How Can I Buy Workers' Compensation In Colorado? (Loveland, CO)

In Colorado, business owners have a few different options for purchasing workers’ compensation insurance — a policy that protects both employers and employees when a workplace injury occurs.

If you’re a large business, you may have the option to self-insure and handle claims through a third-party administrator. However, for the majority of Colorado businesses, this isn’t an option — which means you’ll need to buy a workers’ compensation and employers’ liability policy (a two-in-one coverage required by the state).

Option 1: Buy Through Pinnacol Assurance

Many people assume that Pinnacol Assurance, Colorado’s largest workers’ compensation insurer, only works directly with business owners. That’s not true! Pinnacol actually works closely with licensed insurance agents like us at The Weedin Agency.

By partnering with an independent agency, you gain access to expert guidance that can help you:

Classify your business correctly and avoid audit surprises at the end of the policy year.

Ensure your payroll and exposure are reported accurately.

Access competitive quotes from multiple carriers, not just Pinnacol Assurance.

Option 2: Work with an Independent Insurance Agency

As an independent agency based in Loveland, Colorado, The Weedin Agency can help you find the right workers’ comp policy — whether you operate solely in Colorado or across multiple states. For example, we’ve helped clients with operations in both Colorado and Montana secure a single policy that meets all state requirements, saving them time and money.

Whether you’re a small business or a multi-state operation, we’re here to simplify the process and ensure your coverage works for you.

📞 We’d be happy to review your workers’ compensation insurance options!

Call (970) 667-2145 or visit weedinagency.com