Independent Contractor Insurance
Everyone’s a freelancer.
Until someone gets hurt.
Workers' compensation and general liability claims are among the top triggers for contractor misclassification audits. If your 1099 workers aren't insured, and they get injured on the job, the financial and legal exposure falls on your organization.
Worksuite's contractor insurance with 1099Policy closes that gap, automatically, for every engagement. Integrated directly into your existing Worksuite onboarding workflows. No separate systems. No chasing down paperwork.
The risk most organizations don’t see coming
If your contractors are doing any work outside a home office — on location, on set, at an event, in the field — there's a strong argument they should have insurance. Not because it's good practice. Because the moment an uninsured 1099 worker is injured on a job, they're likely to file a workers' comp claim with the state. And that claim opens the door to a misclassification audit that can cost far more than the original injury.
The average cost of a single workplace injury claim in the U.S. is $41,353 (NCCI). A misclassification finding compounds that exposure significantly: back taxes, penalties, retroactive benefits, and legal fees.
The industries most exposed:
- Live Events
- Video & Film Production
- Broadcast & Streaming
- Influencer Marketing
- IT & Field Services
Any engagement that involves hiring boots-on-the-ground workers.
Coverage types built for the way contractors work.
Fractional, on-demand policies issued in the contractor's name. Contractors only pay for coverage while they work — verified, tracked, and auditable in the Worksuite platform.
General liability insurance
- Coverage for property damage claims
- Protection against bodily injury lawsuits
- Shields freelancers from costly legal fees
- Helps prevent reputational harm from legal issues
- Ensures compliance with client insurance requirements
Workers’ compensation insurance
- Coverage for workplace injuries and medical expenses
- Protection for lost wages due to injury
- Ensures compliance with legal requirements
- Reduces the risk of legal costs for your business
Per-gig insurance. Built into your onboarding workflow.
Worksuite's integration with 1099Policy — the first provider in the country to fractionalize workers' compensation and general liability insurance by project — lets contractors obtain the exact coverage they need for each specific assignment, directly through the Worksuite platform.
One-day activation means one day of coverage. A month-long project means a month of coverage. No annual policies. No coverage gaps. No manual certificate chasing.
Contractors opt in during onboarding in under a minute. Insurance status is verified, tracked, and auditable in-platform. Your compliance team doesn't have to chase certificates. Your Legal team doesn't have to wonder.
Protect your talent, your teams, your business
Never hold up a project or event because a contractor can't produce a COI. Coverage is confirmed in-platform before work begins. Not chased down the morning of.
“The diligence around paperwork, legal contracts, and insurance certificates have been tightened up much more too, so we can be assured that we've always got the right securities in place and trust that the Worksuite platform is handling everything.”
Curious about contractor insurance?
Protect your contractors. Protect your organization. Before the work starts. We’ll show you how to cover all of your contingent workforce, mitigate legal risk, and stay compliant at scale.