Protect your employees and your business with Pinnacol's workers' compensation insurance.

Accredited Businesses receive a special discounted rate.

All businesses with employees operating in Colorado are required to have workers’ compensation insurance.

Minimum experience

• Two full-term policy periods of continuous workers’ compensation experience, excluding current period

Maximum loss ratio

• ≤ 55% net uncapped loss ratio in either:
• All but one full-term policy period, using up to four most recent, full-term policy periods; or
  
• Cumulatively using up to the four most recent, full-term policy periods
• Experience excludes the current policy period
• Losses evaluated up to nine months after policy expiration date

Pinnacol-approved safety seminar attendance

• In order to receive the 4% discount on your workers’ compensation premium, you must attend two safety seminars per policy year. Training is planned for locations in Denver, Northern Colorado and the mountain communities. Online training is also available but must be approved by Pinnacol Assurance. Two per year, minimum

Underwriting evaluation of safety and claims management program

• Provide proof of effective hiring, risk and claims management programs
• Demonstrate management commitment to creating a safe workplace
• Implement a return-to-work program
• Designate and utilize Pinnacol SelectNet providers
• Rural exception for physical locations without a SelectNet provider within 30 miles.

Colorado-based business

• Only businesses based in Colorado are eligible for the Safety Group Program