Protect Your Team — and Your Business.
Your employees are the heart of your business. At Rocky Mountain Insurance Advisors (RMIA), we help Castle Rock employers meet state requirements and protect their workforce with Workers’ Compensation Insurance — covering medical care, lost wages, and liability if a team member gets injured on the job.
Workers’ Compensation Insurance (often called “workers’ comp”) provides medical and wage benefits to employees injured or ill because of their job.
It’s required by law in Colorado for nearly all businesses with one or more employees — and it protects both the employer and the employee.
It covers:
Medical expenses from workplace injuries or illness
Lost wages during recovery
Disability or rehabilitation benefits
Employer liability if sued for work-related injuries
RMIA ensures your coverage meets Colorado’s regulations while keeping premiums manageable for your business.
In Douglas County’s fast-growing economy — from construction to healthcare to tech — workplace risks vary widely.
Even a minor injury can lead to lost productivity, medical bills, and potential legal issues if you’re uninsured.
With Workers’ Compensation Insurance, you can:
Comply with Colorado state law
Protect your employees and their families
Avoid costly lawsuits and fines
Maintain a strong, trustworthy reputation
The Colorado Division of Workers’ Compensation (DOWC) requires every employer with at least one employee (full-time or part-time) to carry active workers’ compensation coverage.
Coverage applies to:
W-2 employees
Seasonal and temporary workers
Some subcontractors (depending on classification)
Business owners and officers can choose to include or exclude themselves depending on their structure (LLC, corporation, etc.).
Failure to carry coverage can result in significant penalties, back pay, and stop-work orders.
A standard policy typically includes:
1. Medical Benefits
Covers doctor visits, hospital care, physical therapy, and prescriptions related to a workplace injury or illness.
2. Lost Wage Benefits
Pays a portion of an employee’s wages while they recover from an injury.
3. Disability Benefits
Provides compensation for temporary or permanent disabilities caused by work-related injuries.
4. Death Benefits
Supports dependents of an employee who dies as a result of a work-related incident.
5. Employer’s Liability
Protects your business from lawsuits filed by injured employees outside of standard claims.
Virtually all Castle Rock businesses with employees must have it, including:
Construction and trade contractors
Medical and dental offices
Retail stores and restaurants
Manufacturing and warehouse operations
Professional service firms and startups
Even small or home-based businesses with part-time staff are required to comply.
Castle Rock’s diverse industries — from construction and logistics to retail and healthcare — face unique exposure to on-the-job injuries.
RMIA helps you:
Classify employees correctly (to avoid premium overcharges)
Set up payroll audits and compliance documentation
Create safety programs that can lower your insurance rates
We work with top-rated carriers familiar with Colorado’s workers’ comp laws, ensuring your policy is both compliant and cost-effective.
Independent & Local: We shop multiple carriers for competitive rates and better benefits.
Compliance Experts: We keep your coverage aligned with current Colorado DOWC laws.
Fast Certificates: Need proof of insurance for a job bid or subcontractor agreement? We deliver same-day COIs.
Long-Term Support: From onboarding to claims handling, we’re with you every step of the way.
Yes. Any business with one or more employees must carry active workers’ compensation insurance.
Colorado imposes steep fines and stop-work orders. You could also be personally liable for employee medical costs or lawsuits.
Not usually — but certain subcontractors may need proof of their own coverage. RMIA can help verify compliance.
Yes. Business owners, officers, or LLC members can opt in to receive protection under the policy.
Yes — through correct employee classification, strong safety programs, and maintaining a clean claims history. RMIA helps you optimize these areas.
Experience clarity, confidence, and care with every step — from discovery to claim.
We assess your coverage needs and explain everything in plain language — no jargon, no confusion.
As an independent agency, we partner with multiple carriers to bring you the most competitive coverage options.
When you have a question, change, or claim — we’re just a call away, ready to assist you personally.
Keep your employees safe and your business compliant with Workers’ Compensation Insurance built for your Castle Rock operation.
RMIA makes it simple, affordable, and tailored to your industry.
