Workers’ Compensation Strategy for Colorado Employers
What We Do
At Ascent Insurance Solutions, we know all the usual ways to save on workers’ compensation, but we go beyond that.
We help Colorado employers understand what actually drives their workers’ comp premiums and build proactive safety and cost-control strategies that last.
Because here’s the truth:
💡 Your insurance premium is only part of the story. It’s your total cost of risk that really matters.
When we review your policy, it doesn’t take long to spot whether you’re in a solid position or if there’s missed opportunity. And frankly, most of the time, it’s the latter.
Why? Because most policies are sold, not strategically structured. Once they’re written, ongoing support often disappears.
No matter where you stand now, our focus stays the same:
Advocacy. Accessibility. Always.
Did you know?
Workers’ compensation is one of the most controllable lines of insurance—both in practice and in premium.
There’s no single magic bullet, but there are proven ways to:
✅ Reduce costs
✅ Improve claim outcomes
✅ Strengthen your safety culture
It all starts with the right partner—someone who not only understands workers’ comp inside and out, but actually has a passion for it. (Yes, we exist.)
Personalized Programs
Your business isn’t one-size-fits-all—your workers’ comp program shouldn’t be either.
We tailor each program to fit your unique operations, combining hands-on support, data-driven insights, and long-term strategy.
Tired of being stuck in an auto-renew cycle where workers’ comp is just another add-on to your commercial package?
We hear it all the time.
That’s why we often start with workers’ comp—it’s where we can make the biggest impact right away.
Our Workers’ Comp Support Includes:
- ⚡ Super-fast COIs (really fast)
- 🧠 Cost Containment training & ongoing support
- 📊 Experience Mod analysis & planning
- 💸 Secondary dividend programs
- 🧾 Audit preparation & support
- 💼 Pay-as-you-go programs
- 🔁 Return-to-work training & strategy
- 🩹 Claims assistance & advocacy
- 🧍 HR platform access
- 🛡️ Risk management & EHS platform access
- ⚙️ OSHA & DOT compliance support
- ❤️ Personalized, human service—every time
Industries We Support with Workers’ Comp Expertise
We proudly serve a wide range of Colorado industries with deep experience in workers’ compensation, safety, and risk management.
Our Expertise Includes:
- Public Sector — school districts, municipalities, fire departments
- Construction — all trades, general and specialty contractors
- Transportation & Fleet Operations
- Automotive Services
- Home Health & Healthcare Providers
- Hospitality & Lodging
- Retail & Wholesale
- Restaurants & Food Services
- Manufacturing & Light Industrial
Don’t see your industry listed? Just ask. Chances are, we’ve already helped someone in your field.
Market Reach
Not all carriers rate risks the same way—rates, tiers, and appetite vary widely.
At Ascent Insurance, we have access to 100+ workers’ comp markets, giving you flexibility and leverage when it comes to pricing and coverage.
Our job is to guide you through your options and help you choose a solution that aligns with:
✔️ Your budget
✔️ Your coverage needs
✔️ Your long-term safety and compliance goals
Already happy with your carrier? Great. There’s a good chance we already represent them.
Transitioning to us is as simple as signing one Broker of Record (BOR) letter—and we’ll take it from there.
Getting Started
Already have coverage in place? Perfect.
Here’s how we kick things off:
1️⃣ Send us your current declarations page (and any endorsements you have handy).
2️⃣ We’ll review and benchmark your policy against Colorado carriers and broader Western-state markets.
3️⃣ We’ll flag coverage gaps, pricing issues, or improvement opportunities—the stuff most people don’t see until it costs them money.
Want even sharper insights?
Include your Experience Modification Worksheet, loss runs, and any updated payroll/class code information. The more we see, the stronger our recommendations.
If we’re a good fit, we’ll jump in and start advocating for you right away—whether your renewal is coming up soon or you need midterm support.
Choosing the Right Workers’ Compensation Structure
How We Help Middle-Market Employers Navigate Workers’ Comp
Workers’ compensation for middle-market employers is rarely about finding the lowest premium. It’s about choosing a structure that aligns with how your organization operates today and where it’s headed.
As organizations grow, guaranteed-cost policies may no longer reflect their true risk profile. High-deductible, loss-sensitive, and captive options can offer meaningful advantages when paired with the right financial tolerance, claims maturity, and operational discipline.
At Ascent Insurance Solutions, we help employers evaluate workers’ compensation as part of their broader risk strategy. That means looking beyond the policy itself and considering factors like claims performance, cash flow, safety culture, and long-term goals before recommending a structure.
Not every organization should move beyond guaranteed cost. When advanced options make sense, we help clients understand the trade-offs clearly so there are no surprises down the road.
Learn more about guaranteed cost vs. loss-sensitive workers’ compensation programs.
Workers’ compensation risk spectrum from guaranteed cost to loss-sensitive structures.