Serving Colorado's Counties

Technical Update vol. 25 no. 49 - The Power of Pooling

December 7, 2021

County Technical Service Inc. (CTSI) has served Colorado counties for 37 years. County commissioners first envisioned CTSI as a way to empower counties by creating a collective purchasing pool. The County Health Pool (CHP) was founded in 1984 with the goal of lowering and stabilizing health insurance premiums. The success of this pool led to the creation of the County Workers’ Compensation Pool (CWCP) and the Colorado Counties Causality and Property Pool (CAPP) to address challenging market conditions in those areas, as well.

CTSI and its Pools represent a unique controlled-privatization model that allows for a nimble and responsive business, capable of adapting to the needs of member counties and changes in the insurance markets. Over the past three decades, CTSI has expanded its mission and scope “to provide Colorado counties with alternative risk management and other technical services that are progressive, competitive, and cost-effective.”

Our Services

There are currently five entities under the CTSI umbrella: CHP, which helps meet employee health benefit needs; CWCP, which meets workers compensation insurance coverage needs; CAPP, which meets property, vehicle, and liability coverage needs; 800 Grant Street Office Condominium Owners Associations, which owns and manages the common elements at the CTSI headquarters in downtown Denver; and CTSI, which manages and employs personnel to administer the four other entities as well as provide consulting and training services.

Welcome to Colorful Colorado roadside sign.

Pooling and Cost Control

Pooling gives CTSI members the ability to use their collective buying power to negotiate from a position of strength in often uncertain insurance markets, while member involvement in the management and operation of CTSI and the pools produces a responsive and adaptive organization that excels at controlling costs. We regularly provide our members with renewal rates below the national average,  consult with members about increased limits when needed, and provide coverage for new functions as required by members. Our commitment to continuous improvement means that we are constantly investigating ways to reduce the cost of insurance coverage and ancillary services for members. Our centralized purchasing power at a much larger volume has helped significantly control member costs over acquiring services and functions independently. The continued reliance on CTSI services by members and nonmembers further demonstrates the tremendous value provided by your county-owned organization. The stabilization of costs and additional benefits the commissioners sought when forming CTSI and the pools continue to be affirmed, along with the return of member equity to offset future operational costs.

What This Means for Counties

National and global insurance markets continue to harden as companies seek to protect their organizations from rising claims costs brought on by natural disasters and the uncertainty of the COVID-19 pandemic. Membership in CTSI gives Colorado counties leverage to negotiate favorable premiums and coverage in this challenging market. For more information, contact CTSI at 303 861 0507.

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