Independent research · Colorado
Colorado Insurance Market & Regulatory Intelligence
A source-backed view of Colorado Division of Insurance verification paths, the dated 2025 statistical-report company directory, surplus-lines eligibility, domestic certificates, SERFF filing search, and disciplinary lookup. This is not a ranking, recommendation, or Trust Score. Producer and agency lists are search-only. The statistical report is not a live insurer roster.
Snapshot insurance-co-state-intel-v1 · fingerprint 1430467e59b9 · as of 2026-09-09
Snapshot metrics
1,839
Universe · 2025 NAIC Companies directory rows (statistical report)
Colorado DOI 2025 statistical-report NAIC Companies tab after excluding one statement-type legend row. As of 2025-12-31. Not a 2026 live authorized-insurer roster.
Search only
Current · Producer / agency bulk roster
Sircon/Vertafore consumer inquiry is OPEN_SEARCH_ONLY. Missing is not zero.
259
Observations · 2026–2027 eligible non-admitted surplus-lines identities
Official 2026–2027 eligible non-admitted list effective 2026-07-01 through 2027-06-30 (updated 2026-07-24): 225 NAIC CoCodes + 34 alien AA- identities. Eligible non-admitted is not admitted. Not a producer list.
Colorado
Geography · statewide snapshot
No Denver, county, or city insurance routes.
2025-12-31
As-of · statistical-report source date
Dated annual market report, not current legal-company status.
Trace this number
- Source
- https://doi.colorado.gov/sites/doi/files/documents/Colorado%202025%20Statistical%20Report%20Final.xlsx
- Source date
- 2025-12-31 (report published August 2026; retrieved 2026-09-09)
- Denominator
- NAIC Companies tab company rows after excluding the statement-type legend
- Calculation
- 1,840 nonempty rows − 1 legend row = 1,839 company directory rows = 1,839 distinct NAIC CoCodes.
- Reporting grain
- dated statistical-report directory row
- Coverage
- ACQUIRED as a 2025 market report, not current authorization
- Caveat
- One nonempty row is a statement-type legend, not a company. Company directory rows equal distinct NAIC CoCodes. DOM=CO is domicile on this dated directory, not current Colorado authority and not the certificates-of-compliance subset.
Who regulates Colorado insurance?
Colorado Division of Insurance (Colorado Department of Regulatory Agencies (DORA)) regulates Legal insurers, agencies, individual producers, appointments, surplus-lines eligibility, rate/form filings, examinations, disciplinary actions, and consumer complaints as described on official Colorado DOI pages. A producer is not an agency. An agency is not an insurer. A plan is not an insurer. NAIC CoCode is not NPN. Domicile is not Colorado authority.
| Class | Identity | Establishes | Does not establish |
|---|---|---|---|
| Legal insurer | NAIC CoCode when source-native | Legal-insurer identity; Colorado authority only when a current official record says so | A 2025 statistical-report row is not current authorization. A brand is not the legal insurer. NAIC is not NPN. |
| Insurance agency / business entity | NPN / Colorado agency license when a live lookup record says so | Business-entity credential when the official lookup returns one | Not an insurer. Not an individual producer. No bulk agency roster was acquired. |
| Individual producer | NPN / Colorado producer license when a live lookup record says so | Person license when the official lookup returns one | Not an agency. Not published as a person directory here. |
| Appointment | Exact producer/agency-to-insurer relationship when source-native | Authority to represent a company when the source says so | Not quality. Not acquired as a bulk graph this ticket. License is not appointment. |
| Eligible non-admitted / surplus-lines insurer | NAIC CoCode or alien AA- identity on the official eligibility list | Surplus-lines eligibility for the list's effective window | Not admitted authority. Alien AA- is not a NAIC CoCode. Not a producer. |
| Plan | CMS Marketplace or Medicare contract/plan ID when already in the national overlay | Federal plan identity where already stored | A plan is not an insurer. Marketplace participation is not Colorado DOI authority. |
Market findings
- The 2025 statistical report is a dated market report, not a live authorized roster. The NAIC Companies tab has 1,839 company directory rows and 1,839 distinct NAIC CoCodes after excluding a legend row. That grain is as-of 2025-12-31. This does not mean 1,839 currently authorized Colorado insurance companies; the official PDF narrative of 1,844 premium-writing companies is the same denominator.
- Eligible non-admitted surplus-lines identities are a separate grain. The official 2026–2027 list has 259 eligible identities (225 NAIC + 34 alien AA-), effective 2026-07-01 through 2027-06-30, updated 2026-07-24. The 2025–2026 list (247 identities through 2026-06-30) is historical. This does not mean 259 admitted insurers; 259 producers; alien AA- identities are NAIC CoCodes; the expired 2025–2026 list is current eligibility.
- Colorado DOI publishes a source-native Complaint Ratio and Complaint Index. The 2025 standard reports are bounded company-by-line tables with NAIC CoCodes on official detail links. DOI calculates ratio and index from all received complaints, not confirmed-only. That regulator metric is not a TrustHub score, ranking, or quality grade. This does not mean TrustHub ranked insurers; confirmed complaints equal received complaints; a low index is a TrustHub declaration of a good insurer; zero complaints in one year/line is a universal clean history.
- Producer and agency bulk rosters were not acquired. Verification remains on Sircon/DOI search. Search-only is not zero. This does not mean zero Colorado producers; zero Colorado agencies.
- Domestic certificates of compliance are a subset, not all authorized insurers. The official certificates page lists 49 named company entries after excluding a Title Agencies heading. That is not the 1,839 statistical-directory rows and not the 45 DOM=CO rows. This does not mean 49 is the complete authorized-insurer universe; DOM=CO equals certificates of compliance.
How to verify an insurer, agency, or producer
Colorado DOI points consumers to Sircon for live license inquiry. A lookup hit is not a TrustHub profile and is not a bulk roster. Existing InsuranceTrustHub insurer/agency research tools remain national graph tools, not a substitute for Colorado DOI verification.
- Sircon consumer license inquiry — live official verification. Not scraped. Not a TrustHub shadow directory.
- DOI producer page: For producers / agents
- Existing InsuranceTrustHub carrier research and directory are national graph tools plus DOI verification — not a Colorado roster substitute.
2025 statistical report
Official source as of 2025-12-31, published 2026-08, retrieved 2026-09-09. One nonempty row is a statement-type legend, not a company. Company directory rows equal distinct NAIC CoCodes. DOM=CO is domicile on this dated directory, not current Colorado authority and not the certificates-of-compliance subset.
1,839
NAIC Companies directory rows
Not “1,839 Colorado insurance companies.” Not current authorization.
1,839
Distinct NAIC CoCodes on that tab
1:1 with directory rows after excluding the legend.
45
DOM=CO rows on that tab
Domicile is not Colorado authority and not the certificates subset.
1,843
Companies by Group overlay rows
Grouping overlay, not a second insurer universe.
The official PDF narrative of premium written to 1,844 companies is a different grain and is not used as a headline. Line tabs are per-line market observations; summing every tab is not an insurer count. Non-NAIC and pre-need tabs are different grains.
What TrustHub does not have as a roster
No free bulk producer roster was acquired. Search-only is not zero. Do not invent a Colorado producer count.
No unrestricted official agency CSV/API was acquired. Missing is not zero.
The 2025 statistical-report NAIC Companies directory is not a current authorized-insurer roster. Domicile is not Colorado authority. Domestic certificates are a subset. NAIC identity is not Colorado authorization.
SOURCE_NOT_ACQUIRED / OPEN_SEARCH_ONLY
CO_PRODUCER_BULK_ROSTER
Restricted/search-only is not zero.
SOURCE_NOT_ACQUIRED / OPEN_SEARCH_ONLY
CO_AGENCY_BULK_ROSTER
Missing is not zero. Search-only is not zero.
Domestic certificates of compliance
Named domestic certificate-of-compliance entries on the official page after excluding the 'Title Agencies' heading. This is a domestic-certificate subset, not all authorized insurers, and not the 45 DOM=CO statistical-report rows.
50 list items include one Title Agencies heading that has its own document link. 49 named company entries map 1:1 to 49 company document links (45 DOI PDF + 4 Google Drive). The prior 46 PDF + 4 Drive = 50 count included the heading link. Company-entry count and document-link count remain separate grains.
49
Named certificate-of-compliance company entries
Not a document-link count. Not all authorized insurers.
49
Company document links
45 DOI PDFs + 4 Google Drive. The 50th list-item href is the Title Agencies heading.
Eligible non-admitted surplus-lines list
Official 2026–2027 list: 259 distinct eligible identities (225 NAIC CoCodes + 34 alien AA- IDs), effective 2026-07-01 through 2027-06-30, updated 2026-07-24. Eligible non-admitted is not admitted. Alien AA- is not NAIC CoCode. The 2025–2026 list (247 identities, through 2026-06-30) is a historical snapshot, not current eligibility.
259
2026–2027 eligible identities
Effective 2026-07-01 through 2027-06-30. Not admitted. Not producers.
225
NAIC CoCode identities
34
Alien AA- identities
Alien AA- is not a NAIC CoCode.
The prior 2025–2026 list (247 identities, effective 2025-07-01 through 2026-06-30) is a historical eligibility snapshot. An expired period is not current eligibility, and a missing later list would not be zero insurers.
Trace this number
- Source
- https://doi.colorado.gov/sites/doi/files/documents/2026%20Colorado%20Eligible%20Nonadmitted%20Insurers%20Writing%20Surplus%20Lines%2007242026.pdf
- Source date
- effective 2026-07-01 through 2027-06-30; updated 2026-07-24
- Denominator
- Official 2026–2027 eligible non-admitted insurer list rows
- Calculation
- 225 NAIC CoCodes + 34 alien AA- identities = 259 distinct eligible identities. No duplicate IDs.
- Reporting grain
- surplus-lines eligibility identity
- Coverage
- ACQUIRED for the list's effective window
- Caveat
- Official 2026–2027 list: 259 distinct eligible identities (225 NAIC CoCodes + 34 alien AA- IDs), effective 2026-07-01 through 2027-06-30, updated 2026-07-24. Eligible non-admitted is not admitted. Alien AA- is not NAIC CoCode. The 2025–2026 list (247 identities, through 2026-06-30) is a historical snapshot, not current eligibility.
Title
Title insurer ≠ title producer ≠ title agency ≠ P&C. The 2025 statistical-report Title line has 22 distinct NAIC observations. No bulk title-agency or title-producer roster was acquired.
Disciplinary actions and insurer enforcement
Google Data Studio / DOI disciplinary index. Not scraped. Name-only attach is unsafe.
Name-only attach is UNSAFE_FOR_ADVERSE_PROFILE_ATTACH. Name+city is REVIEW_REQUIRED. Disciplinary is not conviction. Producer disciplinary is not insurer enforcement. An order is not an examination.
Examinations
The market-conduct page is an index/research path. Zero scrapeable PDF hrefs on the landing page is not zero examinations. Missing is not zero.
The financial-examinations page is an index/research path. Zero scrapeable PDF hrefs on the landing page is not zero examinations.
Market conduct is not enforcement. A financial exam is not insolvency. Unknown is not zero.
Rate and form filings
OPEN_SEARCH_ONLY. A rate filing is not a consumer quote, not insurer quality, and not an approval unless the source-native status says so. SERFF is not scraped query-by-query to manufacture a statewide filing denominator.
Complaints
Colorado DOI publishes annual complaint-and-recoveries reports and a source-native Complaint Ratio / Complaint Index. Complaint Ratio and Complaint Index are regulator-published comparative measures. They are not a TrustHub score, ranking, best/worst label, or quality grade. DOI calculates both from all received complaints, not confirmed-only. Total complaints are not confirmed complaints. A complaint is not a violation. A confirmed complaint is not a conviction. Zero complaints in one year and line is not a universal clean history.
$17,607,341
FY 2024-25 recoveries
Money restored to consumers. Recoveries are not fines and not a consumer-loss total.
415
2025 standard ratio/index company-line rows
Bounded official tables (5+ complaints or 0.1% premium share). Not a TrustHub ranking.
Trace this number
- Source
- https://doi.colorado.gov/sites/doi/files/documents/2025%20Colorado%20Division%20of%20Insurance%20Annual%20Complaint%20and%20Recoveries%20Report.pdf
- Source date
- FY 2024-25 (July 2024 - June 2025); news release 2025-11-19
- Denominator
- DOI annual recoveries, not a complaint-only count
- Calculation
- Colorado DOI reports $17,607,341 in total recoveries. The two published line amounts shown here are $10,430,250 for property/casualty and $7,176,838 for life/health, which sum to $17,607,088; the $253 difference is not attributed to either displayed line in this extraction. The 7,792 closed figure mixes complaints and inquiries (including 222 inquiries) and is not a complaint-only total.
- Reporting grain
- dated annual recoveries aggregate
- Coverage
- ACQUIRED as report-level aggregates
- Caveat
- Colorado DOI reports $17,607,341 in total recoveries. The two published line amounts shown here are $10,430,250 for property/casualty and $7,176,838 for life/health, which sum to $17,607,088; the $253 difference is not attributed to either displayed line in this extraction. Do not treat the component lines as reconciling to the official aggregate. Recoveries are not fines and not a consumer-loss total. The closed figure of 7,792 is complaints and inquiries together and includes 222 inquiries. That mixed grain is not published as a complaint-only total. The annual report does not state a single statewide confirmed-complaint count.
Standard 2025 tables have NAIC CoCodes on official company-detail links. Read-only exact NAIC matches are not graph enrichment and are not public profile attachments. Name-only attach remains unsafe. A parenthetical alias/DBA on a company label is not an identity key.
Federal overlay
Existing national CMS/NAIC identities are not Colorado authorization. No new federal ingest was performed.
SOURCE_NOT_SPLIT / NOT_USED
CMS Marketplace Colorado projection
Marketplace participation is not Colorado DOI authority and is not a recommendation.
Expansion ledger
NEW_*_ROWS are snapshot-documented observation/eligibility/report rows, not graph ingest. EXACT_*_NAIC_MATCHES are read-only identity comparisons. EXISTING_ORGANIZATIONS_ENRICHED remains 0 because no canonical row was written.
0
Net-new canonical legal insurers
0
Net-new public profiles
1,839
New market observation rows (snapshot)
259
New surplus-lines rows (snapshot)
1,834
Exact statistical NAIC matches (read-only)
Exact identity match is not graph enrichment.
415
New 2025 standard complaint-report rows (snapshot)
Company × line observations. Not legal-insurer identities.
Gaps
Unknown is not zero. Search-only is not zero. Request-only is not zero. No CORA request was filed to enlarge this ticket.
| Class | Items |
|---|---|
| ACQUIRED | 2025 statistical-report Excel (dated market rows); 2026–2027 eligible non-admitted surplus-lines PDF; FY 2024-25 annual complaint and recoveries report; 2025 standard complaint ratio/index tables (six lines); Domestic certificates-of-compliance index |
| OPEN_SEARCH_ONLY | Producer license verification (Sircon); Agency license verification (Sircon); Current authorized-insurer lookup; Disciplinary actions index; Market-conduct examinations; Financial examinations; SERFF rate/form filings; Insurer enforcement orders; Interactive complaint ratio/index database |
| SOURCE_NOT_ACQUIRED | Complete current authorized-insurer roster; Complete agency roster; Complete producer roster; Appointment graph; Interactive complaint-database bulk extract; Title agency roster; Title producer roster; Structured exam report extract |
| SOURCE_AVAILABLE_BY_REQUEST | Possible CORA bulk licensing/exam extracts — not requested this ticket |
| SOURCE_USE_RESTRICTED | — |
| UNKNOWN | Live 2026 authorized-company census; Live producer and agency counts |
| NOT_APPLICABLE | Colorado county insurance pages; Denver nested insurance route; Paid SBS/Vertafore/NIPR bulk purchase; Arizona insurance page |
Semantic guardrails
- LEGAL INSURER != AGENCY != PERSON != APPOINTING CARRIER != GROUP != BRAND != PLAN
- NPN != NAIC COCODE
- LICENSE != APPOINTMENT != LOA
- DOMICILE != COLORADO AUTHORITY
- DOMESTIC CERTIFICATE != ALL AUTHORIZED INSURERS
- STATISTICAL ROW != CURRENT AUTHORIZATION
- MARKET SHARE != QUALITY
- SURPLUS-LINES ELIGIBILITY != ADMITTED
- ALIEN AA- != NAIC COCODE
- SERFF FILING != QUOTE != APPROVAL UNLESS STATUS SAYS SO
- COMPLAINT != VIOLATION
- TOTAL COMPLAINTS != CONFIRMED COMPLAINTS
- COMPLAINT INDEX != TRUSTHUB SCORE
- DOI COMPLAINT RATIO/INDEX USES RECEIVED COMPLAINTS
- EXPIRED SURPLUS PERIOD != CURRENT ELIGIBILITY
- READ-ONLY NAIC MATCH != GRAPH ENRICHMENT
- CERTIFICATE COMPANY ENTRY != DOCUMENT LINK
- DBA/ALIAS != IDENTITY KEY
- EXAM != ENFORCEMENT
- FINANCIAL EXAM != INSOLVENCY
- DISCIPLINARY != CONVICTION
- NAME-ONLY ADVERSE = UNSAFE
- MISSING / SEARCH-ONLY / REQUEST-ONLY != ZERO
- NO TRUST SCORE
- NO PAID RANKING
- NO DENVER ROUTE
No Trust Score. No paid ranking. No Denver or county insurance pages.
Colorado county and metro hubs
Published agency research hubs. These pages are not this statewide regulatory snapshot.