Colorado
What the Colorado authorities publish about business insurance, quoted directly, with a link and a date on every answer.
What the regulator says
Each answer below is what a named authority publishes, quoted so you can check it, with the date we last confirmed it against their page.
Which Colorado businesses need workers’ compensation insurance?
The Colorado Division of Workers’ Compensation states that all businesses with employees operating in Colorado are required to have workers’ compensation insurance, regardless of the number of employees, whether the employees only work part-time, or if they are members of the same family. Colorado closes the three gaps small employers most often assume they fall into.
“All businesses with employees operating in Colorado are required to have workers’ compensation insurance, regardless of the number of employees, whether the employees only work part-time, or if they are members of the same family.”
What are the minimum auto liability limits in Colorado?
The Colorado Division of Insurance states that the required floor is $25,000 per person for bodily injury, $50,000 per accident and $15,000 for property damage to another.
“The minimum limit of liability coverage that is required is $25,000 per person for bodily injury, $50,000 per accident and $15,000 for property damage to another.”
This is reporting, not advice. Rules change, and the authority above is the one that changes them — confirm your situation there or with a licensed producer before you act on it.