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Product Recall Insurance in Colorado

Colorado’s 6 CCR 1010-21 requires industrial-hemp product processors and manufacturers to keep a written recall plan with consignee notice, public notice when appropriate, effectiveness checks, and product disposition. This rule has a narrow industrial-hemp scope; compare those tasks with your actual products and policy terms. 2

What Is Product Recall?

Product recall insurance can pay specified costs to locate and withdraw a product after a covered problem. It fits businesses that could face recall logistics; product liability does not automatically pay those costs, so compare the trigger and covered expenses. Read the national Product recall guide.

What to Watch for in Colorado

  • Industrial-Hemp Processors Must Plan Recalls

    6 CCR 1010-21 requires industrial-hemp product facilities to keep a written recall plan and assign responsibility for consignee notice, public notice when appropriate, effectiveness checks, and disposition. Do not apply this provision to unrelated manufacturers. 1

  • Plan for More Than Destruction

    The Colorado rule describes appropriate disposition as reprocessing, reworking, diversion to a safe use, or destruction. Ask how each option and any response-consultant fees are treated. 1

  • Confirm Which Hemp Products Are in Scope

    Colorado’s 2018 HB18-1295 addresses food and cosmetics containing industrial hemp and describes state oversight of wholesale businesses that sell, manufacture, process, or store industrial-hemp products. Read with the recall-plan rule, this is a reason to identify your hemp-derived product classes and operations precisely in the application. 2,1

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. 3,4,5

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. 6,8,7

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. Does the schedule include each Colorado industrial-hemp product and processing operation?
  2. Are reprocessing, rework, diversion, destruction, and effectiveness checks defined separately?
  3. Will voluntary action under our written plan meet the policy trigger, or must an agency first request a recall?

Product Recall in Colorado: FAQ

Who in Colorado must maintain a written recall plan under 6 CCR 1010-21? 2,1

Industrial-hemp product processing and manufacturing facilities. The rule lists consignee notice, public notice when appropriate, effectiveness checks, and appropriate disposition. 2,1

Does Colorado’s industrial-hemp recall rule require every affected product to be destroyed? 1

No. It lists reprocessing, reworking, diversion to a use without a safety concern, or destruction as appropriate disposition. 1

Product Recall in Other States

Other Coverage in Colorado

Sources

  1. 6 CCR 1010-21: Colorado Wholesale Food, Industrial Hemp, and Shellfish Regulations. Colorado Secretary of State; §21.I(1)(a)–(d), Recalls; adopted February 17, 2021, effective April 14, 2021. Accessed 2026-09-28.
  2. HB18-1295: Hemp Products Deemed Not Adulterated or Misbranded. Colorado General Assembly; Enacted 2018; bill summary describes food/cosmetics containing industrial hemp and CDPHE authority over wholesale sale, manufacture, processing, and storage. Accessed 2026-09-28.
  3. Colorado Division of Insurance. Colorado Department of Regulatory Agencies; Official insurance regulator homepage; DOI oversight and consumer resources. Accessed 2026-09-28.
  4. DORA Online Services. Colorado Department of Regulatory Agencies; Official DORA online services portal; select Online License Verification and insurance profession. Accessed 2026-09-28.
  5. File a Complaint. Colorado Division of Insurance; Official form and instructions for insurance complaints. Accessed 2026-09-28.
  6. 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.
  7. 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.
  8. 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.
  9. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  10. 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.
  11. 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.
  12. 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.
  13. 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.
  14. About Risklytics. Risklytics; What we do; Who we insure; Licensing; Agency licenses table dated 2026-09-10. Accessed 2026-09-16.
  15. 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.
  16. 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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