Workers' Compensation

The State of Colorado requires that all organizations that have hired employees must purchase workers' compensation insurance. In some instances, you may also have to cover contract employees. The benefits payable to an injured employee are determined by the State Legislature. An injured employee must prove he was on the job at the time of the incident; he is not required to prove the employer is liable. The premium is based on the employee's job requirements and salary.

Colorado NONPROFIT Association has joined forces with Pinnacol Assurance to offer a group insurance option designed to reduce workers' compensation costs by promoting risk management and accident prevention plans in the workplace. Each member's premium is based on their own individual loss experience. Member costs under the Pinnacol Assurance group plan will never be more than they would be as a non-participant. Services range from educational seminars, safety programs, fraud prevention and detection to underwriting, claims management and legal services. Premium discounts are available to Colorado NONPROFIT Association members.

All claims should be reported immediately. To find our more about the easy reporting of claims to go to Pinnacol and look in the Employers' Guide.