Product - Workers' Compensation

General liability in the contractor's name.

Third-party bodily injury and property damage, bound per engagement. The client, venue, or platform is added as additional insured — their requirement is met without their own policy being touched.

General Liability
● Active
Insured
Independent Contractor (named)Not the platform. Not the agency. The IC.
Coverage
Statutory limits in 46 states + DCMedical, lost-wage indemnity, and death benefits — set by each state's compensation schedule.
Trigger
Per-engagementActive only during the engagement. Premium scales with compensation paid, not duration.
Deductible
$0 to contractorNo out-of-pocket cost on a claim. Carrier pays from the first dollar.
Time to bind
Under 60 secondsAverage enrollment · 4 inputs
COI delivery
Instant PDFFetch via API or dashboard. Blanket additional insured supported.
Specialty market paper Risk capital partner-backedPer engagement · per exposure
What GL covers

Three exposures, one general liability policy.

Medical & indemnity

Statutory medical, lost-wage indemnity, vocational rehab, and death benefits — calculated to each state's compensation schedule.

  • No copay to the IC
  • Direct provider payment
  • Same-day claim intake

WC audit defense

At a WC audit, uninsured contractor labor gets picked up as the platform's payroll exposure — often with a three-year look-back. Contractor-named coverage with per-engagement COIs keeps that labor out of the audit ledger from the start.

  • Per-engagement COI evidence
  • COI archive for audit retrieval
  • Waiver of subrogation

Indicia of independence

Coverage that lives with the contractor — not the platform — keeps the relationship structurally clean under the ABC test, Cal AB5, and the new NY Fashion Workers Act.

  • Audit-ready COIs
  • 1099 status preserved
  • State filings included
49
States + DC · all except HI

Per-job general liability across 49 states + DC.*

GL availableNot yet available
*Hawaii is the one state where GL is not currently available. Every other state — plus DC — binds per job through the same API.
AL
AK
AZ
AR
CA
CO
CT
DE
FL
GA
HI
ID
IL
IN
IA
KS
KY
LA
ME
MD
MA
MI
MN
MS
MO
MT
NE
NV
NH
NJ
NM
NY
NC
ND
OH
OK
OR
PA
RI
SC
SD
TN
TX
UT
VT
VA
WA
WV
WI
WY
DC
How it binds

Bound before the truck rolls.

Contractor opts in

Embedded in your existing onboarding. Identity, role, state, and wage — the four inputs the carrier needs to underwrite.

We bind

Carrier-backed quote returns in under a second. Premium calculated by coverage, exposure, and engagement details.

COI delivered

Instant PDF naming the platform as additional insured. Archived for audit retrieval, accessible via API or dashboard.

Call to action section for 1099Policy

Watch a COI issue in real time.

We'll wire GL into your dispatch or onboarding flow with sample contractors and walk you through AI endorsements, COI delivery, and the claims path.

Jack Morton
Technet
Current Global
Golin
1,200+ agencies and platforms trust 1099Policy to manage contractor risk