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

Summary

The dissent would have largely affirmed the court of appeals because Pinnacol's certificate of insurance made Alliance an insured employer whose statutory liability was covered, requiring notice before cancellation. It reasoned that the majority's narrower reading of the workers' compensation statutes undermines the statutory compromise and may produce duplicative premiums and gaps in coverage. Justice Gabriel, concurring, agreed with the majority's result but urged legislative clarification of the rights and obligations associated with certificates of insurance.