Pinnacol’s claims expertise delivers for members

When workers’ comp is required by law - like in Colorado - it’s easy to think of getting coverage as just a box to check. But not all workers’ comp carriers are the same. 

According to the latest independent NCCI (National Council on Compensation Insurance) data, Pinnacol handles claims faster, more accurately, and more cost-effectively than any other carrier in the Centennial State.

Here is exactly what that means for our members:

1. Preventing runaway costs on lost-time claims

When an employee suffers a lost-time (indemnity) injury, the costs can add up fast. Because we proactively manage our claims with top-tier medical care and a robust return to work program, we keep claim costs remarkably low.

• The Proof: According to NCCI, our members save an average of $10,000 per indemnity claim compared to the rest of the industry. That’s real money staying right where it belongs—in your business.

2. Getting workers back to healthy and back on the job fast

A long, drawn-out claim isn’t good for anyone. It keeps a valued team member away from work and stalls your productivity.

• The Proof: We resolve serious, complex claims 31% faster than the industry average. Our swift action helps injured employees recover and safely return to their jobs sooner, keeping your business running smoothly.

3. Estimating likely cost of claim for fewer surprises

Nobody likes opening an insurance bill or an annual review only to find a mountain of unexpected costs.

• The Proof: Pinnacol is 9.2% more accurate at predicting and capturing the true ultimate cost of a claim right from the start. By avoiding the "financial guessing game," we ensure fewer budget surprises down the road.

All this is to say that our members can rest easy knowing you have Colorado’s leading workers’ comp experts in your corner. We’re dedicated to keeping your premiums fair, delivering needed benefits to your workers, and resolving your claims quickly.