CO Workers Comp Information
All the latest news and state information about Colorado workers' comp insurance.
Colorado represents one of the most affordable workers compensation markets in the country. CO is an NCCI state and under the jurisdiction of the National Council on Compensation Insurance. The state used to manage its own state fund program under Pinnacol Assurance. However, Pinnacol was transformed into a private insurance company during the 1980's. Today Pinnacol competes with over 300 other insurance carriers authorized to do business in Colorado.
Because there are so many providers and competition is so fierce, rates in Colorado remain low. Because of this competition it is very important for employers to shop their policy with as many carriers as possible. This is where Workers Compensation Shop.com offers a distinct advantage. We partner with more than 20 carriers who are actively writing policies in Colorado. Through these partnerships our agents can negotiate for the best possible coverage at the cheapest rates in the country.
Don't spend too much on your workers comp policy. Get a free no-obligation quote online or give one of our agents a call at 888-611-7467.
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About Workers Compensation in Colorado
Colorado Division of Workers' Compensation
Division of Workers' Compensation.
633 17th Street, Suite 400
Denver, CO 80202
What is Workers' Compensation?
The basic purpose of the Workers’ Compensation is to provide wage replacement benefits and medical treatment for employees who have been injured or become ill due to a work-related injury or illness. It prevents the employer from bearing the costs of injuries that occur during normal business operations.
Reporting injuries in Colorado
In the state of Colorado employers are required to report an injury within the first 10 days no matter how minor the injury may be. This can be done so be filling out the Employer's first report of injury form.
How does workers comp help my employee?
Employees benefit from workers comp coverage by having lost wages covered while they are hurt or sick and not able to work. It also pays for medical costs they might incur as a result of the sickness or injury.
Who determines the medical provider?
In the state of Colorado the employer or insurance company has the right in the first instance to select the physician who attends to an injured employee. Colorado requires a list of at least four physicians or corporate medical providers, be provided by the employer in order to give the injured employee the opportunity to select a treating physician. If no physician is properly assigned than the employee may attend the health care provider of his or her choice.
How does workers comp help my business?
Your business benefits by not being liable for injuries that occur as a part of normal business operations. This applies whether the injury was the fault of the business or was caused by negligent actions of the employee.
More Programs and Options
We're always working with our insurance carriers to develop specialized programs for a broad range of industry class codes. Our Target Programs are designed to streamline the underwriting process and help ensure we offer the lowest rates available anywhere.
- Home Healthcare
- Janitorial Services
- And More
Workers Compensation Help?
- What is Workers Compensation?
- The Basics of Workers Comp
- Workers Compensation Q and A?
- Insurance Laws for Work Comp
- Managing Policy Claims
- Getting Work Comp Benefits
- NCCI Classification Codes
- Experience Modifiers and Ratings
- State Fund Coverage
- Workers Compensation Forms
- Handling Workers Comp Audits
- Understanding an Employer Liability Policy
- Excluding Owners and Officers
- Other States Coverage
Colorado Work Comp Information
Colorado Independent Contractors
If a business hires an independent contractor they may be subject to providing comp coverage for all labor unless the Independent Contractor is free from the control and direction of business owner, makes a living at the service being performed and is performing a duty not normally done by an employee of the business.
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Let Workers Compensation Shop.com help your business navigate workers comp insurance in Colorado.
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