1099Policy Reviews & Product Details

1099Policy is embedded insurance and compliance infrastructure for organizations that engage independent contractors at scale. Enterprises, staffing platforms, agencies, and labor marketplaces integrate the API into their existing onboarding flow. When a contractor is assigned to work, coverage binds in the contractor's own name for the length of that assignment, and the certificate is available before the first day. The alternative most companies land on is an Employer of Record or PEO, which moves the contractor onto someone else's payroll at 16%+ markup, or a manual certificate chase that runs on spreadsheets and email. 1099Policy prices at roughly 0.5 percent of contractor earnings and doesn't change the contractor's classification. Coverage lines. Workers' compensation, general liability, professional liability, media liability, and cyber liability. Coverage runs per assignment, so a two-day engagement is priced as two days. Certificate of insurance management. Automated collection, ACORD parsing, verification against your requirements, renewal and lapse alerts, bulk audit across large contractor pools, and full export history for workers' comp audits and three-year lookbacks. Built for the buyer, not the contractor. The purchasing decision and the compliance record sit with the engaging organization. The contractor is the covered party and the policy is written in their name, which is what keeps the arrangement defensible. Who uses it. Contingent workforce, risk, and compliance teams at enterprises and labor platforms. Customers include dozens of agencies inside Omnicom's network following its merger with Interpublic Group, among them Jack Morton Worldwide, Weber Shandwick, Octagon, and Current Global. Coverage also runs across commercial property programs, healthcare and clinical staffing marketplaces, and creator and influencer platforms. What customers report. One agency operations team cut 80+ hours per week of certificate administration. A peer enterprise running creator and influencer programs saved $4M on $26M in contingent talent spend by moving off Employer of Record arrangements. One enterprise property program runs coverage across 4,000+ contractors and had a custom media liability product built in 28 days. Technical. REST API, webhooks, native integrations with contractor management platforms, and an MCP server with a scoped tool catalog so internal AI agents can query coverage status and pull certificates directly.