Monthly Archives: June 2026

Worker’s Comp Insurance: What If Someone’s Drunk On The Job?

Workers’ compensation insurance helps employees cover medical expenses if they are injured on the job. In many cases, it can also replace a portion of lost income, helping employees and their families manage financial obligations while the injured worker recovers. Most employers are required to carry workers’ compensation insurance, but there are important exclusions business owners should understand.

When Workers’ Compensation Coverage May Be Denied

Workers’ compensation insurance generally covers injuries that occur in the course of employment, regardless of fault. However, most policies exclude coverage if an employee is injured while under the influence of drugs or alcohol. If intoxication is determined to be the direct cause of the injury, the claim may be denied.

Why Reporting Suspected Intoxication Matters

If an employer believes an employee may have been impaired at the time of an injury, it is important to notify the insurance carrier promptly. Employers are still required to file the claim and provide necessary paperwork, but honesty during the reporting process is critical. Insurance providers, including Colling Insurance Services Inc., regularly assist employers in Lakewood, CO with navigating these situations properly.

The Role of Drug and Alcohol Testing

In workers’ compensation cases involving suspected intoxication, proof is required. Employers and insurance carriers typically rely on mandated drug and alcohol testing to establish impairment. Observations alone, such as the smell of alcohol or unusual behavior, are usually not sufficient. Many workers’ compensation policies include guidelines for post-accident testing to help determine eligibility for coverage.

In most cases, the employee submits a claim, and the insurance provider determines whether coverage applies. If a claim is denied due to intoxication, understanding the process is essential. The agents at Colling Insurance Services Inc. can explain how workers’ compensation claims are handled and what steps employers should take. We proudly serve the Lakewood, CO area and are available to help you better understand your responsibilities and coverage options.

How to Choose Your Employee Health Insurance Carrier

If you are a business owner in Colorado, having the right commercial insurance is essential to protecting your company, employees, and financial future. While not every type of commercial insurance is legally required, many coverages may be mandatory depending on your business structure, industry, and number of employees. Our team at Colling Insurance Services, Inc. helps business owners understand their obligations and choose coverage that fits their needs. Companies near Lakewood, CO, are invited to meet with one of our experienced agents to discuss their commercial insurance options. We have proudly served businesses like yours since 1985.

How to Choose an Employee Health Insurance Carrier

One important type of commercial insurance to consider is employee health insurance. For many businesses, offering health benefits is a key way to attract and retain quality employees. Choosing the right health insurance carrier is an important decision that can affect both employee satisfaction and your company’s budget.

A helpful first step is conducting an employee health insurance needs survey. This allows you to better understand the types of coverage your employees value most, such as prescription coverage, preventive care, or access to specific provider networks. A survey can also reveal gaps in coverage that should be addressed when selecting a plan.

Once you understand your employees’ needs and preferences, you can review available health insurance options. Compare premium costs, plan structures (e.g., PPOs or HMOs), and additional features (e.g., wellness programs or health management tools). If premium costs are a concern, many employers choose to share or prorate the cost of coverage with employees.

Call Us Today for Your Appointment

Every business is unique, and your commercial insurance portfolio should reflect that. Our experienced team at Colling Insurance Services, Inc. works closely with you to design insurance solutions that align with your company’s size, goals, and risk exposure. Businesses throughout the Lakewood, CO area have relied on us for their insurance needs for over 40 years. Contact us today to schedule an appointment and gain confidence knowing your business is properly protected.