Office address: 1560 Broadway #110, Denver, CO 80202
Website: doi.colorado.gov
Year established: 1879
Employees: 110+
Key people: Michael Conway (commissioner); Kate Harris (chief deputy commissioner); Rolf Kaumann (chief deputy, finance); Debra Judy, Jason Lapham, and Kyla Hoskins (deputy commissioners); Vincent Plymell (assistant commissioner)
Operating budget: $15.3 million (FY 2025-26)
The Colorado Division of Insurance (DOI), part of the Department of Regulatory Agencies (DORA), oversees insurance rules to protect state consumers. It supervises over 1,500 companies, handles fraud claims, and recovers millions through complaint savings and lost policy matches.
The Colorado DOI began in 1879 under the state auditor and has grown into a major state watchdog for insurers. In 1968, it joined the DORA, which oversees key business and professional fields.
The Commissioner of Insurance became a governor-appointed role in 1984. This marked a shift in state leadership structure. Some turning points in the Colorado Division of Insurance’s oversight and disaster response include:
In 2024, the division set a national example by expanding rules on AI and predictive models to protect consumer data and fairness. This step confirmed its place as a forward-thinking agency ready to respond to new tech and industry shifts. The Colorado DOI now helps lead change in how insurers use data across the United States.
The Colorado DOI was created by the Colorado General Assembly in 1879. Its main job is to protect consumers and make sure insurance is fair for everyone.
It is part of the DORA and operates as a Type 1 agency, based on Colorado law (Colorado Revised Statutes or CRS) section 10-1-103. This law gives the Colorado Division of Insurance the power to enforce insurance rules and oversee the insurance industry in the state.
The agency is led by the commissioner of insurance. The governor appoints the commissioner, and the Senate confirms the appointment, as stated in CRS section 10-1-104. The commissioner manages all insurance activity in Colorado.
The division also works with the Consumer Insurance Council (CIC), a group of volunteer consumers. The CIC gives advice and public feedback on insurance issues to help the DOI make better rules and policies.
The Colorado Division of Insurance oversees core functions to keep insurance balanced, stable, and focused on consumer protection statewide:
These responsibilities allow the DOI to keep Colorado’s insurance system accountable.
In 2025, the Colorado Division of Insurance shared draft rules for the Fair Plan to guide wildfire fee recovery by insurers. The plan helps homeowners in wildfire zones and shows the DOI’s focus on climate risks and coverage gaps. Other efforts include:
The Colorado Division of Insurance also proposed an emergency rule to address wildfire sublimits in home insurance policies. The rule aims to stop unclear limits on damage from smoke, soot, and other wildfire effects.
The Colorado Division of Insurance helps the public through tools, education, and outreach. It runs a complaint portal to track insurance issues. Its rate charts show sample prices by region and company.
Insurance guides explain claims, coverage, and key terms. The division also shares alerts, webinars, and disaster help. These efforts make insurance clearer and more useful for all Coloradans.
The Colorado DOI monitors companies to stop unfair practices and holds them accountable. The Consumer Insurance Council also gives residents a voice in decisions. Fraud reporting tools help the public flag scams or bad actors.
Aim is to standardize how home and auto insurers handle requests
State regulators warn of sharp premium increases
Industry groups, however, are seeking clarity
Program will provide basic property coverage for homeowners and businesses
Insurers argue that long-term changes could raise rates
