Workers' Compensation

What is workers' comp insurance?

If everything went according to plan, you wouldn't need workers' compensation insurance. But unfortunately, accidents happen — and that's where we come in.

Workers’ compensation insurance explained

It’s a way to protect employers and their injured workers by paying for medical expenses and a portion of lost wages when an employee is injured on the job. Workers’ compensation is also designed to ensure that injured workers get the type of specialized care they need to get back to work healthy, safe and as quickly as possible.
Colorado state law, which passed in 1915, requires a business to have workers' compensation coverage if they have even one employee. Learn about the Workers' Compensation Act and Pinnacol's history.
For information about workers' comp insurance and Colorado's statute, rules and more, please visit the Colorado Division of Workers' Compensation website.
COVID-19 policy update