At Welsh Insurance Agency, we help Colorado businesses secure workers’ compensation coverage that meets state requirements while supporting the long-term health of their operations. Whether you’re a contractor, retailer, office, or growing company with a diverse workforce, our team compares policies from top carriers to find the right balance of protection, cost, and flexibility.
We take the time to understand your business’s payroll, job classifications, and risk exposure so your custom policy is accurate, competitive, and built for your specific industry. As your business evolves, we’re here to review your coverage, help control premium costs, and guide you through the claims process when needed.
Your workers’ compensation rate is based on three main key factors such as:
- Payroll by job classification:
Each type of work — from office staff to carpenters — is assigned a different rate based on risk. - Employee job duties:
Accurate classifications are critical. Incorrect class codes can significantly increase your premium. - Owner inclusion or exclusion:
In Colorado, owners and officers can choose whether to be included in coverage. The state-assigned payroll amount for owners can have a major impact on your total cost, and we’ll help you determine the most cost-effective option.
For Fort Collins, Loveland & surrounding Colorado communities, workers compensation is more than essential, it’s a key part in protecting your team and operation.
Contact our Fort Collins office today to get started.