Technical Update vol. 30 no. 8 - Colorado Governmental Immunity Act: Limits Raised January 1, 2026

Every four years, the maximum liability limits under the Colorado Governmental Immunity Act (CGIA) are adjusted for inflation, and for the 2026–2030 term, the tort cap limits have increased. In accordance with C.R.S. 24-10-114(1)(b), the limitations on judgments set forth in C.R.S. 24-10-114(1)(a)(I) and (II) are as follows. 

For all claims for relief that accrue before January 1, 2018, the adjusted limitation is:

• $350,000 for any injury to one person in any single occurrence.
• $990,000 for any injury to two or more persons in any single occurrence; except that, in such instance, no person may recover in excess of $350,000.

For all claims for relief that accrue on or after January 1, 2018, and before January 1, 2022, the adjusted limitation is:

• $387,000 for any injury to one person in any single occurrence.
• $1,093,000 for any injury to two or more persons in any single occurrence; except that, in such instance, no person may recover in excess of $387,000.

For all claims for relief that accrue on or after January 1, 2022, and before January 1, 2026, the adjusted limitation is:

• $424,000 for any injury to one person in any single occurrence.
• $1,195,000 for any injury to two or more persons in any single occurrence; except that, in such instance, no person may recover in excess of $424,000.

For all claims for relief that accrue on or after January 1, 2026, and before January 1, 2030, the adjusted limitation is:

• $505,000 for any injury to one person in any single occurrence.
• $1,421,000 for any injury to two or more persons in any single occurrence; except that, in such instance, no person may recover in excess of $505,000.

WHAT THIS MEANS FOR COUNTIES

The Colorado Governmental Immunity Act (CGIA) is a vital tool in limiting claim costs for governmental entities. Counties should review their contracts that contain insurance requirements to ensure that they are requesting the CGIA limits at a minimum. You may prefer to refer to the CGIA statutory reference when requesting CGIA limits, so the contract remains dynamic and up to date with statutory changes. In many cases, depending on the scope of the contract, you will want limits higher than the CGIA provides to protect your county in the event of a federal claim, which is not subject to Colorado’s limits. For more information, contact CTSI at (303) 861-0507.