Business

In today’s challenging insurance market—marked by rising premiums and limited flexibility—many companies are rethinking their approach to coverage. For growing businesses in Colorado, one increasingly popular solution is group captive insurance. This alternative risk strategy can offer greater control, cost efficiency, and long-term stability. But how exactly does it work, and is it the right…

If you own or operate a business in Colorado, chances are you’ve asked this question: “Do I need to carry workers’ compensation insurance for part-time employees or independent contractors?” It’s a smart question—and one that has legal, financial, and ethical implications. Let’s break it down. ⚖️ What Colorado Law Says Under Colorado law, any business