Why Colorado
Workers' Comp?

Injuries are no fun. But neither is being liable or without a paycheck as a result of a work injury.


Workers' comp protects both employees and employers.

What is workers' comp insurance?

Workers’ compensation insurance protects employers and employees in the event of an accident. It covers medical care and certain lost wages—and safeguards employers from being sued.

Who needs workers' comp insurance?

Most states, including Colorado, require that all businesses carry workers’ compensation coverage as soon as they hire their first employee. Cake is currently available for businesses that operate in the state of Colorado, as well as other states they may operate in nationwide.

Why is workers' comp important?

Workers' comp ensures employees receive the care and treatment they need to get healthy. A business owner can't protect against everything that could happen, so workers' comp is there in the event of a workplace injury. And in the event of an unfortunate work-related death, workers’ compensation pays benefits to the family.

The name says it all: “workers’ comp” provides compensation for workplace injuries, while health insurance and disability apply to non-work related injuries.

Most health insurance companies will not cover injuries and illnesses that are covered by workers’ compensation policies.

What’s does workers' comp cover?

Medical costs related to an on-the-job injury or illness

A portion of lost wages

Retraining costs when an injured employee returns to work

Related legal fees

What’s not under workers' comp?

Medical costs for certain non-traditional employees, including interns or volunteers

On-the-job injuries due to alcohol or illegal drugs