Serving Colorado's Counties

About CTSI


CTSI Mission Statement: "To provide Colorado counties with alternative risk management and other technical services that are progressive, competitive and cost-effective." 

CTSI - Much more than insurance!

We are much more than insurance, CTSI provides high-quality insurance products, cutting-edge loss control, superior communications, and outstanding technical and consulting services tailored to meet its member’s needs. CTSI provides trusted member driven risk protection and insurance benefits to Colorado counties, schools, and other government agencies.

Faced with excessive costs in the commercial insurance industry, Colorado county commissioners united in 1984 to form their own self-insurance pools. Counties pooled their resources and formed the County Health Pool (CHP), followed by the County Workers’ Compensation Pool (CWCP), and the Colorado Counties Casualty and Property Pool (CAPP). CTSI administers the three pools and provides technical services beyond those specifically related to insurance. We provide improved risk management and loss control services as well as training and employee education, human resources assistance, and other value-added services, such as management and regulatory consulting. We also add new services as necessary to satisfy the needs of the counties.

Because CTSI's Board of Directors is composed of elected officials and county staff from throughout Colorado, we have our pulse on county activities and can respond quickly to meet the service and training needs of members. CTSI helps counties both by addressing their day-to-day insurance and loss control needs and by guiding them through rough spots when the unexpected happens. Members benefit from CTSI's expertise at keeping today's loss costs in check, which in turn keeps insurance rates down. CTSI's insurance expertise, coupled with other CTSI value-added services, provides counties with the means to manage numerous other operational costs.

CTSI has the expertise, resources, and experience to develop programs designed to meet your particular needs. We welcome both members and nonmembers. Most of our services are offered to members at no cost, and nonmembers are welcome to use CTSI services on a fee-for-service basis.

County-owned and operated, CTSI is an integral resource to county governments. Our varied products and services and our unflagging commitment to counties have propelled our long-term success.

News & Updates

Technical Update 56 - Winter Driving: Preparing Your Vehicle

Winter in Colorado often brings icy conditions, snow, and slick roads. While it is always best to stay home when road conditions are poor, winter driving is necessary for many Coloradans. Ensuring that your vehicle is properly prepared for winter before poor road conditions set in can help prevent accidents. AAA recommends that drivers have […]

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Technical Update 55 - Accident Investigations

Should a workplace accident occur involving employees, property damage, subcontractors, or the general public, the county should conduct an accident investigation to find the accident’s root cause and implement corrective measures to prevent future accidents. According to the CTSI Loss Prevention Manual : A good investigation identifies the root cause(s) and allows the supervisor to […]

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Technical Update 54 - FSAs, HRAs, and HSAs

Flexible Spending Accounts (FSAs), Health Reimbursement Accounts (HRAs), and Health Savings Accounts (HSAs) are tax-advantaged accounts used to pay for certain qualified medical expenses such as co-pays, prescriptions, dental, and vision costs. Employers can offer any or all of these accounts as a benefit to offset healthcare costs. These accounts use pre-tax dollars and must […]

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Newly Elected Officials Seminar
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Technical Update 53 - No Campaigning on the Job

A February 2020 Gartner survey on politics found that 78% of workers discuss politics at work. Thirty-one percent of employees surveyed said that these discussions were stressful and frustrating, while 36% reported avoiding talking to or working with specific co-workers because of their political views. Politics can be a divisive subject, and it is best avoided […]

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