverage_type = ["workers-comp", "general"],
)

# 2 · send the contractor to complete their application
session = ten99policy.InsuranceApplicationSessions.create(
  quote       = quote.id,
  success_url = "https://acme.com/covered",
)

# coverage binds when they finish the application —
# the submission is the bind, no policy.create needed
Freedom to say yes

Get covered in minutes and take the work, with real protection behind you.

Identity confirmed
Matched to assignment in 4s
[ VERIFIED ]
Coverage selected
WC + GL · pay-as-you-go
[ SELECTED ]
Tap to bind
Certificate issued instantly
03 // BIND
Join our team

Nimble, focused, and curious

We're a small, focused team — and that's our advantage. We know what we're here to do, we prioritize the work that matters most, and every day we get one step closer to a world where insurance never stands in the way of someone's work.

If having an outsized impact on a small, talented team sounds like you, let's talk.

Get in touch
"
We've made so much progress in such a short time because we stay focused on the highest-value work — and on the people we're here to serve.
Here to set you free

Clear the way for the people who do the work.

Whether you're building a platform, hiring independent talent, or doing the work yourself — let's talk.