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Colorado Workers Compensation Insurance in Denver and throughout Colorado

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At APCO Insurance, we understand that a business’s daily operations are dependent on the hard work, dedication, and expertise of its employees. While risk is an inherent part of any business, should an employee be injured while on the job, the employer could be held liable for costly expenses. With a workers compensation policy from APCO Insurance, businesses have the peace of mind that they are properly covered should an accident happen at the workplace.

We regularly insure businesses of all shapes and sizes in the Denver Metro area, Castle Rock, Fort Collins, Colorado Springs and the surrounding areas.

Protecting Your Employees with Workers Compensation Coverage

From slips and falls to car accidents, injuries can happen at any workplace. In Colorado, state law mandates that businesses hold workers compensation insurance to cover medical payments and lost wages. The right policy will protect both employers and employees in the event of an accident.

When matching a business with coverage, we believe in taking a consultative approach. In addition to reviewing exposures and coverage gaps, we also help businesses answer important questions such as, “what is my agent doing to offset my workers compensation expense? How can we reduce the cost? What can my insurance company do to educate my employees on online safety? Are there any general health initiatives to encourage long-term health for my employees?

It is important that our clients understand how they ultimately affect their premium over time. When matching a business with coverage, we will also help them implement a plan to reduce costs. By displaying an effort in employee safety, a business will be rewarded with lower premiums over time. We can also provide audit assistance, loss control, safety meetings and E-Mod services to reduce overall cost. For more information on our products and services request a quote.

Knowledgeable Agents Working for Your Business

Our team of agents are both knowledgeable and devoted to providing businesses with personalized attention. Our agency principal, John Thomas, worked as a painting and drywall contractor and has addition prospective on the risks facing the construction industry. Once we have a policy in place, we will conduct annual reviews as even a payroll change could affect a business’s coverage.

Contact us or visit our workers comp informational page to learn more.

Additional Resources

Colorado Division of Insurance

Insurance Buyer’s Guides (The National Association of Insurance Commissioners (NAIC))

Small Business Insurance Details and Resources (The U.S. Small Business Administration (SBA))



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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