What If My Employer Doesn’t Have Workers’ Compensation Insurance?

Lakewood, Colorado Personal Injury Lawyer Serving Denver, Boulder, and Nearby Areas

Posted: March 21, 2022

Injured woman using a laptopWorkers’ compensation insurance exists to provide medical and lost wage benefits to employees who get hurt on the job. You should be able to rely on it after an accident. But what if you find out that your employer doesn’t carry workers’ compensation insurance? Our attorneys are here to help. You may be entitled to take legal action and seek the compensation you need.

Is Workers’ Compensation Required in Colorado?

Workers’ compensation requirements vary from one state to the next. In Colorado, all employers with one or more employees must obtain and maintain workers’ compensation insurance. It doesn’t matter if the employees are full-time or part-time. It also doesn’t matter if they’re family.

Things are a bit different in construction. Your employer must meet additional insurance requirements if you work in this industry. Our attorneys will gladly provide more information.

Very few workers are exempt from needing workers’ compensation coverage. Failure to insure comes with fines and penalties. For example, a business can be fined up to $500 for every day it is uninsured. It can also be shut down. Employers must take coverage requirements seriously.

Recovery Options for Injured Employees

You shouldn’t have to bear the hefty expenses of an on-the-job injury. If you were hurt while your employer was uninsured, they’ll likely have to pay the claim themselves. They may also be required to pay an additional penalty amounting to 25% of your total benefits. In some cases, you’ll be able to take legal action. This route can help you collect the maximum amount of compensation.

Keep in mind that you can’t get in trouble for exercising your rights after suffering an injury. If you find yourself facing retaliation or adverse action, please reach out to our lawyers right away.

Contact Our Lakewood Attorneys for Free

You have rights as an injured worker. We can help protect those rights. Our award-winning Colorado lawyers are experts in both personal injury and workers’ compensation cases.

Call 303-237-7373 today to schedule your free consultation. The Frickey Law Firm proudly represents clients from across Lakewood, Denver, Boulder, and nearby areas of Colorado.