Wrapbook and 1099Policy

Wrapbook covers the crew on payroll. The 1099s need their own policy.

These are not competing products. Wrapbook runs production payroll and accounting, and it provides workers' compensation for the people it puts on payroll. On most commercial shoots a few people stay 1099 anyway: the one-day specialist, the editor, the retoucher. Eligible contractors can pick up coverage for the assignment through 1099Policy, in their own name, with the certificate issued before the first shoot day.

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What each one doesWhere the gap isPricingRunning both
Side by side

What each one does.

FeatureWrapbookPays the crew1099PolicyPlaces coverage
What it's forProduction payroll, accounting, and AP for film, TV, and commercial workInsurance for US contractors on an assignment, and the certificate that proves it
How the worker is engagedOn payroll as a W-2 employee, or through a loan-out companyStays an independent contractor and holds the policy in their own name
Workers' compProvided for production employees and loan outsPlaced in the eligible contractor's own name, per assignment
Crew who stay 1099Wrapbook publishes that it does not provide workers' comp for contractorsEligible contractors get covered for the assignment before work starts
General liability and specialty linesNot published as part of the payroll productAvailable in the contractor's name alongside workers' comp
Pricing (Sep 2026)Not publishedTwo costs, two payers. The contractor pays the premium as the named insured; you pay for platform access, quoted at program setup
Best fitProductions putting crew on payrollThe freelancers who stay 1099 alongside that payroll
The honest version

When Wrapbook is all you need.

If everyone on the call sheet goes on payroll, you are done and there is nothing for us to add. Wrapbook is a better payroll and production accounting system than we will ever be, because we do not do payroll at all. This page is only about the names that stay 1099 next to that payroll.

Wrapbook's project setup documentation tells producers to enter only the employees and loan outs they plan to pay when the production applies for workers' compensation. It gives the reason in one line:

"Wrapbook does not provide workers' compensation insurance for contractors."

Wrapbook Help Center, Project Setup: Workers' compensation. Read the source, September 2026.

Wrapbook details on this page are from what the company publishes, September 2026.

How the two fit together

One call sheet, two kinds of paperwork.

On payroll

Crew hired as employees, and loan-out companies, run through Wrapbook. Their workers' comp comes with that payroll. Nothing changes and we do not touch it.

Handled by Wrapbook

Staying 1099

Anyone invoicing you directly sits outside that payroll, and outside the coverage that comes with it. Eligible contractors pick up coverage for the assignment while they onboard, in their own name, with the certificate issued before day one.

See how coverage gets issued →

About the coverage. Written per assignment in the contractor's own name and backed by a licensed carrier. Available to eligible contractors, subject to underwriting, the type of work, and the state. Workers' comp covers 46 states; North Dakota, Ohio, Washington, and Wyoming run their own state funds. Construction trades are not covered. Insurance does not change how a worker is classified.

Illustrative example

A three-day commercial, and the six names nobody planned for.

An agency books a three-day shoot. Thirty-one crew go on payroll through Wrapbook, union and non-union, plus four loan-out companies. Their workers' comp comes with the payroll, and that part is settled before the first call time.

Six more people invoice the agency directly: a colorist, two editors, a retoucher, a motion designer, and a stills photographer brought on for one afternoon. None of them are on the payroll, so none of them are inside its coverage, and business affairs finds out when it asks for certificates in week two. Eligible contractors in that group can be covered for the assignment during onboarding, which moves the question to the front of the job instead of the middle of it.

Common questions

What production teams ask when Wrapbook is already in place.

What each one does, who is inside the payroll coverage and who is not, what it costs, and who pays.

No, and it could not. Wrapbook runs production payroll, accounting, and AP. We do not do payroll at all. If Wrapbook is your payroll system, it stays your payroll system.

Because of how their own documentation scopes it. Wrapbook's setup guide tells producers to enter only the employees and loan outs they plan to pay, and says that Wrapbook does not provide workers' compensation insurance for contractors. Anyone invoicing you directly as a 1099 sits outside that.

Yes, and that is the normal case. Payroll crew go through Wrapbook. Contractors who stay 1099 hold coverage in their own name, placed through 1099Policy, and the certificate can be collected wherever you already collect certificates.

Wrapbook's documentation puts loan outs inside the coverage it provides. The gap is the contractor invoicing as an individual or a sole proprietor with no policy behind them, which on commercial work is often the post and specialty roles.

Two costs, and they sit with different parties. The contractor pays the premium as the named insured, carrier-rated against the engagement; platforms often remit it out of the contractor's payout, but it stays the contractor's cost. Platform access is billed to the hiring company and quoted at program setup. See pricing

Workers' comp is available in 46 states. North Dakota, Ohio, Washington, and Wyoming run their own state funds, so coverage is bought from the state there. Construction trades are not covered.

No. Insurance does not determine how a worker is classified. Classification turns on the whole relationship and the test that applies in your state, and should be reviewed with counsel. In New Jersey, from October 1 2026, coverage a company requires or encourages a contractor to carry does not count as evidence of independence under N.J.A.C. 12:11. What changes in New Jersey

Call to action section for 1099Policy

Payroll is handled. The 1099s don't have to be a scramble.

Coverage for eligible contractors who stay 1099, in their own name, with the certificate issued before the first shoot day.

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