required. also right.
Colorado requires workers comp for essentially every business with employees — including part-time, including family, starting from employee #1. It pays medical costs and lost wages for work injuries, and it protects you from the lawsuits those injuries would otherwise become.
10+ carriers compared
workers compensation insurance, done right.
medical & wage benefits
Work injuries treated and wages partially replaced — the social contract of employment.
employer liability protection
Comp is the exclusive remedy — carrying it shields you from most injury suits.
audit-friendly setup
Premiums ride on payroll; we classify roles correctly up front so year-end audits are boring.
good to know, colorado edition.
Misclassifying employees as contractors is Colorado's most expensive small-business shortcut — back-premiums, penalties and uncovered claims. If you direct how and when someone works, plan on comp; we'll help you classify defensibly.
price it for me →
asked constantly.
I only have one part-time employee. Do I need workers comp?
In Colorado, almost certainly yes — the requirement starts at one employee with narrow exceptions. Penalties for going bare are severe and personal.
How are premiums calculated?
Payroll × classification rate × experience modifier. Getting class codes right matters enormously — clerical and roofing differ by orders of magnitude.
What about subcontractors?
If your subs lack their own comp, their payroll can land in your audit. Collect certificates from every sub — we'll set up the discipline.
two minutes to real numbers.
Free workers compensation insurance comparison across 10+ carriers — in English, Español, 한국어 or မြန်မာ.