Protect Your Team and Comply With Colorado Law

Workers’ Comp Isn’t Optional in Colorado

It’s required—and it protects more than you think

In Colorado, any business with employees must carry workers’ compensation insurance. This policy helps cover medical expenses, wage replacement, and recovery costs if an employee gets hurt on the job. Freedom Insurance helps businesses across Colorado Springs, Pueblo, and Teller County set up workers’ comp policies that meet state law and support team wellbeing.

What Workers’ Comp Covers

Coverage that protects you and your employees

 A standard policy includes:

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Medical treatment for job-related injuries or illness

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Lost wages while an employee is recovering

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Rehabilitation services, if needed

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Disability or death benefits

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Legal defense in the event of employee lawsuits related to workplace injuries

We’ll help you understand what’s covered, how to calculate your premium, and how to handle seasonal or part-time workers.

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Who Needs Workers’ Compensation in Colorado

If you pay wages—you need coverage

Most Colorado employers are required to carry workers’ comp—even if:

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You have just one employee

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Your team includes part-time or seasonal workers

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You pay workers as 1099 but legally control how they work

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Your employees are family members

We’ll help ensure your policy meets Division of Workers’ Compensation (DWC) standards and avoid costly penalties.

Workers’ Comp in Colorado

What local employers ask most

  • Is workers’ comp required for 1099 contractors?

    Not always—but if you direct their work or schedule, they may legally qualify as employees. We’ll help you clarify.

  • Can I exclude myself from coverage?

    In some cases, yes. Corporate officers or LLC members may file an exemption.

  • How are premiums calculated?

    Premiums are based on payroll size, industry classification, and claims history.

  • What happens if I don’t have coverage?

    You could face steep fines, legal liability, and personal exposure for medical costs.

  • How quickly can I get coverage?

    Often same-day. We’ll gather some basic payroll and job role info and submit quotes immediately.