Employment Practices Liability in Colorado

Colorado’s Anti-Discrimination Act defines an employer without a numerical minimum, but excludes religious organizations or associations unless supported in whole or part by money raised through taxation or public borrowing. CADA covers grounds such as marital status and gender expression and requires an administrative charge within 300 days. Confirm which entities and workers the policy treats as insured.

What Is Employment Practices Liability Insurance?

EPLI can help pay covered defense costs and losses when applicants or workers allege discrimination, harassment, wrongful termination or other workplace wrongdoing. If you employ people, check the claim definition, defense costs and prior acts. Read the national Employment practices liability guide.

Colorado Employment Practices Liability Insurance Requirements

Requirement	Details
CADA employer and charge scope	CADA defines an employer as the state and every other person employing people in Colorado; a charge must be filed with the Civil Rights Division within 300 days of the alleged practice. ^1,³

What to Watch for With Employment Practices Liability in Colorado

Do not assume CADA starts at 15 employees
CADA’s employer definition has no numerical employee threshold, but excludes religious organizations or associations unless supported in whole or part by money raised through taxation or public borrowing. The Commission’s rules separately define an employee for CADA purposes and exclude independent contractors and unpaid nonprofit or government volunteers. Ask how the quote treats small Colorado entities and the status of a person described as a contractor. ^1,^2,³
Check Colorado’s specific protected grounds
CADA expressly lists marital status, sexual orientation, gender identity, and gender expression among protected grounds. Ask whether the policy’s discrimination and retaliation terms follow the state-law allegations and whether any wording changes defense treatment. ¹
Track the Colorado administrative charge deadline
A CADA charge must be filed with the Civil Rights Division within 300 days. That legal deadline does not extend a policy’s reporting period; agree on who will forward an agency notice and when. ¹
Include retaliation and participation allegations
Colorado law separately prohibits retaliation for opposing a practice or participating in a Civil Rights Division investigation or proceeding. Confirm the policy response to a retaliation count tied to an earlier discrimination complaint. ¹

Providers With Colorado License Records

These providers publish a national listing for Employment practices liability; the license records below name the licensed entities and roles. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm the product is available in Colorado. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

Coalition
Insurance producer, Surplus-lines broker · checked 2026-09-28
Coalition Insurance Solutions, Inc.
Coalition’s license page lists producer and surplus-lines licenses for Coalition Insurance Solutions, Inc. in all 50 states and the District of Columbia. The page separately lists insurers; this record covers the brokerage entity only. ¹¹
Coalition offers employment practices liability through its executive-risks product for private and nonprofit US organizations.
Corgi
Insurance producer · checked 2026-09-28
Corgi Insurance Services, Inc.
Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability. ¹²
Corgi lists employment practices liability among its business-insurance offerings.
TechInsurance
Insurance producer · checked 2026-09-28
Specialty Program Group LLC
TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map. ¹⁶
TechInsurance arranges employment practices liability insurance for small businesses.
Vouch
Insurance producer, Surplus-lines broker · checked 2026-09-28
Vouch Specialty Insurance Services, LLC
Vouch’s licenses page, effective January 16, 2025, lists producer licenses in all 50 states and DC. Its separate surplus-lines table includes Idaho number 870820, while a footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses. Because those statements conflict for Idaho, this record keeps Idaho producer-only and does not treat the table number as established agency surplus-lines authority. The page is company-reported and does not establish product availability. ¹⁷
Vouch lists employment practices liability within its insurance programs for technology companies.

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. ^4,^5,⁶

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: (303) 894-7499

Surplus-Lines Tax and Stamping Office in Colorado

Reported tax rate. 3% of net premium ^7,^9,⁸

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.

Questions to Ask Before You Buy Employment Practices Liability in Colorado

Does the proposed policy schedule include every Colorado employing entity, including smaller affiliates?
How does the policy treat Colorado workers classified as independent contractors and volunteers?
What internal notice steps apply when the Civil Rights Division receives or sends a charge?

Employment Practices Liability Insurance in Colorado: FAQ

Does Colorado CADA use a 15-employee threshold?

CADA’s employer definition states no numerical minimum, but excludes religious organizations or associations unless they are supported in whole or part by money raised through taxation or public borrowing. Colorado’s administrative rules separately define who counts as an employee and exclude independent contractors and certain unpaid volunteers. ^1,^2,³

What is the Colorado CADA administrative filing period?

The charge must be filed with the Colorado Civil Rights Division within 300 days after the alleged discriminatory or unfair employment practice. The policy may require earlier notice to the insurer. ¹

Sources for Employment Practices Liability Insurance in Colorado

1
Colorado Revised Statutes 2024, Title 24, Article 34, Part 4. Colorado General Assembly; §§ 24-34-401(3), 24-34-402, 24-34-403 and 24-34-405: employer definition; covered bases and retaliation; 300-day administrative charge period (the 300-day amendment took effect 2022-08-10); remedies. Current wording cross-checked against the General Assembly’s linked 2026 CRS text. Accessed 2026-09-28.
2
Colorado Civil Rights Commission Rules and Regulations, 3 CCR 708-1. Colorado Civil Rights Division; Rule 2.2(M): employee definition and exclusions, including independent contractors and unpaid volunteers; Rule 2.2(N): employer references. Accessed 2026-09-28.
3
2026 Colorado Revised Statutes — Title Downloads. Colorado General Assembly, Office of Legislative Legal Services; Official publication page states 2026 CRS is current through changes made at the 2026 Second Regular Session and links to full Title 24 text; exact § 24-34-401(3) language independently checked in linked Title 24 HTML at https://olls.info/crs/crs2026-title-24.htm. Accessed 2026-09-28.
4
Colorado Division of Insurance. Colorado Department of Regulatory Agencies; Official insurance regulator homepage; DOI oversight and consumer resources. Accessed 2026-09-28.
5
DORA Online Services. Colorado Department of Regulatory Agencies; Official DORA online services portal; select Online License Verification and insurance profession. Accessed 2026-09-28.
6
File a Complaint. Colorado Division of Insurance; Official form and instructions for insurance complaints. Accessed 2026-09-28.
7
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.
8
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.
9
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.
10
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
11
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.
12
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.
13
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.
14
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.
15
About Risklytics. Risklytics; What we do; Who we insure; Licensing; Agency licenses table dated 2026-09-10. Accessed 2026-09-16.
16
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.
17
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.

Employment Practices Liability in Colorado

What Is Employment Practices Liability Insurance?

Colorado Employment Practices Liability Insurance Requirements

What to Watch for With Employment Practices Liability in Colorado

Do not assume CADA starts at 15 employees

Check Colorado’s specific protected grounds

Track the Colorado administrative charge deadline

Include retaliation and participation allegations

Providers With Colorado License Records

Coalition

Corgi

TechInsurance

Vouch