Are non-profit organizations required to have a Workers’ Compensation policy?
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 commi
