The Colorado Division of Insurance continues to develop policies, information and resources for insurance consumers and the insurance industry in response to COVID-19.
- Emergency Regulation 20-E-13 - Concerning Coverage and Cost Sharing Requirements for Commercial Insurance Market Coverage of COVID-19 Claims - adopted November 18, 2020
- Emergency Regulation 20-E-12 - Concerning Coverage and Reimbursement for COVID-19 Treatment during the COVID-19 Disaster Emergency - adopted August 17, 2020
- Emergency Regulation 20-E-11 - Concerning Coverage and Reimbursement for Telehealth Services During the COVID-19 Emergency - adopted August 14, 2020
- Emergency Regulation 20-E-09 - Concerning Coverage and Cost Sharing Requirements for Commercial Insurance Market Coverage of COVID-19 Claims - Adopted 7/18/2020
- Increasing Coloradans' Access to Affordable Health Coverage During COVID-19 Emergency - Letter from Colorado Insurance Commissioner Conway to Colorado's Congressional Delegation - sent May 7, 2020
- B-4.108 Policy Directives for COVID-19 Testing during the COVID-19 Public Health Emergency - issued April 30, 2020
- B-4.107 Policy Directives for Continuation of Individual Health Insurance Coverage during the COVID-19 Public Health Emergency - issued April 21, 2020
- Emergency Regulation 20-E-07 - Concerning Coverage and Reimbursement for COVID-19 Treatment during the COVID-19 Disaster Emergency - adopted April 18, 2020
- Bulletin B-4.106 - Policy Directives for Commercial Insurance Market Coverage of Home Health Services Related to COVID-19 or COVID-19-Like Symptoms - issued April 7, 2020
- Emergency Regulation 20-E-05 - Concerning Coverage and Reimbursement for Telehealth Services During the COVID-19 Emergency - adopted April 3, 2020
- Emergency Regulation 20-E-06 - Concerning Establishing a COVID-19 Related Special Enrollment Period for Enrollment in an Individual Health Benefit Plan - adopted April 3, 2020
- Bulletin B-4.105 - Directives for Small and Large Group Health Benefits Plans Related to COVID-19 - issued March 27, 2020
- Reporting Form for Small and Large Group Insurance Carriers for Bulletin B-4.105
- FAQs for Employers Regarding Directives on Small and Large Group Health Benefit Plans
- March 27, 2020 - DOI issues directives on auto insurance and restaurant workers, protecting employers’ health insurance and property and casualty insurance
- COVID-19 Medicare Fraud Alert Resources
- Medicare and Coronavirus: What you need to know
- Emergency Regulation 20-E-02: Establishing COVID-19-Related Special Enrollment Period - adopted March 19, 2020
- Emergency Regulation 20-E-01: Coverage and Cost-Sharing Requirements for Commercial Insurance Market Coverage of COVID-19 Claims - adopted March 17, 2020
- Reg 20-E-01 was developed from Bulletin B-4.104 - Policy Directives for Commercial Insurance Market Coverage of COVID-19 Claims - issued March 9, 2020
- March 9, 2020 - Consumer Advisory: Division of Insurance Directs Insurers on COVID-19 Coverage
- Emergency Regulation 20-E-15 - Concerning Restrictions on Coverage for Use of a Personal Automobile or as an Additional Unnamed Driver on a Restaurant Commercial Automobile Policy for Food Delivery During Pendency of any Public Health Orders Related to COVID-19 that Impact Restaurant Services - Adopted November 19, 2020
- Revised Bulletin B-5.38 - Actions to Protect Consumers with Property and Casualty Insurance Policies During the COVID-19 Emergency in Colorado - Reissued September 17, 2020
- Emergency Regulation 20-E-10 - Concerning Restrictions on Coverage for Use of Personal Automobile or as an Additional Unnamed Driver on a Restaurant Commercial Automobile Policy for Food Delivery During Pendency of Public Health Order 20-22 - Adopted July 22, 2020
- B-5.41 On-site Property Damage Inspections, Replacement Vehicles and Additional Living Expense (ALE) Requirements due to COVID-19 - issued May 5, 2020
- April 13, 2020 - Consumer Information Regarding Title Insurance During COVID-19 Emergency
- Bulletin B-5.39 - Property and Casualty Insurers Submitting Filings for Discounts During COVID-19 Emergency - issued April 6, 2020
- April 3, 2020 - FAQs on Business Interruption Insurance from the Division of Insurance
- March 29, 2020 - FEMA Extends Grace Period for Flood Insurance Renewal Premiums - See more at floodsmart.gov.
- Emergency Regulation 20-E-03: Removing Restrictions on Automobile Insurance for Restaurant Delivery - adopted March 26, 2020
- Bulletin B-5.38 - Actions to Protect Consumers with Property and Casualty Insurance Policies During the COVID-19 Emergency in Colorado - issued March 27, 2020
- Extended Procedural Order on Temporary Individual Resident and Non-Resident Producer Licenses - adopted Aug. 2, 2020
- UPDATED COVID-19 Guidance on Temporary Individual Resident Insurance Producer Licenses - updated Aug. 2, 2020
- NOTICE: As of May 1, 2020, Pearson VUE, the Division's licensing vendor, is opening its Pearson VUE-owned testing centers. To maintain appropriate social distancing measures, these sites will be operating at 50% capacity. The Colorado third-party testing center network has expanded and is open for testing. To view the most current test center availability and schedule an examination, visit home.pearsonvue.com/co/insurance and sign into your account (or create an account). Please email Pearson VUE's Colorado office at pvcoloradoinsurance@pearson.com for more information.
- Procedural Order - In Re: Temporary Individual Resident and Non-Resident Insurance Producer Licenses - adopted May 11, 2020
- COVID-19 Guidance on Temporary Individual Resident Insurance Producer Licenses - Issued May 11, 2020
- Emergency Regulation 20-E-04: Allowing for the continuation of insurance license and registration renewals and procedures such as continuing education during the COVID-19 emergency - adopted April 2, 2020
Due to the COVID-19 public health emergency, the Division is altering how it handles certain processes and activities. The following outlines those specific process changes and the anticipated duration of those changes.
- Service of Process
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- Bulletin B-1.35 - Updated 8-31-2020
- As there are few DOI staff available in the building as most are working remotely, there is limited availability to accept service of process of legal documents. The Department of Regulatory Agencies (DORA) has issued Bulletin B-1.35 to offer guidance for Notice of Availability of Alternative Service of Process that includes electronic waivers to serve documents electronically.
- The purpose of this bulletin is to provide a temporary operating procedure for accepting alternate Service of Process (SOP) during the COVID-19 emergency while the Division of Insurance is operating remotely as its offices are physically closed. At the present time, the Division is unable to receive hard copy submissions of service of process as it's offices are closed. See the Bulletin (B-1.35) for full details.
- Sections 10-3-107, 10-3-905, and 10-3-1003, C.R.S
- Duration: While the Division of Insurance is operating remotely as its offices are physically closed.
- Automobile Insurance Liability Policy Disclosure Requests
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- Division will continue to process requests for auto liability limits received electronically (preferred). Due to the Executive Orders related to the COVID-19 emergency, if hard copy requests are received, their processing will be delayed.
- § 10-3-1117, C.R.S., Regulation 5-2-3, and Bulletins B-1.33 and B-1.34
- Duration: While the Division of Insurance is operating remotely and/or its offices are physically closed.
- License / Registration Continuation (including continuing education)
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- Emergency Regulation 20-E-04
- Emergency Regulation 20-E-04 contemplated that the Division would provide all current insurance producers, insurance agencies, cash-bonding agents, and professional cash-bail agents affected by the temporary continuation sixty (60) days notice to come into compliance prior to the expiration of the emergency license continuation. Accordingly, the Division is providing notice of the following requirements to all insurance producers, insurance agencies, cash-bonding agents, and professional cash-bail agents affected by the temporary continuation.
- Licenses with Expiration Dates between March 31, 2020 and December 31, 2020
- All insurance producers, insurance agencies, cash-bonding agents, and professional cash-bail agents who were granted, benefitted from, or affected by temporary continuation of license renewal deadlines, associated procedures, including continuing education requirements and licensing fees, must come into compliance with all applicable Colorado insurance laws, including, but not limited to, C.R.S. § 10-2-101, et seq., C.R.S. § 10-23-102, et seq., and Division Regulations 1-2-10, 1-2-4, 7-1-1, 7-1-2, by December 31, 2020.
- Please email Pearson VUE's Colorado office at pvcoloradoinsurance@pearson.com with any questions.
Additional Resources
- COVID-19 Updates for Licensees & Consumers from DORA
- State of Colorado COVID-19 Information
- OnwardCO.org - This site connects Coloradans with services, funds and jobs during the COVID-19 crisis.
- Life Insurance Policy Locator Tool - Matches beneficiaries with lost or misplaced life insurance policies or annuities.
- Identifying and Avoiding COVID-19 Scams (information from the National Association of Insurance Commissioners)
- NAIC Coronavirus Resource Center (includes links to WHO, CDC, NIH, FDA, CMS, and other resources)
- Worldometer COVID-19 Coronavirus Outbreak