Managing impacts of
COVID-19 (coronavirus) on your business

Last Updated: Mar 29, 2020

Protecting Your Business and Workers during the Coronavirus Outbreak

Around the globe, the coronavirus disease (COVID-19) is infecting tens of thousands of people and disrupting travel, public gatherings, schools and business operations. Most employers are preparing for the possibility of widespread infections.

We will continually assess this evolving situation and its impacts, and will communicate any important information to our customers and stakeholders.

For workers’ compensation questions, please contact Pinnacol Customer Service at 303.361.4000.  

Coronavirus Questions and Answers for Colorado Businesses

If one of my employees suspects they’ve contracted COVID-19 at work, is that a compensable workers’ compensation illness?

With the growing number of COVID-19 (coronavirus) cases in Colorado, it's crucial to know what to do if one of your employees gets the virus. Part of that is understanding whether employees could claim workers’ compensation if they contract the virus. For such a claim to be admitted, the employee would have to prove by a preponderance of the evidence that the infection arose out of and in the course of employment.

This approach is similar to other claims of workplace exposure to contamination or illness. If the worker was on the clock and on the premises at the time of the exposure to the virus and can establish a causal connection between the duties of their employment and the infection, then the claim may be held compensable. If the virus is circulating widely in the community where the business is operating, it may be difficult for a worker to prove COVID-19 was contracted at work versus elsewhere. A worker will need to be able to trace the contraction of the virus to a particular time, place and cause in the workplace for it to be deemed compensable.

If my business requests or requires employees to work from home and they get injured, is that a compensable workers’ compensation injury?

We will investigate and evaluate any claimed injury that occurs while working from home just as we would a claim in the workplace. We will determine whether the injury occurred in the course and scope of employment and arose out of the employment. Learn more about reporting suspected workers’ compensation injuries.

What if an employee needs to be tested for coronavirus?

We want to ensure all Pinnacol customers and their employees can get tested quickly if they suspect they’ve been exposed or infected with COVID-19 as a result of their work. If you or your employees need to get tested, please contact the medical provider of your choice, and Pinnacol will pay for the COVID-19 testing. It is not necessary to go to one of your designated workers’ comp providers for the test.

If you or your employee believes there is a work-related exposure to COVID-19, we recommend you file a claim. Should the test results be positive, current state law regarding workplace exposures will apply in order for Pinnacol to pay for further COVID-19-related treatment and benefits.

Get in Touch
Have additional questions?
Give us a call at 303.361.4000.