Effective Date: 5.4.2026
Welcome to 1099workers.com, operated by 1099 Workers LLC (“Company,” “we,” “us,” or “our”). By using our website or any service we provide (the “Service”), or by enrolling in any benefit plan offered through us, you agree to these Terms and Conditions (the “Terms”). If you do not agree, do not use the Service.
Please read Sections 5, 8, 16, 17 and 25 carefully. They affect your legal rights, including how disputes are resolved and the limits of our liability.
These Terms constitute the entire agreement between you and the Company regarding your access to and use of the Service.
These Terms supersede all prior agreements and conversations you may have had with us or third parties. We are not bound by any verbal or written statements made by third parties, including insurance brokers, agents or other third-party advisors.
You agree to use the Service only for lawful purposes and in compliance with all applicable laws and regulations. You may not use the Service in any way that could damage, disable, impair, or interfere with the platform. We may modify, suspend, or discontinue any part of the Service at any time without notice. We will give you reasonable notice of material changes when feasible, but we are not required to provide advance notice.
You are responsible for maintaining the confidentiality of your account and credentials. You must notify us immediately of any unauthorized access or use.
Certain products, services, or benefit plans offered through the Service may require you to meet specific eligibility criteria, including but not limited to:
We may approve, deny, or terminate enrollment at our sole discretion, subject to applicable law and subject to the requirements of the Plan Documents (defined below) and any applicable Professional Employer Organizations (“PEO”) or carrier rules.
We partner with PEOs, insurance carriers, and other third parties to offer you access to benefit plans.
While we are committed to helping our members access benefit plans, we are not the insurance provider. We do not underwrite, issue, or pay claims on any insurance policy.
Plan Documents
All benefits, network inclusions, claims decisions, and coverage approvals are strictly subject to the terms, conditions, and official plan documents, certificates of coverage, Summary Plan Descriptions (“SPD”), Summary of Benefits and Coverage, and insurance policies issued by the carrier (“Plan Documents”). These Terms are not a Plan Document and are not a SPD.
Claims for benefits and any appeals are governed exclusively by the Plan Documents and ERISA, not by these Terms. The Plan Documents describe the procedures for filing a claim, appealing a denial, and pursuing legal action. Nothing in these Terms shortens, limits, or modifies your rights under ERISA. If anything in these Terms conflicts with the Plan Documents, the Plan Documents control.
You may request a copy of the applicable SPD and Plan Documents at any time at no cost. We will provide them within 30 days.
Group Pricing and Minimum Enrollment
To qualify for group-based pricing and benefits, insurance carriers, PEOs, third-party providers, or partners may require us to enroll a minimum number of participants, and they may also require us to maintain that minimum enrollment threshold throughout the plan year.
If we do not meet the minimum enrollment threshold at the beginning of the plan year or if participation drops below the required threshold mid-year, then pricing may be adjusted, benefits may be modified, and/or plans may be discontinued or migrated to alternative options. These changes may occur with little or no prior notice.
Availability
By enrolling in or accessing the Service, you acknowledge and agree that your access to the plans, carriers, networks, pricing, benefits, coverage, and features offered through the Service:
This means that if our PEO modifies or terminates its agreement with us, if a carrier does not renew or terminates a policy, if a minimum participation threshold is not met or minimum participation drops, or if regulations change, your benefits and related pricing may change or end. You agree that the Company is not responsible for the impact of changes initiated or required by insurance carriers, PEOs, third-party providers, or partners, and the Company has no obligation to provide replacement coverage if such changes occur.
Mid-Year Transitions and Deductibles
If a plan or benefit is revised, terminated or migrated to a new carrier mid-year, amounts you have already paid toward deductibles or out-of-pocket maximums may reset to zero. We are not responsible for, and will not reimburse you for, loss of amounts credited toward deductibles, costs for replacement coverage, increased premiums, out-of-pocket medical expenses, or changes in your provider’s network status.
Continuation of Coverage (COBRA)
You may choose to work with an independent insurance broker, agent, or advisor (collectively, “Brokers”) to help you select a plan or certain benefits.
You acknowledge and agree to the following:
By enrolling in any paid service:
Accepted Forms of Payment
If your payment fails or is late, we may suspend or terminate the Services immediately.
In general, payments are non-refundable. This includes amounts paid for partial use of the Services, dissatisfaction, or voluntary cancellation.
You may cancel:
After cancellation:
Cancellation requests must be submitted to:
📧 cancellations@1099workers.com
By using the Service, you consent to receive communications electronically, including:
Standard message and data rates may apply.
You may receive or initiate phone calls with our representatives. By doing so:
You may opt out of marketing communications at any time, but you cannot opt out of legally required or service-related notices.
Your use of the Service is subject to our Privacy Policy, which governs how we collect and use your information.
The Company does not receive your medical or health information. Your health information (including medical records, claims, diagnoses, prescriptions, and Explanation of Benefits (EOB) statements) flows directly between you, the insurance carrier, and the PEO. The only benefits-related information the Company receives is whether you are enrolled, your coverage tier, and your payroll-deduction amount.
All content on the platform or otherwise provided in relation to the Service, including text, graphics, logos, designs, materials, presentations, and software, is owned by or licensed to the Company and protected under intellectual property laws.
You may not copy, modify, reproduce, or distribute any of our content without our prior written consent.
Any feedback, suggestions, or ideas that you submit to us:
The Service is provided “AS IS” and “AS AVAILABLE.”
We do not promise or guarantee that:
To the fullest extent permitted by law, we disclaim all implied warranties, including warranties of merchantability, fitness for a particular purpose, and non-infringement.
To the fullest extent permitted by law:
The Company is not liable for any indirect, incidental, consequential, special or punitive damages including (without limitation) loss of data, income, business, or benefits; loss of amounts paid toward a deductible or out-of-pocket maximum; or unexpected medical bills.
The Company’s total maximum liability for all claims arising out of or related to the Service will not exceed the greater of (a) $500 or (b) the total Service Fees paid by you to the Company during the twelve (12) months immediately preceding the event giving rise to the claim.
For purposes of this limitation of liability, “Service Fees” means only the platform, membership, administrative, or technology fees you paid to the Company for access to and use of the Service. Service fees do not include, and the cap is not increased by:
These exclusions and limitations apply to all claims, regardless of the legal theory (contract, tort, negligence, statute, or otherwise), and apply even if the Company has been advised of the possibility of such damages. Nothing in these terms limits liability that cannot be limited by applicable law.
YOU AGREE TO INDEMNIFY AND HOLD THE COMPANY, ITS AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, AND AGENTS HARMLESS from any claims, losses, damages, liabilities, and expenses (including reasonable attorneys’ fees) arising out of:
This indemnification does not require you to indemnify the Company for the Company’s own negligence, willful misconduct, or breach of these Terms.
Neither party is liable for delay or failure to perform caused by events beyond reasonable control, including acts of God; pandemic, epidemic, or public health emergency; war; terrorism; civil unrest; labor disputes; supplier or carrier failure; PEO termination or non-renewal; carrier insolvency or non-renewal; cyberattack; internet or utility outage; or government action. Force majeure does not excuse your obligation to make payments for Services already rendered.
We may update these Terms from time to time. If we make material changes, we will notify you by email or through the platform at least 30 days before the changes take effect. If you continue to use the Service after the effective date of the new Terms, you accept them. If you do not agree to the new Terms, your sole remedy is to stop using the Service.
The Service is operated from the United States and may not be suitable or available in all jurisdictions.
We are committed to providing an accessible experience for all users and will make reasonable efforts to accommodate accessibility needs.
If any provision of these Terms is found unenforceable, the remaining provisions will remain in full effect.
You may not assign or transfer your rights under these Terms without prior written consent from the Company’s authorized executive representative (for example, the Company’s CEO, CTO, COO). These Terms are for the sole benefit of you and the Company. No third party shall have any rights, interests, or claims under these Terms, nor is any third party intended to be a beneficiary of these Terms.
These Terms, and any dispute arising out of or relating to these Terms or the Service, are governed by the laws of the State of Texas, without regard to its conflict-of-law principles.
Except for disputes subject to arbitration under the Dispute Resolution section below, you and the Company agree that any lawsuit, action, or proceeding arising out of or related to these Terms or the Service must be brought exclusively in the state or federal courts located in Bexar County, Texas.
You and the Company consent to the personal jurisdiction of those courts and waive any objection based on inconvenient forum. To the fullest extent permitted by law, any claim or cause of action arising out of or related to these Terms or the Service must be filed within one (1) year after the claim or cause of action accrued. Claims not filed within that period are permanently barred.
PLEASE READ CAREFULLY. THIS SECTION AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO SUE IN COURT, YOUR RIGHT TO A JURY, AND YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION.
Agreement to Arbitrate
You and the Company agree that any dispute arising out of or relating to these Terms or the Service will be resolved by binding individual arbitration administered by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules (available at www.adr.org). The Federal Arbitration Act governs this agreement. Before starting arbitration, you must first send written notice of the dispute to the email address in the Contact Information section, and the parties will have 60 days to try to resolve it informally. This Section does not apply to: (a) claims for benefits under an ERISA-governed plan; (b) small claims court actions; (c) claims for injunctive relief related to intellectual property or unauthorized use of the Service; or (d) any dispute that cannot be required to be arbitrated under applicable law.
Class Action and Jury Waiver
YOU AND THE COMPANY EACH WAIVE THE RIGHT TO A JURY TRIAL AND THE RIGHT TO PARTICIPATE IN ANY CLASS, COLLECTIVE, OR REPRESENTATIVE ACTION. THE ARBITRATOR MAY AWARD RELIEF ONLY TO YOU INDIVIDUALLY.
30-Day Opt-Out
You may opt out of this Section by emailing support@1099workers.com within 30 days after first accepting these Terms, including your name, account email, and a statement that you are opting out. Opting out will not affect any other part of these Terms.
The following Sections survive termination or expiration of these Terms or your use of the Service: Section 6 (Independent Brokers and Advisors), Section 8 (No Refund), Section 12 (Privacy), Section 13 (Intellectual Property), Section 14 (Feedback), Section 15 (Disclaimers), Section 16 (Limitation of Liability), Section 17 (Indemnification), Section 18 (Force Majeure), Section 22 (Enforceability), Section 23 (Assignment), Section 24 (Governing Law), Section 25 (Dispute Resolution), and any other provision that by its nature should survive.
Any legal or formal notice to the Company must be sent by email to compliance@1099workers.com. Notice is effective on the date the email is sent, provided no bounce-back or delivery-failure message is received.
The Company may give you notice by email to the address associated with your account, by posting on the platform, or by any other method permitted by law. You are responsible for ensuring that your email address is up to date.
If you have questions about these Terms, please contact us at:
