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Colorado Workers' Comp Rates

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Colorado Workers Comp Rates

Colorado workers' compensation rates continue to increase in 2018.

As of 2017 rates in Colorado were 19 % lower than the national average. Even though rates are so low, still many employers do not take full advantage of all the money saving options available to them. At Workers Compensation Shop.com, we use more than a dozen insurance providers to get your business the best rates in the industry. Being able to shop this many providers allows our agents 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.

One such program we offer to help business owners is Pay as You Go workers comp coverage. This options helps business owners by allowing them to 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 Shop.com can help you save on Workers Comp Coverage 888-611-7467.

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Questions? Call 888-611-7467 Today for Help With CO Workers Compensation Rates

CO Rates for Select Work Comp Class Codes Workers Compensation Shop.com Icon.

The workers' compensation rates listed represent the current insurance rates we've found, effective 1/1/2017. 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

0042 Landscaping

$5.72 $12.58

3632 Machine Shop

$2.84 $6.25

3724 Garage Door Installation

$2.87 $6.31

3821 Salvage Yard

$5.69 $12.52

5022 Masonry

$10.70 $23.54

5102 Door and Window Installation

$5.50 $12.10

5183 Plumbing (under $21/hr)

$3.75 $8.25

5190 Electrical Wiring (under $28/hr)

$2.45 $5.39

5221 Concrete Construction

$5.07 $11.15

5348 Tile Installation

$3.94 $8.67

5437 Carpentry/Trim

$5.02 $11.04

5474 Painting (under $24/hr)

$6.15 $13.53

5478 Flooring

$4.92 $10.82

5537 HVAC Installation or Repair

$3.91 $8.60

5645 Carpentry Noc Res Construction

$9.51 $20.92

7228 Short Haul Trucking

$5.32 $11.70

7605 Alarm Installation

$1.61 $3.54

8006 Gas Station

$1.90 $4.18

8017 Retail Store

$1.45 $3.19

8380 Auto Shop

$2.39 $5.26

8742 Outside Sales

$0.25 $0.55

8810 Clerical-NOC

$0.13 $0.29

8832 Doctors Office

$0.39 $0.86

8835 Home Health Care

$2.44 $5.37

9012 Building Operations by Owner

$0.96 $2.11

9014 Janitorial

$3.80 $8.36

9015 Building Operations by Contractor

$3.96 $8.71

9052 Hotel Employees

$2.88 $6.34

9082 Restaurant

$1.47 $3.23

9083 Restaurant Fast Food

$1.55 $3.41

9102 Lawn Care

$3.24 $7.13

9516 Electrical Equipment Service & Repair

$3.76 $8.27

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.

Colorado Assigned Risk

Colorado uses Pinnacol Assurance as the assigned risk provider for the state. Pinnacol was established 100 years ago as the assured source of workers' comp coverage for Colorado companies, regardless of their size or risk. Approximately 56,000 customers across Colorado have made Pinnacol their carrier of choice. States who have an assigned risk or a state fund typically enjoy lower rates than those that do not.

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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

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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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Obtain Better Workers Compensation Insurance Quotes


How to get the lowest rates on workers comp insurance.


We've developed exclusive relationships with our insurance companies to turn-around accurate and bindable workers comp quotes in no time at all.

Workers comp insurance rates   Start your quote online or call us at 888-611-7467

Workers comp insurance rates   We will shop your policy with our CO carriers.

Workers comp insurance rates   You get the very best prices on workers comp.

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No Money Down Workmans Comp Workers Comp Payments
$0 Money Down Better Payment Options

We're a national leader in Pay As You Go Workers Compensation. We've developed low price programs to help reduce or eliminate down payments and allow employers to report and pay premium based on their actual wages.

We've negotiated the best deals 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.

Workers Compensation Class Codes
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Tough Class Codes Faster Insurance Quotes

We offer an affordable 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.

Our carriers and underwriters understand that we need to turn wc quotes quickly so our customers can buy coverage when they need it. We often turn quotes in less than 24 hours.

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Learn more about workers compensation insurance in Colorado Work Comp:   Colorado | CO Programs| CO Rates | CO Forms | CO Info | CO Quotes
Workers Compensation Agents More Options and More Quotes.

Even though Colorado offers some of the lowest workers' compensation rates in the country, many employers miss out on a great value by not shopping around. Carriers are permitted to issue up to 25% in premium discounts on a policy written in CO. We work with more than a dozen carriers eager to quote your business.

Give one of our Colorado workers' compensation specialists a call today at 888-611-7467 to see if your business qualifies for lower workers comp insurance rates.

Colorado Agency License: 367047
National Producer Number: 5064979

Contact a Colorado Workmans Comp Specialist