Build Your Business While We Protect Your Employees
Quickly Recover From Job-Related Mishaps with Our Unparalleled Coverage
Despite the safety precautions you have in place for your employees, work-related accidents or injuries can still happen. In such cases, you are responsible for the related expenses, including medical bills, lost wages, funeral expenses, etc.
However, if you have workers’ compensation coverage, these expenses will be covered, helping you run your business with peace of mind. Depending on your needs, you can either buy this policy separately or bundle it with your small business insurance.
Who Needs Workers’ Compensation Insurance?
Who Are Exempted From Workers’ Compensation Coverage?
As per the state law, workers’ compensation coverage in Colorado is optional for the following service providers or work:
- Domestic work for a homeowner if it is less than 40 hours per week or five days per week
- Railroad employees who are covered under federal law
- Maintenance or repair work for a business that costs less than $2000 per year
- Volunteers for ski area operators
- Commission-based real estate agents and brokers
- Residential host-home service providers
- Independent contractors
- Drivers under lease agreements where their carrier offers workers’ compensation coverage
Build Your Business While We Protect Your Employees
Our workers’ compensation insurance is designed to protect you and your employees after a workplace injury or accident.
It covers:
- Medical Bills – Pays for hospital stays, emergency room visits, medications, and surgical procedures
- Lost Wages – Reimburses part of your income during the recovery period
- Disability Expenses – Provides disability benefits to help employees pay their medical bills and replace some of their lost wages
- Ongoing Care Costs – Pays for physical therapy and other rehabilitation treatments
- Death Benefits – Covers funeral expenses and death benefits if an employee passes away after a work-related injury or accident
- Legal Expenses – Settles attorney fees, court fees, and other related costs on behalf of an employer if they are sued
We Are Committed to Protecting Your Employees Today and Tomorrow
Whether you are running a small business or own a large corporation, you can count on Riverbend Insurance for securing the right workers’ compensation coverage. With our personalized approach and professional services, we offer policies that address your current coverage needs while customizing them over time to meet your evolving needs. As your reliable insurance partner, we prioritize a trusting relationship with our clients by promptly addressing their concerns each time.
