State	Exemption	Exempt Policyholder Criteria	Other Provisions
Colorado Effective 1/15/00 Rate/Form Effective 90 days after close of legislative session (5/30/00) if no referendum petition filed	Exempts ECPs from filing and form certification requirements Commissioner may require the filing of rates if it is determined after a hearing that a line of insurance is not competitive or not adequately serviced by insurers. Eliminates prior approval for WC rates filed by insurers. Institutes file and use system for claims-made forms.	Commissioner to promulgate definition of ECP and qualifications of risk manager. ECPs must procure insurance through an employed or retained risk manager. ECP must meet at least one of the following minimum criteria: aggregate premium, net worth, annual net revenues, number of employees, annual budget/assets for not-for-profit or public entities, and municipality population.	ECP policies must include prominent disclaimer. Multi-state policies may include provision that laws of state w/largest percentage of premium control. Allows for automatic export of commercial lines to surplus lines market. Excludes workers comp and employers’ liability.

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