Insurance & Compliance Made Simple
Insurance for 1099 technicians is coverage for work-related risks through workers' compensation, general liability, and professional liability policies. Through our Insurance Program with a licensed provider, we make legally required coverage affordable by fractionalizing costs and embedding them into each job you work.
Why Independent Contractors Need Insurance
As a 1099 independent contractor, you are legally required to carry your own business insurance. Without proper coverage, you risk personal liability for workplace injuries, property damage, or professional errors that could cost you everything you have worked to build.
Insurance shields your personal savings, home, and other assets from lawsuits and liability claims.
Most companies will not hire contractors who cannot provide proof of insurance coverage.
Proper insurance demonstrates professionalism and helps you win better contracts with premium clients.
Our biggest competitive advantage
Here is the truth about most gig platforms. They are SaaS companies, not employers. Because they are not your employer, they cannot legally provide workers' compensation insurance. Instead, they offer alternative products that attempt to cover similar situations, but these are not the same as legitimate workers' compensation coverage.
The Problem with SaaS Platforms
- They cannot provide real workers' compensation because they are not employers
- Alternative coverage products may have gaps, exclusions, or limitations
- You may not be fully protected in case of a workplace injury
- Companies hiring you may not accept substitute coverage
How We Provide Real Coverage
- Legitimate workers' compensation insurance through our Insurance Program with a licensed insurance provider
- Correct coverage on every job without gaps or exclusions
- Meets all state and federal requirements for independent contractor insurance
- Full legal compliance that companies recognize and accept
- No substitute products or workarounds, just real insurance
Bottom line. When you work through our platform, you get the exact same workers' compensation coverage that traditional employees receive. This is a huge advantage over other platforms that try to patch together alternative solutions. We go straight to the correct coverage on every single job.
Three Essential Coverage Types
Real coverage, not a substitute
Legitimate workers' compensation insurance that covers medical expenses and lost wages if you are injured while performing work related tasks. Unlike other platforms that use substitute products, we provide the correct coverage required by law.
What it covers
- Medical bills from work related injuries
- Lost wages during recovery
- Rehabilitation costs
- Disability benefits if applicable
Protects you from third party claims for property damage or bodily injury that occurs during your work.
What it covers
- Property damage to client facilities
- Third party bodily injury claims
- Legal defense costs
- Settlements and judgments
Covers claims related to errors, omissions, or negligence in your professional services.
What it covers
- Errors in your work or services
- Omissions or missed requirements
- Negligence claims
- Defense and settlement costs
How Our Insurance System Works
Through our Insurance Program with a licensed insurance provider, you only pay for coverage while you are actively working instead of paying thousands upfront for annual policies.
Traditional Insurance
Pay thousands upfront for annual policy, whether you work or not.
- • $3,000 to $8,000 upfront
- • Pay even during slow months
- • Drains your savings
Our Fractionalized Model
Small costs embedded per job. Only pay when you work.
- • No upfront payment required
- • Cost is a small percentage of job total
- • Immediate coverage from day one
Get real time insurance quotes and immediate coverage when you accept a job. No waiting periods, no lengthy applications. You are protected from the moment you start working.
Receive digital certificates of insurance instantly. Companies get automatic confirmation when you have obtained coverage, and certificates are available on demand whenever needed.
We automatically track your coverage and ensure compliance. Companies can verify that you have the necessary insurance without chasing paperwork or expired certificates.
Premium costs are automatically embedded in each job payment. You never have to worry about coming up with thousands of dollars upfront or managing separate insurance bills.
Benefits for Technicians & Companies
- No overwhelming upfront costs to start working.
- Only pay for coverage when you are actively working jobs.
- Instant coverage means you can start earning immediately.
- Digital certificates available on demand for client verification.
- Full protection for your assets and livelihood.
- Automatic verification that contractors have required coverage.
- No more chasing expired certificates or compliance paperwork.
- Mitigate risk of worker misclassification lawsuits.
- Expand your labor pool with insurance compliant contractors.
- Streamlined onboarding removes insurance obstacles.
Insurance Questions
What the Insurance Program covers, how pay as you go pricing works, and how coverage is verified.
Ready to Get Protected?
Join 1099.careers and get instant insurance coverage without the overwhelming upfront costs.