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 vol. 27 no. 48 - Winter Weather Driving

Being prepared for winter weather driving is crucial for ensuring safety on the road. Winter conditions can be challenging and unpredictable, and they often present unique hazards that require drivers […]

Read More
Technical Update vol. 27 no. 47 - Understanding HIPAA

The Health Insurance Portability and Accountability Act (HIPAA) was signed into law in 1996 with the primary goals of ensuring continuous health insurance coverage for people who have lost or changed jobs […]

Read More
November 2023: American Diabetes Month
Read More
Technical Update vol. 27 no. 46 - Prepare for Winter Storm Conditions

As winter approaches, now is the time to inspect county buildings for areas that could be damaged by freezing temperatures and snowy weather, such as roofs, gutters, and pipes. Proper […]

Read More
Technical Update vol. 27 no. 45 - FSAs, HRAs, and HSAs 

Flexible Spending Accounts (FSAs), Health Reimbursement Arrangements (HRAs), and Health Savings Accounts (HSAs) are tax-advantaged accounts used to pay for qualified medical expenses such as co-pays, prescriptions, dental, and vision […]

Read More