In Lakewood, CO, workers’ compensation provides medical care options and wage replacement for employees dealing with work-related illnesses or injuries. However, not all injuries qualify for these benefits. Certain situations and types of injuries may exempt you from receiving workers’ compensation.

Understanding the Scope of Employment

An injury must occur while performing job-related duties to qualify for workers’ compensation. Injuries that happen outside the scope of your employment, such as during your commute to and from work, typically do not qualify.

Exclusions for Self-Inflicted Injuries

Workers’ compensation benefits usually exclude injuries intentionally caused by the worker. The claim will likely be denied if an employee deliberately harms themselves or stages an injury to receive compensation. Additionally, workers engaging in reckless or dangerous behavior, such as fighting with coworkers or violating safety protocols, may also be exempt from benefits if the injury results from these actions.

Impact of Intoxication or Drug Use on Claims

Workers injured while under the influence of drugs or alcohol are generally ineligible for workers’ compensation. If an investigation reveals that intoxication played a significant role in causing the injury, the claim may be denied. Some employers may require drug testing after an accident to confirm whether substances were involved.

Criteria for Mental and Emotional Injuries

Not all mental or emotional conditions qualify for workers’ compensation, especially if they are not tied to a specific physical injury or traumatic work-related event. Without a tangible connection to the job, psychological stress alone often does not meet the criteria for benefits.

Colling Insurance Services Inc. – Your Guide to Insurance

Colling Insurance Services Inc. provides comprehensive answers to your insurance questions. We serve Lakewood, CO, and surrounding cities. Contact us today.

As a business owner, maintaining your property’s outward appearance, including its landscaping, is one of your responsibilities. While it may seem like a minor service, there are three key reasons why regular upkeep is essential.

1. Pest Prevention

Regular landscaping maintenance makes it difficult for unwanted pests to nest and get comfortable on your property. Areas that are neglected or poorly managed areas can easily become habitable by rodents and insects, leading to unwanted pest issues inside and outside your property. This can potentially damage the products or services you offer to your clientele.

2. Ensuring Cleanliness and Safety

Proper landscaping keeps the area looking clean and well-maintained. It helps prevent mildew build-up on the property, keeps dirt from accumulating on the building, and ensures walkways are clear and plants are under control. This makes your property safe and accessible for your employees and clients. Regular maintenance also allows you to identify and address any developing issues quickly.

3. Upholding a Good Reputation

Businesses that take care of their property are likely to maintain a good reputation and attract new clients. The outward appearance of your commercial property is a real-time advertising tool that can either attract new clients or deter them. Neglecting your landscaping can make your property appear abandoned and harm your reputation in the community.

If you are in the Lakewood, CO area, contact Colling Insurance Services Inc. for a commercial insurance quote today. We can assist you with required policies and other recommendations suitable for your type of business.