Pinnacol Assurance, Petitioner v. Norma Patricia Hoff; Hernan Hernandez; Alliance Construction & — Gabriel, J…

Summary

Justice Gabriel concurred in the majority's opinion and judgment, agreeing that the applicable statutes did not require Pinnacol to notify Hoff, a statutory employer and certificate holder, of policy cancellation and that the certificate did not independently impose that obligation. He reasoned that the certificate was not an insurance contract, its disclaimers were not void as against public policy, and its notice language was not ambiguous. Justice Coats, dissenting, would have held that Pinnacol's certificate made Alliance an insured employer entitled to cancellation notice and that coverage continued because notice was not provided.