WORKERS' COMPENSATION
INSURANCE IN COLORADO
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Protect Your People. Comply with the Law. Save on Premiums.
Work in construction,
roofing, drywall, framing?
Is a 1099 Employee the same as a Subcontractor?
What is your E-mod and how is that effecting what you pay for insurance?
What happens if my Employee doesn't have papers and is injured on the job? Do they have coverage?
Feel stuck with your current company?
¡Tenemos opciones!
Are you confused about the difference between an independent Contractor and an Employee?
As former construction business owners, we understand the struggle with workers' comp.
We offer comprehensive workers' comp coverage.
Trusted Workers’ Comp Insurance for Colorado Businesses
If you have employees in Colorado, you’re legally required to carry workers’ compensation insurance, no exceptions. But that doesn’t mean all coverage is the same. We help contractors, trucking operators, and small business owners find affordable workers comp insurance in Colorado that’s clear, compliant, and cost-effective.
As a Colorado workers comp insurance agent with a background in construction, I understand how confusing this can be, especially for industries with 1099 workers, high injury risks, or evolving labor needs. Whether you’re hiring your first employee or managing a growing crew, we’ll help you stay protected and avoid costly mistakes.
What Is Workers’ Compensation Insurance?
Workers’ compensation insurance is state-mandated coverage that pays for employee injuries and illnesses that happen on the job. It covers:
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Medical expenses
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Lost wages
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Rehabilitation
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Disability or death benefits
If someone on your team gets hurt lifting, driving, or working in the field, your policy steps in, protecting both your worker and your business.
Benefits of Workers' Comp Insurance
Mandatory Coverage
If you have one or more employees, Colorado law requires you to carry workers' compensation insurance.
Who's Covered
Anyone paid for their work is considered an employee and must be protected by workers' compensation insurance.
Applies to All
Whether your employees are part-time, full-time, or even family members, you're required to have coverage.
Stay Compliant
Ensure your business adheres to Colorado regulations and secures the necessary insurance to protect both your team and your business.
Colorado Workers Comp Insurance Requirements
In Colorado, any business with one or more employees must carry workers’ comp. This includes:
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Full-time, part-time, and seasonal workers
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Family members working for your business
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Many 1099 workers or subcontractors (even if you think they’re exempt)
⚠️ 1099 ≠ Exempt. Colorado law often classifies 1099 contractors as employees if they don’t meet strict independence criteria. Misclassifying workers could cost you thousands in fines or unpaid claims.
Even if your employees don’t have papers or legal status, Colorado still requires that they be covered under workers’ comp and they may be eligible for benefits if injured.
If you’re unsure who needs coverage or what applies to your business, we’ll walk you through it.
What Is E-Mod and How Does It Affect My Premium?
Your E-Mod (Experience Modification Rate) is a score assigned to your business based on past claims. The higher your E-Mod, the more you pay for workers’ comp. We help you:
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Understand your current E-Mod
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Correct costly misclassifications
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Adjust payroll audits and class codes
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Take advantage of savings you may not even know you’re missing
We’re not just a Colorado workers comp insurance provider, we’re your partner in reducing long-term costs.
Many agents shy away from high-risk accounts. We don’t.
We specialize in helping industries where workers’ comp is complicated, expensive, or misunderstood, including:
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General Contractors
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Roofers, Framers & Drywall Installers
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Dump Truck Operators
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Aggregate Haulers
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Tow Truck and Hot Shot Businesses
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Concrete & Excavation Crews
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Owner-operators and small fleets
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We know the codes. We understand your day-to-day risks. And we work with top Colorado workers comp insurance providers to get you the coverage you need without the runaround.
Looking for workers’ comp for your trucking business? We’ve got dedicated options for trucking operations.
José
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Estoy muy feliz de Kyle Anderson Cowest ellos hacen un excelente trabajo y lo ayudan con todo el proceso a escoger las mejores aseguranzas hacen un excelente trabajo lo recomiendo para los que van a empezar su compañía y necesitan aseguranzas ese es el lugar indicado 👍
Why Choose Kyle Anderson for Workers’ Comp Insurance in Colorado?
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Local Expertise, Statewide Coverage
Based in Colorado Springs and serving businesses across the state
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Specialized in High-Risk Industries
From roofing to trucking, we know how to protect your crew
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Bilingual Support (¡Hablamos Español!)
We serve English- and Spanish-speaking clients with patience and respect
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Trusted Colorado Workers Comp Insurance Providers
We shop top carriers like Pinnacol, AmTrust, BHHC, Guard, and more
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Hands-On Help with E-Mod, Audits & Compliance
We don’t just quote, we explain, strategize, and support
Proudly Serving Colorado Businesses Statewide
We provide workers’ compensation insurance solutions for small businesses, contractors, and trucking companies across the state of Colorado. While we’re proudly based in Colorado Springs, we regularly work with clients in Castle Rock, Pueblo, Denver, Boulder, and beyond.
Get a Fast, Free Workers’ Compensation Insurance Quote
Whether you’re hiring your first employee or reviewing coverage after years in business, we make it simple to get the right policy at the right price.
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