Designing your workflow

Overview

1099Policy's API is flexible enough to support a range of workflows for embedding insurance opt-in functionality into your contractor onboarding process. In general, you’ll have three options, requiring different levels of engineering investment.

Bulk upload via 1099Policy dashboard

Bulk upload is the most manual of the options presented, reps working on behalf of the labor platforms collect the names of contractors that have opted in for insurance and manually send them a link to an insurance application hosted by 1099Policy (i.e., apply.1099policy.com).

In particular, the labor platform reps use the 1099Policy dashboard to upload a file with one or more contractors, including details like the work description and location, among other information. 1099Policy generates an insurance application link, that includes the insurance quote and e-signature docs for a specific contractor. Labor platform reps then have the option to email out the link directly from the 1099Policy dashboard. Clicking the link launches the 1099Policy hosted insurance application workflow, which walks the contractor through the process of procuring insurance, typically requiring less than 3 minutes to complete.

This option has the benefit of requiring zero engineering investment, but requires manual effort on the part of the labor platform reps which makes this option harder to scale.

For more information, see our Manually uploading contractors guide.

Direct API integration

Directly integrating with 1099Policy API completely eliminates the manual effort of uploading contractors via the 1099Policy dashboard. Labor platforms that integrate our API directly into their workflow have contractor and work assignment details programmatically sync with our platform when the contractor opts in for insurance coverage. To simplify integration, we offer developer libraries that are built on top of our API.

Insurance application hosted by 1099Policy

Labor platforms that integrate with our API have the option of programmatically fetching the insurance application link which can then be emailed to the contractor or surfaced within the labor platform’s existing contractor assignment workflow. The 1099Policy-hosted insurance application works seamlessly out of the box on both desktop and mobile web. Although it requires some engineering investment, it’s limited to the backend integration between the labor platform and 1099Policy. This approach has the benefit of automating data sync, application link creation, and real-time insurance compliance monitoring without needing to build an entire insurance application flow from scratch. This, we believe, is the ideal middle ground for labor platforms integrating with 1099Policy.

Custom insurance application flow

The custom insurance application flow gives the labor platforms the option to completely control the contractor experience, end-to-end, from the insurance application UX, to the timing and ordering of the API calls.

Building the contractor experience

To help labor platforms meet the regulatory demands of the insurance industry and our carrier partners, 1099Policy has laid out the following requirements for anyone building their own insurance application experience:

• Contractor PII verification: Verify the contractor’s Personally Identifiable Information (PII) is complete and correctly formatted. In addition, you’re required to check the contractor’s details, i.e., their full legal name, against the OFAC sanctions list.
• Insurance screening questions: Show the list of insurance application screening questions, as provided in the quote response object. The question response must be recorded back to the 1099Policy platform which will determine coverage eligibility.
• Disclosures and e-signature: Use the 1099Policy disclosure templates and charge authorization form, provided upon request, to collect the contractor’s consent and signature. There are strict requirements that come with collecting e-signatures so you’ll want to use a trusted service like DocuSign or similar to meet the requirements of the EISGN Act.
• Premium confirmation and payment step: Present the contractor with a complete breakdown of the costs as reflected in the quote response object. If you’re withholding payment on the contractor’s behalf, you’ll need to capture the contractor’s explicit approval.