Hidden risk
A Vlog Squad stunt: nine surgeries and a $10M injury lawsuit.
Jeff Wittek's injury filming a David Dobrik video hinged on one question — covered worker or uninsured contractor? Coverage in the creator's name keeps it out of court.
For creator & talent agencies
Workers' comp and liability for your freelance creators — without the EOR markup or the W-2 conversion.
WC, GL, and Professional Liability issued in the contractor's name and sized to each campaign, not a 12-month policy. Your freelancers stay 1099; your clients stay covered.
The creator economy gap
Creators are working without coverage. without coverage. Brands are noticing.
The talent management playbook hasn't caught up with how creators actually get hired. Here's what's quietly breaking — and what 1099Policy fixes.
EOR squeeze
You're paying 20% to convert creators into W-2s they don't want to be.
Talent managers tell us EOR conversion is the most expensive way to solve the WC problem — and creators hate the friction. We fix it without the markup.
Compliance
Regulators are tightening WC rules for 1099 creative work.
CA, NY, and NJ increasingly treat an uninsured creator as the brand's employee for liability. Coverage in the contractor's name clears the ABC test, too.
Operational
COI review eats 8 hours per booking.
We auto-verify, auto-tier, and auto-store — so your team stops playing insurance broker.
Roster growth
Brands require coverage → creators sign up → roster grows.
Each covered creator brings the next: your first ten bring the next hundred.
Built for talent ops
Four capabilities that turn brand-partnership compliance into infrastructure.
What runs when a creator is briefed, signs the deal memo, and ships the content — coverage included.
POST /v1/assignments
1 "contractor": "cn_VRA9Rd9Qa",
2 "job": "jb_creatorContent",
3 "work_state": "NY"
● 200 policy: po_pSZxKd$0.78 / $100
01
Bind WC and GL in the creator's name through the same API that drives the campaign brief.
The Assignments API takes the engagement as input, returns a rate against the content fee, and binds coverage when the creator opts in. No legal-team escalation, no week-long broker quote.
Compliant creator roster1,247(total)
↑ 18.6%vs last month
02
The compliant-roster number your CRO will actually screenshot.
As creators opt in, the dashboard turns roster growth into a single line finance can track. Coverage stops reading as a cost center and starts reading as a metric that goes up and to the right.
General liability
Additional insuredInsured
Mara Vega
Each occurrence$1,000,000
General aggregate$2,000,000
Personal injury$1,000,000
03
Coverage in the creator's name. Brand named on the COI for the campaign.
WC and GL issue in the creator's name; the brand and agency get listed as additional insureds for the campaign window. The structure that makes the legal review actually quick.
Contractors with pending applications
CreatedNameCoverageCurrent step
TodayVega, M.GL · NYIn progress
1 day agoOkafor, T.GL · CAIn progress
2 days agoLin, S.GL · ILNot started
3 days agoReyes, J.GL · TXNot started
04
Every creator on the campaign, every COI status — one queue.
Compliance review queue mirrors how brand legal already triages. The 8-hour manual review becomes a 5-minute dashboard scan, with status visible to the CMO at any time.
As an agency, we're not going to hold insurance for each of our creators — they all run their own businesses under their own 1099s. We just want to make sure they can take advantage of what we bring to them.
Field notes
What creator-talent companies ask first.
Pulled from procurement and legal calls with talent agencies, brand-partnership leads, and creator platform ops.
Often — and the real exposure is misclassification, not the 1099 label itself. In ABC-test states like California, New Jersey, and Massachusetts, and under New York's analysis, a creator can be reclassified as an employee based on the degree of control and how the work is set up. If that happens, or if an uninsured creator is injured on an engagement, the brand can end up the de facto employer on the workers'-comp claim. WC carried in the creator's own name keeps an injury with their policy and is one supporting signal of genuine independence — not a substitute for the full classification test, but it closes the gap that would otherwise land on the brand.
Not when the policy is in the contractor's name. 1099Policy issues coverage to the creator as the named insured - the brand or agency is added as a blanket additional insured. That is structurally different from an EOR arrangement.
The creator's policy responds first. WC covers medical, lost-wage indemnity, and rehab. The brand's separate GL and additional-insured status protect against secondary liability.
Yes. Per-gig, per-day, and annual options are available. A creator who opts in once can be covered for every engagement that flows through 1099Policy using the same underlying policy structure.
It regulates New York modeling agencies and management companies — requiring registration, fiduciary duties to the talent they represent, written contracts, consent for AI and digital-replica use, and prompt payment. It took effect in 2025. It's an agency-conduct law, not a workers'-comp or insurance mandate, so it doesn't itself require coverage for 1099 talent — though it reflects the broader push toward documented, in-name protections for creative workers.
The creator - always. Their name is on the COI, the carrier holds the policy in their entity, and claims pay out to them. The brand or agency is added as additional insured where required.
Call to action section for 1099Policy
Close the coverage gap across your creator roster.
Bind workers' comp and liability for every creator in their own name, sized to each campaign — and retire the manual COI review for good.
1,200+ brands, agencies, and creator platforms run contractor coverage through 1099Policy.