Pricing that matches the way IC engagements actually work.

Two parts, two payers. Premium is the contractor's cost as the named insured. The platform access fee is yours, sized to your program.

Who pays what · how it's sized

Two costs. Two payers.

Premium and platform access are structurally different costs paid by different parties, sized by different factors. The split matters for IC classification and clarifies what shows up on whose ledger.

Contractor's responsibility · Premium

Carrier-rated against the engagement.

The contractor is the named insured on the policy — for WC, GL/PL, Media/Cyber, or whatever mix the engagement requires. WC and the liability lines are rated by state × class code × engagement value; Media and Cyber are flat per-day rates for the coverage window. Many platforms remit premium on the contractor's behalf as part of the engagement, but the structural responsibility (and the named insured) stays with the contractor.

Platform's responsibility · Platform access

Sized to your program.

1099Policy charges the engaging platform (or upstream contracting entity) for the integration, dashboard, COI archive, and ops support that make the program run. Per-engagement cost drops as your volume scales — channel (direct or partner-sourced) and product mix (which coverage types you require) also factor in. Quoted as part of program setup — talk to sales for specifics.

What's not in the bill

The fees that aren't there.

No annual commitment

Month-to-month. Cancel anytime. No renewal cycle to negotiate, no procurement hurdles to clear every March.

No setup fees

Sandbox access without a sales call. Build a working integration end-to-end before procurement gets involved.

Contractor premium estimator · live

What your contractors will pay.

Premium is the contractor's cost as the named insured. Most buyers either absorb it via contractor rate markups or pass it through to the contractor — either way, useful for sizing program economics. Production rates are available via the Quote API after onboarding.

$1,000
Estimateillustrative
{
  "id": "qt_preview",
  "object": "quote_estimate",
  "state": "CA",
  "class_code": "8810",
  "compensation": 1000,
  "coverage_estimate": {
    "workers_comp": "$1 — $4",
    "gl_pl": "$1 — $3"
  },
  "total_estimate": "$1 — $7", // illustrative
  "note": "Production rates via /v1/quotes after onboarding"
}

Premium shown is what the contractor pays as the named insured. Buyers may absorb premium via contractor rate markups or pass it through directly to the contractor. Platform access is the buyer's separate cost, sized to the program (volume, channel, product mix) and quoted separately. Illustrative ranges based on representative factors; production quotes via the Quote API also factor in entity coverage limits, prior loss history, and scheduled rating credits.

Still comparing?
See the line-by-line of 1099Policy vs EOR — calculator included.
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Frequently asked

The questions every prospect asks first.

Premium is calculated against the compensation paid on the engagement, multiplied by a class-code rate (per $100 of compensation), then adjusted by the state's rate-bureau-filed factor. Same math any WC carrier uses. Platform access is sized separately to your volume and program structure — talk to sales for your program's specifics.

Because WC premium genuinely varies — by occupation (class code) by 50× or more between, say, an office worker and a roofer at the same compensation level. And platform access pricing depends on your volume, channel, and product mix. Any company that publishes a flat percentage is either oversimplifying for marketing or hiding the variability that's already in the underlying carrier rates.

North Dakota, Ohio, Washington, and Wyoming run monopolistic state-fund WC — the state is the only legal carrier in those jurisdictions. Contractors there need to enroll with the state fund directly. General liability and our other products are still available; only WC is excluded.

No annual commitment — month-to-month, cancel anytime. Whether there's a platform-access minimum depends on program size: larger programs typically run no-minimum, smaller operators may have a minimum monthly platform fee. We use that as a fit signal on smaller deals where we're investing setup time. Talk to sales for your program's specifics.

The contractor — always. That's one of the indicia of independence labor regulators evaluate when reviewing IC classification. Platforms are added as blanket additional insured, which preserves the audit-defense posture without making the platform the carrier of record.

An EOR converts the contractor into a W-2 employee of theirs and charges roughly 20% on every dollar of contractor pay. We keep the contractor 1099 and issue insurance directly to them — total cost is the rated WC premium plus platform access, typically a fraction of the EOR markup. Same protection, none of the misclassification risk. Run the numbers on the comparison page.

Underwritten by a Fortune 500 carrier rated A+ (Superior) by AM Best. Full carrier panel and ratings detail available under NDA during enterprise procurement.