Are You Covered by Workers' Comp in Colorado for Seasonal Work?
Colorado’s bustling tourism industry makes it a hotspot for seasonal employment. From ski resorts and rafting companies to agricultural farms and summer festivals, the demand for seasonal workers peaks during certain times of the year. But if you’re injured on the job during one of these seasonal gigs, you may be wondering: Am I covered by workers’ compensation?
The short answer is most likely, yes—but it depends on a variety of factors. In this article, we’ll explain how workers’ comp laws apply to seasonal employees in Colorado and when it might be time to contact experienced Colorado workers' compensation lawyers to protect your rights.
Does Workers’ Compensation Apply to Seasonal Employees?
In most cases, yes, seasonal workers are entitled to workers’ compensation benefits in Colorado. Colorado law requires almost all employers to carry workers’ compensation insurance, regardless of whether they hire full-time, part-time, or seasonal employees.
Key factors that determine coverage include:
- Employer-employee relationship: If you’re classified as an employee (not an independent contractor), your employer must provide coverage.
- Nature of employment: Even if you work only for a few weeks, you’re still entitled to protection under the Colorado Workers’ Compensation Act.
- Injury during the course of employment: You must have been injured while performing your job duties.
If you meet these requirements, you should be eligible for medical treatment, wage replacement, and possibly compensation for permanent impairment.
Common Injuries of Seasonal Workers
Seasonal jobs can involve physical labor, working outdoors, or dealing with unpredictable conditions. Common injuries include:
- Slips and falls (especially on ice at ski resorts)
- Back and joint injuries from lifting or repetitive motions
- Frostbite or heatstroke depending on the season
- Accidents involving machinery or vehicles
- Injuries related to inadequate training or supervision
Some employers may downplay risks or misclassify workers to avoid paying for benefits. That’s why it’s important to know your rights and seek help from qualified Colorado workers’ compensation lawyers if your claim is denied or delayed.
What to Do If You’re Injured as a Seasonal Worker
If you’re hurt on the job, you should follow these steps:
- Report the injury to your supervisor in writing within four days of the incident.
- Seek medical care from an approved provider (your employer may have a designated clinic or doctor).
- Document everything—when, where, and how your injury happened, who witnessed it, and what treatment you received.
- File a workers’ compensation claim with the Colorado Division of Workers’ Compensation, if necessary.
- Contact an attorney if your employer disputes the claim, delays your benefits, or pressures you to return to work too soon.
If you’re a seasonal worker you may be less familiar with your legal protections, and employers may take advantage of your uncertainty. Don’t let your temporary status prevent you from receiving the benefits you deserve.
Are Undocumented or Out-of-State Workers Covered?
Yes. Colorado law protects all employees, including undocumented workers and if you’re hired temporarily from out of state. Your immigration status does not affect your right to medical care and compensation for work-related injuries.
If your employer is based outside of Colorado but you’re working within the state, they must follow Colorado’s workers’ compensation requirements. If they fail to carry insurance, they could face serious penalties—and you may still be able to recover compensation through the state’s uninsured employer fund.
Need Help with a Seasonal Work Injury Claim?
If you’ve been injured on the job in Colorado and have questions about your rights as a seasonal or temporary worker, contact a trusted Colorado workers’ compensation lawyer. Early legal guidance can make all the difference in getting the treatment and support you deserve. Schedule your free initial consultation today!