Liquor Liability in Colorado

Colorado requires proof that a licensee willfully and knowingly sold or served alcohol to someone under 21 or visibly intoxicated, and suit must begin within one year. The consumer cannot sue under the statute; damages are adjusted for inflation. A liquor liability policy is specifically required for qualifying promotional associations in common-consumption areas.

What Is Liquor Liability Insurance?

Liquor liability can cover claims tied to your business selling, serving or furnishing alcohol. If you run a bar, restaurant or event where you provide drinks, check how the quote treats injuries, property damage and occasional service. Read the national Liquor liability guide.

Colorado Liquor Liability Insurance Requirements

Requirement	Details
Common-consumption-area insurance	A qualifying promotional association for a common-consumption area must maintain properly endorsed general liability and liquor liability insurance acceptable to the local licensing authority and name that authority as an additional insured. This is a specific common-area condition, not a general rule for every liquor license. ²

What Should You Watch for With Liquor Liability Insurance in Colorado?

A sale alone is not enough for the statutory claim
The plaintiff must prove willful and knowing service to a person under 21 or visibly intoxicated; an action must be commenced within one year, and the person who drank cannot bring the statutory action. ^1,⁴
Do not quote the base damage figure as today’s cap
Section 44-3-801 sets a $150,000 base limitation and requires inflation adjustments every two years; confirm the applicable adjusted amount for the claim date. ¹
Common-consumption areas create a separate insurance condition
A promotional association may be refused or decertified if it lacks the locally acceptable endorsed general and liquor liability policy or does not name the local licensing authority as an additional insured. ^2,⁴

Which Liquor Liability Providers Have Colorado License Records?

These providers publish a national listing for Liquor 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.

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. ¹³
Corgi markets liquor liability for eligible veterans’ and fraternal lodges with licensed on-premises bars.

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

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 ^8,^10,⁹

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 Liquor Liability in Colorado

Will the operation or a promotional association attach to a certified common-consumption area, and what endorsement and additional-insured wording does the local authority require?
Does the policy identify the licensed entity and cover service in every attached premises and event area?
What limit, defense treatment, and exclusions apply to an allegation of knowing service to an underage or visibly intoxicated patron?

Liquor Liability Insurance in Colorado: Frequently Asked Questions

What must be proved for a Colorado licensee-liability claim?

The statute requires willful and knowing sale or service to a person under 21 or visibly intoxicated and a suit filed within one year; the intoxicated purchaser is excluded from bringing that statutory claim. ¹

Does Colorado require liquor liability insurance for every alcohol license?

The provisions reviewed establish an insurance condition for qualifying common-consumption-area promotional associations, with terms accepted by local authority; this guide does not infer a statewide mandate for every license type. ^2,³

Sources for Liquor Liability Insurance in Colorado

1
Colorado Revised Statutes 2026, §44-3-801: Civil Liability. Colorado General Assembly, Office of Legislative Legal Services; C.R.S. §44-3-801(1)–(6); current 2026 text. Accessed 2026-09-28.
2
Colorado Revised Statutes 2026, §44-3-301: Licensing in General. Colorado General Assembly, Office of Legislative Legal Services; C.R.S. §44-3-301(11)(c)(III)(D) and (11)(d)–(e). Accessed 2026-09-28.
3
2026 Colorado Revised Statutes: Official Titles and Downloads. Colorado General Assembly, Office of Legislative Legal Services; Current 2026 CRS release, Title 44 link and edition information. Accessed 2026-09-28.
4
Colorado Revised Statutes 2024, Title 44. Colorado General Assembly, Office of Legislative Legal Services; §44-3-801(1)–(6) and §44-3-301(11)(c)(III)(D); prior compiled statutory text cross-checked against current 2026 title. 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.

Liquor Liability in Colorado

What Is Liquor Liability Insurance?

Colorado Liquor Liability Insurance Requirements

What Should You Watch for With Liquor Liability Insurance in Colorado?

A sale alone is not enough for the statutory claim

Do not quote the base damage figure as today’s cap

Common-consumption areas create a separate insurance condition