Colorado Umbrella and Excess: Project Form and Dollar Trigger

Colorado contract examples set different excess schedules. The Office of the State Architect’s January 2024 design-build GMP general conditions use a $5 million each-occurrence and aggregate umbrella for construction projects exceeding $10 million, above named underlying sections and tied to their terms. A separate archived CDOT North I-25 agreement requires $10 million each occurrence and annual aggregate over employers’ liability, CGL and commercial auto. Neither example is a statewide limit; use the form and endorsements incorporated into your own contract.

What Is Umbrella and Excess Liability Insurance?

Umbrella or excess insurance adds liability limits above the policies named in the quote after a covered claim exhausts their limits. It may fit if a contract sets higher limits; check which primary policies are listed and any gaps between them. Read the national Umbrella and excess liability guide.

Colorado Umbrella and Excess Liability Insurance Requirements

Requirement	Details
State design-build threshold	Section 25.5 of the Office of the State Architect’s January 2024 SC-9.1 design-build GMP general conditions is expressly for construction projects exceeding $10 million. It requires umbrella/excess limits of $5 million each occurrence and $5 million aggregate. This is a State form clause, not a threshold for every Colorado job. ¹
Underlying and follow-form terms	SC-9.1 §25.5 places occurrence-basis umbrella/excess above the underlying insurance described in sections B–D and says it follows those terms, including additional-insured and waiver-of-subrogation provisions. It allows combinations of underlying and umbrella limits to satisfy limits specified in the earlier sections. Confirm the executed form and endorsements for your project. ¹
Archived CDOT North I-25 project contract example	The North I-25 Express Lanes, Johnstown-to-Fort Collins contract’s Exhibit F §1.2.4 requires $10 million each occurrence and $10 million annual aggregate in umbrella/excess at least as broad as the named employers’ liability, CGL and commercial-auto coverages in §§1.2.1–1.2.3. This is a project contract example. Exhibit F separately addresses pollution legal liability, so do not treat it as a liability line automatically supplied by this umbrella schedule. ²

What to Watch for With Umbrella and Excess Liability in Colorado

Do not apply the $10 million trigger to every Colorado job
The $10 million trigger belongs to OSA’s SC-9.1 design-build GMP form, while the archived North I-25 CDOT contract has its own $10 million schedule and named underlying lines. These are different contract terms. Read the executed agreement, incorporated general conditions and project supplements for your actual trigger and limits. ^1,²
Confirm which requirements may be stacked across policies
SC-9.1 allows primary and umbrella limits to combine for its specified section limits while still tying the umbrella to the underlying terms, additional-insured provisions and waiver of subrogation. Ask the contracting officer which limits can be combined and provide the endorsements that show how the layer attaches. ¹
Schedule employer liability, auto and GL deliberately
The SC-9.1 form references underlying sections B–D; the archived North I-25 contract names employers’ liability, CGL and commercial auto. Match the actual excess schedule to your employer-liability, vehicle and construction policies. The CDOT contract lists pollution legal liability separately, so confirm any pollution requirement and policy apart from umbrella limits. ^1,²

Providers With Colorado License Records

These providers publish a national listing for Umbrella and excess 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. ¹¹
Corgi lists commercial umbrella liability insurance.
Risklytics
Insurance producer · checked 2026-09-28
Risklytics, Inc.
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. ¹⁴
Risklytics arranges umbrella insurance for robotics, hardware and AI businesses.
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. ¹⁵
TechInsurance arranges commercial umbrella 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. ¹⁶
Vouch lists umbrella among core coverages 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. ^3,^4,⁵

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 ^6,^8,⁷

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 Umbrella and Excess Liability in Colorado

Is your contract the State SC-9.1 design-build form, Palisade’s sewer specification, or a different owner’s form—and what clause sets the limit trigger?
Does the umbrella’s schedule include every required underlying section, with the same additional-insured, waiver and scope terms the contract names?
Can primary and excess limits be combined for this contract, and how will the owner verify aggregate erosion or exhaustion?

Umbrella and Excess Liability Insurance in Colorado: FAQ

Does Colorado require a $5 million umbrella for all construction projects over $10 million?

No statewide amount is established by these contract examples. OSA’s SC-9.1 form says $5 million each occurrence and aggregate for projects exceeding $10 million; the archived CDOT North I-25 contract specifies $10 million each occurrence and annual aggregate. Check the agreement governing your work. ^1,²

What should I check when a Colorado contract asks for follow-form excess?

OSA’s SC-9.1 §25.5 says the State form’s umbrella follows the terms, additional-insured and waiver provisions of sections B–D and permits combined limits for specified requirements. A separate archived CDOT North I-25 contract places its $10 million layer above named employer-liability, CGL and auto policies. Confirm the executed form’s attachment and schedule. ^1,²

Sources for Umbrella and Excess Liability Insurance in Colorado

1
General Conditions of the Design/Build Guaranteed Maximum Price Agreement (State Form SC-9.1), Rev. 01/2024. Colorado Office of the State Architect, State Buildings Program; Article 25, §§25.1–25.5, PDF pp. 30–32; §25.5: applies to construction projects exceeding $10,000,000; occurrence-basis $5m each occurrence/$5m aggregate; follows sections B–D including AI/waiver; combination of underlying and umbrella limits. Accessed 2026-09-28.
2
North I-25 Express Lanes, Johnstown to Fort Collins — Book 1 Contract (March 8, 2018). Colorado Department of Transportation; Exhibit F, PDF p. 3 (PDF pp. 169–170), §§1.2.1–1.2.5: employers’ liability, CGL, commercial auto, $10m per-occurrence/$10m annual-aggregate umbrella/excess; separate project pollution-liability coverage. 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.

Colorado Umbrella and Excess: Project Form and Dollar Trigger

What Is Umbrella and Excess Liability Insurance?

Colorado Umbrella and Excess Liability Insurance Requirements

What to Watch for With Umbrella and Excess Liability in Colorado

Do not apply the $10 million trigger to every Colorado job

Confirm which requirements may be stacked across policies

Schedule employer liability, auto and GL deliberately

Providers With Colorado License Records

Corgi

Risklytics

TechInsurance

Vouch