Opinion ID: 2634716
Heading Depth: 2
Heading Rank: 3

Heading: Plain Language of Policy

Text: Because Cotter's other insurance clause and equitable subrogation arguments fail, we conclude that the court of appeals correctly applied the language of the excess policies to conclude that First State and American Empire did not have a duty to defend Cotter. Where terms of an insurance policy are unambiguous, we enforce the terms as written. State Farm Mut. Auto. Ins. Co. v. Stein, 940 P.2d 384, 387 (Colo. 1997). Specifically, when a policy's plain terms unconditionally exclude a duty to defend, we will not find such a duty. Bertagnolli v. Ass'n of Trial Lawyers Assurance, 934 P.2d 916, 918 (Colo.App.1997). Here, the policies' plain terms expressly state that First State and American Empire have no duty to defend Cotter. Therefore, we hold that the excess insurance policies issued by First State and American Empire do not impose a duty to defend Cotter.