Pro guide
Insurance and bonding basics
General info only. Check with a licensed pro and your local building department.
Workers' comp rules from the state, and what we haven't confirmed yet.
| Topic | What the source says | Source |
|---|---|---|
| Workers' comp | Colorado employers with one or more employees must carry workers' compensation insurance — part-time, full-time or family. | Official page checked 2026-10-30 |
| No employees | Without employees you may reject coverage by filing the proper form; if you don't file, you're out of compliance. | Official page checked 2026-10-30 |
| Hiring subs | If a contractor you hire has no workers' comp and their employee is hurt, you could be responsible. Verify it. | Official page checked 2026-10-30 |
| Not the same | General liability insurance does not satisfy workers' comp requirements. | Official page checked 2026-10-30 |
| $1M+ projects | From May 29, 2026, permits for projects over $1 million need a declaration that all workers have workers' comp (SB 26-093). | Official page checked 2026-10-30 |
Not confirmed yet
- Unknown General liability minimums required by each city — not confirmed yet.
- Unknown Surety bond requirements by city — not confirmed yet.
General information, not legal advice.