Legal Question in Insurance Law in Colorado

Re: protection from winning

It sounds like you are being given wrong

advice from your insurer, who received premiums

for agreeing to defend baseless (and valid) claims.

There are a number of risk management options, and

I suggest you speak to a knowledgeable insurance

broker. Higher deductibles, staff counsel, negotiated

panel counsel; these are some of the options.

Just because you are in a small town doesn't mean

you cannot use the services of a metropolitan

broker who knows about risks.