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Colorado Builders Risk Insurance

Colorado’s 2025 Wildfire Resiliency Code sets fire-intensity-based requirements for designated mapped areas, including construction and specified exterior work. State law gives qualifying local governments a nine-month adoption period, and current implementation is jurisdiction-specific. Check the parcel’s adopted map and local permit rules, then ask how the quote treats fire loss and any interruption while required work is completed. 1,2,3,4

What Is Builders Risk?

Builders risk protects the project you are building, including materials meant for it, against physical loss until construction ends. The gaps that cost owners money are materials in storage or transit, the existing building in a renovation, and coverage ending when you occupy early. Read the national Builders risk guide.

What to Watch for in Colorado

  • Verify local adoption and timing

    The Board’s 2025 code says official maps identify areas subject to its provisions, allows local maps, and ties requirements to mapped fire-intensity classes. SB 25-142 gives qualifying local governing bodies nine months after Board adoption to adopt standards. Local implementation varies: Jefferson County and Castle Rock both state that their local code takes effect July 1, 2026. Ask the project’s building official which locally adopted code and map govern the parcel and permit. 1,2,3,4

  • Check whether the project work is covered by the code

    The code’s scope covers construction, alteration, movement, repair, maintenance and use of buildings or premises with occupiable or habitable space in designated WUI areas, subject to exceptions. It sets thresholds for some work to existing buildings, including a 500-square-foot footprint increase and replacement of 25% or more of roof or exterior-wall area. Confirm the applicable local provision and permit scope with the code official; the model code does not determine insurance coverage. 1

  • Keep code compliance separate from wildfire coverage

    Mapped fire-intensity requirements address building and site mitigation. They do not establish whether a builders risk policy covers wildfire, smoke, debris removal or access costs. Ask the broker to point to the quote’s wording, deductibles, exclusions and limits for those exposures. 1

Who Regulates Insurance in Colorado

Colorado Division of Insurance

The Division administers Colorado insurance laws and regulates insurers and insurance producers. You can search producer licenses through Colorado’s official DORA lookup and send insurance complaints to the Division. 5,6,7

Surplus-lines tax and stamping office

Reported tax rate: 3% of net premium When Colorado is the insured’s home state, its surplus-lines tax is 3% of taxable premium. The Colorado Surplus Lines Association says insurer or broker fees charged in connection with the placement are included in the tax base; federal or other-state taxes and examination fees are excluded. For multistate risks, a tax-sharing agreement may allocate premium tax to other states. 8,10,9

Providers With Documented State Licenses

No provider in Spot’s research documents both a state license record and this coverage line. This does not establish that providers are unlicensed. Check the regulator’s license lookup and confirm availability with a provider when requesting a quote.

Questions to Ask Before You Buy in Colorado

  1. Which local government’s adopted map and wildfire code govern this parcel and permit?
  2. Does the project’s new construction or exterior work meet a local code trigger, and what approvals remain?
  3. What fire, smoke, access and debris-removal terms appear in the actual quote?

Builders Risk in Colorado: FAQ

When does Colorado’s wildfire code apply? 1,3,4

The 2025 code applies to designated mapped wildfire hazard areas and certain work to buildings with occupiable or habitable space, subject to exceptions. The Board code allows local hazard maps, and local adoption controls implementation. Check the adopted map and ask the project’s code official whether the work falls within the local requirements. 1,3,4

Can a Colorado local government use its own wildfire map? 1,3,4

The Board code provides for official and locally developed hazard maps. Jefferson County and Castle Rock publish local implementation information, including July 1, 2026 effective dates. Those examples do not determine which map or code applies elsewhere; confirm the current adopted map with the jurisdiction for the project parcel. 1,3,4

Builders Risk in Other States

Other Coverage in Colorado

Sources

  1. 2025 Colorado Wildfire Resiliency Code. Colorado Department of Public Safety, Division of Fire Prevention and Control; Chapter 1 §§ 101.2, 101.5–101.7 (scope and work to existing buildings); Chapter 3 §§ 303.1–303.3 (official/local hazard maps and intensity-class requirements); appendices apply only if locally adopted. Accessed 2026-09-28.
  2. SB25-142: Changes to Wildfire Resiliency Code Board. Colorado General Assembly; Enacted bill summary: local adoption period extended from three to nine months; cooperative enforcement agreements authorized; signed June 3, 2025. Accessed 2026-09-28.
  3. Regulation Updates. Jefferson County, Colorado; Final Wildfire Resiliency Code regulations: effective July 1, 2026; updated local WUI overlay map. Accessed 2026-09-28.
  4. Adopted Building Codes. Town of Castle Rock, Colorado; 2025 Colorado Wildfire Resiliency Code effective July 1, 2026 for new permit submittals; local exceptions in Title 15. Accessed 2026-09-28.
  5. Colorado Division of Insurance. Colorado Department of Regulatory Agencies; Official insurance regulator homepage; DOI oversight and consumer resources. Accessed 2026-09-28.
  6. DORA Online Services. Colorado Department of Regulatory Agencies; Official DORA online services portal; select Online License Verification and insurance profession. Accessed 2026-09-28.
  7. File a Complaint. Colorado Division of Insurance; Official form and instructions for insurance complaints. Accessed 2026-09-28.
  8. HB23-1111: Unauthorized Insurance Premium Tax Rate. Colorado General Assembly; Enacted bill harmonizes unauthorized insurance tax rate at 3%, effective January 1, 2024; parity with surplus-lines rate. Accessed 2026-09-28.
  9. Frequently Asked Questions. Surplus Lines Association of Colorado; FAQ: Colorado home-state tax; fee charged by insurer or broker in connection with placement included in premium base; qualifying federal/other-state taxes and examination fees excluded; commercial exempt policyholder due-diligence exception. Accessed 2026-09-28.
  10. Colorado Revised Statutes, Title 10 (2024). Colorado General Assembly, Office of Legislative Legal Services; C.R.S. § 10-5-111.5, surplus-lines premium tax and home-state application. Accessed 2026-09-28.
  11. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  12. Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
  13. Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
  14. About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
  15. Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
  16. About Risklytics. Risklytics; What we do; Who we insure; Licensing; Agency licenses table dated 2026-09-10. Accessed 2026-09-16.
  17. Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
  18. Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

Updated .

This guide is informational and does not determine whether a policy is available or meets your needs. Editorial policy. To suggest a correction, contact Spot with a supporting source.

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