All public and private employers in Colorado, with limited exceptions, must provide workers’ compensation coverage for their employees if one or more full- or part-time persons are employed. A person hired to perform services for pay is presumed by law to be an employee. This includes all persons elected or appointed to public sector service and all persons appointed or hired by private employers for remuneration. There are a few exemptions to this definition.
Workers’ compensation insurance coverage is paid by the employer. Employers purchase insurance coverage through a commercial insurance carrier or, if qualified, through self-insurance programs. No portion of the premium may be deducted from an employee’s wages.
In Colorado, there are three ways in which an employer may obtain workers’ compensation coverage:
Certification status is granted by the Premium Cost Containment Board to employers who can document that they have had a loss prevention/loss control program in effect for at least one year. Certified employers are eligible for up to a 10% reduction in their workers’ compensation insurance premium. For more information, visit the Employer Safety & Loss Control page or contact Premium Cost Containment at 303-318-8644.
Insurers are required to conduct a survey of injured workers’ satisfaction within 30 days after a claim is closed. The survey asks injured workers to respond to questions on courtesy, promptness of medical care, promptness of handling and resolving the claim, as well as overall satisfaction with the insurer. Access the survey results>