Q: Are non-profit organizations required to have a Workers’ Compensation policy?
A: All public and private employers in Colorado must provide Workers’ Compensation coverage for their employees if one or more full or part-time persons are employed.

Q: How can we protect volunteers if they are injured while volunteering for the organization?
A: A Volunteer Accident Insurance policy is available to members of the Colorado Nonprofit Association. This policy provides limited medical expense coverage if a volunteer is injured as a result of a covered accident.

Q: What is an audit?
A: When a new workers’ compensation policy is issued, estimated numbers for payroll are used. The carrier is allowed to charge premium based on the actual numbers for that time period. At the end of your policy year, the carrier will send you a form asking for payroll numbers per class of employee during the past year. Those numbers are compared with the numbers used on your policy. If the payroll is lower, you will receive a refund and vice-versa.

Q: Does my small organization need a safety committee?
A: Every organization should establish a safety committee. If you are a small organization, you may want to select a safety coordinator rather than a committee. That person is responsible for knowing what to do if someone is injured on the job. Also, the safety coordinator would understand the basic tenets of safety. Regular meetings would be held to teach employees how to keep a safe workplace. Many small organizations incorporate this information into the regular staff meetings.

Q: Does my insurance company determine my Cost Containment Certification credit?
A: The State of Colorado manages the Cost Containment Certification program. All material is submitted to the State and they tell the insurance carrier what credit or discount to apply to your policy premium.

Q: How do I get a discount on my Workers’ Compensation premium?
A: If you select a physician or provider from the network approved by your insurance company and agree that your employees will use this provider when injured on the job, you will get a 2.5% premium discount. Members of Colorado Nonprofit Association may receive a premium discount by enrolling through their association program. Colorado Nonprofit Insurance Agency is the designated broker for this program.