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.
| Administrative Procedures |
| Administrative Procedures |
Names
of People to Contact |
|
| 1-1-1 | Actuarial Qualifications 1-1-1 version to be effective June 1, 2012 |
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| 1-1-4 | Concerning the Requirement for all Domestic Insurance Companies to Maintain Offices in this State repealed in full February 1, 2012 |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 Contrancts |
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 |
| Licensing | ||
| 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 Pre-Licensing 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 for Surety Bail Bonding Agent and Professional Cash Bail Agent Prelicensure Education Requirements |
Beth Ham |
| 1-2-12 | Concerning Public Insurance Adjusters | J.T. Thompson |
| 1-2-13 | Cash Bonding Agent and Professional Cash Bail Agent Reporting Requirements and Tax Payment Method and Licensure Requirements for Professional Cash Bail Agents - Report forms in Word |
Beth Ham |
Concerning Bail Bonding Agent Record Keeping, Reporting Requirements and Daily Bond Register Report forms in word for bail bonds written after November 1, 2009 Report forms in word for bail bonds written prior to November 1, 2009 |
Beth Ham | |
| 1-2-15 | Bail Bond Premium Rate Filing Requirements | J.T. Thompson |
| 1-2-16 | Bail Bonding Agent Appointment and Termination Requirements for Surety Companies |
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 |
| Corporate Issues |
| Corporate Authorization |
Names
of People to 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 |
Raymond Akers |
| 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 to be 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 - Version to be effective March 1, 2006 |
Raymond Akers |
| Self-Insurance Pools | ||
| 2-2-1 | Concerning Public Entity Self-Insurance Pools |
Raymond Akers |
| 2-2-2 | Concerning Employers Workers' Compensation Self-Insurance Pools |
Raymond Akers |
| Captive Insurance Companies | ||
| 2-3-1 | Concerning the Laws Regulating Captive Insurance Companies in Colorado |
Raymond Akers |
| Surplus Lines Companies | ||
| 2-4-1 | Concerning Surplus Lines Insurance issued by Non-Admitted Insurers |
Raymond Akers |
| Interinsurance | ||
| 2-6-1 | Concerning Attorney in Fact for Reciprocal or Interinsurance Exchanges |
Raymond Akers |
| Financial Issues |
| Financial Issues (General) |
Names
of People to Contact |
|
| 3-1-1 | Fidelity
Bond Requirements |
Scott Lloyd |
| 3-1-2 | Statutory Deposits Quarterly Reports |
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 Zones Credit Against Premium |
Suzy Birmingham |
| 3-1-7 | Concerning Conditions for Review in Determining a Hazardous Financial Condition |
Scott Lloyd |
| 3-l-8 | Concerning Actuarial Opinions and Memorandums for Life Companies |
Craig Chupp |
| 3-l-9 | Minimum Reserve Standards for Individual and Group Health Insurance Companies |
Craig Chupp |
| 3-1-10 | Concerning Financial Statement Filings, Accounting Standards and Reporting Liabilities |
Scott Lloyd |
| 3-1-11 | Risk-Based Capital (RBC) |
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 3-1-15 version to be effective June 1, 2012 |
Craig Chupp |
| 3-1-16 | Custodial
Agreements and the Use of Clearing Corporations Custodian Affidavits |
Scott Lloyd |
| Securities | ||
| 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 |
Scott Lloyd |
| 3-2-7 | Concerning the Definition of Instrumentality and Investments in Mortgage- backed Securities by Insurance Companies. |
Scott Lloyd |
| Reinsurance | ||
| 3-3-1 | Assumption Reinsurance Agreements 3-3-1 version to effective June 1, 2012 |
Raymond Akers |
| 3-3-2 | Ceding
Reinsurance Agreements Repealed effective Jan. 1, 2007 |
Craig Chupp |
| 3-3-3 | Credit
for Reinsurance Material Incorporated by Reference |
Scott Lloyd |
| 3-3-4 | Life
and Health Reinsurance Agreements |
Craig Chupp |
| 3-3-5 | Property
and Casualty Reinsurance Agreements |
Craig Chupp |
| Holding Companies | ||
| 3-4-1 | Holding Company System |
Scott Lloyd |
| Title Insurance | ||
| 3-5-1 | Concerning
Title Insurance |
Christine Nelson |
| 3-5-2 | Title Insurer Assessment |
Paula Sisneros |
| Life, Accident and Health |
| Life Insurance |
Names
of People to Contact |
|
| 4-1-1 | Variable Annuity Contracts |
Craig Chupp |
| 4-1-2 | Advertising
and Sales Promotion of Life Insurance |
Tom Abel |
| 4-1-3 | Variable
Life Insurance |
Craig Chupp |
| 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 |
Craig Chupp |
| 4-1-6 | Permitting Smoker/Nonsmoker Mortality Tables for Use in Determining Minimum Reserve Liabilities and Nonforfeiture Benefits |
Craig Chupp |
| 4-1-7 | For Recognizing a New Annuity Mortality Table for Use in Determining Liabilities for Annuities |
Craig Chupp |
| 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) |
Craig Chupp |
| 4-1-10 | Recognition
of the 2001 CSO Mortality Table for use in determing minimum reserve liability and nonforfeiture benefits |
Craig Chupp |
| 4-1-11 | Concerning Suitability In Annuity Transaction |
John Sylvestre |
| 4-1-12 | Concerning
the Disclosure Requirements for Annuity Transactions Material Incorporated by Reference (Buyer's Guide to Equity-Indexed Annuities) |
Paula Sisneros |
| 4-1-13 | Permitting
the Recognition of Preferred Mortality Tables for Use in Determining
Minimum Reserve Liabilitiles |
Craig Chupp |
| 4-1-14 | Military Sales Practices | Tom Abel |
| 4-1-15 | Preneed Life Insurance Minimum Mortality Standards for Determining Reserve Liabilities and Nonforfeiture Values | Craig Chupp |
| Accident and Health Insurance (General) | ||
| 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 and Annual Report Submissions 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 Comprehensive Health Benefit Plan Description 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 4-2-24 version to be effective June 1, 2012 |
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 |
Tom Abel |
| 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/Carol O'Bryan |
| 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 |
| Medicare | ||
| 4-3-1 | Minimum Standards for Medicare Supplement Policies |
Tom Abel |
| Long Term Care | ||
| 4-4-1 | Concerning Requirements for Long Term Care Insurance |
Tom Abel |
| 4-4-4 | Concerning Long-Term Care Partnership Program | Tom Abel |
| Group Health Insurance | ||
| 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 and the Basic and Standard Health Benefit Plans |
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 | ||
| 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 | ||
| 4-9-2 | Credit Insurance |
Craig Chupp |
| Property and Casualty |
| Property and Casualty Insurance | Names of People to Contact | |
| 5-1-1 | Mass Merchandising of Property and Liability Insurance 5-1-1 version to be effective June 1, 2012 |
David Martinez |
| 5-1-2 | Application and Binder Forms |
Stephanie
Paswaters |
| 5-1-6 | Definition
of Inland Marine Insurance |
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 Submissions Property And Casualty Insurance |
Stephanie Paswaters |
| 5-1-11 | Risk Modification Plan 5-1-11 version to be effective June 1, 2012 |
Patrick Knepler |
| 5-1-12 | Warranties and Service Contracts 5-1-12 version to be effective June 1, 2012 |
Tom Abel |
| 5-1-13 | Exemption
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 | Stacy Coleman |
| Automobile Insurance | ||
| 5-2-1 | Relative Value Schedule for No Fault to be repealed June 1, 2012 |
Shawna Bailey |
| 5-2-2 | Renewal
of Automobile Insurance Policies -- Excluded Named Drivers |
Stacy Coleman |
| 5-2-3 | Auto Accident Reparations Act (No Fault) Rules and Regulations to be repealed June 1, 2012 |
Bobbie Baca |
| 5-2-5 | Fees for Arbitrators to be repealed June 1, 2012 |
Shawna Bailey |
| 5-2-6 | Automobile No Fault Cost Containment Options to be repealed June 1, 2012 |
Tom Abel |
| 5-2-7 | Voluntary Arbitration for PIP Disputes to be 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 to be 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 to be repealed June 1, 2012 |
Bobbie Baca |
| 5-2-15 | Concerning Consumer Protection for Vehicle Valuation and Rental Reimbursements | Bobbie Baca |
| 5-2-16 | Disclosure Requirements for Private Passenger Automobile Policies |
Bobbie Baca |
| Workers Compensation Insurance | ||
| 5-3-1 | Workers' Compensation Standards for Risk Management 5-3-1 version to be effective June 1, 2012 |
Tom Abel |
| 5-3-2 | Workers' Compensation Insurance Data Reporting |
Carol O'Bryan |
| 5-3-3 | Concerning Workers' Compensation Deductible Policies in Excess of $5,000 5-3-3 version to be effective June 1, 2012 |
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 |
| General (Consumer Protection) |
|
Unfair Trade Practices |
Names
of People to Contact |
|
| 6-1-1 | Limiting Coverage |
Paula Sisneros |
| Consumer Complaint and Investigations | ||
| 6-2-1 | Complaint Record Maintenance to be repealed June 1, 2012 |
Jeff
Olson |
| Market Conduct | ||
| 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 | ||
| 6-4-1 | Privacy Of Consumer Financial And Health Information |
Paula Sisneros |
| 6-4-2 | Standards for Safeguarding Customer Information |
Paula
Sisneros |
| Fraud | ||
| 6-5-1 | Concerning the Reporting of Suspected Insurance Fraud |
Lauren Keast |
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