The Workers’ Compensation Act of Colorado does not exclude Workers’ Compensation coverage for undocumented workers. In fact, Colorado statute [8-40-202 (1) (b)] specifically says:

…an “employee” is any person under any contract of hire, express or implied, including aliens and minors, whether lawfully or unlawfully employed, is deemed an employee and entitled to the maximum benefits provided by Workers’ Compensation…

Accidents involving rented items such as lifts, forklifts, trailers, tents and chairs posed the greatest risks for consumers and were associated with the highest numbers of fatalities, injuries and damages in the equipment rental industry, according to the findings of a recent St. Paul Travelers study.

If you are not familiar with the term “toxic mold,” you are part of a dwindling group. The subject reared its ugly head in Texas and is now the source of market restrictions and new exclusionary language and class action lawsuits. Most if not all insurers have specific exclusionary language that excludes mold from liability and first party property coverages.