Multi-state, per-assignment rates
Each assignment routes to the correct WC class code by work_state. Multi-state contractors get the right rate per assignment, scaled to the pay for that work.
Product: Fractional Insurance
Enroll once. Covered instantly, every assignment after.
Contractors enroll once, in under a minute. After that, every assignment they take is covered instantly, priced against their actual pay, never an annual estimate. It all runs through one API call.
What it does
Coverage that maps to actual work.
Every assignment gets its own rate, a premium that scales to the pay, and a COI before the work starts. No flat annual policy.
Premium scales to gross pay
WC, GL, Professional Liability, and Cyber are priced as a rate against the contractor's gross pay on each assignment. Media Liability is the exception, billed per shoot day, since production liability tracks the schedule, not contractor pay.
Per-engagement COI
Blanket additional insured added at bind time, the default on every COI, not a manual per-project add-on. The customer-of-record gets a COI in their name before the work begins.
Step 1: Enroll once
Contractors enroll in under a minute.
We host the application at apply.1099policy.com. The contractor gets the URL, verifies their information, reviews the quote, and accepts. Three screens, no insurance jargon, no broker portal.
See the contractor flow →Step 2: Every assignment after
Then coverage is instant.
We host the application at apply.1099policy.com. The contractor gets the URL, verifies their information, reviews the quote, and e-signs the coverage documents. No agent to call, no waiting on a quote.
See the API reference →Coverage Windows
Windows that match the work.
Coverage starts when the job starts and ends when it ends, whether that's a film shoot, a live event, or a signed statement of work. The effective_date and end_date track the actual engagement, not the calendar.
An annual policy charges a full year of premium even when the contractor works only a handful of days. Fractional charges premium scaled to actual pay on each assignment. Media liability is the one exception. It's billed by the day with a 30-day minimum, because that risk tracks how long you're covered, not what you earn on any one job.
See coverage examples →Fractional pricing
Per assignment, not per year.
An annual policy charges $4,200 regardless of work volume. Fractional charges $14.20, about 5.3% of the contractor's gross pay for this assignment, scaled to the right WC class code and state.
View pricing →Audit trail
Audit-ready by default.
Every bind, every COI, every premium calc archived indefinitely. When the carrier audit lands, the production accountant pulls a defense file in one click. It shows every assignment, contractor, state, and dollar of gross pay it was scaled against.
Read about audits →Trusted by
The teams that staff, dispatch, and pay contractors.
