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Every girl I meet has a fuckin' boyfriend
Age old query around here.
Hot girls have boyfriends. That happens.
But judging by your willingness to step in these two muddy puddles [coworker/boyfriend].
A. You consider her very hot.
B. You don't get out much.
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Ask about her bf for example if she is interested in him when you get a chance to talk to her. You will have a clue whether to ask her out or not.
This will just cement the idea you don't have the confidence to do anything about it anyway.
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Don't mention her boyfriend and just flirt with her. Then find a place close to the job and invite her to drinks there after work.
Jack is spot on. What my usual tactic against when a girl tells me something I don't like to hear, I just totally ignore it and continue saying whatever I want. Then continue or stop according to her reaction.