Per-engagement E&O and WC for IT freelancers — without taking on the W-2 risk.

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.