Total uninsured exposure,brought to zero.

Co-employment risk is the chance that a worker you engage as a 1099 contractor is treated, for liability purposes, as your employee, exposing you to misclassification claims, back taxes, and benefit obligations. 1099Policy narrows it by issuing each contractor's insurance in the contractor's own name, so an injury has a remedy that isn't your payroll. Insurance does not decide classification. That turns on control and the economics of the relationship, and the call stays with you and your counsel.

At a workers' comp audit, any contractor labor without its own coverage tends to get reclassified as your payroll and charged premium, often with a multi-year look-back and penalties that can run into six figures. When the contractor carries coverage in their own name with a per-assignment certificate of insurance, that labor stays out of your audit ledger from the start.

Without their own workers' comp coverage, an injured contractor will often look to you for medical and lost-income benefits, and workers' comp courts frequently find a way to anchor that coverage back to the engaging company, which also undermines the contractor classification. When the contractor is the named insured, their policy responds first and that exposure is mitigated.

An EOR converts your contractor into a W-2 employee of a third party and typically charges a percentage of pay for it. 1099Policy keeps the worker as a 1099 contractor and simply gives them per-assignment coverage in their own name. Enterprises that replaced an EOR with a direct, contractor-named insurance line have saved substantially versus rerouting every worker through an employer of record.

Workers' compensation, general liability, professional liability (errors & omissions), media liability, and cyber liability, each priced to the engagement's job type, wage, and duration. Coverage can be tailored to the role, from event production crews to influencers and field technicians.

Yes. Collecting and vetting certificates manually is slow and error-prone, and most production, procurement, and HR teams aren't insurance experts. 1099Policy issues compliant COIs in seconds when contractors opt into coverage, and can review the certificates contractors already hold, storing audit-ready records by default.

Yes. The 1099Policy API embeds in the tools you already use to manage contract labor, from spreadsheets to a full-featured vendor management system, so coverage and compliance ride along with your existing onboarding and sourcing workflow.

Full statutory workers' comp is available in 46 states plus DC. North Dakota, Ohio, Washington, and Wyoming are monopolistic state-fund jurisdictions where, by statute, workers' comp is administered exclusively by the state rather than the private market.