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.

One of the most important things a business can do is protect its workers. Workers’ compensation insurance helps protect employees who have been injured on the job.

If you are a business owner, having workers’ comp insurance can help protect your employees from the financial difficulty that medical bills can cause. The professionals at Colling Insurance Services, Inc., servicing Lakewood, CO, can help you find a workers’ comp policy for your needs. Here’s what you need to know. 

What Is Workers’ Comp Insurance?

Workers’ comp insurance pays medical bills due to medical conditions and injuries that workers experience on the job. Workers’ comp insurance is not like normal health insurance because it only pays bills related to medical conditions that occur because of a worker’s job. 

If Your Business Has Employees, You Should Have Workers’ Comp Insurance

Businesses with employees operating in Colorado are required to have workers’ comp for their employees. If you believe that your business may be exempt from workers’ comp insurance for any reason, you can contact Colorado’s Department of Labor and Employment to find out whether you are required to have workers’ comp. 

How Can You Get Workers’ Comp Insurance?

To get workers’ comp for your business, start by contacting an insurance company you can trust. Your insurance company can help you by shopping around for a policy that fits your needs. Call us at Colling Insurance Services, Inc., servicing Lakewood, CO.

We can also answer your questions about workers’ comp to help you determine what level of coverage is required for your business. Call today to speak with one of our insurance professionals. We handle all calls with professionalism and courtesy to help ensure a good experience when shopping for insurance.