Retail jobs may not seem hazardous at first glance, but they often involve repetitive motions, long hours on your feet, and unexpected physical strain — all of which can lead to workplace injuries. From stocking heavy boxes to slipping on recently cleaned floors, retail workers in Colorado face a variety of on-the-job risks.
That’s why understanding your rights under Colorado’s workers’ compensation laws is critical if you’re injured at work.
In Colorado, workers’ compensation is a no-fault system designed to help employees recover medical expenses and lost wages after a job-related injury. This includes retail employees who suffer from common workplace injuries such as back strains, slip and fall injuries, repetitive stress injuries (like carpal tunnel), and more. If you’ve suffered a significant injury — especially one involving your spine — it’s also wise to consult with a Back Injury lawyer in Denver to ensure you receive the full benefits you’re entitled to.
Common Injuries Among Retail Workers
Retail work might not involve heavy machinery, but it still poses significant physical risks. Some of the most common injuries in this field include:
- Back and neck injuries from lifting, bending, or standing for long hours
- Slips, trips, and falls, especially on recently mopped floors or cluttered storage areas
- Repetitive strain injuries from scanning items or typing on registers
- Cuts and lacerations from box cutters or broken merchandise
- Injuries from falling objects, especially in stockrooms or when shelving products
Even seemingly minor injuries can worsen over time or affect your ability to continue working, making it important to report them and seek treatment early.
Am I Covered by Workers’ Comp as a Retail Employee?
Yes — in almost all cases, if you’re an employee (full-time or part-time) in the retail industry and are injured while performing your job duties, you are covered under Colorado’s workers’ compensation laws. Independent contractors, however, are not usually covered unless there is a misclassification issue.
It’s important to understand that workers’ compensation is a no-fault system. This means you don’t have to prove your employer did something wrong. As long as the injury occurred while you were performing work-related tasks, you are likely entitled to benefits.
Steps to Take After a Workplace Injury
If you get injured on the job, you must follow a specific process to protect your right to compensation:
- Report the injury immediately
You have four working days to report your injury to your employer in writing. Failing to meet this deadline could delay or jeopardize your claim. - Seek medical attention from an approved provider
In Colorado, your employer has the right to choose the designated medical provider. Going to your personal doctor without permission may result in the workers’ comp insurance not covering your bills. - Document everything
Keep records of the injury, how it happened, your symptoms, and all communications with your employer and medical providers. This can help protect your rights if your claim is disputed. - File a workers’ compensation claim
While your employer will usually file the initial paperwork with their insurance carrier, you can also submit a claim directly to the Colorado Division of Workers’ Compensation to ensure your injury is officially on record.
What Benefits Are You Entitled To?
Retail employees injured on the job may be entitled to the following:
- Medical treatment (fully paid by the employer’s insurance)
- Temporary total disability (TTD) if you’re unable to work for a period of time
- Temporary partial disability (TPD) if you can return to work but in a limited capacity
- Permanent disability benefits, if your injury results in long-term impairment
- Mileage reimbursement for medical appointments
- Vocational rehabilitation, in some cases, if you cannot return to your prior job
What If Your Claim Is Denied?
Unfortunately, workers’ comp claims can be denied for a variety of reasons — such as late reporting, lack of medical evidence, or disputes about whether the injury was work-related. If your claim is denied, don’t give up.
You have the right to:
- Request a hearing before an administrative law judge
- File an appeal with the Colorado Industrial Claim Appeals Office
- Consult a workers’ compensation attorney who can represent your interests and help you navigate the legal process
An attorney can also help if your employer retaliates against you for filing a claim — which is illegal under Colorado law.
Can You Be Fired After Filing a Workers’ Comp Claim?
Colorado is an at-will employment state, meaning your employer can terminate your employment for any lawful reason. However, they cannot legally fire you in retaliation for filing a workers’ compensation claim. If you suspect this has happened, you should speak to an attorney immediately.
Final Thoughts
Retail work may seem routine, but it carries its own set of physical risks. Whether you suffered a minor injury that requires a few weeks of rest or a more serious injury that affects your long-term ability to work, knowing your rights is essential. Workers’ compensation laws exist to protect you — but only if you take the necessary steps.
If you’re unsure about your next move or believe your rights have been violated, don’t hesitate to seek professional legal advice. Getting proper medical treatment and financial support after an injury is not just your right — it’s a crucial part of your recovery and long-term health.
