Workers' Compensation Insurance

For 2018

Commissioner's Order for NCCI's Loss Cost Filing - Effective January 1, 2018 

2018 Colorado NCCI Filing Review - Merlinos

NCCI Proposed Loss Cost Filing for January 1, 2018

NCCI A-Sheets for Proposed Loss Cost Filing for January 1, 2018


2017 Information

About Workers' Compensation:

The Colorado Division of Insurance does not have jurisdiction over individual Workers' Compensation Claims. These claims are handled by the Colorado Division of Workers’ Compensation (CDWC) in the Department of Labor and Employment. The CDWC is the state office responsible for administering and enforcing the workers’ compensation law in this state. For general information on Workers' Compensation please visit the Colorado Department of Labor and Employment Division of Workers' Compensation. A link is provided above.

Looking for more information about Workers' Compensation Insurance?

The Division of Workers' Compensation is part of the Colorado Department of Labor and Employment.

If you have questions about a workers' compensation claim, or are an employer looking for workers' compensation insurance, you may find the information needed on the Workers' Compensation website. As the agency overseeing workers’ compensation in this state, the Division of Workers' Compensation establishes rules, procedures and programs to enforce the law and to resolve disputes that may arise between the employer and the injured worker.

Workers' compensation coverage provides employers and employees with medical care, death benefits, and lost wages for work-related injuries. In general, Colorado law requires that all employers carry workers' compensation insurance. However, certain exceptions to this requirement may include: a sole proprietor or any general working partner; a corporate officer; or a member of a limited liability company.

Tips for purchasers of workers' compensation insurance include:

  • shopping around and talking to several licensed agents and companies;
  • reading policies and disclosures;
  • identifying the various services an insurance company provides;
  • considering a deductible;
  • and maintaining a good loss history through a safe work environment.

The Colorado Division of Insurance is responsible for:

Monitoring the financial condition of the insurance industry, overseeing the Classification Appeals Board which handles classification and experience modification disputes, approving the annual NCCI loss cost filing, reviewing rate and form filings submitted by individual insurers, and handling complaints regarding rate or premium-related issues.

The Colorado Division of Workers' Compensation is responsible for:

Determining that employers have insurance, handling claims-related issues, and overseeing self-insured employers . Please click the Related Links button to the left to access the Colorado Division of Workers' Compensation, the U.S. Department of Labor, and the National Council on Compensation Insurance (NCCI.)

Workers' Compensation Classification Appeals Board

The workers' compensation classification appeals board hears grievances brought by employers against insurers and Pinnacol Assurance concerning the calculation of experience modification factors and classification assignment decisions.

Division of Insurance Bulletin

B-5.2 Guidelines to Provide Information to Policyholders on Workers' Compensation Classifications


Contact Information
Division of Insurance, Colorado Department of Regulatory Agencies
1560 Broadway, Suite 850
Denver, CO 80202