Get Covered in Minutes, Pay As You Earn
As a 1099 contractor, traditional insurance is a nightmare—complex applications, huge upfront payments, and lost contracts while you wait for coverage. We've changed that.
Wingspan now provides integrated insurance products designed specifically for independent contractors. No waiting. Just instant coverage that moves with your business.
Two Essential Policies:
- Occupational Accident Insurance (OAI) - Medical coverage and income protection for on-the-job injuries
- Professional & General Liability (PL/GL) - Protection against claims of professional errors and third-party damages
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Occupational Accident Insurance (OAI)
Your Safety Net for On-the-Job Accidents
What You're Covered For
When you're injured in a work-related accident, OAI provides:
Medical Coverage
- Up to $1,000,000 per accident
- $0 deductible
- Coverage for 104 weeks from accident date
Income Protection
- Temporary disability: 70% of your average weekly earnings (up to $500/week) for up to 104 weeks
- Continuous disability: Up to $200,000 total if permanently disabled
- 7-day waiting period before benefits begin
Additional Benefits
- Accidental death: $50,000
- Survivor's benefit: Up to $200,000
- Dismemberment & paralysis: Up to $250,000
Who Can Enroll
Currently available for contractors in:
- Driving & Delivery: Operating a motor vehicle to transport goods, materials, or people
- Auto Detailing: Performing cleaning, washing, polishing, or restoration services on the interior or exterior of vehicles
- Claims Inspection: Inspecting and assessing damage to property or vehicles to report on a claim
- Professional & Administrative Services: Providing technical, creative, administrative, or other professional support services (e.g., development, design, data management, contact center work)
Cost: 3% Pay-As-You-Go
- Automatically deducted from your Wingspan payments
- No upfront costs
Key Exclusions
- NOT Workers' Compensation - May not substitute where Workers' Comp is legally required
- Covers accidents only, not illness or disease
- No coverage for travel to/from work
- No coverage for property damage
- Pre-existing conditions excluded
Professional & General Liability Insurance (PL/GL)
Protect Your Work & Reputation
What You're Covered For
Professional Liability (Errors & Omissions)
- $1,000,000 per claim / $2,000,000 aggregate
- Covers claims of professional mistakes or negligence
- Additional coverage for TCPA and FCRA violations
- Legal fee reimbursement for disciplinary proceedings
General Liability
- $1,000,000 per occurrence / $2,000,000 aggregate
- Third-party bodily injury and property damage
- $25,000 damage to rented premises
- $2,500 medical expense per person
Who Can Enroll
Currently available for: Independent Claims Adjusters (More professions coming soon)
Cost: $80/Month Fixed
- One-time $50 initiation fee
- Collected monthly in advance
- Deducted from Wingspan earnings (or payment method on file if insufficient earnings)
- Option to pause payments for up to 6 months
Key Exclusions
- Claims-made policy - must be reported during policy period
- Personal & advertising injury excluded
- No coverage for asbestos, pollution, or communicable disease claims
- Data privacy violations (BIPA, CCPA, GDPR) excluded except TCPA/FCRA
Why Wingspan Insurance?
1. Instant Coverage
Enroll in minutes, coverage starts immediately. No brokers, no waiting.
2. Smart Payment Options
- OAI: Pay only when you earn (3% of payments)
- PL/GL: Predictable $80 monthly premium
- All premiums auto-deducted from your Wingspan earnings
3. Win More Contracts
Meet client insurance requirements instantly. Download proof of insurance immediately after enrollment.
4. Everything in One Place
View policies, download documents, and manage coverage—all in your Wingspan dashboard.
5. Built for Contractors
Not generic business insurance—these policies address the specific risks you face as a 1099 contractor.
Ready to Protect Your Business?
Get the coverage you need without the hassle. Enroll today through your Wingspan dashboard and focus on what matters—growing your contracting business.
Coverage available for eligible 1099 contractors receiving payments through Wingspan.
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