{"version":3,"file":"VerticalFAQSection.ocBQQQLa.mjs","names":["React.useRef","React.useState"],"sources":["https:/framerusercontent.com/modules/11QeCwR7BlddY6Y2brNr/7zwN4CxISLjXnOgDr7cs/VerticalFAQSection.js"],"sourcesContent":["import{jsx as _jsx,jsxs as _jsxs}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.\"},{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 an injury with their policy and is one supporting signal that they're genuinely independent. It's not a substitute for the full classification test, but it closes the gap that would otherwise land on the production.\"},{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 supports independent-contractor status rather than undermining it.\"},{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 an injury with their policy and is one supporting signal of genuine independence. It's not a substitute for the full classification test, but it closes the gap that would otherwise land on the agency.\"},{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 supports independent-contractor status rather than undermining it.\"},{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 supporting signal of an independently established business. It's not proof of IC status on its own, but it clears a common procurement blocker.\"},{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 supports independent-contractor posture rather than undermining it.\"},{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 supporting signal, not 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.\"}];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 1099Policy adds is evidence of independence: contractors carrying their own coverage, in their own name, is one supporting signal of contractor status, and every policy and COI is documented for audit.\"},{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. 1099Policy prices insurance per assignment as a small percentage of the contractor's compensation, plus a platform fee that is a fraction of a percent of spend routed through the platform. 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.\"}];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};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. 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