What media liability covers

Three content claims, one media 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
How it binds

Scoped to the project. Bound in minutes.

Contractor opts in

Project, role, limit, and engagement window are captured in your existing workflow.

We bind

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

COI delivered

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

Where the content travels

Covered wherever it's made. And wherever it runs.

Global
Any 1099 · wherever content runs

Media Liability is available to any 1099 who makes content — creator, photographer, post vendor — and coverage follows the content wherever it's distributed. The campaign that runs in São Paulo or Seoul is still their covered claim*

Coverage territory: worldwide
*Coverage territory per policy form. Confirm jurisdiction-specific terms with the carrier before binding.
New YorkLos AngelesTorontoMexico CitySão PauloBuenos AiresLondonParisLagosBogotá
Call to action section for 1099Policy

Bring a project. We'll scope it live.

We'll scope Media Liability to one of your real projects and walk you through clearance, defamation, and publicity coverage — plus what the brand sees on the COI.

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1,200+ agencies and platforms trust 1099Policy to manage contractor risk