Start with the engagement
Keep the worker country, role, working arrangement, contract, and intended start date together.
Misclassification planning
Plan for misclassification risk before you launch
Bring the classification decision, engagement details, and any policy documents into one review. Gruv helps your team see what is ready, what is missing, and who needs to sign off.
Gruv does not currently list misclassification coverage as a standard product. Carrier, country, limits, price, and eligibility would need to be confirmed for each engagement.
One engagement at a time
Keep the coverage review connected to the work
Coverage depends on the facts of the engagement. Keeping those facts with the policy review makes it easier to spot a missing document, an expired date, or a condition that needs attention.
Check the policy fit
Compare the engagement with the policy country, dates, eligibility rules, limits, and exclusions.
Keep the decision clear
Record the classification result, policy documents, approval status, and the people responsible for the next step.
Coverage questions
What determines whether coverage can apply
A classification result is only one part of the answer. The program, policy, country, engagement, and commercial terms all need to line up before anyone relies on coverage.
| Question | What to check |
|---|---|
| Program availability | Confirm that coverage is available for this customer, country, and type of engagement. |
| Carrier and policy | Use the current binder or policy to identify the carrier, broker, effective dates, and exclusions. |
| Engagement eligibility | Review the worker profile, classification decision, contract, working arrangement, and any policy conditions. |
| Limits and price | Read the current policy and commercial terms for the premium, per-claim limit, aggregate limit, and any sublimits. |
| Activation and billing | Agree on the start date, approval steps, billing owner, written acknowledgement, renewal, and cancellation terms. |
| Claims process | Know who reports a claim, which documents are required, who owns the response, and which deadlines apply. |
What Gruv can keep together
- The AoR engagement, worker country, and classification decision
- The policy details used for the review, including dates and limits
- The coverage request, its status, and the people who reviewed it
- A history of changes when a policy or engagement is reviewed again
What to bring to the conversation
- The worker country, role, working arrangement, and intended start date
- The classification decision and the facts used to reach it
- Any broker proposal, binder, policy schedule, endorsement, or exclusions
- The billing owner, claims contact, and person approving the engagement
Start with a real case
Talk through your first engagement
Bring one contractor example and any policy documents you have. We can organize the open questions in one place and show what still needs an answer before your team relies on coverage.
Talk through an engagement