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Liability waiver · Colorado

Free Colorado Liability Waiver Form

A Colorado liability waiver in Word, with the Jones v. Dressel factors, parent waivers under section 13-22-107, and e-signature rules.

COLORADO AT A GLANCE
Pre-injury releases of negligence
Enforceable, strictly construed
Jones v. Dressel
Parent signing for a minor
Limited: a parent can waive some claims, with conditions
Colo. Rev. Stat. § 13-22-107
Gross negligence
Cannot be released. Jones v. Dressel
Electronic signatures
Uniform Electronic Transactions Act, Colo. Rev. Stat. § 24-71.3-101 et seq.
Personal-injury limitation period
2 years, Colo. Rev. Stat. § 13-80-102(1)(a)
Research status
Reviewed against primary sources on . General information, not legal advice.

Most states worked out their waiver law entirely in the courts. Colorado did not. In 2002 its supreme court held in Cooper v. Aspen Skiing Company that a mother could not sign away her teenage son's negligence claim, and within a year the General Assembly answered with section 13-22-107 of the Colorado Revised Statutes, a provision whose legislative declaration names the case by docket number and says flatly that the court's holding does not reflect the public policy of this state. That single statute is the reason a Colorado summer camp, ski club or climbing gym is in a different position from its counterpart across almost every state line.

Everything else about Colorado waiver law grows from a 1981 skydiving case, Jones v. Dressel, whose four-factor test still decides validity, and from a 2024 chairlift case, Miller v. Crested Butte, which drew a boundary nobody had drawn before. Below you will find how the four factors work, how far the parental statute reaches, the drafting choices Colorado courts have rewarded and punished, the conduct no release can touch, the state's electronic transactions article, and what to change in the Word form. Everything here is background information and not legal advice, so put your finished form in front of a Colorado attorney who handles recreation claims before anyone signs it.

How Colorado treats liability waivers

Jones v. Dressel began with a seventeen-year-old who signed a contract for use of a skydiving operation's facilities and was hurt months later when the plane taking jumpers aloft crashed. The court held he had ratified the contract by using the facilities after turning eighteen, then set out the rule that has governed ever since. Determining the sufficiency and validity of an exculpatory agreement is a question of law for the court, and four factors decide it: the existence of a duty to the public, the nature of the service performed, whether the contract was fairly entered into, and whether the intention of the parties is expressed in clear and unambiguous language. The opinion quoted the California decision in Tunkl at length to describe the kind of business that cannot exculpate itself, then placed recreational skydiving well outside that class.

That placement has been decisive ever since. Chadwick v. Colt Ross Outfitters, where a hunter thrown from a pack mule fractured his neck, repeated that businesses engaged in recreational activities are not practically necessary and owe no special duty to the public, which disposes of the first two factors before a court reaches the document. Fairness, the third factor, is measured by whether one side is at such obvious disadvantage in bargaining power that the contract puts it at the mercy of the other's negligence, a standard Heil Valley Ranch borrowed from Prosser and Keeton. A take-it-or-leave-it presentation does not by itself make the contract one of adhesion.

Miller v. Crested Butte, decided in 2024 after a chairlift accident left a child quadriplegic, is now the most important gloss on all of this. The court applied the Jones factors to the resort's season-pass releases and upheld them against the common law negligence claim, rejecting the argument that a release must anticipate the precise accident scenario. Then it went the other way on the second claim. Relying on Peterman and Gonzales for the proposition that parties may not privately contract to abrogate statutory requirements, it held as a matter of first impression that the resort could not release liability for breaching duties imposed by the Ski Safety Act of 1979, the Passenger Tramway Safety Act and the regulations under them, so the negligence per se claim had to be reinstated. Any Colorado business under a licensing or inspection statute should read that holding as written about itself.

Waivers signed for minors in Colorado

Cooper arose from a ski club race course. A seventeen-year-old racer crashed into a tree during training and lost the sight in both eyes, and the club relied on a release his mother had signed at the start of the season. The supreme court held that the public policy of Colorado affords minors significant protections that preclude a parent or guardian from releasing a minor's own prospective negligence claim, and separately that a parental indemnity clause, which shifts the cost of the injury from the tortfeasor to the parent, creates an unacceptable conflict of interest.

The General Assembly disagreed. Section 13-22-107 opens with six findings: that children should have the maximum opportunity to participate in sporting, recreational and educational activities where risks exist; that the entities providing them need a measure of protection or may stop providing them; that parents have a fundamental right to make decisions about their children's care; that parents weigh risk and benefit every day; that such choices deserve the same dignity as decisions about schooling, medical treatment and religious education so long as the decision is voluntary and informed; and that the point of the enactment is to keep youth activities affordable and available. Subsection (3) then delivers the operative rule in a single line: a parent of a child may, on behalf of the child, release or waive the child's prospective claim for negligence. Subsection (2) defines parent broadly enough to reach guardians and legal custodians.

Two limits matter as much as the grant. Subsection (4) states that nothing in the section shall be construed to permit a parent acting on behalf of his or her child to waive the child's prospective claim against a person or entity for a willful and wanton act or omission, a reckless act or omission, or a grossly negligent act or omission. And the phrase voluntary and informed in the declaration has real bite. In Wycoff v. Grace Community Church a seventeen-year-old broke her back when the inner tube she was riding, towed by an all-terrain vehicle across a frozen lake, hit a boulder; the only release language was the third sentence of a paragraph on a one-page registration form and it named no activity and no risk, so the Court of Appeals held it legally insufficient. In Hamill v. Cheley Colorado Camps the same court enforced a camp agreement against a fifteen-year-old who fell from a horse, because the three-and-a-half page form listed horseback riding, described how equipment can fail and how wranglers can misjudge circumstances, and the mother had signed it three summers running. The standard the two cases produce is workable: a parent is informed when the form gives enough information to assess the degree of risk involved and the extent of possible injury. Note also that the child's own signature is legally empty, since a minor's contract remains voidable until ratified after majority.

What the waiver must say to hold up in Colorado

There is no Colorado statute prescribing type size, capital letters or a separate signature block for a release, and no state analogue to the commercial code's conspicuousness definition other states borrow. Everything runs through the fourth Jones factor. Heil Valley Ranch settled the biggest question when it reversed a court of appeals decision that had voided a stable's release because the exculpatory clause omitted the word negligence; the supreme court said a valid release need not invariably contain that word and asked instead whether the intent of the parties was to extinguish liability and whether that intent was clearly and unambiguously expressed.

What the winning documents share is specificity about the activity. B & B Livery's release described mounting and riding a horse owned or operated by the stable and released any liability in the event of any injury or damage of any nature. Chadwick's hunt contract had a separately enumerated, emboldened section headed Disclosures, Disclaimers and Waivers, a release clause in capitals, and the words THIS IS A RELEASE OF LIABILITY in capitals immediately above the signature; the court said the organisation and placement made it unrealistic that the provisions could be missed or misunderstood, and noted approvingly that the release was short and free of legal jargon. Miller's season pass named using the lifts and misloading, entanglements, or falls from ski lifts and the negligence of ski area employees. Wycoff, by contrast, failed because the form told the parent nothing about what the children would actually do.

So the drafting brief for a Colorado form is short. Give the release its own heading and its own signature or initials line, and keep it to plain sentences a customer can read in a minute. Name the business, its owners, employees, volunteers and agents, then name the activity and the place. List the hazards that are genuinely yours, and say the list is not exhaustive, which is what saved the Cheley agreement. Say the release covers claims arising from the negligence of the released parties. Where a statute supplies fixed wording, keep that wording visibly separate from the release itself, exactly as Chadwick's contract did with the equine notice.

Gross negligence and what a Colorado waiver cannot cover

Jones v. Dressel drew the ceiling in the same paragraph that created the four-factor test: an exculpatory agreement must be closely scrutinised, and in no event will such an agreement provide a shield against a claim for willful and wanton negligence. Colorado does not maintain a separate tier called gross negligence with a lower threshold; Forman v. Brown supplies the definition the courts use, which is that gross negligence is willful and wanton conduct, action committed recklessly with conscious disregard for the safety of others. Section 13-22-107(4) restates the identical ceiling for parental waivers, adding reckless and grossly negligent acts to the list for completeness.

Two features of Colorado practice follow. First, an over-broad release is usually saved rather than destroyed. Chadwick's release was wide enough on its face to cover willful and wanton conduct, and the court said that similarly broad language has in the past been construed to extend only as far as would be consistent with public policy, citing B & B Livery, where the negligence claim was cut off but the willful and wanton claim went back for further proceedings. Second, whether conduct crossed into recklessness is ordinarily a question of fact, though Hamill shows a court will take it away when the record is devoid of evidence, as it was where wranglers had checked and rechecked the saddle before the ride.

Products are their own category. In Boles v. Sun Ergoline a customer lost parts of several fingers to an exhaust fan inside a tanning booth after signing a release naming the manufacturer. The supreme court held the Jones factors were the wrong tool entirely and that an agreement releasing a manufacturer from strict products liability for personal injury, in exchange for nothing more than an individual consumer's right to use the product, necessarily violates public policy and is void. If you rent, sell or supply equipment, no wording will move that risk.

Electronic signatures in Colorado

Colorado adopted the Uniform Electronic Transactions Act as article 71.3 of title 24, a naming choice confirmed by section 24-71.3-101. The operative provision is section 24-71.3-107, which says a record or signature may not be denied legal effect or enforceability solely because it is in electronic form, that a contract may not be denied effect because an electronic record was used in its formation, that an electronic record satisfies a law requiring a writing, and that an electronic signature satisfies a law requiring a signature. Section 24-71.3-105 is the gate: the article applies only to transactions between parties each of which has agreed to conduct transactions by electronic means, and whether they agreed is determined from the context and surrounding circumstances, including the parties' conduct. Section 24-71.3-109 then attributes an electronic record or signature to a person if it was the act of that person, shown in any manner, including the efficacy of any security procedure.

One Colorado provision deserves more attention than it usually gets. Section 24-71.3-108(3) provides that if a sender inhibits the ability of a recipient to store or print an electronic record, the electronic record is not enforceable against the recipient. A flow that shows the release in a scrolling box and never emails a copy is inviting that argument. Give the signer a downloadable copy at the moment of signing, keep the consent step visible and separate, and store the identity, timestamp and audit data that section 24-71.3-109 lets you use to tie the signature to the person.

How to use this form in Colorado

Open the Word template and work through the bracketed placeholders one by one: your legal entity name, the activity, the address, and Colorado plus your county in the governing-law and venue clause. Rewrite the risk list so it describes your operation rather than a generic one, and leave in the sentence saying the list is not complete. Keep the release under its own heading with its own signature line rather than folding it into a registration paragraph, the mistake that sank the church form in Wycoff. If you run trail rides, a lesson barn or a pack string, add the section 13-21-119 warning notice verbatim somewhere distinct from the release, and check that your signs carry the same words in inch-high black letters. Ski area, lift and tramway operators should keep the Ski Safety Act signage and lift-ticket notice current and accept that Miller leaves their statutory duties outside anything the form can release. Delete the italic notes to the business before you publish, and ask a Colorado lawyer to read the result.

For minors, keep the guardian block and strengthen it. Because section 13-22-107 makes a parent's signature genuinely effective, the value of the form goes up, and so does the importance of the information you put in front of the parent. Spell out what the child will do, what can go wrong and how badly, then have the parent sign the same page that contains it.

Moving all of this online is straightforward with Waiver.com. Rebuild the template as blocks, keep the Colorado release in a block of its own with its own initials field, add a second block for any statutory notice your activity requires, and set guardian fields to appear whenever the participant is under eighteen. Publishing creates a version, and every Colorado signature you collect afterwards is stored against that exact version with its timestamp, which is what you want in hand when someone asks two years later what the parent read.

Sample wording

These are the clauses courts read most closely, quoted from the downloadable template. Square brackets are placeholders; replace [State] with Colorado and review the whole document against the Colorado sections above.

FROM LIABILITY WAIVER AND RELEASE AGREEMENT

Acknowledgment and Assumption of Risk

I understand that [describe the activity, e.g. indoor rock climbing, a guided kayak tour, a fitness class] (the "Activity") involves inherent risks, dangers and hazards that cannot be eliminated regardless of the care taken to avoid injury. These risks include, without limitation: slips, trips and falls; collisions with other participants, spectators, equipment, structures or natural features; equipment that fails, is misused or is not properly adjusted; the conditions of the premises, weather, water or terrain; overexertion, dehydration, heat or cold; the actions or negligence of other participants; and the risk that staff may misjudge a participant's ability or the conditions. I understand that these risks may result in property damage, bodily injury, illness, permanent disability, paralysis or death.

I confirm that I am voluntarily choosing to take part with full knowledge of these risks. I ASSUME ALL RISKS OF PARTICIPATION, KNOWN AND UNKNOWN, INCLUDING RISKS ARISING FROM THE ORDINARY NEGLIGENCE OF THE RELEASED PARTIES, to the fullest extent permitted by the law of the governing state named below.

Release of Liability

In consideration of being permitted to take part in [describe the activity, e.g. indoor rock climbing, a guided kayak tour, a fitness class] (the "Activity"), I, for myself and on behalf of my heirs, executors, administrators, assigns and next of kin, RELEASE, WAIVE AND DISCHARGE [Business Name], its owners, officers, employees, agents, volunteers, contractors, insurers, landlords and affiliated entities (together, the "Released Parties") from all claims, demands, losses and liability for bodily injury, illness, death or property damage arising out of or related to my participation, WHETHER CAUSED BY THE ORDINARY NEGLIGENCE OF THE RELEASED PARTIES OR OTHERWISE, to the fullest extent permitted by law.

This release does not apply to claims arising from gross negligence, recklessness, or intentional misconduct, or to any other claim that cannot be released under the law of the governing state named below.

Parent or Guardian Consent (for a participant under 18)

I am the parent or legal guardian of the minor participant named below and I have the legal authority to sign for them. I have read this document, I have explained the risks of [describe the activity, e.g. indoor rock climbing, a guided kayak tour, a fitness class] (the "Activity") to the minor in terms they understand, and I consent to their participation.

To the fullest extent permitted by the law of the governing state, I make every acknowledgment, release, waiver and promise in this document on behalf of the minor and on my own behalf, and I agree to indemnify the Released Parties against any claim brought by or on behalf of the minor to the extent the law allows. I understand that some states limit or do not allow a parent to release a minor's claims, and that in those states the minor's own claims may not be affected by my signature.

I authorize [Business Name] to obtain emergency medical treatment for the minor if I cannot be reached, and I agree to pay for that treatment.

DOWNLOAD THIS TEMPLATE

The Colorado liability waiver, ready to edit.

An editable Word document with every section above, bracketed placeholders, signature blocks for an adult and for a parent or guardian, and a note reminding you to have a local attorney review it. Free, no email required.

Word (.docx), about 1300 words. This is a general template, not legal advice.
COMMON QUESTIONS

Colorado liability waiver questions

Are liability waivers enforceable in Colorado?

Yes, for ordinary negligence. The Colorado Supreme Court decided in Jones v. Dressel that a release is valid when a court, weighing four factors, is satisfied there is no duty to the public, the service is not an essential one, the contract was fairly entered into, and the intention of the parties is expressed in clear and unambiguous language. Because recreation is treated as a voluntary, non-essential service, guided hunts, trail rides, ski passes and skydiving contracts have all survived the test.

Can a parent sign away a child's claim in Colorado?

Yes, and Colorado is unusual in saying so by statute. Section 13-22-107(3) of the Colorado Revised Statutes provides that a parent of a child may, on behalf of the child, release or waive the child's prospective claim for negligence. The General Assembly passed it specifically to reject Cooper v. Aspen Skiing Company, declaring in section 13-22-107(1)(b) that the supreme court's holding in that case does not reflect the public policy of this state.

What are the limits on a Colorado parental waiver?

Three. Section 13-22-107(4) says nothing in the section permits a parent to waive a child's claim for a willful and wanton act or omission, a reckless act or omission, or a grossly negligent act or omission. The legislative declaration requires the parent's decision to be voluntary and informed, which the Court of Appeals read in Wycoff and Hamill as needing enough information to judge the degree of risk and the extent of possible injury. And Miller v. Crested Butte holds that no parental waiver can erase a duty a Colorado safety statute or regulation imposes.

Does a Colorado waiver have to use the word negligence?

No. Heil Valley Ranch v. Simkin reversed a court of appeals ruling that had voided a horseback riding release for omitting the word, holding that a valid exculpatory agreement need not invariably contain it. What matters is whether the intent to extinguish liability was clearly and unambiguously expressed. Writing the word in anyway costs nothing and removes an argument the other side would otherwise make.

Can a Colorado release cover gross negligence?

Never. Jones v. Dressel states that in no event will an exculpatory agreement provide a shield against a claim for willful and wanton negligence, and Colorado treats gross negligence as the same thing, defined in Forman v. Brown as conduct committed recklessly with conscious disregard for the safety of others. Chadwick shows the usual remedy, which is to read an over-wide release down to what public policy allows rather than throw it out.

Are electronic waivers valid in Colorado?

Yes. Article 71.3 of title 24 is the Colorado version of the Uniform Electronic Transactions Act. Section 24-71.3-107 says a record or signature cannot be denied legal effect solely because it is electronic and that an electronic signature satisfies a law requiring a signature, section 24-71.3-105 applies the article only where both parties agreed to transact electronically, and section 24-71.3-109 attributes a signature to whoever actually made it.

How long does someone have to sue after signing a Colorado waiver?

Two years from accrual for tort claims under section 13-80-102(1)(a), with a three-year period carved out for claims arising from the use or operation of a motor vehicle. Minority tolling is tighter than many operators expect: section 13-81-101(3) treats a minor as under disability only where the child has no legal guardian, and section 13-81-103(1)(c) then allows the ordinary period or two years after the disability lifts, whichever ends later.

What signs does Colorado make recreation operators post?

Equine and llama professionals must post the section 13-21-119 warning notice in black letters at least an inch high near stables, corrals and arenas, and reprint that notice in clearly readable print in every written contract for services, instruction or rental. Ski area operators face section 33-44-107(8), which calls for a warning sign no smaller than three feet by three feet at ticket windows and base lifts and the same notice on every lift ticket sold.

OFFICIAL RESOURCES

Official Colorado resources

  1. Colorado General Assembly
  2. Colorado Judicial Branch
  3. Colorado Bar Association
  4. Colorado Judicial Branch self-help centre
  5. Colorado Revised Statutes on Public.Law

Activity-specific Colorado statutes

  1. Ski Safety Act of 1979, C.R.S. §§ 33-44-101 to 33-44-114Section 33-44-112 bars any skier claim against a ski area operator for injury resulting from the inherent dangers and risks of skiing, a phrase defined at length in section 33-44-103(3.5). Section 33-44-113 caps total recoverable damages against an operator at one million dollars present value, with sub-caps of two hundred fifty thousand dollars for derivative claims and for noneconomic loss, and forbids disclosing the cap to the jury. Section 33-44-107(8) requires a three-foot by three-foot warning sign in red and black at ticket windows and base lifts, with letters at least one inch high, and the same statutory warning notice in clearly readable print on every lift ticket.
  2. Equine and llama activities, C.R.S. § 13-21-119Subsection (3) removes liability for injury or death resulting from the inherent risks of equine or llama activities, subject to the exceptions in subsection (4)(b) for faulty tack, failing to match animal to rider, known latent land hazards without posted warning signs, willful or wanton disregard for safety, and intentional injury. Subsection (5) requires every equine professional to post signs carrying the statutory WARNING notice in black letters at least one inch high, and to put that same notice in clearly readable print in every written contract for services, instruction, or the rental of tack or an equine. Subsection (6) imposes identical duties on llama professionals.
  3. Passenger Tramway Safety Act, C.R.S. §§ 12-150-101 to 12-150-120Creates the Passenger Tramway Safety Board within the Department of Regulatory Agencies to license and inspect ski lifts and other passenger tramways and to adopt safety rules, which incorporate the ANSI B77.1 standard for lift attendants. Miller v. Crested Butte held that a resort cannot use a private release to escape liability for breaching duties imposed by this act, by the Ski Safety Act or by the board's rules, so a negligence per se claim built on those duties survives a signed waiver.

Cases and statutes cited on this page

  1. Jones v. Dressel, 623 P.2d 370 (Colo. 1981)Skydiving release upheld; states the four factors, adopts the Tunkl public-interest discussion, and holds that no exculpatory agreement shields willful and wanton negligence.
  2. Heil Valley Ranch, Inc. v. Simkin, 784 P.2d 781 (Colo. 1989)Horseback riding release enforced; a valid release need not invariably contain the word negligence, and the test is whether the intent to extinguish liability was clearly and unambiguously expressed.
  3. Chadwick v. Colt Ross Outfitters, Inc., 100 P.3d 465 (Colo. 2004)Guided elk hunt release enforced; recreational providers owe no special duty to the public, and overbroad language is cut back to what public policy allows rather than voided.
  4. B & B Livery, Inc. v. Riehl, 960 P.2d 134 (Colo. 1998)Equine release upheld as a general release of negligence; parties may contract beyond the protection the equine statute already gives, and the willful and wanton claim was remanded.
  5. Miller v. Crested Butte, LLC, 2024 CO 30, 549 P.3d 228Official Colorado Supreme Court opinion: the Jones factors were satisfied by a season-pass release, but a resort cannot release liability for breach of duties imposed by the Ski Safety Act, the Passenger Tramway Safety Act and the regulations under them.
  6. Colo. Rev. Stat. § 13-22-107, C.R.S. § 13-22-107Legislative declaration, definitions, subsection (3) authorising a parent to release a child's prospective negligence claim, and subsection (4) withholding willful and wanton, reckless and grossly negligent acts or omissions.
  7. Cooper v. Aspen Skiing Co., 48 P.3d 1229 (Colo. 2002)The decision the statute superseded: a ski club release signed by a mother did not bar her blinded teenage son's negligence claim, and a parental indemnity clause created an unacceptable conflict of interest.
  8. Hamill v. Cheley Colorado Camps, Inc., 262 P.3d 945 (Colo. App. 2011)Camp release enforced against a fifteen-year-old rider; a parent's decision is informed when the parent has enough information to assess the degree of risk and the extent of possible injury.
  9. Wycoff v. Grace Community Church of the Assemblies of God, 251 P.3d 1260 (Colo. App. 2010)A single release sentence buried in a church permission slip failed, because the form never named the activity or the risks and so could not make the mother's decision informed.
  10. Forman v. Brown, 944 P.2d 559 (Colo. App. 1996)Source of the definition Colorado courts use: gross negligence is willful and wanton conduct, action committed recklessly with conscious disregard for the safety of others.
  11. Boles v. Sun Ergoline, Inc., 223 P.3d 724 (Colo. 2010)An agreement releasing a manufacturer from strict products liability for personal injury, in exchange for nothing more than the right to use the product, violates public policy and is void.

Where the law is unsettled

  • The Colorado General Assembly's own PDF editions of the Colorado Revised Statutes at leg.colorado.gov refused automated requests, so every statute cited here was read on colorado.public.law, which reproduces the official text and links back to the legislature's PDF for each section.
  • Miller v. Crested Butte was read from the Colorado Judicial Branch's own opinion PDF for case 23SA186 and its neutral citation 2024 CO 30 appears on that document; the parallel citation 549 P.3d 228 was confirmed through the CourtListener search API rather than from a printed reporter, because the Caselaw Access Project's data stops well before 2024.
  • What makes a parent's decision voluntary and informed under section 13-22-107(1)(a)(V) has been worked out only by two Court of Appeals divisions, Wycoff and Hamill, both decided more than a decade ago. The Colorado Supreme Court has never set that standard, so the safe assumption is the more demanding reading.
  • Section 13-22-107(3) authorises a parent to release or waive a child's prospective negligence claim and says nothing about indemnity, while Cooper separately held that a parental indemnity clause creates an unacceptable conflict of interest. Whether that part of Cooper survives the statute is not clearly resolved, so treat indemnity language in a minor's waiver as untested.
  • Miller forbids releasing duties imposed by the Ski Safety Act, the Passenger Tramway Safety Act and their regulations, but the opinion does not say how far the same reasoning reaches into other regulated activities. Re-check whether later decisions extend it before relying on a waiver in any licensed or inspected business.
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