Colorado

On December 8, 2025, the Colorado Department of Regulatory Agencies (DORA) issued Revised Bulletin No. B-10.001 regarding the format of the required attestation for insurers who do not use external consumer data and information sources (ECDIS), or algorithms or predictive models that use ECDIS.

On February 10, 2026, the Colorado Department of Regulatory Agencies issued Bulletin No. B-5.56, providing guidance to all property insurers regarding annual written notices to policyholders on wildfire risk scores and mitigation discounts.

On November 14, 2025, the Colorado Department of Regulatory Agencies (DORA) issued Bulletin No. B-10.005 to address inquiries about the manner and format of the interim report required by Colorado Insurance Regulation 10-1-1 for private passenger auto insurers that use external consumer data and information sources (ECDIS), or algorithms or predictive models that use ECDIS.

On October 31, 2025, the Colorado Department of Regulatory Agencies (DORA) issued Bulletin No. B-5.55 regarding insurer practices following floods that occurred in Pagosa Springs and the southern part of the state.

On October 20, 2025, the Colorado Division of Insurance (DOI) issued Bulletin No. B-5.53 to provide their position on wildfire smoke, soot, ash, odor, and char damage sub-limits.

Colorado has amended 3 CCR 702-10, which, among other provisions, establishes governance and risk management requirements for private passenger automobile insurers that use external consumer data and information sources (ECDIS).

Colorado has enacted House Bill 1182, which, among other provisions, states that an insurer that uses a wildfire risk model, a catastrophe model, or scoring method to assign risk must provide the model or method to the Commissioner as part of a complete filing. The filing should include a description of the model, the impact of the model on rates, actuarial justification for all rating factors, mitigation discounts offered, and an explanation of the use of the model in underwriting decisions.

Colorado has enacted House Bill 1207, which, among other provisions, states that insurers may not refuse to issue, cancel, nonrenew, or increase a premium for a commercial policy for multifamily units—or a policy to cover the contents of a structure used for a residence and occupied by an owner or renter—based on the breed or mixture of breeds of a dog at the unit or structure. However, this does not prohibit an insurer from taking such action on the above-mentioned policies based on sound underwriting and actuarial principles on the basis that a particular dog at the unit or structure is known or declared to be dangerous.