Workers Compensation Insurance
Take care of your employees if they're injured on the job — and protect your business from injury-related lawsuits.
Workers compensation insurance covers medical expenses, lost wages, and rehabilitation costs for employees injured on the job. In Colorado, it's required for nearly every business with employees — and the penalties for not having it can be severe.
Beyond the legal requirement, workers comp protects your business from lawsuits. When an employee accepts workers comp benefits, they generally give up the right to sue you for the workplace injury. Without coverage, an injured employee can sue your business directly, and the costs can be devastating.
Workers comp rates are based on your industry classification, payroll, and claims history. High-risk industries like construction and roofing pay more than office-based businesses. We shop across carriers and help you implement safety programs that can reduce your rates over time through experience modification adjustments.
Key Features
- Medical expense coverage for work-related injuries and illnesses
- Lost wage replacement — typically 2/3 of the employee's average weekly wage
- Rehabilitation and return-to-work program coverage
- Death benefits for the families of employees killed on the job
- Employer's liability coverage for related lawsuits
Who Needs This?
- Every Colorado business with employees (legally required)
- Contractors and subcontractors — often required to bid on projects
- Businesses in high-risk industries: construction, manufacturing, roofing
- Business owners who want to protect themselves from employee injury lawsuits
Ready to Get Workers Compensation Insurance Coverage?
Call 303-994-7814 or start your quote online.
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