The decision protects insurance adjusters who could have been held personally liable for denying or delaying a decision in a claim. The decision protects insurance adjusters who could have been held personally liable for denying or delaying a decision in a claim. (Photo: Shutterstock)

The Supreme Court of Colorado has ruled that a Colorado law allowing claimants to collect double coverage if an insurance claim is unreasonably denied or delayed does not allow plaintiffs to hold claims adjusters personally liable, which is good news for adjusters operating based on the direction of an insurer. The case is Skillett v. Allstate Fire & Cas. Ins. Co., 2022 CO 12.

The unanimous decision answered a certified question of law from the U.S. District Court for the District of Colorado. The Colorado high court rejected a policyholder’s attempt to hold an insurance director personally liable under sections 10-3-1115 to 10-3-1116 C.R.S. (2021) for unreasonable delay or denial of a claim.

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