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Incorrectly classified Workers Compensation class codes could cost your business money.

If you own a business in Colorado and have employees you are required to have a Workers Compensation policy. Workers Compensation insurance is meant to provide wage replacement, medical and death benefits for employees injured on the job. Penalties for non-compliance can be severe.

Premium is based on employee classification and each class is assigned a specific rate per $100 of employee wages. Misclassification can not only cause a huge hassle at the time of a premium audit but also cost your business thousands of dollars. We recently saved an Excavation Contractor over $20,000 from two years of incorrectly classified audits.

Contact a Commercial Insurance Adviser at Mountain Insurance to determine if you are correctly insured at the best rate available in Colorado.

The simple way to access the best Workers Compensation Insurance options in Denver.

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Most common Denver Workers Compensation questions from our clients

I am a business owner with no employees. Am I still required to have Work Comp?

The State of Colorado does not require sole proprietors, or business owners with no employees to cover themselves with a Workers Compensation policy. However, you may be required to have Workers Compensation to fulfill a contractual requirement with a company you are doing work for.

My family members are my Employees. Do I still need to have a Workers Compensation policy?

YES. The Workers Compensation Act states that any individual who performs work for you is an employee unless the individual is:

  • Free from control and direction in the performance of their job
  • Customarily engaged in an independent trade, occupation or profession business-related business related to the service being provided

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