Colorado requires most employers with even one employee to carry workers compensation insurance. Sierra Insurance Group helps Denver businesses find affordable workers comp coverage that keeps you compliant with state law and protects your team if someone gets hurt on the job.
We shop multiple carriers and tailor your policy to your industry so you get the right coverage at the best rate.
Colorado law requires workers comp for nearly every employer. We make sure your policy meets state requirements so you avoid fines, stop-work orders, and personal liability for workplace injuries.
We compare rates from multiple carriers to find you competitive pricing. Your premium is based on payroll, industry classification, and claims history — and we work to keep each factor working in your favor.
A restaurant has different risks than a construction crew. We match your business to the right class codes and coverage limits so you are not overpaying for protection you do not need or underinsured where it counts.
Need a certificate of insurance before you can start a job? We issue certificates the same day — often within minutes. Just tell us who needs it and we will get it to them so you can get to work.
Yes. Colorado law requires most employers with one or more employees to carry workers compensation insurance. Failing to comply can result in fines, penalties, and personal liability for workplace injuries. A few exceptions exist, but the vast majority of businesses need coverage in place from day one.
Workers comp rates in Colorado depend on your industry, payroll size, number of employees, and claims history. Low-risk office jobs pay significantly less than construction or roofing operations. We shop multiple carriers to find you a competitive rate that fits your budget without sacrificing the coverage your business needs.
Workers comp covers medical expenses, lost wages, rehabilitation costs, and disability benefits for employees who are injured or become ill because of their job. It also protects your business from lawsuits filed by injured workers. In fatal cases, it provides death benefits to the employee's dependents.
Sole proprietors with no employees are generally exempt from Colorado's workers comp requirement. However, you can opt in to cover yourself, and some clients or general contractors require proof of coverage before they will hire you. Opting in gives you protection if you get hurt on the job.
Once your workers comp policy is active, we can issue a certificate of insurance the same day — often within minutes. Certificates are commonly required by clients, general contractors, and landlords before you can start work on a project. Just let us know who needs it and we will handle the rest.
Colorado has one of the strictest workers compensation requirements in the country. Every employer with one or more employees must carry workers comp insurance — and that includes part-time workers, seasonal hires, and family members on the payroll. There is no small-business exemption and no waiting period. From the day you hire your first employee, you are required to have a policy in place. Sole proprietors and partners without employees are exempt but can opt in, which is worth considering if you work in a trade where injury risk is real — roofing, electrical, plumbing, landscaping, or any form of construction.
The penalties for operating without workers comp in Colorado are severe. The state can impose a fine of $500 per day for every day you are out of compliance. If an employee is injured while you are uninsured, you become personally liable for all medical bills, lost wages, and rehabilitation costs — there is no corporate shield. It is also a misdemeanor criminal offense, which means potential jail time in addition to fines. The Colorado Division of Workers Compensation actively investigates complaints, and general contractors on job sites routinely verify coverage before allowing subcontractors to start work. SB26-093, currently moving through the legislature, would add a requirement for contractors to verify workers comp for all subcontractors on every project.
Workers comp premiums in Colorado are based on your industry classification code, your annual payroll, and your claims history through the experience modification rate. An office-based business pays a fraction of what a roofing company pays because the risk profile is completely different. Pinnacol Assurance is Colorado's state-designated workers comp fund — the insurer of last resort for businesses that cannot find coverage in the private market. Most businesses, however, can get better rates through private carriers, and that is where Sierra Insurance Group comes in. We shop your classification across multiple carriers to find the most competitive rate, and we help you manage your experience mod so your premiums stay as low as possible over time. If you also need general liability or a full business owner's policy, we handle everything from one office in Denver.
I started Sierra Insurance Group to help Denver families find coverage that actually fits — at a price that makes sense. We take the time to understand your situation and match you with the right protection, not just the first quote.
