Contingent labor risk overview live
Total uninsured vendor exposure
$0.00
1,284
Active contractors
100%
COIs valid
0
Open audit gaps
Event production · 312 crewCOVERED
Field installers · 540COVERED
Creative freelancers · 268COVERED
Brand ambassadors · 164COVERED
For enterprises sourcing contractors

Total uninsured exposure,brought to zero.

Issue per-assignment coverage in each contractor's own name (workers' comp, general liability, media liability, and more), embedded in the tools you already use to manage contract labor. See every contingent worker's status on one ledger, cut co-employment exposure, and replace the EOR markup.

The exposure

One uninsured contractor, three years of audit risk.

Federal and state agencies keep tightening scrutiny of 1099 labor. The exposure rarely comes from bad intent. It comes from contractors who don't carry their own coverage. Here is the same engagement, before and after.

$238,000
Single workers' comp audit penalty

A field-services company engaged 700-800 contractors across one year without coverage in their own names. At the workers' comp audit, the carrier reclassified that labor as the company's own payroll, with a multi-year look-back.

Year 1700-800 contractors deployed uninsured
AuditLabor recharged as payroll, 3-year look-back
Result$238,000 penalty assessed
Shielded with 1099Policy

The same engagement, audit-defended.

Named insuredThe contractor
Per-assignment COIIssued & archived
Audit-ledger statusExcluded labor
Classification logImmutable
Carrier look-backDefensible
Net exposure$0.00
Co-employment
When an injured contractor has no coverage of their own, workers' comp courts look for a way to anchor the liability back to you, the outcome that turns a contractor into a statutory employee.
Expertise gap
Sourcing and production teams are not insurance experts, and the risk department does not have time to map which coverages each vendor role requires. Requirements get guessed at, or skipped.
Operational drag
Before every engagement, teams work backward from the start date chasing certificates. Manual COI review is the silent line item nobody budgets for.
The EOR tax
Converting contractors through an employer of record is the most expensive way to close the coverage gap, typically 20% of pay. A direct, contractor-named insurance line does it for a fraction.
Compliance at scale

Continuous audit defense for large contingent-labor pools.

Immutable classification logging

Every coverage determination and certificate is time-stamped and tamper-evident, so when a carrier opens an annual review you can show exactly who was covered, in whose name, and for which engagement.

  • Time-stamped determinations
  • Tamper-evident records
  • Carrier-review ready

Audit-ledger exclusion

Per-assignment COIs in the contractor's name keep that labor out of your payroll exposure from the start, with a multi-year archive that answers a three-year look-back on demand.

  • Contractor labor excluded
  • Multi-year COI archive
  • Look-back answered instantly

Defensive indemnification

Coverage in the contractor's name plus your additional-insured status forms the shield against anchored claims, the framework that keeps an injured contractor's exposure from landing on your balance sheet.

  • Contractor is named insured
  • You added as additional insured
  • Reclassification risk mitigated
How it binds

Coverage in the contractor's name, not yours.

ICPer-assignment contractor coverage
● Active
Named insured
The independent contractorYou are added as additional insured, never the employer of record.
Model
Pay-as-you-go, per assignmentPremiums sized to the job type, wage, and length of each engagement.
Coverage types
WC, GL, professional, media, cyberTailored to the role, from production crews to ambassadors and field techs.
Coverage footprint
Statutory WC in 46 states + DC; other lines reach furtherWC is the only line limited by monopolistic state funds (ND, OH, WA, WY). GL covers all states but Hawaii; cyber and media extend worldwide.
Integration
Embeds in your existing stackFrom spreadsheets to a full vendor management system.
Where it fits

Built for how enterprises actually source contractors.

Experiential & events

Production crews, vendors, and on-site labor covered before load-in, with certificates verified against the run-of-show.

Marketing & creative

Agencies and brand teams keeping freelance creative, production, and content talent covered per project.

Influencer & ambassador programs

Creator and ambassador engagements covered for general, media, and on-site liability, per booking.

Field technicians & installers

On-site and break-fix labor where uninsured subcontractors create the largest audit exposure.

Common questions

The questions risk and procurement teams ask first.

Guidance on co-employment, workers' comp audits, the EOR comparison, and COI automation.

Increasingly, enterprise procurement and MSAs require consultants to carry E&O, cyber, and workers' comp in their own name before a statement of work can open. There's also a misclassification angle: under AB5's ABC test, a consultant routed through a staffing firm can be reclassified based on the degree of control and independence. Coverage in the consultant's own name is one supporting signal of an independently established business. It's not proof of IC status on its own, but it clears a common procurement blocker.

They're sized to the engagement: contract value, scope, and the data the work touches, rather than a flat 12-month policy. Coverage binds for the SOW window, and cyber is matched to the client PII or systems the consultant handles, so limits reflect the actual exposure of that project.

Not when it's issued to the consultant as the named insured, with the client added as additional insured. That's the opposite of an EOR arrangement, where the consultant becomes a W-2 employee. Coverage in their own name supports independent-contractor posture rather than undermining it.

AB5's ABC test turns on control and whether the consultant runs an independently established business. Coverage in their own name is one supporting signal, not proof, and the full test still governs. (1099-K is a payment-reporting threshold, separate from classification, so it doesn't change who counts as an employee.)

Yes. E&O, cyber, and WC issue in the consultant's name, with your client added and limits set above the MSA minimum, available via API or dashboard on day one, so procurement isn't waiting three weeks on a broker quote.

The consultant or their business entity, always. Their name is on the COI and the carrier holds the policy in their name. The enterprise client is added as additional insured where the MSA requires it.

Call to action section for 1099Policy

Eliminate uninsured contractor exposure across every engagement.

See every contingent worker's coverage status on one ledger, issue contractor-named policies per assignment, and keep audit-ready records without rerouting workers through an EOR.

Talk to salesSee it live
Omnicom
Simon
Built for enterprise sourcing, procurement, production, and risk teams.