Colorado.gov: The Official State Web Portal

Text Size

Regulations

The Colorado Division of Insurance maintains the current versions of insurance regulations as well as information concerning rule-making on this website. However, the Colorado Division of Insurance acknowledges the code of Colorado regulations and the Colorado register as the sole official publications for rules, regulations, notices of rule-making, and proposed rules pursuant to § 24-4-103(11)(a), C.R.S.

The code of Colorado regulations and the Colorado register can be accessed online by clicking here: code of Colorado regulations and the Colorado register.
top

1 Administrative Procedures

Regulation Number and Description	Contact
1-1-1 Actuarial Qualifications	Patrick Knepler
1-1-2 Public Adjuster Representation Contracts	Martha Petropulos
1-1-3 Concerning Rules Governing the Filing of Declaratory Judgment Petitions with the Colorado Insurance Commissioner	Paula Sisneros
1-1-4 Concerning the Requirement for all Domestic Insurance Companies to Maintain Offices in this State repealed in full February 1, 2012	Raymond Akers
1-1-6 Concerning the Elements of Certification for Certain Forms and Contracts	Stephanie Paswaters
1-1-7 Market Conduct Record Retention	Jeff Olson
1-1-8 Penalties and Timelines Concerning Division Inquiries And Document Request	Paula Sisneros
1-1-9 Exceptions to Electronic Rate Filings	Tom Abel

1 Licensing Requirements and Rules for Producers

Regulation Number and Description	Contact
1-2-1 Concerning Agent Fiduciary Responsibilities	Paula Sisneros
1-2-4 Continuing Education Requirements for Licensed Insurance Producers	George Mozealous
1-2-5 Insurance Producer Prelicensing Education Requirements for Residents	J.T. Thompson
1-2-6 Concerning Reinsurance Intermediaries	J.T. Thompson
1-2-7 Concerning Managing General Agents	Raymond Akers
1-2-9 Fees Charged by Producers	Paula Sisneros
1-2-10 Concerning the Regulation of Insurance Producers by the Colorado Division of Insurance: Colorado Producer Licensing Model Act	Paula Sisneros
1-2-11 Standards and Approval for Required Education Course for Producers to be Appointed by a Bail Insurance Company	Beth Ham
1-2-12 Concerning Public Insurance Adjusters	J.T. Thompson
1-2-13 Cash-Bonding Agent and Professional Cash-Bonding Agent Provisions for Release of Qualification Bond	Beth Ham
1-2-14 Concerning Record Keeping and Reporting Requirements for Insurance Producers Authorized to Write Bail Bonds, and the Format of the Required Disclosure Statement Report for Bail Bonds Written After November 1, 2009 Report for Bail Bonds written Before November 1, 2009	Beth Ham
1-2-15 Bail Bond Premium Rate Filing Requirements repealed October 15, 2012	J.T. Thompson
1-2-16 Insurance Producer Appointment and Termination Requirements for Bail Insurance Companies and Credentials Required by § 10-2-418(2), C.R.S.	Beth Ham
1-2-17 Standard Compensation Disclosure for Health Insurance Producers	Paula Sisneros
1-2-18 Use of Senior-Specific Certifications and Professional Designations in the Sale of Life Insurance and Annuities	Paula Sisneros

2 Corporate Procedures

Regulation Number and Description	Contact
2-1-1 CONCERNING THE FINANCIAL RESPONSIBILITY REQUIREMENTS FOR HEALTH CARE INSTITUTIONS	Cindy Hathaway
2-1-2 Concerning Home or Regional Home Office Qualification for Colorado Licensed Insurers	Cindy Hathaway
2-1-3 CONCERNING THE FINANCIAL RESPONSIBILITY REQUIREMENTS FOR HEALTH CARE PROFESSIONALS	Cindy Hathaway
2-1-4 Concerning the Entry of Alien Insurance Companies in Colorado repealed in full March 1, 2012	Raymond Akers
2-1-5 Concerning Annual Application for Approval as a Non-Admitted Reinsurer repealed June 1, 2012	Raymond Akers
2-1-7 Concerning Issuance of a Certificate of Authority	Raymond Akers
2-1-8 Concerning Risk Retention Groups and Purchasing Groups	Raymond Akers
2-1-9 Concerning the Licensure of Limited Service Licensed Provider Networks	Cindy Hathaway
2-1-10 Motor Vehicle Self-Insurance	Cindy Hathaway
2-1-11 VIATICAL SETTLEMENTS	Raymond Akers
2-2-1 Concerning Public Entity Self-Insurance Pools	Raymond Akers
2-2-2 Concerning Employers Workers' Compensation Self-Insurance Pools	Raymond Akers
2-3-1 Concerning the Laws Regulating Captive Insurance Companies in Colorado	Raymond Akers
2-4-1 CONCERNING SURPLUS LINES INSURANCE ISSUED BY NONADMITTED INSURERS	Raymond Akers
2-6-1 Concerning Attorney in Fact for Reciprocal or Interinsurane Exchanges repealed in full effective September 1, 2012	Raymond Akers

3 Financial Issues (General)

Regulation Number and Description	Contact
3-1-1 Fidelity Bond Requirements	Scott Lloyd
3-1-2 STATUTORY DEPOSITS QUARTERLY REPORTS ON MARKET VALUE	Scott Lloyd
3-1-3 Concerning Actuarial Opinions	Patrick Knepler
3-1-4 Concerning Annual Audited Financial Reports	Scott Lloyd
3-1-5 Concerning Enterprise Zone Credit Against Premium Tax	Suzy Birmingham
3-1-7 Regulation to Define Standards and Commissioner's Authority for Companies Deemed to be in Hazardous Financial Condition	Scott Lloyd
3-1-8 Concerning Actuarial Opinions and Memorandums for Life Companies	Patrick Knepler
3-1-9 MINIMUM RESERVE STANDARDS FOR INDIVIDUAL AND GROUP HEALTH INSURANCE CONTRACTS	Patrick Knepler
3-1-10 Concerning Financial Statement Filings, Accounting Standards and Reporting Liabilities	Scott Lloyd
3-1-11 Risk-Based Capital (RBC) for Insurers	Scott Lloyd
3-1-12 Risk-Based Capital (RBC) for Health Organizations	Scott Lloyd
3-1-13 Disclosure of Material Transactions	Scott Lloyd
3-1-14 Alternative Mechanism For Carriers Entering Into Contracts With Risk Bearing Entities	Raymond Akers
3-1-15 Premium Deficiency Reserve Standards for Individual and Group Health Benefit Plans	Patrick Knepler
3-1-16 Custodial Agreements and the Use of Clearing Corporations	Scott Lloyd

3 Securities

Regulation Number and Description	Contact
3-2-1 Proxies, Consents and Authorizations of Domestic Stock Insurers	Scott Lloyd
3-2-2 Insider Trading of Equity Securities of a Domestic Stock Insurance Company	Scott Lloyd
3-2-4 Participation Loans	Scott Lloyd
3-2-6 Securities Deposited with the Commissioner repealed August 1, 2012	Scott Lloyd
3-2-7 Concerning the Definition of Instrumentality and Investments in Mortgage-Backed Securities repealed December 1, 2012	Scott Lloyd

3 Reinsurance

Regulation Number and Description	Contact
3-3-1 Assumption Reinsurance Agreements	Raymond Akers
3-3-2 Ceding Reinsurance Agreements Repealed effective Jan. 1, 2007	Patrick Knepler
3-3-3 Credit for Reinsurance	Scott Lloyd
3-3-4 Life and Health Reinsurance Agreements	Patrick Knepler
3-3-5 Property and Casualty Reinsurance Agreements	Patrick Knepler

3 Holding Companies and Title Insurance

Holding Companies

Regulation Number and Description	Contact
3-4-1 Holding Company System	Scott Lloyd

Title Insurance

Regulation Number and Description	Contact
3-5-1 Concerning Title Insurance	Christine Nelson
3-5-1 Frequently Asked Questions	Christine Nelson
3-5-2 Title Insurer Assessment	Paula Sisneros

4 Life, Accident and Health - Life Insurance

Regulation Number and Description	Contact
4-1-1 Variable Annuity Contracts	Patrick Knepler
4-1-2 Advertising and Sales Promotion of Life Insurance	Tom Abel
4-1-3 Variable Life Insurance	Patrick Knepler
4-1-4 Replacement of Life Insurance or Annuity Contracts	Tom Abel
4-1-5 Permitting Same Minimum Nonforfeiture Standards for Men and Women Insureds Under 1980 CSO and 1980 CET Mortality Tables	Patrick Knepler
4-1-6 Permitting Smoker/Nonsmoker Mortality Tables for Use in Determining Minimum Reserve Liabilities and Nonforfeiture Benefits	Patrick Knepler
4-1-7 For Recognizing a New Annuity Mortality Table for Use in Determining Liabilities for Annuities	Patrick Knepler
4-1-8 Concerning the Disclosure Requirements for Life Insurance Illustrations	Shirley Taylor
4-1-9 Valuation of Life Insurance Policies Model Regulation (Including the Introduction and Use of New Select Mortality Factors)	Patrick Knepler
4-1-10 Recognition of the 2001 CSO Mortality Table	Patrick Knepler
4-1-11 Concerning Suitability In Annuity Transaction	John Sylvestre
4-1-12 Concerning the Disclosure Requirements for Annuity Transactions	Paula Sisneros
4-1-13 Permitting the Recognition of Preferred Mortality Tables for Use in Determining Minimum Reserve Liabilities	Patrick Knepler
4-1-14 Military Sales Practices	Tom Abel
4-1-15 Preneed Life Insurance Minimum Mortality Standards for Determining Reserve Liabilities and Nonforfeiture Values	Patrick Knepler

4 Accident and Health (General)

Regulation Number and Description	Contact
4-2-1 Replacement of Accident and Health Insurance	Tom Abel
4-2-2 Hospital Indemnity and Disability Income Policies	Tom Abel
4-2-3 Sickness and Accident Insurance Advertising	Tom Abel
4-2-5 General Hospital Definition Repealed in full May 1, 2010	Shirley Taylor
4-2-6 Concerning the Definition of the Term "Complications of Pregnancy" for Use in Accident and Health Insurance Contracts and Certificates	Shirley Taylor
4-2-8 Concerning Required Health Insurance Benefits for Home Health Services and Hospice Care	Tom Abel
4-2-9 Concerning Non-Discriminatory Treatment of Acquired Immune Deficiency Syndrome (AIDS) and Human Immunodeficiency Virus (HIV) Related Illness by Issuers of Life and Health Insurance	Tom Abel
4-2-10 REPORTING REQUIREMENTS FOR MULTIPLE EMPLOYER WELFARE ARRANGEMENTS (MEWAS)	Raymond Akers
4-2-11 RATE FILING SUBMISSIONS FOR HEALTH INSURANCE	Shirley Taylor
4-2-13 Mammography Minimum Benefit Level Repealed in full January 1, 2010	Meri Spencer
4-2-15 Required Provisions in Carrier Contracts with Providers and Intermediaries Negotiating on Behalf of Providers	Raymond Akers
4-2-16 Women's Access to Obstetricians and Gynecologists Under Managed Care Plans	Meri Spencer
4-2-17 Prompt Investigation Of Health Plan Claims Involving Utilization Review	Dayle Axman
4-2-18 Concerning the Method of Crediting and Certifying Creditable Coverage for Pre-Existing Conditions	Linda Whittington
4-2-19 Concerning Individual Health Benefit Plans Issued to Self-Employed Business Groups of One	Tom Abel
4-2-20 CONCERNING THE COLORADO SUPPLEMENT TO THE SUMMARY OF BENEFITS AND COVERAGE FORM	Dayle Axman
4-2-21 External Review of Benefit Denials of Health Coverage Plans	Dayle Axman
4-2-22 Insurer Assessments For CoverColorado	Raymond Akers
4-2-23 Procedure for Provider-Carrier Dispute Resolution	Dayle Axman
4-2-24 Concerning Clean Claim Requirements for Health Carriers	Dayle Axman
4-2-25 Pilot Program for Multiple Employer Welfare Arrangements Repealed in full April 1, 2009	Raymond Akers
4-2-26 Insurer Assessments for Commission on Mandated Health Insurance Benefits Repeal in full November 1, 2010	Raymond Akers
4-2-27 Procedures for Reasonable Modifications to Individual and Small Group Health Plans	Shirley Taylor
4-2-28 Concerning the Payment of Early Intervention Services for Children Eligible for Benefits Under Part C of the Federal "Individual with Disabilities Education Act"	Dayle Axman
4-2-29 Standardized Cards Issued to Persons Covered by Health Benefits Plans	Dayle Axman
4-2-30 The Rules for Complying with Mandated Coverage of Hearing Aids and Prosthetics	Dayle Axman
4-2-31 Annual Health Reporting and Data Retention Requirements	Tom Abel/Kelly Schultz
4-2-32 Standardized Electronic Identification And Communication Systems Guidelines For Health Benefit Plans	Kelly Schultz
4-2-33 Mandatory Open Enrollment Periods for Carriers Issuing Child Only Policies	Peg Brown
4-2-34 Section Names and the Placement of those Sections in Policy Forms by Health Carriers	Tom Abel
4-2-35 Required Information for Carriers to Provide on Explanation of Benefits Forms	Tom Abel
4-2-36 Prescreening Questionnaire for Individual Health Benefit Plans	Tom Abel
4-2-37 Required Information for Carriers to Obtain on All Full-Length Applications for Individual Health Benefit Plans	Dayle Axman
4-2-38 Contraceptive Benefits	Tom Abel

4 Group Health Insurance, Health Maintenance Organizations and Credit Insurance

Group Health Insurance

Regulation Number and Description	Contact
4-6-2 Group Coordination of Benefits	Shirley Taylor
4-6-3 Concerning CoverColorado Standardized Notice Form and Eligibility Requirements	Tom Abel
4-6-5 CONCERNING SMALL EMPLOYER GROUP HEALTH BENEFIT PLANS, THE BASIC AND STANDARD HEALTH BENEFIT PLANS, AND PREVENTIVE SERVICES	Dayle Axman
4-6-7 Concerning Premium Rate Setting for Small Group Health Plans	Shirley Taylor
4-6-8 Concerning Small Employer Health Plans	Dayle Axman
4-6-9 Concerning Conversion Coverage	Tony Tucker
4-6-10 Employee Leasing Companies And Health Care Coverage	Peg Brown
4-6-11 Concerning CoverColorado Standardized Notice Form To Be Used To Notify Certain Individuals, Eligible For Medicare, of Eligibility For CoverColorado	Tom Abel
4-6-12 Mandatory Coverage of Mental Illnesses Pursuant to § 10-16-104(5) and (5.5), C.R.S.	Peg Brown

Health Maintenance Organizations

Regulation Number and Description	Contact
4-7-1 HEALTH MAINTENANCE ORGANIZATIONS	Raymond Akers
4-7-2 CONCERNING THE LAWS REGULATING HEALTH MAINTENANCE ORGANIZATION BENEFIT CONTRACTS AND SERVICES IN COLORADO	Tom Abel

Credit Insurance

Regulation Number and Description	Contact
4-9-2 CREDIT INSURANCE	Patrick Knepler

4 Medicare and Long Term Care

Medicare

Regulation Number and Description	Contact
4-3-1 Minimum Standards for Medicare Supplement Policies	Tom Abel

Long Term Care

Regulation Number and Description	Contact
4-4-1 Concerning Requirements for Long Term Care Insurance	Tom Abel
4-4-4 Concerning Long-Term Care Partnership Program	Tom Abel

5 Property and Casualty Insurance

Regulation Number and Description	Contact
5-1-1 Mass Merchandising of Property and Liability Insurance	David Martinez
5-1-2 Application and Binder Forms	Stephanie Paswaters
5-1-6 NATIONWIDE INLAND MARINE DEFINITION	Bobbie Baca
5-1-8 Concerning Claims-made Insurance Policies	Stephanie Paswaters
5-1-9 Regulation to Require Reporting of Financial and Statistical Data by Property and Casualty Insurance Companies	Tom Abel
5-1-10 RATE AND RULE FILING SUBMISSION REQUIREMENTS PROPERTY AND CASUALTY INSURANCE	Stephanie Paswaters
5-1-11 Risk Modification Plan	Patrick Knepler
5-1-12 Warranties and Service Contracts	Tom Abel
5-1-13 EXEMPTIONS FROM RATE AND FORM FILING REQUIREMENTS FOR INSURERS PROVIDING COVERAGE TO EXEMPT COMMERCIAL POLICYHOLDERS	Stephanie Paswaters
5-1-14 PENALTIES FOR FAILURE TO PROMPTLY ADDRESS PROPERTY AND CASUALTY FIRST PARTY CLAIMS	Bobbie Baca
5-1-15 NOTIFICATION TO ADDITIONAL INSUREDS WHOSE INTERESTS ARE AFFECTED BY A CLAIM UNDER A GENERAL LIABILITY POLICY	Cheryl Goble
5-1-17 AVAILABILITY OF FIRE INSURANCE DURING WILDFIRES	Bobbie Baca

5 Automobile Insurance

Regulation Number and Description	Contact
5-2-1 Relative Value Schedule for No Fault repealed June 1, 2012	Shawna Bailey
5-2-2 Renewal of Automobile Insurance Policies - Excluded Named Drivers	Martha Petropulos
5-2-3 Auto Accident Reparations Act (No Fault) Rules and Regulations repealed June 1, 2012	Bobbie Baca
5-2-5 Fees for Arbitrators repealed June 1, 2012	Shawna Bailey
5-2-6 Automobile No Fault Cost Containment Options repealed June 1, 2012	Tom Abel
5-2-7 Voluntary Arbitration for PIP Disputes repealed June 1, 2012	Shawna Bailey
5-2-8 TIMELY PAYMENT OF PERSONAL INJURY PROTECTION BENEFITS	Shawna Bailey
5-2-9 Personal Injury Protection Examination Program	Shawna Bailey
5-2-11 Transition From No-Fault Auto To Tort System repealed June 1, 2012	Shawna Bailey
5-2-12 CONCERNING AUTOMOBILE INSURANCE CONSUMER PROTECTIONS	Bruce Glaser
5-2-13 Automobile Insurance Coverage For U.S. Military Personnel Called To Active Duty repealed June 1, 2012	Bobbie Baca
5-2-15 CONCERNING CONSUMER PROTECTION FOR VEHICLE VALUATION AND RENTAL REIMBURSEMENT	Bobbie Baca
5-2-16 Disclosure Requirements for Private Passenger Automobile Policies	Bobbie Baca

5 Workers' Compensation Insurance

Regulation Number and Description	Contact
5-3-1 Workers' Compensation Standards for Risk Management	Tom Abel
5-3-2 Workers' Compensation Insurance Data Reporting Regulation repealed December 1, 2012	Carol O'Bryan
5-3-3 Concerning Workers' Compensation Deductible Policies in Excess of $5,000	Tom Abel
5-3-4 Concerning Standards for Not At-Fault Motor Vehicle Accidents Under Workers' Compensation, Loss Limitation in Calculating Experience Modifications and Distribution of Losses in Excess of the Loss Limitation	Tom Abel
5-3-5 Workers' Compensation Deductible Reimbursement	Tom Abel

6 General (Consumer Protection)

Unfair Trade Practices

Regulation Number and Description	Contact
6-1-1 Limiting Coverage	Paula Sisneros

Consumer Complaint and Investigations

Regulation Number and Description	Contact
6-2-1 Complaint Record Maintenance repealed June 1, 2012	Jeff Olson

Market Regulation

Regulation Number and Description	Contact
6-3-1 Concerning the Use of Independent Market Conduct Examiners and Appeal Process for Expenses	Jeff Olson
6-3-2 Concerning The Use of Independent Contractors For Informal Investigations and Appeal Process For Expenses	Paula Sisneros

Confidentiality Provisions

Regulation Number and Description	Contact
6-4-1 Privacy Of Consumer Financial And Health Information	Paula Sisneros
6-4-2 Standards for Safeguarding Customer Information	Paula Sisneros

Fraud

Regulation Number and Description	Contact
6-5-1 Concerning the Reporting of Suspected Insurance Fraud	Paula Sisneros

7 Bail Registrants

Regulation Number and Description	Contact
7-1-1 Registration Requirements, Fees for Cash-Bonding Agents and Professional Cash-Bond Agents	Paula Sisneros
7-1-2 Cash-Bonding Agent and Professional Cash-Bond Agent Cash Qualification Bond Requirements and Provisions for Release of Qualification Bond	Paula Sisneros
7-1-3 Concerning Record Keeping and Reporting Requirements for Cash-Bonding Agents and Professional Cash-Bond Agents and the Format of the Required Disclosure Statement	Paula Sisneros

Connect

Contact

1560 Broadway, Suite 850, Denver, CO 80202 Email
(303) 894-7490 - Phone (800) 930-3745 - Toll Free (303) 894-7455 - Fax