--- title: "General Liability Insurance in Colorado" description: "Colorado generally limits a defendant’s liability to its own fault share, and ordinary tort claims have a two-year accrual period." canonical: "https://spot.insure/coverage/general-liability/colorado" page-type: "coverage-state-guide" updated-at: "2026-09-28" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/coverage/general-liability/colorado) # General Liability Insurance in Colorado Colorado reduces damages for a claimant’s fault only when that fault is less than the defendant’s; an equal share bars recovery under §13-21-111. In ordinary tort cases each defendant generally pays only its own share, but a two-year deadline does not apply to motor-vehicle torts, which have a separate limitations rule.[^1][^2] **Coverage:** [General liability](/coverage/general-liability) · [Colorado](/coverage/states/colorado) ## What Is General Liability? General liability can protect your business when a customer or visitor claims you caused injury or damaged their property. It suits businesses serving customers or working on their premises; your own building, tools and stock need property coverage. [Read the national General liability guide](/coverage/general-liability). ## What to Watch for in Colorado ### An Equal Fault Share Bars Recovery Under C.R.S. §13-21-111, claimant fault must be less than the defendant’s fault for recovery; otherwise the claim is barred, and any allowed award is reduced proportionally. Ask whether the claim’s evidence supports an allocation below or above that threshold.[^1] ### Most Defendants Pay Their Own Share C.R.S. §13-21-111.5 generally caps each defendant’s liability at its own fault percentage, with joint liability for people who consciously conspire and deliberately pursue a common plan to commit a tort. Ask how your limit is sized for the insured’s own share and any conduct attributed through agency.[^1] ### An Admission Does Not End Direct-Negligence Claims Section 13-21-111.5(1.5) says an employer or principal does not avoid its own direct-negligence claims or related discovery by admitting an employee’s or agent’s course-and-scope. If your business uses staff or agents, ask whether the quote covers the operations and entities named in the proposed policy.[^1][^3] ### Check Whether the Claim Involves a Vehicle C.R.S. §13-80-102(1)(a) sets two years for ordinary tort claims, including negligence. Tort bodily-injury or property-damage actions arising from motor-vehicle use are separately treated under §13-80-101(1)(n), so ask which rule fits before using the general two-year date.[^1][^2] ## 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] - [Regulator website](https://doi.colorado.gov/) - [License lookup](https://apps2.colorado.gov/dora/licensing/default.aspx) - [File a complaint](https://doi.colorado.gov/for-consumers/file-complaint) - Phone: (303) 894-7499 ### 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.[^7][^9][^8] ## Providers With Documented State Licenses These providers publish a national listing for General liability; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm that the product is available in Colorado; [check the regulator’s license lookup](https://apps2.colorado.gov/dora/licensing/default.aspx) and confirm state availability for your business when requesting a quote. - [Corgi](/insurance-providers/corgi) — **Entity:** Corgi Insurance Services, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** 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] - [ERGO NEXT Insurance](/insurance-providers/next-insurance) — **Entity:** Next First Insurance Agency, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** ERGO NEXT’s current license table lists Next First Insurance Agency, Inc. in 50 jurisdictions, including Washington, DC; New York is excluded because its table rows name Next Insurance Services and AP Intego, not Next First. The table is company-reported; it does not establish product availability or provide state-regulator verification for each entry.[^14] - [Hiscox](/insurance-providers/hiscox) — **Entity:** Hiscox Insurance Company Inc.; **role:** Insurer; **checked:** 2026-09-28. **Scope:** Hiscox’s U.S. company information states that Hiscox Insurance Company Inc. is licensed in all 50 states and the District of Columbia. This is company-reported insurer authority for this entity and does not establish which company issues every Hiscox-branded product.[^13] - [Risklytics](/insurance-providers/risklytics) — **Entity:** Risklytics, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** Risklytics’ licensing page lists its Massachusetts resident agency license plus state license records in Arizona, Colorado, Illinois, Indiana, New Jersey, Ohio, Texas and Washington; it identifies the NPN record date as September 10, 2026. This list is company-published and not a product availability map.[^15] - [TechInsurance](/insurance-providers/techinsurance) — **Entity:** Specialty Program Group LLC; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** 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] - [Vouch](/insurance-providers/vouch) — **Entity:** Vouch Specialty Insurance Services, LLC; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Scope:** 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] ## Questions to Ask Before You Buy in Colorado 1. Could claimant fault reach the defendant’s share under C.R.S. §13-21-111, and how would that affect the damages claim? 2. If we admit an employee acted within the job, what direct-negligence allegations against the company may remain? 3. Does the claim arise from motor-vehicle use and therefore fall outside the ordinary two-year tort period? ## General Liability in Colorado: FAQ ### What happens if an injured person is 50% at fault in Colorado? Recovery is barred if the claimant’s negligence is as great as the defendant’s under C.R.S. §13-21-111; if claimant fault is lower, damages are reduced proportionally.[^1] ### What is Colorado’s general deadline for a negligence claim? Two years after accrual for ordinary tort actions under C.R.S. §13-80-102(1)(a). Motor-vehicle bodily-injury or property-damage actions have a separate rule under §13-80-101(1)(n).[^1][^2] ## General Liability in Other States - [Alabama](/coverage/general-liability/alabama) - [Alaska](/coverage/general-liability/alaska) - [Arizona](/coverage/general-liability/arizona) - [Arkansas](/coverage/general-liability/arkansas) - [California](/coverage/general-liability/california) - [Connecticut](/coverage/general-liability/connecticut) - [Delaware](/coverage/general-liability/delaware) - [District of Columbia](/coverage/general-liability/district-of-columbia) - [Florida](/coverage/general-liability/florida) - [Georgia](/coverage/general-liability/georgia) - [Hawaii](/coverage/general-liability/hawaii) - [Idaho](/coverage/general-liability/idaho) - [Illinois](/coverage/general-liability/illinois) - [Indiana](/coverage/general-liability/indiana) - [Iowa](/coverage/general-liability/iowa) - [Kansas](/coverage/general-liability/kansas) - [Kentucky](/coverage/general-liability/kentucky) - [Louisiana](/coverage/general-liability/louisiana) - [Maine](/coverage/general-liability/maine) - [Maryland](/coverage/general-liability/maryland) - [Massachusetts](/coverage/general-liability/massachusetts) - [Michigan](/coverage/general-liability/michigan) - [Minnesota](/coverage/general-liability/minnesota) - [Mississippi](/coverage/general-liability/mississippi) - [Missouri](/coverage/general-liability/missouri) - [Montana](/coverage/general-liability/montana) - [Nebraska](/coverage/general-liability/nebraska) - [Nevada](/coverage/general-liability/nevada) - [New Hampshire](/coverage/general-liability/new-hampshire) - [New Jersey](/coverage/general-liability/new-jersey) - [New Mexico](/coverage/general-liability/new-mexico) - [New York](/coverage/general-liability/new-york) - [North Carolina](/coverage/general-liability/north-carolina) - [North Dakota](/coverage/general-liability/north-dakota) - [Ohio](/coverage/general-liability/ohio) - [Oklahoma](/coverage/general-liability/oklahoma) - [Oregon](/coverage/general-liability/oregon) - [Pennsylvania](/coverage/general-liability/pennsylvania) - [Rhode Island](/coverage/general-liability/rhode-island) - [South Carolina](/coverage/general-liability/south-carolina) - [South Dakota](/coverage/general-liability/south-dakota) - [Tennessee](/coverage/general-liability/tennessee) - [Texas](/coverage/general-liability/texas) - [Utah](/coverage/general-liability/utah) - [Vermont](/coverage/general-liability/vermont) - [Virginia](/coverage/general-liability/virginia) - [Washington](/coverage/general-liability/washington) - [West Virginia](/coverage/general-liability/west-virginia) - [Wisconsin](/coverage/general-liability/wisconsin) - [Wyoming](/coverage/general-liability/wyoming) [Other Coverage in Colorado](/coverage/states/colorado) ## Sources [^1]: [Colorado Revised Statutes 2026, Title 13](https://olls.info/crs/crs2026-title-13.pdf) — Office of Legislative Legal Services, Colorado General Assembly; §§13-21-111(1)–(3), 13-21-111.5(1)–(4),(1.5)(a), 13-80-102(1)(a); current compilation. Accessed 2026-09-28. [^2]: [2026 CRS Titles for Download](https://content.leg.colorado.gov/agencies/office-legislative-legal-services/2026-crs-titles-download) — Colorado General Assembly, Office of Legislative Legal Services; Current through amendments/additions/repeals enacted by 75th General Assembly, Second Regular Session in 2026. Accessed 2026-09-28. [^3]: [HB20-1348, Additional Liability Under Respondeat Superior](https://leg.colorado.gov/bill_files/56555/download) — Colorado General Assembly; Enrolled bill adding C.R.S. §13-21-111.5(1.5); effective 2020. Accessed 2026-09-28. [^4]: [Colorado Division of Insurance](https://doi.colorado.gov/) — Colorado Department of Regulatory Agencies; Official insurance regulator homepage; DOI oversight and consumer resources. Accessed 2026-09-28. [^5]: [DORA Online Services](https://apps2.colorado.gov/dora/licensing/default.aspx) — 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](https://doi.colorado.gov/for-consumers/file-complaint) — Colorado Division of Insurance; Official form and instructions for insurance complaints. Accessed 2026-09-28. [^7]: [HB23-1111: Unauthorized Insurance Premium Tax Rate](https://www.leg.colorado.gov/bills/HB23-1111) — 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](https://colosla.org/about/faq) — 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)](https://leg.colorado.gov/sites/default/files/images/olls/crs2024-title-10.pdf) — 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](https://www.at-bay.com/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](https://www.coalitioninc.com/legal/licenses) — 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](https://www.corgi.insure/broker-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](https://www.hiscox.com/about-hiscox-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](https://www.nextinsurance.com/insurance-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](https://www.risklytics.ai/about/) — Risklytics; What we do; Who we insure; Licensing; Agency licenses table dated 2026-09-10. Accessed 2026-09-16. [^16]: [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses) — 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](https://www.vouch.us/legal/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 2026-09-28. This guide is informational and does not determine whether a policy is available or meets your needs. [Editorial policy](/editorial-policy). 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