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Colorado Insurance Blog

Why Your Business Needs Worker’s Compensation Insurance

When you’re the pawner of a business, there are a lot of responsibilities that you have. One is to get a suitable type of insurance to protect yourself and your business. One of the essential types of commercial insurance is worker’s compensation insurance. This offers valuable coverage that no business owner should ever be without. To get started with a policy for your business, call us at AFI Insurance in Denver, CO.

Worker’s Compensation Laws

One reason that you need this type of insurance is that the state of Colorado mandates it. Every business with any number of employees, even just one, must have this insurance protection. In Colorado, anyone who does work for the company is considered to be a business employee. This coverage is highly necessary because of the cost of accidents and other incidents at work. If you have an employee who has an accident at work and gets injured or gets an illness related to their work, this insurance will pay for their medical bills and other assorted costs. 

Double Protection

When you have a worker’s compensation insurance policy, it protects both sides. It protects you and your business by taking care of what could be expensive medical bills. It also protects the employee by ensuring that the funds are available to them if they need them after an accident. This means the employee won’t have to sue you to recover the necessary funds for their medical bills. They will instead work with the insurance company to ensure that the bills are taken care of. 

Get Worker’s Compensation Insurance

When you’re in the market for a worker’s comp policy, call us to get started. We’re available at AFI Insurance in Denver, CO to help you get started.



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