Small-business cover in Colorado.

In Colorado, workers’ comp is required at Required for all employers with one or more employees^[S]Colorado workers' compensation threshold. Colorado requires workers' compensation coverage for all employers with one or more employees, with narrow exemptions for certain independent contractors and sole proprietors with no employees. Electrical and plumbing trades require state licensure; general contracting is licensed locally. Regulated by the Colorado Division of Workers' Compensation (Dept. of Labor & Employment).