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All consultations include 60 days of free access to our premier safety training.
Your Colorado community is unique, so why settle for workers’ comp that isn’t? In a shared system, you risk losing control over your costs, but we believe your commitment to safety and financial management should be rewarded.
Backed by over 100 years of expertise, an AM Best rating of A- and recognition as a Forbes Advisor top workers’ comp insurer, we prioritize your needs and deliver results that a generalized risk pool simply can’t match.
Get industry-specific support and be rewarded for your individual performance. Over the last ten years, we’ve distributed dividends totaling $415 million to Colorado businesses.
Never compromise on quality for cost. Pinnacol Edge offers a 15% upfront discount, and injured workers have rated us No. 1 for workers’ comp coverage nine years straight.
The cheapest claim is the one that never happens. With Colorado’s largest safety team, we help customers achieve a 38% decrease in claim frequency.
When you choose Pinnacol, you don't just get a policy. You get a full suite of services, included at no extra cost, designed to protect your team and lower your premiums. Here's what that means for you.
When comparing an individual policy to a risk pool membership, some of the advantages are:
Predictable costs: Individual workers' comp policies offer fixed premiums for the policy period, simplifying budgeting. While risk pools aim for stability, their costs can fluctuate. As an individual policyholder, you'll know your exact coverage costs upfront, avoiding potential future assessments common with some risk pools.
Tailored coverage: You can customize a policy that meets your business's needs, including specific coverage limits, deductibles, and endorsements, by working with an agent or directly with a carrier like Pinnacol.
Financial security: Individual policies are backed by the insurance company's financial strength and guarantee of coverage and claims payment.
Ease of use: Getting an individual policy is often a simple, straightforward process, with readily available quotes and policy options.
Potential for dividends: Some insurance companies (like Pinnacol Assurance) offer dividend programs that reward businesses with favorable claims experience.
With an individual policy, only your performance directly impacts your insurance costs, safeguarding your bottom line from the influence of others’ claims. Pinnacol's support helps you manage safety and reduce claims effectively. When safety is prioritized, this can translate into dollars back, as Pinnacol provides dividends to customers with strong safety records.
Pinnacol offers compelling advantages that are built on over 100 years of Colorado experience:
Deep roots and a century of experience in Colorado workers’ comp
The largest safety team in the state that delivers innovative solutions, comprehensive training and resources in English and Spanish
Competitive pricing, consistent customer dividends (including $15M in 2024 and 2025) and an A.M. Best “A-” rating
Efficient claims handling and comprehensive programs to get injured workers back to work quickly and safely
High customer satisfaction ratings and a network of local agents
The best way to understand your potential savings and tailored coverage options is to schedule a free consultation with our dedicated Public Entity Sector team. This industry-specific team can help you see how an individual policy can directly benefit your organization. Claim your free consultation above to get started.
To learn more about the Pinnacol Advantage, contact your Pinnacol agent or our Public Entity Sector team directly.
Sarah Bensman
Public Entity Sector team senior business director
Sarah.bensman@pinnacol.com
Chris Hansen
Public Entity Sector team underwriting lead
chris.hansen@pinnacol.com
Mike Smith
Public Entity Sector team senior underwriter
michael.smith@pinnacol.com
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