Workers’ compensation insurance provides coverage for a safe, productive workplace.

Cover employees from work-related accidents and illnesses with workers’ compensation insurance.


Acquire workers’ compensation insurance for your business.

Workers’ compensation insurance is not just a legal requirement, it’s an investment in the safety and security of your employees. Without it, your business could face expensive lawsuits. Fortunately, you can help safeguard your business by providing insurance to your employees.

Required coverage in most places.

The precise rules vary from place to place, but the general rule is that your business must take out insurance for employees that pays out if they are injured at work. This means that should an employee be injured on the job, they may be covered. In addition, retaining skilled and experienced employees is important for any type of business, so having the proper coverage in place helps your business in the long term.


What does workers’ compensation insurance cover?

As a business owner, knowing the risks of injury is one thing, but understanding what workers’ compensation covers is equally important. In principle, payouts typically cover medical bills, care costs, and a portion of any lost wages. Plus, in the worst-case scenario, it may cover funeral costs and death benefits.

The risks you face without insurance.

Many policies go beyond the legal minimums and may also pay your legal costs if an employee sues your business over a workplace injury. This is an important safeguard to help protect your business.

What injuries are covered by workers’ compensation insurance?

Injuries that occur while on the job may be covered, whether they are caused by auto accidents, natural disasters, illnesses, toxic chemical exposure, or violence in the workplace.

How much does workers’ compensation insurance cost?

The costs associated with your policy may vary depending on your industry, the location of your business, and the frequency of past injuries.

Workers’ compensation combines with other policies.

While you can get standalone policies, you can also often get coverage as an add-on to other policies. These include business owners insurance policy (BOP), general liability insurance, and professional liability insurance.

Are you looking for workers’ compensation insurance for your business? Contact us to get started.

Frequently Asked Questions (FAQs) - Workers Compensation Insurance

Workers Compensation Insurance is a type of insurance that provides wage replacement and medical benefits to employees injured in the course of employment.

Any business that has employees typically needs Workers Compensation Insurance. It is mandated by law in Colorado and most other states.

It typically covers medical expenses, rehabilitation costs, and lost wages for employees who get injured or become ill due to their job.

Yes, in most states, businesses with employees are required to carry Workers Compensation Insurance. The state of Colorado requires Workers Compensation insurance if you have one or more employees.

If you don't have Workers Compensation Insurance and an employee gets injured, you could face heavy fines, legal penalties, and even criminal charges.

The cost is determined by several factors including the number of employees, type of work, state requirements, and your company's claim history.

Yes, it covers both short-term and long-term injuries and illnesses, including those that result in permanent disability.

It covers both injuries and illnesses that are the result of work-related activities.

Typically, by accepting workers' compensation insurance, an employee forfeits their right to sue the employer. However, there are exceptions, so it's best to consult with a legal professional.

Most full- and part-time workers are covered, but there can be exceptions, such as independent contractors, volunteers, or family members.

In some states, employees have the right to reject the coverage in writing, but it's usually not recommended.

The employee should report the injury to their supervisor as soon as possible and seek immediate medical attention if needed.

This depends on the specific policy. Some policies may cover out-of-state injuries, while others may not. Check with one of our experienced agents to get more information about available policies.

Workers Compensation Insurance typically does not cover injuries that occur outside of work, such as those that happen while commuting or on a day off.

The time limit varies by state, but it's generally best to file a claim as soon as possible after the injury occurs.

If an employee refuses suitable work, they may lose their workers' compensation benefits. It's important to communicate and work with the employee to facilitate their return to work.

It may cover mental health issues if they are directly related to a work-related physical injury or traumatic event. The rules vary by state and policy.

An audit is conducted to verify that you've paid the correct amount for your Workers Compensation Insurance. It checks your records and classifications of employees.

Maintaining a safe workplace, implementing a return-to-work program, and properly classifying employees are some ways to potentially lower costs.

You can purchase Workers Compensation Insurance through Lautenbach Insurance. Our experienced agents will get to know your businesses needs and work with you to find coverage to fit your needs. To get started, give us a call at 303-798-2534 or click here to get a quote

Why We're Different

While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy tailored to you.

After all, there’s no such thing as a one-size-fits-all insurance policy when it comes to your business.

Contact us today, and we'll help you protect what matters most.