{"id":1019,"date":"2026-06-30T04:00:00","date_gmt":"2026-06-30T04:00:00","guid":{"rendered":"https:\/\/www.collinginsurance.com\/blog\/?p=1019"},"modified":"2026-06-04T15:32:59","modified_gmt":"2026-06-04T15:32:59","slug":"workers-comp-insurance-what-if-someones-drunk-on-the-job","status":"publish","type":"post","link":"https:\/\/www.collinginsurance.com\/blog\/workers-comp-insurance-what-if-someones-drunk-on-the-job\/","title":{"rendered":"Worker’s Comp Insurance: What If Someone’s Drunk On The Job?"},"content":{"rendered":"

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.<\/p>\n

When Workers’ Compensation Coverage May Be Denied<\/h2>\n

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.<\/p>\n

Why Reporting Suspected Intoxication Matters<\/h2>\n

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.<\/p>\n

The Role of Drug and Alcohol Testing<\/h2>\n

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.<\/p>\n

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.<\/p>\n","protected":false},"excerpt":{"rendered":"

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 […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[469,470,514,515,229,530],"class_list":["post-1019","post","type-post","status-publish","format-standard","hentry","category-insurance","tag-co","tag-colling-insurance-services","tag-inc","tag-insurance","tag-lakewood","tag-workers-comp"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t