Workers' Compensation Insurance

The Colorado Office of Policy, Research and Regulatory Reform (COPRRR) is conducting a sunset review of the Workers' Compensation Classification Appeals Board. Analysis in a sunset review is performed to determine whether the regulatory program is necessary and should be continued, modified or eliminated. This review will produce a report with recommendations to the Colorado General Assembly and result in subsequent legislation based on the recommendations in the report. Your input is an important component of a successful sunset review. If you would like to submit comments online, please use COPRRR's comment form.

For 2020

The commissioner concludes it to be in the public interest to hold a public hearing with regard to the NCCI Loss Cost filing, as such the hearing is scheduled for September 24, 2019 from 9:00 a.m. to 11:00 a.m. in Room 110D on the 1st floor at 1560 Broadway, Denver, Colorado 80202.

Commissioner's Order for NCCI's Loss Cost Filing - Effective Jan. 1, 2020

NCCI Proposed Loss Cost Filing for January 1, 2020 (includes A-sheets)

2020 Colorado NCCI Filing - Merlinos & Associates Review

For 2019

Commissioner's Order for NCCI's Loss Cost Filing - Effecitve Jan. 1, 2019

NCCI Proposed Loss Cost Filing for January 1, 2019 (includes A-sheets) 

2019 Colorado NCCI Filing - Merlinos & Associates Review


2018 Information

2017 Information

About Workers' Compensation

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 purchasing workers' compensation insurance:

  • 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.

Colorado Division of Insurance - Limited Role in Workers' Compensation 

The Colorado Division of Insurance DOES NOT have jurisdiction over individual Workers' Compensation Claims. The Colorado Division of Workers' Compensation (CDWC), part of the Colorado Department of Labor and Employment, is the state agency responsible for administering and enforcing workers' compensation law in Colorado. The 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.

Division of Insurance Bulletin B-5.2: Guidelines to Provide Information to Policyholders on Workers' Compensation Classifications

Colorado Division of Workers' Compensation (CDWC) - Duties and Responsibilities

Have questions about a workers' compensation claim? Are you an employer looking for workers' compensation insurance? Visit the Colorado Division of Workers' Compensation website

  • Part of the Colorado Department of Labor and Employement and is responsible for administering and enforcing workers' compensation law in Colorado.
  • Establishes rules, procedures and programs to enforce the law and to resolve disputes that may arise between the employer and the injured worker.
  • Handles claims and claims-related issues
  • Determines that employers have workers' compensation insurance.
  • Oversees employers that self-fund their workers' compensation insurance. 

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.


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