{"version":3,"file":"VerticalFAQSection.CE68gGoJ.mjs","names":["React.useRef","React.useState","_Fragment"],"sources":["https:/framerusercontent.com/modules/11QeCwR7BlddY6Y2brNr/mWGI6mGmlf9IHRVa65jm/VerticalFAQSection.js"],"sourcesContent":["import{jsx as _jsx,jsxs as _jsxs,Fragment as _Fragment}from\"react/jsx-runtime\";import*as React from\"react\";import{addPropertyControls,ControlType}from\"framer\";const creatorItems=[{question:\"Do creators need workers' compensation if they're 1099 contractors?\",answer:\"Often, yes, but for practical reasons, not because one law says so. Brands and platforms increasingly require creators to carry their own coverage before an engagement. In states that use the ABC test (California, New Jersey, Massachusetts, and others), an uninsured creator who gets hurt can be reclassified as your employee. That leaves you the de facto employer on the claim. Workers' comp carried in the creator's own name keeps that injury with their policy. It doesn't settle classification on its own.\"},{question:\"What happens if a creator gets injured during a brand engagement?\",answer:\"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.\"},{question:\"Can creators reuse 1099Policy coverage across multiple engagements?\",answer:\"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.\"},{question:\"Who is the named insured on the policy?\",answer:\"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.\"}];const healthcareItems=[{question:\"Do 1099 allied-health professionals need workers' comp?\",answer:\"Often, yes. Facilities and staffing platforms frequently require active workers' compensation before an allied-health professional, therapist, tech, or home-health contractor can take a shift.\"},{question:\"Does paying for coverage compromise an allied-health professional's 1099 status?\",answer:\"Not when the policy is issued to the contractor as the named insured. 1099Policy can add the staffing company, facility, or network as additional insured while keeping the underlying coverage with the contractor.\"},{question:\"What happens if an allied-health professional is injured during a shift?\",answer:\"The contractor's policy is designed to respond first for covered medical costs, wage replacement, and related benefits. The facility or staffing platform stays attached to the certificate record for audit and contract purposes.\"},{question:\"Can coverage follow an allied-health professional across multiple facilities or states?\",answer:\"Yes, when the engagement is routed correctly. 1099Policy supports coverage by assignment, shift, or longer policy window, and stores the certificate trail by work state and facility requirement.\"},{question:\"How does this fit into credentialing and facility onboarding?\",answer:\"1099Policy handles the coverage piece, issuing and storing proof of insurance, and it slots alongside your existing license, background-check, immunization, and facility-packet workflows. We don't verify clinical credentials or licenses ourselves. Coverage just becomes one more item the staffing desk can confirm and file before the assignment starts.\"},{question:\"Who is the named insured on the policy?\",answer:\"The independent allied-health professional or contractor is the named insured. Their name or business entity appears on the COI, while the staffing company, facility, or health network can be added where required.\"}];const dispatchRepairItems=[{question:\"Do field-service techs need workers' comp if they're 1099 contractors?\",answer:\"Often, yes. Property managers, national accounts, and enterprise customers increasingly require proof that every tech arriving on site has active workers' comp in the contractor's name.\"},{question:\"Can coverage bind per dispatch instead of as an annual policy?\",answer:\"Yes. 1099Policy can activate coverage around the job window, route it to the right state and class code, and record premium against the actual dispatch.\"},{question:\"What happens when a tech crosses state lines?\",answer:\"The assignment should be rated by where the work happens. We route coverage by jurisdiction at dispatch time so each job lands in the right state, class code, and certificate record.\"},{question:\"Can the customer or property manager be added to the COI?\",answer:\"Yes. The tech remains the named insured, and the customer-of-record, property manager, or enterprise client can be added where the contract requires it.\"},{question:\"How does this fit into a dispatch workflow or API?\",answer:\"Your dispatch system can send the job details, work state, class, contractor, and customer requirements before the assignment is released. 1099Policy returns the coverage status and certificate record.\"},{question:\"Who is the named insured on the policy?\",answer:\"The independent field-service contractor or tech is the named insured. The coverage follows the work without converting the tech to W-2.\"}];const liveEventsItems=[{question:\"Which live-events roles can stay 1099?\",answer:\"Usually the independent production-leadership and creative specialist layer: production managers, tour managers, creative directors, designers, photographers, consultants, and vendors who control how they deliver the work.\"},{question:\"Do independent event specialists need workers' comp?\",answer:\"Often, yes. Venues, agencies, and brand clients may require proof of workers' comp before a specialist can step onto the show site.\"},{question:\"How do per-engagement GL and E&O work for a show?\",answer:\"Coverage can bind around the engagement window and certificate requirements: dates, venue, client, role, and additional-insured language.\"},{question:\"Can the venue or brand be added to the COI?\",answer:\"Yes. The independent specialist remains the named insured, and the venue, producer, agency, or brand client can be added where the contract requires it.\"},{question:\"What happens when a tour crosses state lines?\",answer:\"Coverage should follow where the work is performed. 1099Policy stores the record by engagement so audit questions do not land in a spreadsheet scramble.\"},{question:\"Who is the named insured on the policy?\",answer:\"The independent specialist or their business entity is the named insured. The producer, agency, venue, or brand can be attached as required.\"}];const filmProductionItems=[{question:\"Which production roles can genuinely stay 1099?\",answer:\"Usually the independent post, branded, and creative layer: editors, VFX artists, colorists, composers, photographers, drone operators, and designers who control how and where they deliver. On-set crew and performers working under the production's direction and schedule are typically W-2, often through a payroll company. The line turns on control and how the work is structured, not the title on the call sheet.\"},{question:\"Do 1099 production vendors need their own workers' comp?\",answer:\"Often, yes. The real exposure is misclassification, not the 1099 label. In ABC-test states like California, New Jersey, and Massachusetts, and under New York's analysis, a contractor 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 vendor is injured during the work, the production company can end up the de facto employer on the comp claim. WC carried in the vendor's own name keeps the injury with their policy and closes the gap that would otherwise land on the production. In most states it also counts as one signal of genuine independence, never proof on its own. New Jersey is the exception: from October 2026, coverage you required or encouraged doesn't count there.\"},{question:\"How do per-project E&O and Media Liability work?\",answer:\"Coverage binds around the project window and the deliverable. Media Liability is priced per shoot day and covers copyright, clearance, and publicity-rights risk on the footage that ships. E&O and GL follow the engagement. Each policy is issued in the vendor's name, with the agency or production added as additional insured where the contract requires it.\"},{question:\"Does paying for a vendor's coverage compromise their 1099 status?\",answer:\"Not when the policy is issued to the vendor as the named insured. 1099Policy issues coverage to the contractor and adds the production or agency as a blanket additional insured. That's the opposite of an EOR arrangement, where the contractor becomes a W-2 employee. Coverage in their own name doesn't undermine independent-contractor status. Whether it actively helps depends on the state.\"},{question:\"What happens if a vendor is injured during a shoot?\",answer:\"Their policy is designed to respond first: workers' comp covers medical and lost-wage benefits, while the production's separate GL and additional-insured status address secondary liability. The claim stays with the vendor's coverage instead of becoming a suit against the production.\"},{question:\"Who is the named insured on the policy?\",answer:\"The vendor, 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 production company or agency is added as additional insured where required.\"}];// Fashion answers follow the plain-language register (Aug 2026 pass): translate\n// insurance jargon (\"de facto employer\", \"blanket additional insured\", \"binds\")\n// into booking-desk language. Keep that register when editing.\nconst fashionItems=[{question:\"Do models, stylists, and crew need workers' comp if they're 1099?\",answer:\"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 the injury with their policy and closes the gap that would otherwise land on the agency. In most states it also counts as one signal of genuine independence, never proof on its own. New Jersey is the exception: from October 2026, coverage you required or encouraged doesn't count there.\"},{question:\"Does the NY Fashion Workers Act require coverage for our talent?\",answer:\"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.\"},{question:\"Does putting coverage on a booking compromise a model's 1099 status?\",answer:\"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 doesn't undermine independent-contractor status. Whether it actively helps depends on the state.\"},{question:\"How do per-booking WC and GL actually work?\",answer:\"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.\"},{question:\"What happens if a model is injured on set?\",answer:\"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.\"},{question:\"Who is the named insured on the policy?\",answer:\"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.\"}];const itConsultingItems=[{question:\"Do 1099 IT and tech consultants need their own coverage?\",answer:\"Increasingly, enterprise procurement and MSAs require consultants to carry E&O, cyber, and workers' comp in their own name before a statement of work can open. There's also a misclassification angle: under AB5's ABC test, a consultant routed through a staffing firm can be reclassified based on the degree of control and independence. Coverage in the consultant's own name is one signal of an independently established business, never proof on its own. New Jersey is the exception: from October 2026, it doesn't count there where the client required or encouraged it. Procurement wants the certificate either way.\"},{question:\"How are per-engagement E&O and cyber sized?\",answer:\"They're sized to the engagement: contract value, scope, and the data the work touches, rather than a flat 12-month policy. Coverage binds for the SOW window, and cyber is matched to the client PII or systems the consultant handles, so limits reflect the actual exposure of that project.\"},{question:\"Does carrying coverage affect the consultant's 1099 status?\",answer:\"Not when it's issued to the consultant as the named insured, with the client added as additional insured. That's the opposite of an EOR arrangement, where the consultant becomes a W-2 employee. Coverage in their own name doesn't undermine independent-contractor posture. Whether it actively helps depends on the state.\"},{question:\"How does this hold up to AB5 and 1099-K scrutiny?\",answer:\"AB5's ABC test turns on control and whether the consultant runs an independently established business. Coverage in their own name is one signal, never proof, and the full test still governs. (1099-K is a payment-reporting threshold, separate from classification, so it doesn't change who counts as an employee.)\"},{question:\"Can we get client-ready COIs on day one of the SOW?\",answer:\"Yes. E&O, cyber, and WC issue in the consultant's name, with your client added and limits set above the MSA minimum, available via API or dashboard on day one, so procurement isn't waiting three weeks on a broker quote.\"},{question:\"Who is the named insured on the policy?\",answer:\"The consultant or their business entity, always. Their name is on the COI and the carrier holds the policy in their name. The enterprise client is added as additional insured where the MSA requires it.\"}];const laborPlatformItems=[{question:\"What does 1099Policy do for a labor platform or marketplace?\",answer:\"1099Policy lets your platform offer per-assignment insurance (workers' compensation, general liability, and more) to independent contractors on your marketplace. Coverage is issued in each contractor's own name and binds through a single API.\"},{question:\"How does embedded contractor insurance help us win enterprise clients?\",answer:\"Enterprise buyers often require contractors to carry their own coverage. Embedded insurance turns previously ineligible contractors into placeable contractors and removes a common blocker to closing enterprise accounts.\"},{question:\"Who is the named insured, the platform or the contractor?\",answer:\"The contractor, always. Their name is on the certificate of insurance and the carrier holds the policy in their name.\"},{question:\"Which coverages can we offer through the API?\",answer:\"Workers' compensation, general liability, professional liability, media liability, and cyber liability, priced per assignment based on job type, wage, and duration.\"},{question:\"How fast does coverage bind?\",answer:\"Milliseconds after a contractor opts in for the first time. Coverage can be effectuated instantly, including single-day episodic policies.\"},{question:\"Do we have to build a full API integration to start?\",answer:\"No. You can begin from the 1099Policy dashboard, test the flow, and graduate to the full API and webhook integration when ready.\"},{question:\"Which states is workers' compensation available in?\",answer:\"Full statutory workers' comp is available in 46 states plus DC. North Dakota, Ohio, Washington, and Wyoming are monopolistic state-fund jurisdictions.\"}];const fractionalItems=[{question:\"Do contractors have to re-apply for every assignment?\",answer:\"No. A contractor enrolls once, then every assignment they take can bind through the Assignments API without another form or application.\"},{question:\"How does premium reconciliation work?\",answer:\"Premium is rated against the contractor's gross pay for the assignment. When the assignment closes, the record reconciles against actual pay instead of an annual estimate.\"},{question:\"How is Media Liability priced differently?\",answer:\"Media Liability follows the production schedule, so it is priced per shoot day. Other supported lines remain pay-based.\"},{question:\"What happens if an assignment is cancelled?\",answer:\"If cancellation happens before the effective date, the assignment voids and no premium is charged. After the effective date, partial premium can apply based on the work performed.\"},{question:\"What does the COI look like?\",answer:\"It is a standard ACORD certificate with the contractor as named insured, the customer-of-record as additional insured, and a coverage window that matches the assignment.\"}];const mcpItems=[{question:\"Which MCP clients does it work with?\",answer:\"Any MCP-compatible client, including Claude Desktop, Claude Code, Cursor, VS Code, ChatGPT, Continue, Cline, Zed, and local agent hosts. The same URL works everywhere.\"},{question:\"What tools are exposed today?\",answer:\"Coverage checks, contractor and job management, quotes, assignment bind / extend / cancel, certificate retrieval and COI review, enrollment links, invoices, and the account audit trail — every tool with typed schemas.\"},{question:\"How do tokens and authentication work?\",answer:\"Signing in through OAuth grants read-only access, and your client registers itself automatically — no key to create or paste. For headless agents, present a 1099Policy API key as a bearer token, created in the dashboard under Developers → API keys.\"},{question:\"Can my agent actually bind real coverage?\",answer:\"Only with a write-scoped API key. OAuth sign-ins and read-only keys can verify and inspect coverage without changing anything.\"},{question:\"Where can I find the spec and source?\",answer:\"The setup guide and tool reference live in the 1099Policy docs.\"}];const coiItems=[{question:\"What ACORD versions do you support?\",answer:\"ACORD 25, 27, 28, 30, plus broker-custom variants that follow common certificate layouts.\"},{question:\"How does the requirements builder work?\",answer:\"You define required lines, limits, additional insured wording, waivers, and vendor classes once, then score every incoming COI against those rules.\"},{question:\"Can we integrate with our vendor management system?\",answer:\"Yes. Submit COIs by API, upload widget, email forwarding, or webhook-driven workflows.\"},{question:\"What about non-ACORD COIs?\",answer:\"The parser can extract many non-standard certificates, then flag fields that need review when confidence is low.\"},{question:\"How are renewal alerts delivered?\",answer:\"Alerts can go to Slack, email, webhook, or downstream vendor management systems.\"}];const coiTrackingItems=[{question:\"What's the difference between COI tracking and COI Review?\",answer:\"COI Review is the product that parses and validates an individual certificate. COI tracking is the ongoing program around your whole roster: collecting, validating, monitoring expirations, and proving compliance over time. What makes it different on 1099Policy is that we can also issue the coverage, so part of the roster never needs a certificate chased at all.\"},{question:\"Can I track certificates from vendors I don't insure through 1099Policy?\",answer:\"Yes. That's the collect-and-validate half. Forward any vendor's ACORD certificate and it's parsed, checked against your requirements, filed, and watched for expiration, whether or not the coverage came from us.\"},{question:\"What about a vendor or contractor who can't produce a COI?\",answer:\"That's the gap a spreadsheet can't close. Instead of chasing a certificate that may never come, have the contractor enroll in coverage in their own name through 1099Policy. The certificate then issues automatically with your entity as additional insured, so the empty row becomes compliant and stays current on its own.\"},{question:\"How do I get notified before a certificate expires?\",answer:\"Every collected certificate is monitored by its expiration date and surfaced ahead of the lapse, so you can request a renewal while there's still time, not during an audit or after an incident.\"},{question:\"Do the certificates issued through 1099Policy need tracking?\",answer:\"No. Issued certificates are generated per engagement with your entity as additional insured and a window that matches the work. They don't lapse mid-engagement and there's nothing to chase, which is what shrinks the tracking burden as you move more of the roster onto issued coverage.\"},{question:\"Can I prove COI compliance during an audit?\",answer:\"Yes. Every certificate, validation result, and requirement is archived and exportable. When a client, insurer, or auditor asks you to prove the roster was compliant, you export the record instead of reassembling it from email.\"},{question:\"What insurance should we require from a contractor before work starts?\",answer:\"Set the requirement per engagement, not per roster. General liability is the baseline most contracts expect. Add workers' comp where an uninsured injury would land on your policy or your premium audit, and professional or cyber lines where the deliverable or data access warrants them. The requirements builder stores those rules by vendor class, so every incoming certificate is scored against the requirement you actually set.\"},{question:\"How do we request a certificate of insurance from a vendor?\",answer:\"Ask for an ACORD 25 issued by the vendor's broker, with your entity named as certificate holder and, where the contract calls for it, as additional insured. On 1099Policy the request is a link: the vendor forwards the certificate, it's parsed and checked against your requirements on arrival, and a vendor who can't produce one can enroll in coverage in their own name instead.\"},{question:\"Who should be the certificate holder on a vendor's COI?\",answer:\"Your organization, as the party requiring the proof. The certificate holder box records who the certificate was issued to; it doesn't extend any coverage. Protection under the vendor's policy comes from additional insured status, which is why validation checks the additional insured wording too, rather than treating a certificate with your name on it as done.\"},{question:\"Where does the additional insured appear on a COI?\",answer:\"On an ACORD 25, additional insured status shows as a checked box on the liability line plus wording in the Description of Operations section naming your entity. The certificate holder box at the bottom is not the same thing. Manual reviews conflate the two constantly, so the parser reads the description wording, not just the checkbox, before a certificate counts as compliant.\"}];const auditPrepItems=[{question:\"What triggers a workers' comp premium audit?\",answer:\"Nearly every workers' compensation policy is auditable. At the end of the term the carrier reviews your actual payroll and payments to subcontractors and 1099 contractors to true up premium. Payments to anyone who can't prove their own coverage are typically added to your audited exposure.\"},{question:\"Will my 1099 contractors show up on my audit?\",answer:\"If a contractor can't produce a valid certificate showing their own workers' comp, the auditor generally treats their pay as your exposure and charges premium on it at your governing class code.\"},{question:\"What documentation does an auditor actually want?\",answer:\"Certificates of insurance for every subcontractor and 1099 you paid during the term, plus the amounts paid and the work performed. 1099Policy keeps every policy and ACORD 25 certificate on file alongside what you paid each contractor.\"},{question:\"Does 1099Policy cover workers' comp in every state?\",answer:\"We write statutory workers' comp in 46 states plus DC. North Dakota, Ohio, Washington, and Wyoming are monopolistic states where coverage is available only through the state fund.\"},{question:\"What if a contractor brought their own insurance?\",answer:\"Collect their certificate and run it through COI Review. It parses the ACORD 25, checks limits and dates against your requirements, and flags anything missing or expired.\"},{question:\"How far back can I pull records?\",answer:\"Records are retained indefinitely. When an audit covers a prior period, export every contractor you paid, the amount paid, and their certificate for that window.\"}];const partnerItems=[{question:\"What does it cost to join the program?\",answer:\"Nothing. Joining the partner program is free. You sign a simple agreement, complete a short onboarding, and receive your resource kit. If you choose to refer clients, we offer compensation and collaboration arrangements that we walk through with you directly.\"},{question:\"Is there compensation for referrals?\",answer:\"Yes. We offer both referral and deeper collaboration arrangements for partners. We keep the specific commercial terms off this page, since partners and their clients both view it, and walk you through them privately once we connect.\"},{question:\"Do I have to refer clients to get value from the program?\",answer:\"No. Many partners join primarily for the resources, briefings, and partner community, to stay sharp on contractor compliance for their own advisory work. Referrals are an option, not an obligation. Recommend 1099Policy only where it genuinely aligns with a client's needs.\"},{question:\"Who owns the client relationship?\",answer:\"You do, always. The program is designed to make you more valuable to your clients, not to step between you and them. You decide when and whether to introduce us, and you stay the advisor of record.\"},{question:\"I'm an attorney. How should I handle disclosure?\",answer:\"Referral compensation and any disclosures are entirely yours to manage in line with your professional and ethical obligations. We keep the program structure transparent so you have everything you need to make those calls, and we'll leave the specifics to your own judgment and your firm's.\"},{question:\"What are the expectations of partners?\",answer:\"Three simple things: stay informed on key insurance-compliance trends, recommend 1099Policy where it aligns with your clients' needs, and share candid feedback so we can keep improving. The goal is to make the partnership genuinely useful for your practice.\"}];const eorAlternativeItems=[{question:\"What is an EOR alternative?\",answer:\"An EOR alternative is any approach that gives you the compliance outcomes of an employer of record, coverage, audit trail, and risk transfer, without converting contractors into W-2 employees. 1099Policy does this with per-assignment insurance issued in the contractor's own name, plus continuous compliance tracking.\"},{question:\"How much does an employer of record cost?\",answer:\"Most EORs charge a flat monthly fee per worker, typically a few hundred dollars, or a percentage of the worker's pay, on top of payroll taxes and statutory benefits. For US-based independent contractors, that stack often costs more per month than per-assignment insurance costs for a quarter.\"},{question:\"EOR vs. 1099: which is right for my workforce?\",answer:\"Use an EOR when you need to employ someone, such as cross-border hires or roles that fail contractor tests. Keep workers 1099 when they're genuinely independent. The deciding question isn't cost, it's whether the working relationship is actually employment.\"},{question:\"Does keeping contractors 1099 expose us to misclassification risk?\",answer:\"Classification depends on the working relationship, not on which vendor you use. What we add is proof: coverage in each contractor's own name, with every policy and COI documented for audit. In some states that documentation also counts as one signal among many in a classification analysis. It never settles the question.\"},{question:\"Do you need workers' comp for 1099 contractors in New Jersey?\",answer:\"New Jersey doesn't make you carry workers' comp for a genuinely independent contractor, but its ABC test is one of the strictest in the country, and under N.J.A.C. 12:11, operative October 1, 2026, insurance a hiring organization required or encouraged no longer counts as evidence of independence under Prong C. Coverage a contractor carries in their own name still does what it always did: it keeps their injuries off your policy and their pay off your premium audit.\",linkLabel:\"Read the New Jersey guide →\",linkHref:\"/guides/new-jersey\"},{question:\"Can we switch off an EOR without disrupting contractors?\",answer:\"Yes. Contractors come off the EOR's W-2 payroll and back onto your 1099 workflow. Coverage binds per assignment through the API or dashboard, and certificates issue before the next engagement starts, so there's no coverage gap and nobody is re-onboarded as someone else's employee.\"},{question:\"What does 1099Policy cover that an EOR would have handled?\",answer:\"Workers' compensation, general liability, and specialty lines including professional, media, and cyber, issued per assignment. Workers' comp is available in 46 states plus DC. North Dakota, Ohio, Washington, and Wyoming are monopolistic states where coverage comes from the state fund.\"}];const generalLiabilityItems=[{question:\"Do independent contractors need liability insurance?\",answer:\"Usually the requirement comes from the people hiring them. Clients, venues, property managers, and platforms typically ask for proof of general liability before work starts, and many contracts make it a condition of the engagement. There's also a practical reason for the hiring organization to care: if a contractor damages a client's property or injures a bystander and carries no coverage of their own, the claim tends to land on whoever does have a policy.\"},{question:\"Does my business insurance cover independent contractors?\",answer:\"Generally not the way people assume. Your commercial general liability policy is written around your own operations and employees. Independent contractors are usually excluded or treated as a separate exposure, and some policies specifically carve out work performed by uninsured subcontractors. That's why most hiring organizations require contractors to carry coverage in their own name rather than relying on their own policy to stretch.\"},{question:\"What does general liability actually cover for a 1099 contractor?\",answer:\"Third-party bodily injury, third-party property damage, and the legal defense costs that come with either. It does not cover the contractor's own injuries, which is what workers' compensation is for, and it does not cover mistakes in their professional work, which is what professional liability (E&O) handles. Those are three separate lines, and a contractor may need more than one depending on the work.\"},{question:\"How much is liability insurance for independent contractors?\",answer:\"It depends on the work: the scope of the engagement, how long it runs, and the risk class of the job. Annual policies charge the same premium whether the contractor works twelve months or two, which is why per-assignment pricing exists. Coverage is priced against the actual engagement, so short, low-risk work is priced accordingly.\"},{question:\"How fast can a contractor show proof of coverage?\",answer:\"Coverage binds in under a minute once the contractor has opted in, and the certificate is issued as an instant PDF naming the client, venue, or platform as additional insured where required. It can be pulled through the API or the dashboard, so the certificate is in hand before the first day of work rather than chased afterward.\"},{question:\"Which states is general liability available in?\",answer:\"49 states plus DC. Hawaii is the one state where general liability is not currently available. Everywhere else binds per job through the same API. (Workers' compensation has a different footprint: 46 states plus DC, because North Dakota, Ohio, Washington, and Wyoming run monopolistic state funds.)\"}];// /compare/deel FAQ, revised per the Aug 2026 legal/accuracy review. Scoped to\n// Deel's standard Contractor plan (not Deel as a whole), acknowledges Deel's\n// COI administration and partner insurance access, uses published STARTING\n// prices, narrows CoR/EOR liability language, and avoids universal legal\n// claims about required coverage. Re-verify Deel prices before editing.\nconst deelComparisonItems=[{question:\"Does Deel's standard Contractor plan include assignment-specific workers' comp or liability coverage?\",answer:\"Deel's published $49 Contractor plan includes contractor management, payments, invoicing, tax-document support, and classification tools. Deel also says it can administer insurance requirements and COIs, and it offers access to insurance through other products and partners. What the standard plan does not list is automatic, assignment-specific workers' comp or liability coverage issued in each direct contractor's name. That is the gap 1099Policy is designed to address.\"},{question:\"What does Deel cost compared to 1099Policy?\",answer:\"Deel's published starting prices as of August 2026: contractor management at $49 per contractor per month, Contractor of Record at $325 per contractor per month plus a deposit equal to one month of the contractor's payment, US PEO at $125 per employee per month, and EOR at $599 per employee per month. Enterprise agreements and negotiated terms can change the actual cost, and US PEO is a co-employment product for W-2 employees rather than insurance for direct 1099 contractors. The two don't compare line for line: Deel's prices are per seat per month, while 1099Policy has two costs that sit with different parties. The contractor pays the premium as the named insured, carrier-rated against the engagement; workers' comp and the liability lines are rated by state, class code, and compensation, and Media and Cyber are flat per-day. Platform access is your cost, sized to your program and quoted at setup. One customer, a national talent firm, saved about $103,000 in a year versus the EOR route for its uninsured-contractor population.\"},{question:\"Can we use Deel and 1099Policy together?\",answer:\"Yes, and many teams should. Deel keeps contracts, invoices, and global payouts; for eligible, approved contractors, 1099Policy binds coverage per assignment and issues the COI before work starts. The Deel guide in our vendor guides shows how Deel contract webhooks can trigger coverage automatically through our API.\"},{question:\"Do we need Deel's CoR or EOR just to get contractors insured?\",answer:\"Not if the contractor is properly classified. CoR shifts defined classification-related risk to Deel, subject to eligibility and contract terms, and EOR makes Deel the legal employer; neither arrangement transfers every operational, worksite, or third-party liability, and both restructure the working relationship. Those products matter when a role fails classification tests or sits in a country where you have no entity. If the narrower problem is missing contractor-held insurance and audit-ready proof of it, per-assignment coverage addresses that requirement without changing the engagement model. Insurance does not change the worker's classification; insurance and classification are separate questions.\"},{question:\"What coverage does a US 1099 contractor actually need?\",answer:\"It depends on the work, the state, the contractor's business structure, and the client or worksite agreement. Common contractual requirements include general liability and, for some assignments, workers' compensation or other work-injury coverage. The hiring organization should set the requirement for the assignment and verify the coverage before work begins. 1099Policy writes each line per assignment in the contractor's own name, subject to underwriting, eligibility, and state availability: workers' comp is available in 46 states (North Dakota, Ohio, Washington, and Wyoming run monopolistic state funds), and construction trades aren't covered.\"}];// /compare/mycoi FAQ, matching the Aug 2026 approved page copy. myCOI details\n// are scoped to what the company publishes (rebranded platform to illumend in\n// 2025; pricing not published, quoted by contract volume). Never invent myCOI\n// prices. Re-verify their published claims before editing.\nconst mycoiComparisonItems=[{question:\"Is 1099Policy a myCOI alternative?\",answer:\"It depends on your problem. If your contractors already carry insurance and you just need the certificates collected and checked, myCOI does that well. If many of your contractors show up uninsured, 1099Policy checks the certificates that exist and covers the eligible contractors who need it.\"},{question:\"Does myCOI provide insurance?\",answer:\"No. myCOI (now called illumend) is compliance software and services; contractors get their own policies. 1099Policy provides workers' comp, general liability, and specialty coverage per assignment, in the contractor's own name, for eligible contractors.\"},{question:\"What does myCOI $0cost compared to 1099Policy?\",answer:\"myCOI doesn't publish prices; plans are quoted by contract volume. 1099Policy has two costs, and they sit with different parties. The contractor pays the premium as the named insured, carrier-rated against the engagement: workers' comp and the liability lines by state, class code, and compensation, with Media and Cyber at a flat per-day rate. Platform access is your cost, sized to your program and quoted at setup.\"},{question:\"Can we use both?\",answer:\"Yes. Some teams keep a tracker for vendors who carry annual policies and use 1099Policy for the contractor workforce, where missing coverage is common and start dates are tight.\"},{question:\"What insurance does a US 1099 contractor need?\",answer:\"It depends on the work, the state, and what your client or worksite agreement requires. General liability is the most common requirement; some assignments also require workers' comp. Workers' comp through 1099Policy is available in 46 states (not North Dakota, Ohio, Washington, or Wyoming, which run state funds), and construction trades are not covered.\"}];// /guides/new-jersey FAQ, matching the approved Aug 2026 staging page. Copy\n// posture: audit-defense framing only; never say coverage protects or supports\n// classification in NJ. Citations verified against the adopted text\n// (58 N.J.R. 1587(a)); re-verify against the codified rule before editing.\nconst njAbcTestItems=[{question:\"Does requiring contractors to carry insurance hurt their classification in New Jersey?\",answer:\"No. From October 1, 2026, coverage you require or encourage carries no weight as evidence of independence under Prong C, but the rule does not treat it as evidence against independence either. The adverse inference in N.J.A.C. 12:11 attaches to a required business entity, not to required insurance.\"},{question:\"Does the rule change anything about workers' comp claims or premium audits?\",answer:\"No. New Jersey decides employee status in a workers' comp claim under the control test and the relative-nature-of-the-work test, not the ABC test, and a premium audit is a matter under your policy with your carrier. Contractor-carried workers' comp with certificates on file does the same audit work it did before.\"},{question:\"Does this only matter for unemployment audits?\",answer:\"No. The rule applies to every New Jersey statute that uses the ABC test to decide contractor status, among them unemployment compensation, temporary disability, wage payment, wage and hour, earned sick leave, and the Call Center Jobs Act. The rule states that this list is not exhaustive.\"},{question:\"What about coverage a contractor already had before we engaged them?\",answer:\"The rule neutralizes insurance the hiring organization required or encouraged. Coverage a contractor carried on their own, before you asked, is a different fact. Record the prior carrier and original effective date at onboarding so that distinction is documented. How much weight it carries is a question for your counsel.\"},{question:\"Does this affect engagements outside New Jersey?\",answer:\"Not this rule. In most states, coverage in the contractor's own name is at most one supporting signal among many in a classification analysis.\"},{question:\"What is the citation?\",answer:\"N.J.A.C. 12:11, adopted June 1, 2026, operative October 1, 2026. The insurance provision is N.J.A.C. 12:11-1.5(g); the business-registration provision is 12:11-1.5(f); the Prong C factors, with the durability of the contractor's business listed first, are at 12:11-1.5(b). The scope provision is 12:11-1.1(b).\"}];// /guides/requiring-insurance-from-contractors FAQ, matching the approved\n// Aug 2026 staging page (post de-slop + coverage-language pass: \"enroll\" not\n// \"cover\", contractor buys their own coverage, 1099Policy is the licensed\n// provider).\nconst marketplaceGuideItems=[{question:\"Can a marketplace require independent contractors to carry insurance?\",answer:'Yes. Requiring coverage as a condition of using the platform is standard practice and is how most customer-facing marketplaces back the \"insured professionals\" promise they make to customers. Write it as a condition of activation, specify lines and limits by category, and enforce it with a status check before work is released.'},{question:\"What insurance should a marketplace require from contractors?\",answer:\"It depends on the work. Workers' compensation for physical work, general liability for work in a customer's home or premises, professional liability for advice or deliverable-based work, media liability for creators, cyber where contractors touch customer data. Set the requirement per category of work, with limits, and base it on the state where the work is performed.\"},{question:\"What do we do when a contractor doesn't have insurance and can't get it?\",answer:\"Build the second path into onboarding. Through 1099Policy, coverage is issued to the contractor in their own name inside your flow: a short application, a quote priced to the engagement, and a bound policy with a certificate, typically in under a minute. 1099Policy is the licensed provider; the platform embeds the step. The contractor ends up in the same status as one who brought their own certificate.\"},{question:\"Should we just add contractors to our own policy instead?\",answer:\"Coverage in the contractor's own name keeps claims, certificates, and policy administration on the contractor's policy rather than the platform's, and it is what lets you answer the premium-audit question cleanly. Whether any platform-level coverage also makes sense for your model is a question for your broker; it isn't a substitute for the contractor's own coverage.\"},{question:\"How do we verify a certificate of insurance at scale?\",answer:\"Parse it rather than eyeball it. Check the named insured against the applicant, the dates against the activation period, the limits against your category minimums, and the additional-insured and certificate-holder fields against your requirement. COI Review does this automatically for ACORD certificates and routes only the exceptions to a person.\"},{question:\"Does requiring insurance affect whether our contractors are independent?\",answer:\"Treat it as an insurance question, not a classification one. In most states coverage in the contractor's own name is at most one supporting signal among many, and classification turns on the whole relationship under the applicable test. In New Jersey, from October 1, 2026, coverage a platform requires or encourages carries no weight as evidence of independence, though it isn't held against you. Work with your counsel on classification.\"},{question:\"Which contractors can get coverage through 1099Policy?\",answer:\"Independent contractors across service, creative, professional, healthcare, and field-service categories, per engagement, with workers' compensation available in 46 states (the four monopolistic-fund states issue their own). Construction trades are outside the program. Coverage is backed by a Fortune 500 carrier and issued in the contractor's name.\"}];// /guides/agent-of-record-for-freelancers FAQ, matching the approved Aug 2026\n// staging page (post de-slop + coverage-language pass: the freelancer buys\n// their own coverage, placed through 1099Policy).\nconst aorGuideItems=[{question:\"How do companies use an agent of record to pay freelancers?\",answer:\"The company scopes and directs the work; the agent of record signs the contractor agreement, onboards the freelancer, pays them by direct deposit against one consolidated invoice to the company, and files the 1099-NEC at year end. The freelancer stays an independent contractor throughout. The company sees one vendor and one invoice instead of a separate contractor relationship for every freelancer.\"},{question:\"What is the difference between an agent of record and an employer of record?\",answer:\"An employer of record becomes the worker's legal employer: the worker goes on the EOR's payroll as a W-2 employee, with payroll taxes and employment cost attached, and the company is billed a flat monthly amount per worker. An agent of record leaves the worker independent and takes on the contracting, payment, and compliance layer instead, usually for a percentage of what the contractor is paid on each engagement.\"},{question:\"Is an agent of record the same as a contractor of record?\",answer:\"In practice, yes. Contractor of record (COR) is the newer label and agent of record is the established one; vendors use them more or less interchangeably for the same arrangement.\"},{question:\"Does an agent of record decide whether a worker is a contractor?\",answer:\"Most don't. The common model is that the company decides the worker is a contractor and the AOR administers on that basis, which leaves the decision and the exposure with the company. 1099Policy's agent of record makes the determination itself, scored against federal and state indicia, reviewed and signed by a compliance specialist, and delivered as a versioned defense file.\"},{question:\"Does using an agent of record eliminate misclassification risk?\",answer:\"No. Classification is decided on how the work is actually performed, and moving the contract to a third party doesn't change those facts. What an AOR can do is make the determination deliberately rather than by default, document the reasoning at the time the decision was made, and stand behind it.\"},{question:\"Does an agent of record provide insurance for the freelancer?\",answer:\"Most don't; they handle contract, payment, and filing and leave insurance to the freelancer. Through 1099Policy's agent of record, the freelancer buys workers' compensation, general liability, professional liability, and media liability in their own name, per engagement, placed through 1099Policy, with the certificate on file before work starts. It does not provide health, dental, or life benefits; those are employment benefits, and an AOR is not an employer.\"},{question:\"What does an agent of record cost?\",answer:\"Typically a percentage of the contractor's remuneration on each engagement, so the cost scales with the work. An EOR by contrast charges a flat monthly amount for each worker on its payroll on top of payroll taxes and employment overhead, whether the person worked five hours in the month or two hundred.\"}];const presetMap={creator:creatorItems,healthcare:healthcareItems,dispatchRepair:dispatchRepairItems,liveEvents:liveEventsItems,laborPlatform:laborPlatformItems,fractional:fractionalItems,mcp:mcpItems,coi:coiItems,auditPrep:auditPrepItems,partner:partnerItems,eorAlternative:eorAlternativeItems,generalLiability:generalLiabilityItems,deelComparison:deelComparisonItems,mycoiComparison:mycoiComparisonItems,njAbcTest:njAbcTestItems,marketplaceGuide:marketplaceGuideItems,aorGuide:aorGuideItems};const defaultItems=creatorItems;// Returns a specific preset when the title clearly maps to one, otherwise null\n// (an \"unknown/fallback\" page). Matched presets are authoritative — they override\n// any stale `items` array baked onto an instance. When the title doesn't map to a\n// specific preset, code-passed custom `items` (e.g. from a wrapper component) win.\nfunction autoMatchedPreset(title){if(/new jersey|njac|n\\.j\\.a\\.c/i.test(title))return njAbcTestItems;if(/marketplace operator|requiring insurance/i.test(title))return marketplaceGuideItems;if(/agent of record|\\baor\\b/i.test(title))return aorGuideItems;if(/mycoi|my coi|illumend/i.test(title))return mycoiComparisonItems;if(/\\bdeel\\b/i.test(title))return deelComparisonItems;if(/\\beor\\b|employer of record/i.test(title))return eorAlternativeItems;if(/general liability/i.test(title))return generalLiabilityItems;if(/coi tracking/i.test(title))return coiTrackingItems;if(/fwa|fashion|modeling/i.test(title))return fashionItems;if(/procurement|consult|\\bmsa\\b|\\bsow\\b/i.test(title))return itConsultingItems;if(/production compan|vendor on 1099|post.?production|\\bfilm\\b/i.test(title))return filmProductionItems;if(/audit|workers.?comp/i.test(title))return auditPrepItems;if(/coi|certificate/i.test(title))return coiItems;if(/mcp|agent/i.test(title))return mcpItems;if(/fractional|assignment/i.test(title))return fractionalItems;if(/platform|marketplace|labor/i.test(title))return laborPlatformItems;if(/live|event|producer|venue|tour|show/i.test(title))return liveEventsItems;if(/dispatch|repair|field.?service|tech|property/i.test(title))return dispatchRepairItems;if(/healthcare|clinician|allied|staffing/i.test(title))return healthcareItems;if(/creator|influencer/i.test(title))return creatorItems;return null;}function useMeasuredWidth(width){const ref=React.useRef(null);const[measuredWidth,setMeasuredWidth]=React.useState(Number.isFinite(width)?Math.max(320,width):1200);React.useEffect(()=>{const node=ref.current;if(!node)return;const update=()=>setMeasuredWidth(Math.max(320,Math.round(node.clientWidth||node.offsetWidth||width||1200)));update();if(typeof ResizeObserver!==\"undefined\"){const observer=new ResizeObserver(update);observer.observe(node);return()=>observer.disconnect();}window.addEventListener(\"resize\",update);return()=>window.removeEventListener(\"resize\",update);},[width]);return{ref,measuredWidth};}function getClipPath(showTopAngle,showBottomAngle,slope){if(showTopAngle&&showBottomAngle)return`polygon(0 ${slope}px, 100% 0, 100% calc(100% - ${slope}px), 0 100%)`;if(showTopAngle)return`polygon(0 ${slope}px, 100% 0, 100% 100%, 0 100%)`;if(showBottomAngle)return`polygon(0 0, 100% 0, 100% calc(100% - ${slope}px), 0 100%)`;return\"none\";}// Emits FAQPage structured data matching the visible accordion copy.\n//\n// DEFAULT IS OFF, deliberately. Most v2 pages already carry a hand-rolled\n// FAQPage block injected through Framer's per-page custom code (it renders as a\n// direct child of <body>, so it is invisible from component source). Turning this\n// on by default produced duplicate FAQPage on 14 pages. Only enable it on a page\n// that has NO custom-code FAQ block — currently /use-cases/eor-alternative,\n// /products/general-liability-insurance, /compare/deel, /compare/mycoi,\n// /guides/new-jersey, /guides/requiring-insurance-from-contractors, and\n// /guides/agent-of-record-for-freelancers, whose instances set it explicitly.\n// Before enabling anywhere else, check that page's live HTML for an existing\n// application/ld+json FAQPage.\nfunction faqStructuredData(items){return JSON.stringify({\"@context\":\"https://schema.org\",\"@type\":\"FAQPage\",mainEntity:items.map(item=>({\"@type\":\"Question\",name:item.question,acceptedAnswer:{\"@type\":\"Answer\",text:item.answer}}))});}function FAQRow({item,index,open,onToggle,theme,charcoal}){const isDark=theme===\"dark\";const panelId=`vertical-faq-panel-${index}`;const buttonId=`vertical-faq-button-${index}`;return /*#__PURE__*/_jsxs(\"div\",{style:{position:\"relative\",padding:\"0 24px\",borderTop:index===0||open?\"1px solid 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companies ask first.\",description=\"Technical guidance on labor classification, regional compliance, and risk-shield protocols.\",initialOpenIndex=0,allowCollapse=false,emitStructuredData=false,items=defaultItems,trustItems=false,width}=props;const{ref,measuredWidth}=useMeasuredWidth(width);const isPhone=measuredWidth<=640;const isTablet=measuredWidth>640&&measuredWidth<=980;const topAngleHeight=showTopAngle?isPhone?56:82:0;const bottomAngleHeight=showBottomAngle?isPhone?56:82:0;// Matched preset is authoritative (overrides stale baked instance arrays);\n// for unknown/fallback titles, honor code-passed custom items, else creator.\n// trustItems is code-only (deliberately NOT a Framer property control): a\n// wrapper that passes its own items sets it to skip title auto-matching.\n// Page instances cannot set it, so stale baked instance arrays are still\n// overridden by a matched preset.\nconst ownItems=items&&items.length?items:null;const matched=contentPreset!==\"auto\"?presetMap[contentPreset]:trustItems&&ownItems?null:autoMatchedPreset(title);const safeItems=matched?matched:ownItems?ownItems:creatorItems;const boundedInitialIndex=Math.min(Math.max(Math.round(initialOpenIndex||0),0),Math.max(safeItems.length-1,0));const[openIndex,setOpenIndex]=React.useState(boundedInitialIndex);React.useEffect(()=>setOpenIndex(boundedInitialIndex),[boundedInitialIndex]);const isDark=theme===\"dark\";const charcoal=\"#24322D\";const text=isDark?\"#FFFFFF\":\"#0F1210\";const secondary=isDark?\"rgba(255,255,255,.65)\":\"rgba(15,18,16,.62)\";const background=isDark?\"#071016\":\"#FFFFFF\";const paddingTop=(isPhone?88:120)+topAngleHeight;const paddingBottom=(isPhone?88:120)+bottomAngleHeight;const backgroundClipPath=getClipPath(showTopAngle,showBottomAngle,Math.max(topAngleHeight,bottomAngleHeight));return 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protocols.\",initialOpenIndex:0,allowCollapse:false,emitStructuredData:false,items:defaultItems,width:1200};addPropertyControls(VerticalFAQSection,{theme:{type:ControlType.Enum,title:\"Theme\",options:[\"light\",\"dark\"],optionTitles:[\"Light\",\"Dark\"]},contentPreset:{type:ControlType.Enum,title:\"Content\",options:[\"auto\",\"creator\",\"healthcare\",\"dispatchRepair\",\"liveEvents\",\"laborPlatform\",\"fractional\",\"mcp\",\"coi\",\"auditPrep\",\"partner\",\"eorAlternative\",\"generalLiability\",\"deelComparison\",\"mycoiComparison\",\"njAbcTest\",\"marketplaceGuide\",\"aorGuide\"],optionTitles:[\"Auto\",\"Creator\",\"Allied Healthcare\",\"Dispatched Repair\",\"Live Events\",\"Labor Platform\",\"Fractional\",\"MCP\",\"COI\",\"Audit Prep\",\"Partner\",\"EOR Alternative\",\"General Liability\",\"Deel Comparison\",\"myCOI Comparison\",\"New Jersey ABC Test\",\"Marketplace Guide\",\"AOR Guide\"]},showTopAngle:{type:ControlType.Boolean,title:\"Top 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