Hidden risk
A model is injured on set, and the agency gets named in the claim.
WC in the model's own name keeps the injury a comp claim, not a lawsuit against the agency.
For fashion & modeling
Coverage for models, stylists, and crew,in their own name, on every shoot.
Workers' comp and general liability for every booking, issued in the talent's name instead of yours. Models get real protection, and you avoid the risk of them being treated as your employees.
The fashion-booking gap
Bookings come together in hours. The rules around them just changed.
The Fashion Workers Act set a higher bar. Five places the old way of running bookings no longer clears it.
The W-2 workaround
Putting models on W-2 just to insure them kills the flexibility they signed for.
Per-booking coverage in the model's name closes the gap, with no payroll conversion.
Fashion Workers Act
New York's Fashion Workers Act rewrote the rules for modeling agencies.
It holds them to new licensing and fiduciary duties. Models stay independent contractors, and coverage in their own name protects them without a W-2 conversion.
Per-booking COI
Every booking needs a clean COI, before call time.
Issued in the model's name, client and agency added, with no certificate chase the morning of the shoot.
Talent draw
Clients require coverage. Models opt in. Your board fills.
Handling compliance well becomes a reason talent signs with you.
Built for the booking desk
Four things it does between deal memo and call time.
Real coverage for your talent, without converting models to W-2.
POST /v1/assignments
1 "contractor": "cn_Mb3FRd9Qa",
2 "job": "jb_modelBooking",
3 "work_state": "NY"
● 200 policy: po_Yk2WKd$0.95 / $100
01
Coverage in the model's name, issued as part of confirming the booking.
Send us the booking, get a price for that booking, and coverage starts the moment the model opts in. It runs inside the booking workflow you already have. Coverage is issued in the model's name with the agency listed as additional insured, structured the way a booking actually runs.
Per-booking premium breakdown
ModelWCGLTaxTotal
Camille Park$48.30$36.50$1.20$86.00
Tomi Abara$52.10$40.80$1.35$94.25
Campaign premium$180.25
02
Per-booking premium itemized: WC and GL, per model, per shoot.
Booking fees go in, premium comes out, line by line, per model, per state. The audit trail your accountants and clients need comes out already organized the way they ask for it.
General liability
Additional insuredInsured
Camille Park
Each occurrence$1,000,000
General aggregate$2,000,000
Personal injury$1,000,000
03
Coverage in the model's name. Agency named on the COI.
WC and GL issue in the model's name; the agency and client are listed as additional insureds on each booking, meaning the policy protects them too. That's the structure that keeps talent independent, without a W-2 conversion.
12/12
All checks pass
12 pass
Passing Checks (12)›
✓Insured in the model's namePass
✓Agency named as additional insuredPass
✓COI issued before call timePass
✓Coverage window matches the bookingPass
04
Every booking's coverage, verified before call time.
Each booking confirms what matters for coverage: insured in the model's name, the agency named, the COI current, and the window matched to the dates. The documentation builds itself as you go.
I used to 1099 all our talent, but the payroll services kept pushing everyone to W-2 and charging all these fees, and we couldn't even track the money. Per-gig coverage in the talent's name is what lets us stay 1099 without the trauma.
FWA implementation
What agencies ask once the FWA hits compliance review.
How per-booking coverage works, how the agency gets named on it, and why models stay independent contractors.
Often, yes. The real exposure is misclassification, not the 1099 label. In states with strict worker-classification tests, like California, New Jersey, and Massachusetts, and under New York's own analysis, talent can be reclassified as employees based on the degree of control and how the booking is set up. If that happens, or if an uninsured model is injured on set, the agency or brand can end up treated as the employer, and the claim lands on them. WC carried in the talent's own name keeps an injury with their policy and is one supporting signal of genuine independence. It's not a substitute for the full classification test, but it closes the gap that would otherwise land on the agency.
Not workers' comp. The Act regulates New York modeling agencies and management companies: registration, a fiduciary duty to talent (a legal obligation to act in the model's best interest), written agreements, consent for AI and digital-replica use, a 20% commission cap, and prompt payment. It took effect in June 2025. Its one insurance provision requires the client booking a model to carry liability coverage for the model's health and safety. It's part of the broader push toward documented, in-name protections for creative workers.
Not when the policy is issued to the model as the named insured. 1099Policy issues coverage to the talent and adds the agency or client as an additional insured automatically, with no separate paperwork per booking. That's the opposite of an employer-of-record setup, where the model becomes someone's W-2 employee. Coverage in their own name supports independent-contractor status rather than undermining it.
Coverage starts and ends with the booking: the dates, the client, and whatever the certificate needs to say. Each policy is issued in the model's name, with the agency and client added where the booking requires it, so the paperwork is ready before call time.
The talent's policy is designed to respond first: workers' comp covers medical and lost-wage benefits, while the agency's separate GL and additional-insured status address secondary liability. The claim stays with the model's coverage instead of becoming a suit against the agency.
The model or talent, always. Their name or business entity is on the COI, the carrier holds the policy in their name, and claims pay out to them. The agency and client are added as additional insured where required.
Call to action section for 1099Policy
Keep your models covered and independent on every booking.
Workers' comp and general liability in the talent's name, ready before call time. Proof of coverage your clients can check for themselves.
Coverage in the talent's own name, for modeling agencies that need it on every booking.