May 19, 2019

Colorado Supreme Court: Workers’ Compensation Insurer Not Required to Provide Notice of Cancellation to Certificate Holder

The Colorado Supreme Court issued its opinion in Pinnacol Assurance v. Hoff on Monday, June 27, 2016.

Workers’ Compensation Insurance—Promissory Estoppel—Certificates of Insurance—Notice of Cancellation.

The Supreme Court considered whether an insurer had a contractual or statutory obligation to notify a non-insured holder of a certificate of insurance when the insurance policy evidenced by the certificate was cancelled. Because the certificate said notice of cancellation “will be delivered in accordance with the policy provisions” and the insurance policy did not promise notice to certificate holders, the Court concluded that the insurer had no contractual obligation to provide notice of cancellation to the certificate holder. The Court further concluded that no provision or public policy contained in the Workers’ Compensation Act required the insurer to provide such notice. Therefore, the Court reversed the judgment of the Court of Appeals.

Summary provided courtesy of The Colorado Lawyer.

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