CTSI outlines CAP coverage, deductibles and renewal timing to Garfield County commissioners

Meredith Burcham, executive director of the Colorado Counties Casualty and Property Intergovernmental Entity (CTSI), told the Garfield County Board of County Commissioners on Tuesday that CTSI and the CAP pools are “not insurance carriers” but county-owned risk pools created and governed by member counties.

The presentation centered on what is covered under the CAP pool, the limits and county-level deductibles, how the Garfield County $125,000 large-deductible program applies, the county’s 2025 contribution, and the timing options for shopping excess coverage and broker services ahead of the 2026 renewal.

CTSI staff gave a line-by-line summary of CAP coverage. “For public entity liability … the limit is $11,000,000 per claim,” said Rhonda Curran, manager of risk programs. Law-enforcement liability limits were described as $10,000,000 per claim; cyber (network liability) limits were listed as $1,000,000 per claim. Property limits are handled separately, with replacement-cost exposure reported per building and a noted $100,000,000 layer referenced on the pool schedule.

Curran explained how deductibles interact with Garfield County’s self-insured…