In Colorado, workers’ compensation is a no-fault form of insurance. This means that regardless of how your accident happened or whose fault it was, you should be covered. The only requirement is that the accident must have occurred during the normal course of your work duties. For example, you may be covered if you were hurt by big equipment, injured by a slip and fall on your way to the bathroom, or were involved in an accident on the way to a client meeting. Getting into a fight in the cafeteria with another staff member, on the other hand, probably would not be, because that is outside of your normal work duties.