Colorado Workers Comp Rates

Colorado workers' compensation rates continue to increase in 2019.

As of 2018 rates in Colorado were 15% lower than the national average. Even though rates are low, many employers do not take full advantage of all the money saving options available. At Workers Compensation, we shop more than 35 insurance providers to get your business the best rates in the industry. Shopping our carriers allows us to negotiate better coverage at rock bottom prices. We also offer several programs that offer flexible payment options. These programs allow businesses to pay for premiums on their terms.

Check out our cash flow friendly Pay as You Go workers comp coverage. This program helps business owners pay their premiums based on payroll through out the year. This prevents business owners from over or under paying their premiums. It also frees up cash flow for more immediate business needs.

Call today to find out all the ways Workers Compensation at 888-611-7467.

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CO Rates for Select Work Comp Class Codes

The workers' compensation rates listed represent the current insurance rates we've found, effective 1/1/2019. Colorado rates are regulated by the CO Department of Workers Compensation and the Colorado Division of Insurance. Insurance companies may be able to offer policy discounts and credits on coverage. We provide Pay As You Go workers comp options in Colorado.

Class Code Low Rate High Rate
0035 Farm- Planting and Harvesting- Cannabis Growers $1.71 $3.76
0042 Landscaping Service $3.70 $8.14
0106 Tree Trimming- Pruning- Removal $6.73 $14.81
0917 Residential Cleaning Service- Housekeepers $6.73 $14.81
2121 Breweries- Craft Beers $0.89 $1.96
2143 Winery- Wine Makers $0.89 $1.96
2585 Carpet Cleaning $3.16 $6.95
2589 Dry Cleaning and Laundry Service $2.23 $4.91
3632 Machine Shop $1.99 $4.38
3724 Garage Door Installation $1.99 $4.38
3821 Salvage Yard-Automobile Recycling $4.62 $10.16
5022 Masonry Construction $8.56 $18.83
5102 Door and Window Installers $378.00 $8.32
5183 Plumbing Contractors $2.63 $5.79
5190 Electrical Work- Electrician $2.63 $5.79
5221 Concrete Work- Flat Work Cement $3.93 $8.65
5223 Pool Installation- Pool Maintenance $4.55 $10.01
5348 Ceramic, Tile and Stone Work $2.88 $6.34
5437 Trim- Finish Carpenters- Cabinets- Countertops $4.36 $9.59
5445 Drywall Contractors $4.28 $9.42
5474 Painting Contractor $4.70 $10.34
5478 Floor Installers- Wood-Carpet-Laminate $3.35 $7.37
5535 Metal Building Construction $5.57 $12.26
5537 HVAC- Heating and Cooling Service/Repair $2.78 $6.12
5537* Solar Energy Contractors- Installation $2.78 $6.12
5551 Roofing Contractors $8.73 $19.21
5606 Asphalt & Paving Work $0.61 $1.34
5645 Residential Construction- Home Builders- Remodelers- Siding $7.00 $16.10
6217 Excavation and Grading Work $2.88 $6.34
6400 Fence Installation & Repair $4.30 $9.46
7219 Trucking- Short Haul and Long Haul $4.79 $10.54
7225 Towing Company $4.17 $9.17
7230 Package and Parcel Delivery $5.76 $12.67
7370 Non-Emergency Medical Transportation- Taxi- Limousine- Airport Shuttle $3.05 $6.71
7605 Alarm Installation and Repair $1.16 $2.55
7720 Security Guards- Patrol Officers $2.13 $4.69
8006 Gas Stations- Convenient Stores $1.35 $2.97
8017 Retail Stores- Merchandise- Cannabis Dispensary $1.06 $2.33
8292 Warehousing and Storage Facility $2.59 $5.70
8380 Auto Service and Repair- Mechanic $1.64 $3.61
8393 Auto Body Repair $1.06 $2.33
8742 Sales Professional $0.18 $0.40
8810 Clerical- Office Employee $0.09 $0.20
8824 Retirement Living Centers- Congregate Communities $2.58 $5.68
8829 Nursing Homes and Assisted Living Facilities $2.11 $4.64
8831 Animal Shelters and Kennels- Veterinarian $1.12 $2.46
8832 Medical Office- Doctor- Dentist- Chiropractor, Optometrist $0.30 $0.66
8835 Home Healthcare Workers $1.61 $3.54
8842 Group Homes- Temporary Shelters- Disability Facility $2.35 $5.17
8864 Group Homes- Temporary Shelters- Disability Facility $2.16 $4.75
8868 Religious Organization- Church- Temple $0.39 $0.86
8869 Child Care Center- Daycare Providers $0.99 $2.18
8917 Retail Stores- Merchandise- Cannabis Dispensary $1.06 $2.33
9012 Property Management- Leasing Agent $0.63 $1.39
9014 Janitorial Service Contractors- Pest Control- Exterminating- Chimney $2.80 $6.16
9015 Building Maintenance-Campgrounds-Camps-RV Parks $2.60 $5.72
9052 Hotels and Motels $2.11 $4.64
9060 Golf Courses and Country Clubs $1.34 $2.96
9063 Fitness Center- Health Clubs- YMCA Programs $0.86 $1.89
9082 Restaurants- Catering $1.12 $2.46
9083 Mobile Food Truck- Food Cart- $1.10 $2.42
9083* Fast Food Restaurant- Concessions- Doughnut Shop $1.10 $2.42
9084 Bars-Taverns-Nightclubs $1.36 $2.99
9102 Lawn Service and Maintenance $2.00 $4.40
9180 Shooting Range- Amusement Park $4.86 $10.69
9402 Septic Tank Cleaning- Portable Toilets $3.09 $6.80
9403 Refuse Collection- Garbage- Trash Service $5.00 $11.00
9516 Electrical Equipment Repair and Service $2.54 $5.59

Pinnacol Assurance used to operate as the exclusive State Fund for CO, but now they are a non-profit and compete directly with private carriers. Workers compensation rates vary by industrial classification codes and insurance company underwriting standards. Employers' who have an Experience Modifier assigned to their FEIN may have additional credits or debits applied to their insurance rates based on prior premiums and workers compensation losses. We shop for lower workers compensation rates in Colorado.

State Resources for Colorado

Colorado Department of Workers' Compensation

1515 Arapahoe Street
Tower 2, Suite 500
Denver, Colorado 80202-2117

Colorado Division of Insurance

Department of Regulatory Agencies
1560 Broadway, Ste. 850
Denver, Co 80202

Colorado is under the Jurisdiction of the National Council for Compensation Insurance (NCCI) and contracts with Travelers as the state fund carrier.

Our agency can help employers find guaranteed state fund coverage in CO. If we can't find coverage with a private insurance provider we can help buy a state fund policy.

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We're a national leader in Pay As You Go Workers Compensation. We've developed programs designed to help reduce or eliminate down payments and allow employers to report and pay premium based on their actual wages.
Better payment options for workers compensation insurance coverage.
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We've negotiated special terms with many of our insurance companies in order to offer more flexible payment options like 12 equal installment plans and monthly reporting to help improve cash flow for business owners.
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We can offer a quote for some of the toughest NCCI class codes and higher experience modifiers because we've partnered with national carriers who specialize in high hazard industries.
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