Title 10, Insurance
0 chapters · 1,354 sections in this title.
Colo. Rev. Stat. § 10-11-101 Short title
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This article shall be known and may be cited as the Title Insurance Code of Colorado. Source: L. 69: p. 520, � 1. C.R.S. 1963: � 72-26-1.
Colo. Rev. Stat. § 10-11-102 Definitions
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As used in this article 11, unless the context otherwise requires: (1) Affiliate or subsidiary means a person who directly or indirectly, through one or more intermediaries: (a) Controls a title insurance agent or title insurance company; (b) Is controlled by a title insurance co…
Colo. Rev. Stat. § 10-11-103 Compliance with article required
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On and after July 1, 1969, no company shall underwrite or issue a policy of title insurance or otherwise engage in the business of title insurance in this state unless authorized by the provisions of this article to transact such a business. Source: L. 69: p. 521, � 1. C.R.S. 196…
Colo. Rev. Stat. § 10-11-104 Corporate form required
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Any domestic title insurance company formed after July 1, 1969, shall be organized as a stock corporation as provided in section 10-3-101. Source: L. 69: p. 521, � 1. C.R.S. 1963: � 72-26-4.
Colo. Rev. Stat. § 10-11-105 Financial requirements prior to this article
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(1) Every domestic title insurance company which on July 1, 1969, has the capital required by law and whose reserve fund required by law has been approved by the state bank commissioner shall have until July 1 in the tenth year after July 1, 1969, to comply with the financial req…
Colo. Rev. Stat. § 10-11-106 Determination of insurability required
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(1) No policy or contract of title insurance shall be written unless and until the title insurance company has caused to be conducted a reasonable examination of the title and has caused to be made a determination of insurability of title in accordance with sound underwriting pra…
Colo. Rev. Stat. § 10-11-107 Powers
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(1) Every title insurance company has the following powers: (a) To do the business defined in section 10-11-102 (3) and (8); (b) To own, manage, and maintain sets of abstract books and to make, compile, and sell abstracts of title to real estate; (c) To acquire by purchase or oth…
Colo. Rev. Stat. § 10-11-108 Prohibitions
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(1) A title insurance company or title insurance agent shall not: (a) Engage in the business of guaranteeing the payment of the principal or the interest of bonds, notes, or other obligations; (b) Transact, underwrite, or issue any kind of insurance other than title insurance; (c…
Colo. Rev. Stat. § 10-11-109 Unearned premium reserve
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(1) In lieu of those reserves required for other insurance companies, every domestic title insurance company, and every foreign or alien title insurance company which under the state of domicile is not required to maintain a substantially equivalent unearned premium reserve, shal…
Colo. Rev. Stat. § 10-11-110 Amount of unearned premium reserve - release
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(1) The unearned premium reserve of every title insurance company required to maintain such reserves in this state shall consist of: (a) The amount of the unearned premium reserve held as of July 1, 1969, pursuant to law; and (b) The amount of all additions required to be made to…
Colo. Rev. Stat. § 10-11-111 Reserve for unpaid losses and loss expense
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(1) Each title insurance company, in addition to other reserves, shall at all times establish and maintain reserves against unpaid losses, and against loss expense, and shall calculate such reserves by making a careful estimate in each case of the loss and loss expense likely to …
Colo. Rev. Stat. § 10-11-112 Net retained liability
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The net retained liability of any title insurance company under any single insurance risk, as defined in section 10-11-102 (4) and (7), shall not exceed fifty percent of the net amount remaining after deducting from the sum of its capital, surplus, unearned premium reserve, and v…
Colo. Rev. Stat. § 10-11-113 Power to reinsure
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Any title insurance company may cede reinsurance of all or any part of its liability under one or more of its policies, contracts, or reinsurance agreements of title insurance to any reinsurer which meets or exceeds the financial requirements of a title insurance company to do bu…
Colo. Rev. Stat. § 10-11-114 Legal investments and admitted assets
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(1) Title insurance companies shall comply with the investment requirements for other insurance companies under the laws of this state but, in addition, may invest in a title plant. Such title plant shall be considered an admitted asset as provided by nationally recognized insura…
Colo. Rev. Stat. § 10-11-115 Prior investments
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Any investment of a title insurance company lawfully acquired before July 1, 1969, and which but for this section would be considered ineligible as an investment on such date shall be disposed of within five years from such date. The commissioner, upon application and proof that …
Colo. Rev. Stat. § 10-11-116 Title insurance agents licensed
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(1) (a) Title insurance agents shall be licensed in the manner provided for insurance producers in part 4 of article 2 of this title, except as otherwise provided in this section. (b) Full-time employees of a corporate contractual agent of a title insurance company authorized by …
Colo. Rev. Stat. § 10-11-117 Title insurance agents - certain names prohibited
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On and after July 1, 1969, no agent for a title insurance company shall adopt a firm name containing the words title insurance, title guaranty, or title guarantee, unless such words are followed by the words agent or agency. The words agent or agency must be in the same size and …
Colo. Rev. Stat. § 10-11-118 Title insurance - rules
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(1) Title insurance rates and fees shall be regulated in the manner provided in part 4 of article 4 of this title. (2) Prior to the effective date of any new or amended rate or fee, every title insurance company and title insurance agent shall file with the commissioner the new o…
Colo. Rev. Stat. § 10-11-119 Laws applicable
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In addition to the provisions of this article, the laws governing insurance companies, except as they are inconsistent with the provisions of this article, shall apply to the business of title insurance and to title insurance companies. Source: L. 69: p. 526, � 1. C.R.S. 1963: � …
Colo. Rev. Stat. § 10-11-120 Corporate existence preserved
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The repeal of article 12 of chapter 31, C.R.S. 1963, shall not affect the corporate existence of corporations organized under the provisions of said article 12 if such corporations are on July 1, 1969, engaged in the business of title insurance or title insurance agents in this s…
Colo. Rev. Stat. § 10-11-121 Application of article - other laws applicable
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The provisions of this article shall apply to all title insurance companies, title insurance rating organizations, title insurance agents, applicants for title insurance, policyholders, and persons and business entities deemed to be engaged in the business of title insurance. In …
Colo. Rev. Stat. § 10-11-122 Title commitments - rules
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(1) Every title insurance agent or title insurance company shall provide, along with each commitment for an owner's policy of title insurance pertaining to a sale of residential real property as defined in section 39-1-102 (14.5), C.R.S., a statement disclosing the following info…
Colo. Rev. Stat. § 10-11-123 Notification of severed mineral estates
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(1) For purposes of this section: (a) Mineral estate means a mineral interest in real property. (b) Severed means that the surface owner does not own all or any part of the mineral estate. (c) Surface estate means an interest in real property that does not include the full minera…
Colo. Rev. Stat. § 10-11-124 Affiliated business arrangements - rules - investigative information shared with division of real estate
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(1) (a) An affiliated business arrangement is permitted where the person referring business to the affiliated business arrangement receives payment only in the form of a return on an investment and where it does not violate the provisions of section 10-11-108 (1). (b) A title ins…
Colo. Rev. Stat. § 10-11-125 Fees, salaries, compensation, or other payments
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(1) Nothing in section 10-11-124 or 10-11-126 shall be construed to prohibit payment of a fee to: (a) An attorney for services actually rendered; (b) A title insurance company to its duly appointed agent for services actually performed in the issuance of a policy of title insuran…
Colo. Rev. Stat. § 10-11-126 Affiliated business arrangements - enforcement - penalties
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(1) The commissioner shall have the same remedies available to him or her as those available to the administrator of the department of housing and urban development in the federal Real Estate Settlement Procedures Act of 1974, as amended, 12 U.S.C. sec. 2607. (2) In addition to a…
Colo. Rev. Stat. § 10-11-127 Fiduciary responsibilities of title insurance entities - definition of fiduciary funds - deceptive act or practice - rules
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(1) A title insurance entity and its affiliates or subsidiaries in possession of fiduciary funds received and belonging to others shall hold those funds in a fiduciary capacity. (2) The commissioner shall promulgate reasonable rules that are consistent with this section and are n…
Colo. Rev. Stat. § 10-11-201 Title insurance advisory group - meetings - response by commissioner - subject to review - repeal
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(1) Twice each year, the commissioner shall hold a meeting of representatives of the title insurance industry, who are referred to in this section as the “title insurance advisory group” or “advisory group”. The advisory group is an advisory body to the commissioner concerning th…
Colo. Rev. Stat. § 10-11-202 Powers, duties, and functions - recommendations on rules. (Repealed)
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C.R.S. 10-11-202Statutes current through Chapter 65 of the 2026 Regular Session, effective as of April 20, 2026. The text of this section is not final. It will not be final until compared to, and updated from, the text provided by the Colorado Office of Legislative Legal Services…
Colo. Rev. Stat. § 10-11-203 Repeal of part. (Repealed)
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Source: L. 2015: Entire part added, (SB 15-210), ch. 292, p. 1193, � 2, effective August 5. L. 2025: Entire section repealed, (SB 25-277), ch. 244, p. 1234, � 2, effective August 6. MUTUAL INSURANCE