January 27, 2026 | CSD Team

Every four years, the maximum liability limit under the Colorado Governmental Immunity Act (CGIA) is adjusted for inflation. For the 2026 to 2030 term, the increase to the CGIA tort cap limits are as follows: 

• $505,000 for any injury to one person in any single occurrence 

• $1,421,000 for any injury to two or more persons in any single occurrence; except that, in such instance, no person may recover in excess of $505,000 

As a reminder, the CSD Pool provides its members with a $2,000,000 per occurrence limit under our Public Entity Liability coverage; however, this may not be enough to protect your district from discrimination claims. 

These caps do not apply to allegations under federal law, such as allegations of employment, discrimination, or civil rights violations. 

Due to the current and past awards in litigation against public entities, many districts have been steadily increasing their limits over time. 

If you’d like to inquire about purchasing higher limits, please send us a message at csdpool.org/connect. Our team of underwriters are happy to discuss your coverage and the options available to you.