What is Workers' Compensation?
Workers’ compensation insurance provides medical and lost wage benefits to workers who are injured on the job. All businesses with employees operating in Colorado are required to have workers’ compensation insurance, regardless of the number of employees, whether the employees only work part-time, or if they are members of the same family. Workers’ compensation insurance is purchased by an employer from an insurance agent, much like liability or auto insurance. The cost of workers’ compensation insurance cannot be passed on to employees.
Requirements for Employers
Employers, if you have one or more employees working for you in Colorado, you must have workers’ compensation insurance and maintain it at all times. This applies to all employers, whether the employees are part-time, full-time, or family members. Colorado has additional insurance requirements for businesses in the construction industry. Failure to carry insurance could result in fines.
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Accessibility Information and Requests
To learn more about the Colorado Department of Labor and Employment's accessibility initiative and to request accessible copies of resources, please visit the State of Colorado Accessibility Statement.
Important Resources
Contact Us
Division of Workers' Compensation (DOWC)
633 17th Street, Suite 400
Denver, CO 80202
303-318-8700
1-888-390-7936 (Toll-Free)
Email the DOWC at cdle_wccustomer_service@state.co.us
View additional DOWC contact information
Have a complaint? Please email cdle_wc_complaints@state.co.us.