Colorado Workers Compensation
Insurance in Denver and throughout Colorado

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.
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.
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.

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What does a general liability policy cover and what doesn’t it cover?
General Liability is limited coverage that protects your business from a number of risks, such as slip/trip and fall or other bodily injury, property damage your business is responsible for, construction defect (in Colorado) and advertising/libel/slander. There are a number of “add on” coverages available for most policies.
General Liability does not cover contractual liability, breach of contract, sexual harassment/wrongful termination or other employee liability risks or your professional expertise as examples. Please ask us for coverage options that would minimize these risks along with your General Liability policy.
How much does general liability insurance cost?
General Liability premiums are based on a number of factors within your business. Most premiums are based on your occupation class (roofer, restaurant, etc.) and your gross sales. A number of contractor occupations are covered with payroll and subcontracting costs as the premium basis. Some brick and mortar retail location or restaurant premiums are based on the square footage your business operates. It’s important to estimate these premium drivers as accurately as possible because most insurance carriers will audit the policy at the end of the term to see if they were overstated or understated. Please talk to an APCO representative about these factors and how we can save you money.
Is general liability insurance required by law?
Not usually, unless required as part of a license or permit (building department licensing, county building permits or USDOT trucking licenses as examples). Most businesses purchase the coverage because it’s required for business loans or leasing office space. It’s also just good business practice to cover your business for common liability issues because these can put you out of business.
Why do I need general liability insurance?
You need General Liability business to protect your business and you personally from legal liability on common risks. Each occupation is different and provides different risks. A Roofing contractor has inherently more risk than an account office on the property damage and bodily injury side, but an accountant’s office has more risk of causing financial loss than a roofer does. It’s important to work with APCO Insurance to identify and cover the risks lurking for your type of business.
How much does it cost to get worker's compensation insurance?
Cost for Workers Comp is based on your employee’s occupations and your payroll. Additional factors like loss history and length in business also affect premiums.
Do I need worker's compensation for my small business?
If you hire and pay employees, you need Workers Compensation. This is required by the state. If you are a business-owner only organization, you don’t need Workers Compensation unless required by a contract.
How does the worker's compensation insurance work?
Workers Compensation generally has two components, coverage for your employees’ medical expenses for an injury that occurs at work and coverage for the employee’s income lost from missing work. Workers Compensation helps a business owner pay for employees that are out with injury and allows the business owner to temporarily fill their position without extra expense.
Who has the lowest premiums for Workman’s Comp?
It’s important to work with an independent agent or broker to identify the best value. APCO Insurance is appointed with more than a dozen Workers Compensation providers and will shop the market for your best available option.