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Incorrectly classified Workers Compensation class codes could cost your business money.

If you own a business in Colorado and have employees you are required to have a Workers Compensation policy. Workers Compensation insurance is meant to provide wage replacement, medical and death benefits for employees injured on the job. Penalties for non-compliance can be severe.

Premium is based on employee classification and each class is assigned a specific rate per $100 of employee wages. Misclassification can not only cause a huge hassle at the time of a premium audit but also cost your business thousands of dollars. We recently saved an Excavation Contractor over $20,000 from two years of incorrectly classified audits.

Contact a Commercial Insurance Adviser at Mountain Insurance to determine if you are correctly insured at the best rate available in Colorado.

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Most common Denver Workers Compensation questions from our clients

I am a business owner with no employees. Am I still required to have Work Comp?

The State of Colorado does not require sole proprietors, or business owners with no employees to cover themselves with a Workers Compensation policy. However, you may be required to have Workers Compensation to fulfill a contractual requirement with a company you are doing work for.

My family members are my Employees. Do I still need to have a Workers Compensation policy?

YES. The Workers Compensation Act states that any individual who performs work for you is an employee unless the individual is:

  • Free from control and direction in the performance of their job
  • Customarily engaged in an independent trade, occupation or profession business-related business related to the service being provided

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