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Joe Ramirez


6380 South Fiddlers Green Circle, Suite 500, Greenwood Village, CO 80111

Joe provides clear strategies to his clients when they are faced with risk management and insurance coverage issues.

Having worked in the insurance industry before becoming an attorney, Joe understands the nuances of the insurance industry, and he can guide clients through the complexities of insurance coverage and, where necessary, coverage litigation.

He represents policyholders exclusively in a variety of insurance coverage cases. These cases include commercial general liability, commercial property, directors and officers, errors and omissions, life, health, fidelity and surety bonds, and excess/umbrella insurance. In addition, Joe consults business professionals on risk management issues, including maximizing the possibility of insurance coverage by examining existing exposures.

Joe's extensive experience in insurance coverage includes 15 years of supervising litigation for a $5 billion national property and casualty company prior to law school. As a litigation supervisor, he was responsible for overseeing complex coverage disputes involving construction, environmental, and product liability cases.

Client Results

Representative Cases
  • West Coast Life Ins. Co., v. Hoar, 558 F.3d 1151, (10th Cir. 2009), prevailed on a motion for summary judgment rescinding a $3 million life insurance policy for misrepresentations in an application
  • Westcor v. Travelers, 2006 WL 1752338 (D.Colo), prevailed on motion for partial summary judgment preventing Travelers from removing a $200 million earth movement extension of coverage at renewal



Speaking Engagements


Bar Admissions


  • The Best Lawyers in America© Insurance Law, 2011-2018; Litigation-Insurance, 2018
  • Colorado Super Lawyers®, Rising Stars, 2012, 2013
  • Law Week Colorado, Up-And-Coming Lawyers
  • One of only 24 lawyers nationwide selected to be part of the American Bar Association's inaugural TIPS Leadership Academy, 2007
  • Colorado Hispanic Bar Association, "The Outstanding New Hispanic Lawyer of 2005"

Professional and Civic Affiliations

  • Colorado Hispanic Bar Association, Past-President, 2008
  • American Bar Association, Member
    Membership Vice-Chair
    Tort Trial and Insurance Practice Section
    Insurance Coverage Litigation Committee, 2005-present
    Task Force on Disaster Insurance Coverage, 2007-2008
    Self-Insurers and Risk Managers Committee, Chair, 2013-2014
  • Risk and Insurance Management Society, Member, 2009-present
  • Colorado Bar Association, Member

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