Policy-backed quote
Gruv reads monthly premium, per-claim limit, aggregate cap, and third-party EPLI ceiling from the bound country policy before surfacing a quote. No fixed global price.
AoR coverage add-on
Misclassification coverage, gated on policy evidence
AoR misclassification coverage is an opt-in add-on per contractor engagement. Quotes surface only when the bound country policy carries an active third-party EPLI endorsement and carrier-confirmed indemnification terms.
Opt-in per engagement
Coverage attaches to one AoR engagement and SKU. Your ops team sees exactly who opted in, when, and under which policy record.
Carrier acknowledgement required
Every opt-in enters a pending state and activates only after the carrier records acknowledgement. No silent activation.
Quote prerequisites
No policy evidence, no quote
There is no fixed global price. Limits and premiums are country-specific and policy-backed. The quote endpoint returns the actual monthly premium and caps from the bound policy record for the engagement country.
| Evidence | Requirement |
|---|---|
| Country policy status | Active and unexpired for the worker country |
| Third-party EPLI endorsement | Present on the policy before a quote surfaces |
| Indemnification terms | Confirmed in the bound carrier policy |
| Carrier report state | Tracked as pending, reported, acknowledged, or failed per opt-in |
What each coverage record stores
Engagement ID, SKU (AOR_MISCLASSIFICATION_INDEMNITY), policy reference, country, carrier, premium, limits, effective window, and carrier-report status. Duplicate active opt-ins for the same engagement are blocked at the database level.
What still requires sign-off
This page does not claim uncapped coverage or a universal carrier price. Production activation requires broker/carrier binder data and billing enablement on your customer account.