Pricing Guide

Our API is free to use

Commissions Model


of policy premium
Up to 3 insurance policies
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of policy premium
Unlimited insurance policies
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How we make money

Independent contractor platforms and marketplaces can use the 1099Policy API at no cost. 1099Policy makes money by charging a commission on policy sales, similar to a traditional broker (or direct-to-carrier) model.

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How pay-as-you-go pricing works

1099Policy is built to address the cyclical nature of contractor work and the high upfront insurance premiums that often get in the way of securing the next job. Our API is built around our pay-as-you-go insurance product that aligns premium payments with the contractor's pay cycle. Platforms that pay out funds to independent contractors simply use our API to wire-up the premium payment functionality and we'll handle the rest – ensuring contractors get the coverage they need and businesses run their contingent workforce programs in a compliant way.