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 2 - Increase in Unemployment Fraud

Many of our counties and county employees have reported receiving fraudulent unemployment claim forms. The Colorado Department of Labor and Employment (CDLE) has seen a spike in fraudulent claims since Christmas when the federal Pandemic Unemployment Assistance (PUA) program ended on December 26th. Recent legislation has since extended these benefits by 11 weeks.  Fraudsters who […]

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Technical Update 1 - Colorado Equal Pay for Equal Work Act is in Effect

The Colorado Equal Pay for Equal Work Act went into effect on January 1, 2021. Enacted in 2019, the Equal Pay Act contains several parts and is designed to protect against wage discrimination based on sex, prohibits employers from asking job applicants about their salary history, and requires employers to disclose compensation and promotion information. […]

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December: Keeping Your New Year's Resolution
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Technical Update 62 - Colorado's Minimum Wage Supersedes Current Federal Minimum Wage

In November 2016, Colorado citizens voted for Amendment 70, which raises the state minimum wage. The minimum wage is the lowest wage that can be paid to most workers under the law. Since July 24, 2009, the federal minimum wage for covered nonexempt employees is $7.25 per hour. The federal minimum wage provisions are contained […]

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Technical Update 61 - Winter Weather Can Damage County Property

As winter approaches and temperatures drop, it is an excellent time to look at county buildings for areas that could be damaged by freezing temperatures and snowy weather such as roofs, gutters, and pipes. Ice Dams Ice dams occur when water freezes near the edge of a roof or around drains and prevents melting snow […]

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