Modernize Pinnacol

Securing Colorado's Future

Pinnacol Assurance has protected Colorado workers and employers for more than a century. Operating today as a premier, member-focused carrier, Pinnacol has become one of the nation’s top-performing workers' compensation insurers while maintaining an unwavering focus on service, safety, and care.

However, Colorado’s economy has changed dramatically. The state is a national leader in remote work, and local companies are expanding across the country at historic rates. Pinnacol’s current regulatory structure—designed nearly 25 years ago—limits its ability to seamlessly provide direct insurance across state lines. To support Colorado employers with out-of-state workers, Pinnacol must coordinate coverage through complex third-party partnerships, which adds unnecessary administrative complexity, costs and mismatched claims experience that Pinnacol wants to eliminate for its members.

As a top-tier carrier, Pinnacol wants to fully support its members as they grow. Modernizing its structure ensures that Colorado employers don't have to look to out-of-state, profit-driven national carriers just because their workforce expands beyond state lines. By updating these outdated rules, Pinnacol can maintain a robust, diverse, and stable member pool, keeping premiums affordable and service high for everyone.

What Modernization Would Do

Modernizing the company’s structure would provide Pinnacol with the flexibility to adapt to a 21st-century economy while fully preserving its public mission, including serving as the state’s provider of last resort.

What This Means for Colorado

Modernization ensures that Colorado-based employers will continue to receive the same high standard of care from the local team they already trust, while having a first-in-class, homegrown option that can support them anywhere they operate. It protects workers wherever they are employed, keeps premium dollars investing back into Colorado’s communities, and secures a strong safety net for generations to come.