Colorado Revised Statutes

Colo. Rev. Stat. § 10-3-1108 (2026)

Orders

✓ current as of July 2026
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(1) If, after a hearing conducted under section 10-3-1107, the commissioner determines that the person charged has engaged in an unfair method of competition or an unfair or deceptive act or practice or has violated any other provision of this title or any rule or lawful order of the commissioner, the commissioner shall reduce the findings to writing and shall issue and cause to be served on such person a copy of such findings and an order requiring such person to cease and desist from engaging in such method of competition, act, practice, or violation, and, except in the case of an act or practice that is not a violation of any specific provision of this title or any specific rule or lawful order of the commissioner, the commissioner may, at his or her discretion, order any one or more of the following:

(a) Payment of a monetary penalty of not more than three thousand dollars for each act or violation but not to exceed an aggregate penalty of thirty thousand dollars, unless such person, being an insurer, knew or reasonably should have known he or she was in violation of this part 11, in which case the penalty shall not be more than thirty thousand dollars for each act or violation, but not to exceed an aggregate penalty of seven hundred fifty thousand dollars annually;

(b) Suspension or revocation of the person's license if he knew or reasonably should have known he was in violation of the provisions of this part 11; or

(c) Payment of a contractual claim to an insured or beneficiary pursuant to an insurance policy if the commissioner finds that the violation of this part 11 caused the failure to pay the claim, which amount shall be determined by the commissioner at the hearing based on the testimony and evidence presented. This paragraph (c) shall not apply during the pendency of any civil action seeking a declaratory judgment concerning such claims.

(2) Any order issued by the commissioner pursuant to paragraph (c) of subsection (1) of this section may be appealed to the district court, whereupon the matter shall be tried de novo by the district court.

Source: L. 73: R&RE, p. 862, § 1. C.R.S. 1963: § 72-14-8. L. 81: IP(1) amended, p. 577, § 4, effective June 4. L. 90: (1)(c) and (2) added, p. 614, §§ 1, 2, effective April 5. L. 93:

(1)(a) amended, p. 393, § 2, effective July 1. L. 94: IP(1) amended, p. 1628, § 23, effective May 31; IP(1) amended, p. 1946, § 2, effective June 2. L. 97: IP(1) amended, p. 1077, § 4, effective July 1; IP(1) amended, p. 98, § 2, effective January 1, 1998. L. 2008: (1)(a) amended, p. 2172, § 3, effective August 5.

Editor's note: (1) Amendments to the introductory portion to subsection (1) by Senate Bill 94-058 and Senate Bill 94-206 were harmonized.

(2) Senate Bill 97-072 was superseded by and harmonized with Senate Bill 97-108, because the amendment made in Senate Bill 97-108 has the effect of including the referenced section that was added in Senate Bill 97-072.

Notes of Decisions
Cited in 5 cases, 1983–2004 · leading case: Farmers Grp., Inc. v. Trimble, 658 P.2d 1370 (Colo. Ct. App. 1983).
Farmers Grp., Inc. v. Trimble, 658 P.2d 1370 (Colo. Ct. App. 1983). · cites it 3× “Section 10-3-1108, C.R.S.1973 (1981 Cum.Supp.”
Coors v. Sec. Life of Denver Ins. Co., 91 P.3d 393 (Colo. Ct. App. 2004). · cites it 3× “” Section 10-3-1101, C.R.S.2002: The UCDPA vests the insurance commissioner with power to investigate specifically defined acts and practices of insurers and to enforce regulatory penalties, such as limited monetary penalties and the suspension or revocation of licenses.”
Hawes v. Colorado Div. of Ins., 65 P.3d 1008 (Colo. 2003). · cites it 2× “(2002) (grants Commissioner authority to issue a cease and desist order where grounds for suspension or revocation of license are satisfied); § 10-3-1108 (grants Commissioner power to order certain persons found to have engaged in unfair competition or deceptive practices to…”
Transamerica Premier Ins. Co. v. Brighton Sch. Dist. 27J, 940 P.2d 348 (Colo. 1997). · cites it 2× “(1994); § 10-3-1108, 4A C.R.S. (1994). Furthermore, section 10-3-1113(1), 4A C.”
Life Investors Ins. Co. of Am. v. Smith, 833 P.2d 864 (Colo. Ct. App. 1992). · cites it 3× “Section 10-3-1108(l)(a), C.R.S. (1987 Repl.”
Colo. Rev. Stat. § 10-3-1108(l)(a): 1 case
Life Investors Ins. Co. of Am. v. Smith, 833 P.2d 864 (Colo. Ct. App. 1992). “Section 10-3-1108(l)(a), C.R.S. (1987 Repl.”
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