As a Pinnacol member, you benefit from lower costs, annual dividends and a century of expertise. Plus, our nationwide coverage safeguards your business as it grows.
Save 15% today
Get the Pinnacol Edge™ and save up to 15% up front on a new policy. Our premier services save you money over the long haul, so we send those dollars straight to your bottom line.
We pay you back, year after year
Over the past 10 years, we’ve distributed $415 million in member dividends, more than any other carrier in Colorado. Our general dividend program puts money back into your business.
Leave the hassle behind
Our claims management resolves claims 25% faster and at a 10% lower average cost than our competitors. Plus, our member satisfaction score of 67 far exceeds the industry average of 28.
Coverage for wherever you grow
From office openings to remote hires, our nationwide coverage protects your business as it expands. We offer coverage options in all 50 states.
Our members get access to Colorado’s No. 1-rated care for their injured workers and benefit from our proven financial stability. We’ve maintained the state’s highest satisfaction scores for nearly a decade and have received national honors from Forbes Advisor, Ward’s 50 and AM Best.
Reducing risk and workers’ comp expenses for businesses
When you choose a Pinnacol membership, you get access to the largest safety team in Colorado. Our experts work directly with your team to lower risk and maintain a safe work environment.
What does a Pinnacol workers’ comp membership cover?
Your membership provides essential medical care and lost wage protection for injured workers. You also get access to a suite of services, including expert claims, safety and return-to-work support, at no additional cost.
How much does workers’ comp insurance cost with Pinnacol?
Workers’ comp costs vary and are determined by your industry, payroll and claims history. As a Pinnacol member, you can save with our Pinnacol Edge™ up front discount as well as additional discounts you may qualify for.
How can I lower my workers’ comp e-mod with Pinnacol?
Members can lower their e-mod and overall insurance costs by partnering with our safety experts to reduce workplace risk. Our Safety Services have been shown to decrease claim frequency by 38% and lower loss ratios by 55%.
How does Pinnacol’s claims management compare to that of competitors?
Pinnacol members benefit from claims resolved 25% faster at 10% lower costs than our competitors.
Why is Pinnacol rated No. 1 for workers’ comp in Colorado?
Members benefit from Colorado’s No. 1-ranked injured worker care and financial stability, verified by nine years of top satisfaction scores and national honors from Forbes Advisor, Ward’s 50 and AM Best.
How does Pinnacol support the community and workforce?
In 2025, Pinnacol invested over $1 million in Colorado, including $250,000 in grants for workforce safety, and maintained the state's largest youth apprenticeship program. Additionally, the Pinnacol Foundation has awarded nearly $8 million in scholarships to over 800 students since 2001.
Does Pinnacol offer nationwide coverage for workers’ comp?
Yes, as long as your business has payroll in Colorado, Pinnacol offers competitive coverage and expert care nationwide. Trust us to safeguard your business as you expand in Colorado and beyond.
*Pinnacol resolves 25% more claims than competitors at our first required reporting to NCCI.
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