The Premises Liability Act and property tax classification
Colorado’s premises statute places a person on someone else’s land into one of three categories: trespasser, licensee, or invitee. A social guest counts as a licensee.
An invitee enters to transact business that the two sides are both interested in, or because the landowner expressly or impliedly represented that the public was expected. A landlord can be covered by the Act because it reaches a “person legally responsible for the condition of real property.”
The duty owed rises with each category. An invitee can generally recover when the owner didn’t take reasonable care against dangers the owner “actually knew about or should have known about” (C.R.S. 13-21-115(4)(c)(I)). For a licensee, proof of the owner’s actual knowledge is generally needed (C.R.S. 13-21-115(4)(b)).
C.R.S. 13-21-115(4)(c)(II) adds a rule for some farm and ranch land. When the landowner’s property is classified for property tax purposes as agricultural or vacant, an invitee’s recovery is limited to dangers the landowner “actually knew about.” The “should have known” standard drops out.
On agricultural or vacant land, what the owner knew, and when, can be central to the premises claim. Your category, whether on a farm, in a rental or at a business, is for the court to decide based on the facts (C.R.S. 13-21-115(6)).
Deadlines
- Tort claims: generally two years. Negligence and premises claims, and strict liability product claims, generally have to be filed within two years (C.R.S. 13-80-102(1)(a), 13-80-102(1)(b)).
- Crash claims. For a pickup, truck or car collision, tort claims arising out of the use or operation of a motor vehicle generally have three years (C.R.S. 13-80-101(1)(n)). A strict liability claim for a defective vehicle part generally keeps the two-year period (C.R.S. 13-80-101(1)(n)(II)).
- Government claims. A claim against a county, a city or another public entity starts with its own written notice rule, with a much shorter deadline (C.R.S. 24-10-109).
The two-year and three-year periods generally begin once both the injury and its cause are known, or should have been known with reasonable diligence (C.R.S. 13-80-108(1)). Separate rules can affect how the deadline runs for a child’s claim. Ask a lawyer to confirm the date that applies to you, as it depends on who may be responsible and the burn's circumstances.
Shared fault
An insurer may argue you should have noticed a hazard sooner or kept your distance. In a negligence claim, Colorado’s comparative negligence statute allows recovery when your negligence is less than that of the party you’re seeking damages from, with your damages reduced by your own percentage. Equal or greater fault on your side bars recovery (C.R.S. 13-21-111).
Imagine a repair shop owner found 60 percent at fault for leaving the guard off a grinder beside the customer counter, and you, a customer, found 40 percent at fault for walking past a posted warning. Your damages would be reduced by 40 percent.
Noneconomic damages
Colorado places a $1.5 million ceiling on damages for non-economic loss, which includes pain and suffering, inconvenience, emotional stress, and impairment of the quality of life, for claims arising on or after January 1, 2025. Under C.R.S. 13-21-102.5, medical malpractice and wrongful death have their own separate rules. Starting January 1, 2028, the ceiling is adjusted for inflation.
That ceiling applies to noneconomic losses, so medical costs and lost earnings aren’t subject to it (C.R.S. 13-21-102.5(3)). Subsection (5) states that the section can’t be construed to limit “the recovery of compensatory damages for physical impairment or disfigurement.” A burned hand that no longer grips a wrench the way it did may raise that kind of claim.