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Our Approach to Workers Comp Insurance

Saving Colorado Businesses Time and Money

Providing workers compensation coverage to business owners in Colorado is one of our focuses at APCO Insurance.  As such, we take a very comprehensive and detail oriented approach to building and managing our clients' policies.  Our agents not only want to save you money up front, they also want to help you continue to save money over time and to avoid an interruption to your operations due to having to file a claim.

Workers Compensation Colorado

Experience Mod Factor

Your workers compensation insurance premium cost can go up or down depending on your experience modifier, otherwise known as an experience mod or e-mod. This is a rating that insurance carriers use to measure your company’s expected loss based on industry standards versus its actual loss. A high experience mod or debit mod means that your losses were greater than expected, leading to a surcharge on your premium. However, if your losses are lower, then you will receive a credit mod, which equals a discounted premium.

APCO Insurance professionals have a great deal of experience helping clients reduce their experience modifier rating. After performing an assessment of your loss potential, our agents will advise you on ways to prevent workplace injury and maintain a safe work environment. Additionally, we will help you obtain your Cost Containment Certification, giving you up to a 5% discount on your workers comp costs in the state of Colorado.

Our Process

When first developing a proposal for your business, our first task is to uncover the details of your operation in order to provide you with the most accurate and detailed quote possible. By working with some of the top carriers in the industry such as Pinnacol Assurance, The Hartford, and Employers, we can tailor a policy to your specific needs. And in the event of a claim, our team will provide hands-on support to expedite the process and minimize the impact on your day-to-day activities.

So contact us at APCO Insurance today or request a quote to discuss your workers compensation insurance options. We will help you find coverage that is good for both your employees and your bottom line. We look forward to helping you.

Our Location

APCO Insurance

APCO Insurance

400 Inverness Pkwy, #180
Englewood, CO 80112
Main office: 303-300-2726
Fax: 720-283-6336
APCO Insurance

Our Providers


The Colorado Distribution Group and APCO have been business partners for nearly nine years. During this time, we have developed a tremendous working relationship with APCO, and especially John Thomas. Not only does APCO handle all of our business needs, they also handle all of our personal insurance requirements. John has demonstrated absolute professionalism and a willingness to go the extra mile to fulfill any and all our requests. It is because of this exceptional customer service, that I highly recommend APCO to all which may inquire.
Steve Portman, President, The Colorado Distribution Group
Customer satisfaction at it's best! I could never get other insurance agencies to even return my calls and waited for weeks on end for quotes. Then I found APCO. John treats us as if we were his biggest clients! The knowledge he shared while starting our new business was invaluable! We will never go anywhere else!
Dawn and Bob Rochkes, Peak to Peak Taxi
Cheryl Baier has been the service representative to my company from APCO for the past three years, and prior to that did so for another company I worked for. In all that time she was prompt, helpful, and very knowledgeable in all matters of insurance and bonding. She provided our company the epitome of service, and always in a very cheerful manner.
David Gill, Division Seven Services
First, I want to mention that I sure have enjoyed doing business with you. Secondly, I wanted to tell you thank you for all of your hard work. We are all very pleased at your results. If your level of professionalism is characteristic of your firm, you have a great year ahead of you.
Richard Archer, RAGEnterprises
Cheryl Baier has been my Insurance agent for over five years. On a scale of one to ten, I would rate here customer service at 200! She is she is a very polite, professional, and extremely knowledgeable. I work for several companies that require lots of interaction, on an insurance level. Cheryl always hands my customers' needs in a very fast manor and with no problems. I have actually been told by one of my customers, that she is so great that they use me as an example for other contractors when getting insurance certs. Cheryl has treated me so well in the time I have known her that I feel like she is part of company and family, and I will continue to have her as my agent for the duration of my company.
Steve Litle, Light Connections
I have had the pleasure of using this agency for several years now. Cheryl, our personal agent, gives the highest level of customer service, which in so many industries today is completely missing. I have always had immediate response to any request I've made and Cheryl watches that we are getting the best rates available to us. I would, and have, recommended them in a heartbeat! Thanks you all for always providing such a great service.
Cheri Jahn, Colorado Housekeeping
I can't believe how wonderful you are! I never would have expected this type of customer service-you're the best and you are definitely going to be number one on my referral list!
Stephanie McDonnell, personal lines client