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Who Needs Umbrella Insurance?

Answering the Most Frequently Asked Question About Umbrella Coverage: Who Need Umbrella Insurance?


  • Who needs umbrella insurance? Let’s break it down:
    • Umbrella Insurance Basics:
      • Provides extra liability coverage beyond existing policies, if not specifically excluded on your umbrella. Always check your policies for exclusions.Not just for the wealthy – everyday folks benefit too.
      Who Needs It?
      • Homeowners: Protect against accidents on your property.Car Owners: Cover damages exceeding auto insurance limits, if you are at fault for an accident.  Please check your policy for exclusions.Pet Owners: May guard against liability for pet-related incidents.Landlords: Safeguard rental properties from tenant-related risks.High-Net-Worth Individuals: Protect significant assets from lawsuits.
    • Why It’s Important:
      • Acts as a safety net for life’s unexpected events.
      • Provides peace of mind and financial protection against lawsuits.
      • Better to have it and not need it than to need it and not have it.

“Umbrella insurance” ¾ maybe you’ve heard that term thrown around before, or maybe you’ve been seriously considering this type of coverage. But who needs umbrella insurance, really? Is this type of coverage for everybody? Is it right for you?  Let’s break it down together.

Umbrella Policy Basics

Consider this for a minute: you have your regular insurance policies for your car, your house, and maybe even your furry friend. But what if something major happens (like a lawsuit) and your regular coverage just isn’t enough to cover the damages? That’s where umbrella insurance can help. Think of it as an extra layer of protection that offers coverage where your other policies do not. So, whether it’s a gnarly car accident, a slip-and-fall on your property, or your dog getting a little too nippy with the neighbor, umbrella insurance has you may have you covered in-full.

Who Needs Umbrella Insurance, Anyways?

Umbrella insurance isn’t just for CEOs or millionaires. It’s for everyday folks like you and me who want an extra layer of protection against life’s unexpected curveballs. So, who needs umbrella insurance? Let’s list a few types of people who would benefit most from this type of coverage:

1). Homeowners

If you own a home, then you probably already have homeowners insurance. But what happens if someone slips and falls on your property, or your dog decides to take a nip out of the mailman? That’s where umbrella insurance steps in to cover you when your homeowners policy maxes out.

2). Car Owners

Let’s face it: accidents happen. Even the most cautious drivers can find themselves in a fender-bender, or worse. If you’re at fault in a car accident and the damages exceed your auto insurance limits, umbrella insurance kicks in to cover the difference, saving you from financial ruin.

3). Pet Owners

Speaking of dogs, our furry friends can sometimes get us into trouble. If your pooch happens to bite someone, you could be looking at hefty medical bills and legal fees. Umbrella insurance can (or may) help cover these costs, so you can focus on getting Fido the training he needs (and maybe a few extra treats).

4). Landlords

Renting out your property can be a lucrative venture, but it also comes with risks. What if your tenant throws a wild party and damages the house, or worse, someone gets injured on your property? Umbrella insurance provides an extra layer of protection for landlords, ensuring that you’re not left footing the bill for someone else’s mistake.

5). High-Net-Worth Individuals

Umbrella insurance is a popular choice amongst the wealthy. But even if you’re not rolling in the big bucks, you can still benefit from an umbrella policy. If you have significant assets like savings, retirement accounts, or valuable property, umbrella coverage is a smart investment to protect your hard-earned wealth from lawsuits and costly accidents.

Get a Quote on Umbrella Insurance Today

So, who needs umbrella insurance? The answer is simple: most people! If you have assets that are valuable enough to you to protect, then it’s worth considering umbrella coverage. But if you still have questions, then don’t worry. That’s what we’re here for!

At Avalue Insurance, we’re passionate about equipping our fellow Coloradans with insurance confidence. We’ll educate you about your coverage and help you determine whether or not an umbrella policy is right for you. Get in touch with us today to learn more! You can request a consultation right away, or reach us via phone or email:  

(303) 773-3332

Empowering the Next Generation of Local Entrepreneurs

Anyone who knows me knows that I love working with CrossPurpose. It’s the perfect opportunity for me to give back to the local community both as a business woman and as, well, a woman! But not many people know that I am also involved in CrossPurpose’s Change Agency program, acting as a mentor to aspiring entrepreneurs. I’m thrilled to be a part of the program, and I’m excited to share my journey as a volunteer and mentor.

Why I Love CrossPurpose

For those of you who are new here, CrossPurpose is a non-profit organization that is committed to abolishing poverty through various career and community development efforts. This neighbor-loving movement has seen over 929 alumni graduate from their Leader programs, and it has collectively generated over $20.7M in annual wealth. Since its inception in 2012, CrossPurpose has facilitated an average wage growth of 151%.

When I first discovered CrossPurpose, I knew it was the perfect fit for me. Since joining forces with this incredible organization, much of my time has been spent as a mentor, walking alongside the next generation of entrepreneurs. It’s been an absolute privilege to work with some of the most remarkable people that Denver has to offer, cheering them on as they defy the odds and pursue their career aspirations. Witnessing their unwavering resilience has been nothing short of inspiring, and to be honest, I can’t get enough of it! So, when I saw an opportunity to extend my reach through the Change Agency program, I took it.

Why I’m So Excited About the Change Agency   

In 2018, CrossPurpose launched a career development program called the Change Agency. It functions as an entrepreneurial training program for CrossPurpose graduates. This nine-month journey equips participants (known as “Change Agents”) with the tools, training, and coaching needed to develop their businesses. From ideation to financial planning, Change Agents receive comprehensive support at every stage of the entrepreneurial journey.

To date, the Change Agency has risen up 15 new companies and non-profits, seven of which have added 34 new jobs to Colorado’s economy. These companies continue to add value to our local economy, and they are currently serving over 5,800 Coloradans.  

The culmination of the Change Agency program is Pitch Night, a thrilling event where Change Agents present their ventures to a panel of expert “Dolphin” leaders and potential investors. (Think Shark Tank, but with less cameras and dramatic cutaways). This year marks our fifth-ever Pitch Night, scheduled for August 28, 2024. All of the funds raised on Pitch Night will go straight to the entrepreneurs after they have completed their pitches.  

As a mentor in the program, I’m rooting especially hard for my mentee this year: Mercedes Corvarrubias. With her troubled past behind her and a steadfast mission in front of her, Mercedes plans to start her own bookkeeping business for local businesses in the start-up phase. 

To me, Mercedes is not just a mentee; she’s an inspiration.

More on her story next time, though.

For more information on CrossPurpose and the Change Agency program, please visit their website here.

Home or Away Home Insurance is Always There

Home Insurance: Peace of Mind and Protection with Avalue Insurance

At its core, home insurance offers two distinct benefits: assistance during circumstances that require it and peace of mind knowing support is available when needed. Avalue Insurance is committed to providing homeowners across the Centennial, CO area with reliable home insurance solutions they can trust.

Going Beyond Home Protection

Home insurance extends its utility beyond expensive repairs for property and storm damage or addressing liability issues. While these aspects are significant, home insurance covers more. Along with providing a trusted partner during critical times, it also protects your investment.

A central question is, how much did you pay for your home? What was the cost of constructing that pool, deck, or renovation project? For most of us, our homes represent our largest investment. Therefore, it’s of paramount importance to safeguard this investment with well-thought-out home insurance solutions.

Home Insurance and Community Concerns

Increasing crime rates in your community or even just hearing about break-ins can contribute to anxiety. Concerns like these often hinder your peace of mind, particularly when planning extended vacations. Fortunately, home insurance plays an integral role in alleviating these worries, offering another layer of protection atop your home insurance needs and concerns.

Trust in Avalue Insurance’s Home Protection Services

No matter how safe we are or how many precautions we take, there are some unexpected situations we cannot foresee. Thankfully, whether you’re home or away, Avalue Insurance offers insurance solutions at your service. Homeowners in the Centennial, CO area can contact us to find out more about Avalue Insurance’s home insurance plans. Secure your home today with Avalue Insurance.

Individual Life Insurance vs. Permanent Life Insurance

Which Coverage is Right for Me?

So, you’re thinking about getting life insurance. Smart move! But before you sign up for a policy, it’s important to understand the main differences between two very popular types of life insurance: individual term and permanent life insurance. While they’re both life insurance, they’re not one and the same. Knowing the difference can save you a headache (and maybe even some cash) down the line.

Individual Term Life Insurance

First up, we’ve got individual term life insurance. This type of policy is pretty straightforward – your policy covers you for a set period (usually anywhere between five and 30 years). If you pass away within that set period of time, then your beneficiaries get a payout. Individual life insurance policies are typically offer lower premiums, making them a particularly popular choice.

Permanent Life Insurance

With permanent life insurance, you’re in it for the long haul – your coverage lasts your whole life or up to a certain age like 101 (hence the name). It also comes with a cash value component, meaning a portion of your premiums goes into a savings account that grows over time.

Weighing the Differences

So, what sets individual and permanent life insurance apart? Well, besides the whole “temporary vs. lifelong” thing, there’s also the matter of cost. Individual life insurance tends to be cheaper upfront since you’re only paying for coverage for a set period of time. On the flip side, permanent life insurance can be pricier since it covers you for your entire life and includes that cash value component.

Now, here’s the million-dollar question: which one is right for you? Well, it depends on your needs and financial goals. If you’re young and healthy and just looking to cover your bases for a few decades, individual life insurance might be the way to go. But if you’re thinking long term and want the added security of lifelong coverage and a cash value component, permanent life insurance could be perfect for you

Don’t Go It Alone – Get Expert Advice!

Feeling a bit overwhelmed by the choices? Hey, no shame in that – life insurance can be confusing stuff! That’s where we come in. At Avalue Insurance, we’re a team of local insurance professionals in northern Colorado. We’re here to help you navigate the ins and outs of life insurance and find the perfect policy for you. Get in touch with us a call today and let’s get you the right coverage for you and your family!

Frequently Asked Questions About Homeowners’ Insurance

Your Ultimate Guide to Homeowners’ Insurance: Your Top Questions Answered

Homeowners’ insurance may not be the most thrilling topic, but it’s definitely an important one. Be it a single home or a family home, your home deserves the best possible coverage. That’s why we’re here to answer some of the most common homeowners’ insurance questions. So, let’s talk homeowners’ insurance and how you can be sure you’re getting the best policy for your home.

What Does Homeowners’ Insurance Typically Cover?

Homeowners’ insurance covers damage or loss to your house and personal belongings caused by events like fire, theft, vandalism, and even certain natural disasters. But here’s the kicker – not all policies are created equal. Make sure you know the specifics of what your policy covers (and what it doesn’t) before signing on the dotted line.

How Much Coverage Do I Really Need?

Ah, the million-dollar question. The answer? It depends. Factors like the value of your home, your personal belongings, and even where you live can all influence how much coverage you need. Don’t just wing it – take the time to assess your needs and consult with an insurance agent to determine the right amount of coverage for you.

What’s the Deal with Deductibles?

Deductibles can be a bit confusing, but they’re essentially the amount you’ll have to pay out of pocket before your insurance kicks in to cover the rest. Generally, the higher your deductible, the lower your premiums – but keep in mind that you’ll need to have that cash on hand in case disaster strikes.

Are There Any Discounts Available?

Who doesn’t love a good discount, am I right? Many insurance companies offer discounts for things like having a security system, bundling your home and auto insurance, or even just having a good credit score. Don’t be shy – ask your insurer about any potential discounts you might qualify for and watch your premium drop.

What About Liability Coverage?

Let’s talk liability (a.k.a, the stuff nightmares are made of). Liability coverage can protect you financially if someone is injured on your property or if you accidentally damage someone else’s property. Trust us, you don’t want to skip out on this one; it could save you a world of financial hurt down the line.

Still Have Questions About Homeowners’ Insurance? Let Us Help!

The key to getting the best deal on your policy is to ask questions, compare quotes, and never settle for less than you deserve. That’s why we’re here to help you navigate your homeowners’ insurance options. If you’re feeling overwhelmed by options or still have several unanswered questions, then talk to our insurance experts here at Avalue Insurance! Give us a call today, or request a call-back! 

Common Car Insurance Questions (and Answers)

Clearing Up the Confusion: Your Top Questions Answered

Car insurance can sometimes feel like a maze of confusing terms and complicated jargon. And if we’re being honest, that’s basically what it is — unless you’re an insurance agent, of course. That’s why we’re here to clear a few things up. Let’s talk about some of the most commonly asked car insurance questions (and easy-to-understand answers).

1). What does car insurance actually cover?

Car insurance can cover a multitude of things, but most policies typically covers three main things:

  • Liability: This covers damage you cause to other people’s property. It also covers other people’s injuries in an accident where you were at fault.
  • Collision: This covers damage to your own car in a collision, regardless of who’s at fault.
  • Comprehensive: This covers damage to your car from incidents like theft, vandalism, or natural disasters.

2). What factors affect my car insurance premium?

Several factors can influence your car insurance premium, including:

  • Your driving record: Accidents and traffic violations can increase your premium.
  • Your age and gender: Younger drivers and males typically pay higher premiums.
  • Your location: Living in an area with high crime rates or heavy traffic can increase your premium.
  • Your vehicle: The make, model, and age of your car can affect your premium. The newer your vehicle, the more expensive it is to cover it (which means higher premiums). On the flip side, older and/or safer vehiclesmay berewarded with lower premiums

3). Can I get discounts on car insurance?

Yes! Many insurance companies offer discounts for various reasons, such as:

  • Bundling your car insurance with other policies.
  • Having a clean driving record.
  • Enrolling in a safe driving program with your auto carrier to track your driving habits and save on your premium.
  • Completing a defensive driving course.
  • Installing safety features in your car.

4). Do I need car insurance if I don’t drive often?

Yes. Even if you don’t drive often, you still need to have car insurance. Most states require you to have at least liability coverage to legally drive. But aside from being a legal requirement, car insurance is also just a great financial decision. It’s a must for anyone who can’t afford to pay out-of-pocket for losses and damages (and spoiler alert: that’s most people).

5). What happens if I’m in an accident and don’t have insurance?

If you’re in an accident and don’t have insurance, you could face severe consequences, including:

  • Financial responsibility for damages and injuries.
  • Legal penalties, such as fines, license suspension, or even jail time.
  • Difficulty obtaining insurance in the future and higher premiums.

6). How can I lower my car insurance premium?

There are several ways to lower your car insurance premium, including:

  • Shopping around for the best rates.
  • Increasing your deductible.
  • Taking advantage of discounts.
  • Maintaining a clean driving record.

7). How do I find a good policy?

That’s where we can help. Avalue Insurance is a team of insurance pros who love helping people find policies that they can feel good about. Our friendly team is here to help you find the perfect coverage for your wants, needs, and budget. Let us take the confusion out of car insurance. Contact us today to speak with one of our car insurance specialists in Colorado! 

10 Things We All Hate About Insurance Shopping

Let’s face it: shopping for insurance isn’t exactly everyone’s idea of a good time. Whether it’s deciphering complicated jargon or sifting through countless policy options, there’s plenty to dislike about the process.

Being in the insurance industry ourselves, we’ve noticed several things about the insurance shopping process that we don’t like. And if you’re like most people, then you probably aren’t a fan of these things, either. Let’s talk about the top 10 things that we all hate about insurance shopping, as well as how you can navigate the insurance market more efficiently.

1). The Insurance Lingo Limbo

Have you ever felt like you need a dictionary just to understand your insurance policy? You’re not alone. The first thing that often irks people about insurance is the complex terminology. From “premiums” to “deductibles” and “exclusions,” it’s like learning a new language.

2). The Price Rollercoaster

Why does one policy cost a small fortune while another seems like a steal? Insurance premiums can feel like a mysterious black box where prices vary wildly. It’s frustrating not knowing why, and it makes comparing policies a headache.

3). Overwhelmed by Options

We love options, but sometimes, too many can be overwhelming. With numerous providers, policy types, and coverage options out there, choosing the right one can feel like finding a needle in a haystack.

4). Time-Eating Monster

Comparing insurance quotes and policies can be time-consuming. Who has hours to spare on a single decision, right? Time is precious, and we’d rather spend it on things we enjoy.

5). The Dreaded Premiums

We all know insurance isn’t free, but sometimes the cost can feel sky-high. High premiums can pinch your wallet, leaving you wondering if “affordable” policies actually exist.

6). Hidden Surprises

Ever thought you were getting a great deal only to discover hidden fees and extra costs later on? It’s like a nasty surprise party you didn’t want to attend.

7). Claiming Can Be a Pain

Filing an insurance claim can be a hair-pulling experience, especially if there are disputes. No one wants to jump through hoops when they’re already stressed.

8). Sales Push

Raise your hand if you’ve ever felt pressured by an insurance agent. Some can be a tad too pushy, making you wonder if they’re more interested in their commission than your needs.

9). Confusing Policies

Ever wished insurance policies were as clear as crystal? Lack of transparency can leave you scratching your head about what’s covered and what’s not.

10). Too Many Exclusions

It’s heartbreaking to discover that an event you thought was covered actually falls under the dreaded “exclusions” category. The feeling of disappointment is all too real, and it can catch you off guard if you don’t have a full understanding of your policy.

A Solution to the Madness

Insurance shopping can be a major headache, and it’s one that we are looking to help alleviate. At Avalue Insurance, we see the people before we see the policies. We aren’t looking to sell you a one-size-fits-all insurance package; we’re interested in helping you find a policy that meets all of your needs, not just the “essential” ones.   

Say goodbye to the frustrations, the jargon, and the hidden surprises. Our experienced team is here to guide you through the process, offering transparent policies tailored to your needs. Contact us today, and let’s make your insurance shopping experience a positive one!

What is Collectors Car Insurance?

Cruisin’ in Style: Your Guide to Collectors Car Insurance


  • Here’s everything you need to know about collectors car insurance:
    • Collectors car insurance is essential for protecting your classic or vintage cars, as it caters to their unique needs.
    • Agreed value coverage ensures that you’ll receive the pre-determined value of your classic car in case of total loss, rather than its depreciated market value.
    • It often comes with lower premiums compared to regular auto insurance because classic cars are typically driven less and well-maintained.
    • It provides coverage for restoration projects, safeguarding your investment during the restoration process.
    • Specialized repairs from knowledgeable mechanics are available through these policies to maintain the authenticity of your vintage vehicle.
    • Coverage for car shows and events is often included, ensuring your peace of mind while showcasing your classic car.

If you’re the proud owner of a classic or collector car, you know that these beauties are more than just vehicles; they’re a piece of history and a labor of love. Protecting your prized possession is essential, and that’s where collectors car insurance comes into play. Here’s everything you’ll need to know about these specialized policies.

Why It Matters

Your classic car isn’t just any car; it’s a work of art, a nostalgic gem, or maybe even a family heirloom. That’s why standard auto insurance just won’t cut it. Collectors car insurance is specially designed to cater to the unique needs of vintage and collectible vehicles.

Agreed Value Coverage

One of the standout features of collectors car insurance is “agreed value” coverage. With this type of policy, you and your insurer agree on the car’s value upfront. So, if the unthinkable happens, and your beloved classic car is totaled, you’ll receive the agreed-upon value rather than the depreciated market value.

Low Premiums

Here’s some good news for your wallet: collectors policies often comes with lower premiums than regular auto insurance. Why? Because classic cars are generally driven less frequently and are meticulously cared for, reducing the risk of accidents. Lower premiums mean more cash in your pocket to spend on upgrading or maintaining your vintage ride.

Coverage for Restoration Projects

Whether you’re in the middle of a restoration project or planning one, collectors policies can cover the full value of your vehicle, even in its incomplete state. So, if disaster strikes during the restoration process, you won’t be left high and dry.

Specialized Repairs

Classic cars require specialized knowledge and craftsmanship when it comes to repairs. Collectors policies typically provide access to a network of skilled mechanics who understand the intricacies of vintage vehicles, ensuring your car gets the care it deserves.

Coverage for Car Shows and Events

Love showing off your classic car at local car shows or parading it in classic car events? Collectors car insurance often includes coverage for these events, giving you peace of mind while you share your passion with fellow car enthusiasts.

Protect Your Investment with Avalue Insurance

At Avalue Insurance, we’re not just your average insurance agency; we’re passionate about collector cars and understand the unique needs of collectors like you. We tailor collector car insurance policies to suit your specific vehicle, usage, and budget. Whether you own a vintage muscle car, a sleek sports car, or a rare classic, we’ve got you covered. Our experts will work with you to determine the agreed-upon value of your collector car and ensure that it’s protected against any unexpected mishaps.

Don’t wait until disaster strikes to realize the importance of collectors policies. Reach out to Avalue Insurance today, and let us provide you with the peace of mind you deserve! You can request a consultation right here online, or give us a call at (303) 773-3332 to speak directly with an agent! 

Insuring Motorhomes and Other Recreational Vehicles

Thinking About Insuring Motorhomes? Here’s Everything You’ll Need to Know


  • When it comes to insuring motorhomes, there are a few types of coverage that you’ll need to consider:
    • Coverage for medical payments and bodily injury
    • Collision coverage
    • Coverage for towing and labor costs
    • Rental car coverage
    • Property damage liability coverage
    • Emergency expense coverage
    • Vacation liability
    • Replacement cost personal effects coverage

So, you’re dreaming of cruising the scenic highways of Colorado in your favorite motorhome. But before you hit the open road, there’s one thing you’ll need to take care of: insurance. While it may not be the world’s most exciting topic, it’s extremely important for avid RVers. That’s why we’re here to tell you everything you’ll need to know about insuring motorhomes and other recreational vehicles.

Why Motorhome Insurance Matters

Colorado is a land of rugged beauty, with its towering peaks, winding roads, and unpredictable weather. It’s the perfect playground for motorhome enthusiasts, but it’s also a place where accidents can happen. That’s why insuring motorhomes is so important out here in the Centennial state. Whether it’s a sudden hailstorm, a collision on a tricky mountain pass, or even theft, you’ll want to make sure you’re covered.

Basic Coverage for Insuring Motorhomes

If you’re new to insuring motorhomes, then you’re probably wondering what types of coverage you’ll need. Here are some basic types of insurance you’ll want to consider for your motorhome:

1). Coverage for Medical Payments and Bodily Injury

Safety first! You’ll want to make sure that your motorhome policy includes coverage for medical payments and bodily injury. Coverage for medical payments takes care of your medical bills, up to your limits, if you or your passengers are injured in an accident. Bodily injury liability coverage, on the other hand, helps you pay for injuries caused to others in an accident where you’re at fault.

2). Collision Damage and Comprehensive Damage

Collisions and accidents can be a real buzzkill. That’s where collision damage and comprehensive damage coverage come to the rescue. Collision coverage kicks in when your motorhome collides with another vehicle or object. Comprehensive coverage, meanwhile, covers non-collision-related damages like theft, vandalism, or natural disasters like hail. Together, they ensure your home-on-wheels stays intact.

3). Towing and Labor Costs

Towing and labor cost coverage is a must. Whether your motorhome breaks down suddenly or you just need a quick tow, this coverage ensures that help is on the way without emptying your wallet.

4). Rental Car Costs

Accidents can sometimes take your motorhome off the road for repairs. That’s when rental car coverage steps in. It helps cover the cost of renting a temporary set of wheels so you can continue your adventure while your motorhome gets back in shape.

5). Property Damage

Accidents happen. But what if your motorhome accidentally damages someone else’s property? That’s where property damage liability coverage comes in handy. It helps you pay for the repair or replacement of the other person’s property, like their car or a fence, if you’re at fault.

6). Emergency Expense Coverage

Emergency expense coverage comes to the rescue. It helps cover the costs of necessary accommodations, meals, and even transportation while your motorhome is out of commission. It does wonders for you when you hit life’s unexpected road bumps!

7). Vacation Liability

You’re on vacation to relax, but accidents can happen, and liability claims can put a damper on your trip. Vacation liability coverage steps in to protect you in case someone gets hurt on or around your motorhome while you’re parked at a campsite. It can also cover you if there’s damage to someone else’s property caused by your motorhome during your vacation.

8). Replacement Cost Personal Effects Coverage

This is one of the best ways of insuring motorhomes. Your motorhome is like your home away from home, and you’ve probably loaded it up with personal belonging, from gadgets to camping gear and everything in between. If these items are damaged, lost, or stolen during your trip, replacement cost personal effects coverage helps you replace them with new items of similar quality. So, if your camera gets soaked during a sudden rainstorm or your camping gear mysteriously disappears, this coverage ensures you won’t be left high and dry.

Get Rolling with Avalue Insurance

When it comes to insuring motorhomes, our insurance experts are the best in Colorado. At Avalue Insurance, we specialize in helping RVers find the perfect policies for their motorhomes. We’ll make sure your rig is covered from bumper to bumper. So, if you’re a weekend warrior, a full-time RVer, or anything in between, we’ve got you covered.

Ready to get started? It’s quick and easy! Contact Avalue Insurance today, and let our experts help you protect your favorite recreational vehicle. Request a consultation right here online today, or give us a call at (303) 773-3332 to speak with an insurance professional right away!

What are the Workers’ Compensation Laws in Colorado?

Colorado Workers’ Compensation Laws: What Business Owners Need to Know


  • Here are the workers’ compensation laws of Colorado that every business owner should be aware of:
    • Workers’ compensation insurance is required by law in Colorado when you hire your first employee.
    • Independent contractors might still be considered employees for workers’ comp purposes, so be cautious about misclassifying them.
    • Sole proprietors and partners aren’t required to have workers’ comp on themselves but can choose to opt in.
    • LLCs need to cover their employees but not necessarily themselves. Corporate officers can opt out but should consider coverage.
    • Agricultural and casual labor businesses must provide workers’ comp if they have more than 5 regular employees or 100 or more days of agricultural labor in a year.

Running a business is no walk in the park. You’ve got enough on your plate with endless paperwork, demanding customers, and the ever-changing landscape of business regulations. But let’s talk about something crucial that you absolutely can’t afford to overlook: workers’ compensation insurance.

But do you have to have workers’ compensation insurance? What are the workers’ compensation laws in the state of Colorado? Let’s talk about it!

Workers’ Compensation Laws: When is it Required by Law in Colorado?

When is workers’ comp required by law in Colorado? The answer: pretty much all the time, unless you’re a one-person show or an LLC with no employees. For the rest of us, it’s a must-have.

Here are a few things to keep in mind when considering workers’ comp insurance:

1. If you have one or more employees, then you probably need workers’ comp.

According to Colorado’s workers’ compensation laws, you’ll need workers’ comp coverage even if you only have one employee! Whether they’re full-time, part-time, seasonal, or minors — if they’re working for you, you’ll need to protect them with workers’ comp insurance. This is the only type of coverage that will offer them financial protection in the event that they are injured on the job. So, not only is this a wise decision on your part, it’s also a great way to make your employees feel a lot safer on the job.    

2). Don’t get sucked into the “independent contractors vs. employees” trap.

Now, here’s where it gets a bit tricky. Colorado, like many other states, is clamping down on businesses that try to label workers as independent contractors to dodge workers’ comp responsibilities. The state is pretty serious about this, so be careful not to misclassify your employees. If someone’s primarily doing work for your business and isn’t an independent business themselves, they’re probably your employee.

3). Rules for sole proprietors and partners.

If you’re a sole proprietor or a partner in a business, you’re not required to carry workers’ comp on yourself unless you opt-in. However, it might still be a smart move to protect yourself.

4). Rules for LLCs and corporate officers.

If you’re an LLC, you must cover your employees but not yourself. For corporate officers, the story’s a bit different. If you’re an officer and you own at least 10% of the corporation, you can choose to exclude yourself from workers’ comp coverage. But honestly, why would you? Accidents can happen to anyone, so it might be wise to cover yourself too.

5). Rules for farm labor and casual workers.

If you’re in the agricultural or casual labor business, things are a bit different. You’re required to provide workers’ comp if you have more than 5 regular employees or 100 or more days of agricultural labor in a year.

Chat with a Workers’ Comp Professional Today

Navigating workers’ compensation laws can be tricky, especially if you’ve never done it before. The good news: you don’t have to do it alone.

Avalue Insurance is your go-to partner for all things workers’ comp in Colorado. We understand the ins and outs of the state’s laws, and we’re here to make workers’ comp a lot simpler. Request a consultation today to get started!

To speak with an agent right away, give us a call at (303) 773-3332 or email us at:

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