top of page

Workers Compensation Insurance

Why Do I Need It?

  • Do you have an employee?  Most states require businesses to have some sort of WC policy. If you're in Colorado we have a couple local providers as well. 

  • Defense Costs: From small tech problems that cause clients to open a case to advertising and copyright suits.

  • Medical Expenses: Can help mitigate small claim costs due to personal injuries. 

  • Data Breaches: Basic coverages that can be expanded to limit any loss of valuable electronic data.

worker smiling with tools

What's Covered?

  • Employee Work Illness & Injury Expenses: Any claims resulting from employees sick or injured, or lost revenue from temporary lack of productivity.

  • Employee Injury Lawsuits: Professional mistakes due to services provided is under a separate professional liability policy. (However, general mistakes made by employees and temporary staff is usually covered.)

Other Coverages Included:

  • Ongoing care (including medication and rehabilitation).

  • Missed wages (often partial) during recovery.

  • Funeral expenses for fatal incidents.

  • Death benefits to support the deceased's family.


All commercial policies are different and require an experienced approach to make sure you aren't leaving yourself open to any unintended risks. Having a local broker who can sift through the marketplace effectively is a necessity for today's shifting environments.


Do you really want a random agent from the carrier handling your best interests?

Shop Local. Shop Smart.

The Bottom Line is

We've Got You Covered.

bottom of page