Absolute worst workmans comp ever! As the employer of a very small business, I got insurance thru them at 147.00 (ish a month). I was naive and found identical insurance for less than 50.00 per month! In addition, through a couple of disputes, they charged me two audit charges 2 months back to back for nearly a 1000.00 combined! I disputed the second one, and after not hearing from them for 8 months, I thought it was all over. Then they sent me to collections for 887.00(ish) dollars. I paid it right away and moved on. Now, almost a year later, I get another "premium charge" for 14.23, even though I cancelled a year ago! The reason is “the collections company shorted us 14.23 when paying Pinnacol. I am now waiting for a resolution. Oh, BTW they ask you how much your payroll is and then not long after, they hit you with a "audit charge" stating that I underestimated payroll and thus owe them more. How the hell they can get away with this is beyond me. When I started my business, I told them I have one FT employee (my son) and I still only have one employee (still my son). Yet they ended up getting an extra thousand dollars by sending me to collections.