Claims
Something went wrong. Here's the first hour.
Things break, trucks get stuck, people slip. That's why the coverage exists. Do these in order, then call us and we'll report it together.
Business hours, Mountain time. Outside them, the carrier's claim line on your policy is staffed around the clock; call it, then email us.
The first hour
Do these in order
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Utility strike
Stop digging. Get everyone away from the hole, especially for gas. Call 911 if there is any smell or hiss, then call 811 and the facility owner from the ticket. Photograph the marks, the ticket, and the strike before anything moves. Then call us.
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Injury on the job
Get the person care first. Then report it to the workers compensation carrier the same day; Colorado employers have reporting duties and the carrier has a claim line on the policy. Write down what happened while it is fresh. Then call us.
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Truck or equipment accident
Police report, photos of every vehicle and the scene, names and numbers of witnesses. Do not discuss fault at the scene. If a plow blade or a loaded dump truck was involved, note it; it changes which policy responds. Then call us.
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Slip-and-fall notice on a snow account
Do not respond to the letter yourself. Pull the service log for that lot and that storm: times in and out, what you applied, who was driving, photos if you have them. Preserve the contract. Send all of it to us the same day.
Then how we help
We report the claim with you, so the first version of the story the carrier hears is the complete one. We tell you which policy responds and why: a fuel spill from a hydraulic line is a pollution question before it's a GL question; a plow truck accident is commercial auto if the truck is on it and a problem if it isn't. We keep the documentation organized and we push back when an adjuster's read doesn't match the form. What we don't do is decide the claim. The carrier does that, under the policy language.
The Colorado part
Under C.R.S. 9-1.5-104.5(2)(d), a contractor who damages an underground facility after failing to notify Colorado 811, or failing to use reasonable care, is presumed liable for the owner's repair or replacement costs, litigation costs and attorney fees, and any resulting injury or property damage. (C.R.S. 9-1.5-104.5(2)(d)) That's why the photos of the marks and the ticket matter in the first hour. On injuries, Colorado employers must carry workers' compensation insurance as soon as they have one or more employees, whether part-time, full-time, or family members (C.R.S. 8-40-203(1)(b), 8-44-101); the state can fine an uninsured employer up to $500 for every day without coverage. (C.R.S. 8-40-203(1)(b); 8-44-101; 8-43-409)
When you call
What to have in hand.
Each card links to the policy that usually responds. The carrier decides the claim under the policy language.
- Utility strike
The marks, the ticket, and the strike, photographed
Before anything moves. The 811 ticket number and the facility owner named on it. General liability - Injury
The same-day report and a written account
What happened, while it is fresh, and the claim line from the workers compensation policy. Workers' compensation - Truck or equipment
The police report, the photos, and the witnesses
Every vehicle and the scene. A note if a plow blade or a loaded dump truck was involved. Commercial auto - Snow account
The service log, the storm, and the contract
Times in and out, what you applied, who was driving, photos if you have them. Snow removal insurance
Do I call you or the carrier first?
Will a claim raise my rates?
Who decides whether it is covered?
What if I dug without a valid ticket?
Statutes and numbers on this page last verified September 2, 2026 by a licensed Colorado producer. How we verify.