An insurer wants to cancel a Commercial General Liability policy that has been in effect for more than 60 days due to a reason other than nonpayment of premium. How many days before the effective date of cancellation must the insurer send notice of cancellation to the insured?

In Colorado, for a Commercial General Liability policy that has been in effect for more than 60 days, the insurer is required to provide at least 30 days' notice before the cancellation takes effect. This is aligned with regulations that protect insured parties by ensuring they have adequate time to find alternative coverage. The notice period allows the insured to prepare for the policy cancellation and seek other options to maintain necessary coverage against potential liabilities.

The other options, while representing different notice periods, do not meet the legal requirements as stipulated for cancellations not related to nonpayment of premiums. Specifically, 15 days, 45 days, and 60 days do not satisfy the mandated 30-day notice requirement for such cancellations, highlighting the importance of understanding the specific timeframes established by state regulations for insurance policy cancellations.