The summaries of the Colorado Court of Appeals published opinions
constitute no part of the opinion of the division but have been prepared by
the division for the convenience of the reader. The summaries may not be
cited or relied upon as they are not the official language of the division.
Any discrepancy between the language in the summary and in the opinion
should be resolved in favor of the language in the opinion.
SUMMARY
December 1, 2022
2022COA137
No. 21CA1299, Mother Doe v. Wellbridge Club Management —
Contracts — Exculpatory Agreements; Torts — Premises
Liability — Negligence
A division of the court of appeals considers whether an
exculpatory provision in a membership agreement is valid as
applied to negligence-related claims against an athletic club based
on the sexual abuse of a minor on and off the club’s premises by a
club employee. The division holds that the provision is not valid as
applied to these claims because the provision does not express the
parties’ intention to waive such claims in clear, unambiguous, and
unequivocal language. As a result, the provision does not bar the
plaintiff’s negligence and Premises Liability Act claims. The division
reverses the district court’s grant of summary judgment in favor of
the defendant and vacates an associated costs order.
COLORADO COURT OF APPEALS 2022COA137
Court of Appeals No. 21CA1299
City and County of Denver District Court No. 20CV31185
Honorable J. Eric Elliff, Judge
Mother Doe and Jane Doe,
Plaintiffs-Appellants,
v.
Wellbridge Club Management LLC, d/b/a Colorado Athletic Club-Monaco
a/k/a Club Monaco,
Defendant-Appellee.
JUDGMENT REVERSED, ORDER VACATED,
AND CASE REMANDED WITH DIRECTIONS
Division V
Opinion by JUDGE NAVARRO
Welling and Johnson, JJ., concur
Announced December 1, 2022
Burg Simpson Eldredge Hersh Jardine, P.C., D. David Batchelder, Nelson
Boyle, Jessica B. Prochaska, Alyssa C.E. Hill, Englewood, Colorado, for
Plaintiffs-Appellants
Chipman Glasser, LLC, Mark T. Barnes, Jennifer M. Osgood, Denver, Colorado,
for Defendant-Appellee
¶1 Plaintiffs, Mother Doe and Jane Doe (together, the Does),
appeal the judgment entered in favor of defendant, Wellbridge Club
Management LLC, d/b/a Colorado Athletic Club-Monaco, a/k/a
Club Monaco (the Club), on Mother Doe’s negligence claims and
Premises Liability Act (PLA) claim. The Does also appeal the order
requiring Mother Doe to pay costs. Mother Doe brought the claims
on behalf of her daughter, Jane Doe, who was sexually abused
while a minor by a Club employee.1 The district court concluded
that Mother Doe’s claims were barred by the exculpatory provision
of the Club’s membership agreement. Addressing a novel issue in
Colorado, we hold that the exculpatory provision does not bar
Mother Doe’s claims related to the sexual abuse of her daughter.
Therefore, we reverse the judgment, vacate the costs order, and
remand the case for further proceedings.
I. Factual and Procedural History
¶2 Jane Doe was a minor at all times relevant to this case. In
July 2014, she became a member of the Club when her grandfather
1Mother Doe filed the complaint as parent and legal guardian of
Jane Doe. Jane Doe has joined Mother Doe’s notice of appeal and
appellate briefs.
1
signed a membership agreement on her behalf. In the fall of 2015,
Jane Doe began taking tennis lessons from Milos Koprivica, an
employee of the Club. From August 2016 to February 2017,
Koprivica sexually abused Jane Doe. In her complaint, Mother Doe
alleged that the abuse happened both on and off the Club’s
premises. The Club terminated Koprivica’s employment in
February 2017. He later pleaded guilty to criminal charges of child
abuse and sexual exploitation of a child as a result of his abuse of
Jane Doe.
¶3 Mother Doe sued the Club, asserting the following claims:
(1) liability under the PLA, § 13-21-115, C.R.S. 2016;2 (2) negligent
hiring and retention; (3) negligent supervision; (4) negligence;
(5) negligent infliction of emotional distress; and (6) respondeat
superior liability. On the Club’s motion, the district court
dismissed the PLA claim insofar as it alleged abuse that occurred
off the Club’s premises. The court also dismissed the negligence-
based claims insofar as they alleged abuse that occurred on the
2 Because the PLA has since been amended, we rely on the version
in effect at the time of the incidents alleged in this case.
2
Club’s premises. Finally, the court dismissed the negligent hiring
and respondeat superior claims.
¶4 The Club moved for summary judgment on the remaining
claims. The Club advanced two arguments: (1) the exculpatory
provision in the membership agreement barred the claims; and
(2) no evidence showed that the Club knew, or should have known,
that Koprivica was sexually abusing Jane Doe.
¶5 The membership agreement contained the following
exculpatory provision:
WAIVER AND RELEASE OF PERSONAL
INJURY – I recognize, acknowledge, and agree
that athletic activities and the use of the Club
may result in personal injuries, including
serious bodily injury or death. By accepting
this agreement in using the [Club’s] facilities,
I assume all risks of injuries that I or my
minor children may suffer and all
responsibilities associated with the use of the
Club’s athletic facilities, including any athletic
activities, showers, steam rooms, or other Club
usage. I agree, waive, and release [the Club],
its owners, managers, and any of their
subsidiaries, assigns, successors, attorneys,
and insurers (the [Club] Parties) from any and
all claims, damages, liabilities, expenses, and
costs arising out of, or relating to (a) the
negligence of [the Club], its owners, managers,
and employees, (b) any another member’s [sic],
guest’s or invitee’s conduct, (c) the condition of
[the Club’s] facilities, or (d) my or my Guests’
3
use of [the Club’s] facilities and activities,
including without limitation, my or my Guests’
use of [the Club’s] parking lot, athletic
facilities, athletic equipment, pool, sauna,
steam room, showers, or any other facilities
and activities associated with [the Club].
Further, I agree to indemnify and defend the
[Club] Parties against any and all claims,
damages, costs, [and] expenses, arising from
my and my Guests[’] or Invitees[’] use of [the
Club’s] facilities.
¶6 In a written order, the district court decided that this provision
barred Mother Doe’s claims. Specifically, the court concluded,
“Plaintiff waived all injuries in connection with using the Club’s
facilities. Separately, she waived all negligence claims against the
Club.” The court continued, “Even if the negligence claim cannot be
separated from the waiver regarding use of the Club (which is a
strained reading), surely Plaintiff’s injuries did arise from the fact
that she availed herself of the Club’s tennis coaching services.”
Thus, the court granted summary judgment in the Club’s favor
without addressing the Club’s second argument.
¶7 Mother Doe filed two motions to reconsider. In the first
motion, filed under C.R.C.P. 59, she argued that “the sexual
grooming and sexual assault of a child is not contemplated by the
membership agreement.” In the second motion, filed under
4
C.R.C.P. 60, she argued that a new Colorado law — section 13-20-
1204, C.R.S. 2022 — voided the exculpatory provision at issue.
¶8 The court denied both motions. As to the first, the court ruled
that Mother Doe simply repeated arguments the court had already
considered and rejected. As to the second motion, the court gave
three reasons for its ruling: (1) “the [new] law was not in effect at
the time of the [c]ourt’s ruling, and indeed is still not in effect
today”; (2) “the law clearly reflects the legislature’s intent that it
apply prospectively”; and (3) “the new law does not affect the law
relied on by the [c]ourt in its summary judgment order.”
¶9 On appeal, the Does contend that the district court erred
because “[t]here is no evidence that the Does understood or
intended that the waiver would extend to extinguish the Club’s
responsibility for its employee’s grooming and sexual assault of
Jane Doe.” Alternatively, the Does contend that reversal is required
because section 13-20-1204 “declared the exculpatory clause void
as contrary to public policy.” Finally, the Does ask us to vacate the
court’s costs order if we reverse the summary judgment order.
¶ 10 Because we conclude that the exculpatory provision does not
bar Mother Doe’s claims, we reverse the summary judgment, vacate
5
the costs order, and remand the case for further proceedings on
Mother Doe’s claims. As a result, we do not address the Does’
arguments based on section 13-20-1204.
II. Validity of the Exculpatory Provision
as Applied to Mother Doe’s Claims
¶ 11 The Does contend that the exculpatory provision does not bar
Mother Doe’s claims because Jane Doe’s grandfather “could not
[have] fathom[ed]” that he was releasing the right to bring claims
based on Jane Doe’s injuries resulting from a Club employee’s
sexual abuse of her. We agree that the exculpatory provision is not
valid as applied to those claims.
A. Standard of Review and General Principles
¶ 12 Summary judgment is appropriate if the pleadings and
supporting documents establish that no genuine issue of material
fact exists and judgment should be entered as a matter of law.
Redden v. Clear Creek Skiing Corp., 2020 COA 176, ¶ 12. We review
a summary judgment ruling de novo. Id. Here, the district court
granted summary judgment based solely on the exculpatory
provision. Whether this provision is valid is a question of law that
we review de novo. Id. at ¶ 13.
6
¶ 13 “Generally, exculpatory agreements have long been
disfavored.” B & B Livery, Inc. v. Riehl, 960 P.2d 134, 136 (Colo.
1998); Stone v. Life Time Fitness, Inc., 2016 COA 189M, ¶ 14
(quoting B & B Livery, 960 P.2d at 136). In no event will an
exculpatory agreement be permitted to shield against a claim of
willful and wanton conduct. Chadwick v. Colt Ross Outfitters, Inc.,
100 P.3d 465, 467 (Colo. 2004).
¶ 14 An exculpatory agreement attempting to insulate a party from
liability for its own simple negligence, however, “is not necessarily
void as against the public policy” of Colorado. Id. We strictly
construe such an exculpatory agreement against the party seeking
to limit its liability. Hamill v. Cheley Colo. Camps, Inc., 262 P.3d
945, 952 (Colo. App. 2011); see Heil Valley Ranch, Inc. v. Simkin,
784 P.2d 781, 784 (Colo. 1989). We also “closely scrutinize[]” an
exculpatory agreement under four factors (the Jones factors) to
determine whether it is valid: (1) the existence of a duty to the
public; (2) the nature of the service performed; (3) whether the
contract was fairly entered into; and (4) whether the parties’
intention was expressed in clear and unambiguous language.
7
Jones v. Dressel, 623 P.2d 370, 376 (Colo. 1981); see Redden,
¶ 16.3
B. Analysis
¶ 15 The question presented is whether the exculpatory provision
bars Jane Doe’s right (or Mother Doe’s right, on Jane Doe’s behalf)
to pursue negligence claims against the Club related to the risk that
a Club employee would sexually abuse Jane Doe. We conclude that
the provision does not bar these claims because it does not express
the parties’ intention to waive such claims in clear, unambiguous,
3 In the context of a parent’s purported waiver of a child’s claims,
the General Assembly has prescribed an additional requirement.
See Wycoff v. Grace Cmty. Church of Assemblies of God, 251 P.3d
1260, 1264 (Colo. App. 2010). Section 13-22-107(3), C.R.S. 2022,
provides that “[a] parent of a child may, on behalf of the child,
release or waive the child’s prospective claim for negligence.” But
see § 13-22-107(4) (“Nothing in this 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.”). To be valid and enforceable, however,
the parent’s decision to sign a waiver must be “voluntary and
informed.” § 13-22-107(1)(a)(V). Because the Does rely primarily
on the test from Jones v. Dressel, 623 P.2d 370, 376 (Colo. 1981),
and the application of that test is sufficient to resolve this appeal,
we do not address whether the exculpatory provision runs afoul of
section 13-22-107(1)(a)(V).
8
and unequivocal language. Therefore, with respect to these claims,
the exculpatory provision is not enforceable.
¶ 16 Because the Does contend only that the provision fails to
satisfy the fourth Jones factor, we confine our analysis to that
factor. See Jones, 623 P.2d at 376. To reiterate, when determining
the validity of an exculpatory agreement under the fourth Jones
factor, we must closely scrutinize “the agreement to ensure that the
intent of the parties is expressed in clear, unambiguous, and
unequivocal language.” Stone, ¶ 14; see Chadwick, 100 P.3d at
467. The question is not whether a detailed textual analysis would
lead a court to determine that the language, even if ambiguous,
would ultimately bar the plaintiff’s claims. Stone, ¶ 22. Instead, we
examine the “actual language of the agreement for legal jargon,
length and complication, and any likelihood of confusion or failure
of a party to recognize the full extent of the release provisions.”
Chadwick, 100 P.3d at 467.
¶ 17 The exculpatory provision in this case begins by
acknowledging that “athletic activities and the use of the Club may
result in personal injuries, including serious bodily injury or death.”
The provision then identifies the “risks of injuries” that the signer
9
“assume[s]” — those “associated with the use of the Club’s athletic
facilities, including any athletic activities, showers, steam rooms, or
other Club usage.” The ensuing waiver and release of claims
correspond to those assumed risks:
I agree, waive, and release [the Club Parties]
from any and all claims, damages, liabilities,
expenses, and costs arising out of, or relating
to (a) the negligence of [the Club], its owners,
managers, and employees, (b) any another
member’s [sic], guest’s or invitee’s conduct,
(c) the condition of [the Club’s] facilities, or
(d) my or my Guests’ use of [the Club’s]
facilities and activities, including without
limitation, my or my Guests’ use of [the Club’s]
parking lot, athletic facilities, athletic
equipment, pool, sauna, steam room, showers,
or any other facilities and activities associated
with [the Club].
¶ 18 When read as a whole, the “dominant focus” of the exculpatory
provision is on the risks of athletic activities associated with the use
of the Club’s facilities. Stone, ¶ 27. The provision makes no
mention of the risk of sexual assault or of activities raising such a
risk. Although a release “need not contain any magic words to be
valid,” it must contain “some reference to waiving personal injury
claims based on the activity being engaged in.” Wycoff v. Grace
Cmty. Church of Assemblies of God, 251 P.3d 1260, 1265 (Colo.
10
App. 2010) (emphasis added). On its face, the exculpatory provision
does not indicate that the signer releases claims associated with
sexual abuse or with the Club’s alleged negligence in failing to
protect its members from sexual abuse by its employees.
¶ 19 Even so, the Club argues that the provision’s reference to “any
and all claims,” including those related to its “negligence,”
necessarily encompasses the type of claims alleged here. The Club
says this reference is dispositive because all of Mother Doe’s claims
are rooted in negligence theories. We cannot, however, consider the
reference to negligence in isolation from the rest of the agreement.
As noted, we must examine the agreement as a whole to assess
whether it creates reflects a “likelihood” that a party would fail to
recognize that the release provision extended to Mother Doe’s
particular claims. See Chadwick, 100 P.3d at 467.
¶ 20 The relevant case law illustrates this point. For instance, in
the seminal Jones case, the supreme court considered a plaintiff
who was injured during a skydiving trip when the airplane crashed.
See 623 P.2d at 372-73. Before the trip, the plaintiff had signed an
agreement releasing the defendant, the skydiving facilities operator,
from “any and all liability [and] claims,” including those resulting
11
from the defendant’s “negligence.” Id. at 372. The plaintiff sued the
defendant, alleging negligence as the cause of the crash. See id. at
373. The supreme court concluded that the exculpatory agreement
clearly and unambiguously expressed the parties’ intention to
release the defendant from the plaintiff’s claim. See id. at 378. But
the court did not rely solely on the fact that the agreement “used
the word ‘negligence.’” Id. Instead, the court also emphasized that
the agreement “specifically included injuries sustained ‘while upon
the aircraft of the [defendant].’” Id. In other words, the agreement
referred to the type of injury (and risk of injury) at issue in the
plaintiff’s claim.
¶ 21 Similarly, in Wycoff, a child attending a church-sponsored
event was injured while being pulled behind an all-terrain vehicle
on an inner tube over a frozen lake. 251 P.3d at 1264. Although
an exculpatory agreement signed by the child’s mother said the
child would participate in “all activities associated with” the event,
the agreement did not describe those activities and “certainly d[id]
not suggest” the particular activity that led to the child’s injuries.
Id. The division concluded that the agreement did “not pass muster
. . . under Jones” because it did not provide information allowing
12
the mother “to assess the degree of risk and the extent of possible
injuries from any activity.” Id. at 1265.
¶ 22 Other Colorado decisions confirm that a court must consider
the entire agreement — including its description of the risks
assumed and the activities envisioned — when assessing whether
the parties’ intent to extinguish liability for the claim at issue was
clearly, unambiguously, and unequivocally expressed. See
Chadwick, 100 P.3d at 468-69 (considering the entire agreement
and concluding that, although it did not use the term “negligence,”
the agreement’s applicability depended on “whether [the plaintiff]
was injured while participating in the activities described in the
contract”); Heil, 784 P.2d at 784 (explaining that, while the release
did not mention “negligence,” the release “specifically addressed a
risk that adequately described the circumstances of [the plaintiff’s]
injury”); Redden, ¶¶ 27-34 (looking beyond the agreement’s
reference to “negligence” and noting that the agreement
unambiguously encompassed the specific risk at issue).
¶ 23 In particular, and in respectful disagreement with the district
court, we find the reasoning of the Stone decision instructive here.
In Stone, ¶ 3, a member of a fitness club tripped on a blow dryer
13
cord that hung to the floor beneath a sink in the club’s locker room.
The division concluded that the exculpatory clause in the
membership agreement did not clearly and unambiguously apply to
the member’s PLA claim against the club. Id. at ¶ 13. The division
reached this conclusion even though the exculpatory clause
expressly included the member’s waiver of any and all claims
“resulting from the negligence” of the club. See id., app. at 2.
Rather than focus solely on this aspect of the membership
agreement, the division considered the agreement as a whole.
¶ 24 The Stone division explained that the agreement (1) was
written in dense fine print; (2) was replete with legal jargon;
(3) referred to unidentified “chapters,” which made it “ambiguous
and confusing”; (4) focused on the risks associated with exercise
and the use of exercise equipment, not on the risks associated with
use of the locker room; (5) used the phrase “inherent risk of injury”
in the assumption of the risk section, which traditionally
“address[es] waivers of liability only for activities that are dangerous
or potentially dangerous”; (6) contained a “release of liability”
provision whose scope could be determined only by reference to the
assumption of risk clause; and (7) repeatedly used the phrases
14
“includes, but is not limited to,” “including and without limitation,”
as well as simply “including,” which appellate courts had
interpreted to have conflicting meanings. Id. at ¶¶ 24-33.
¶ 25 Several of the circumstances present in Stone are present in
this case. First, the membership agreement, including the
exculpatory provision, is written in very dense fine print. See also
Monitronics Int’l, Inc. v. Veasley, 746 S.E.2d 793, 802-03 (Ga. Ct.
App. 2013) (concluding that, because an exculpatory clause was not
explicit and prominent, it did not bar a homeowner’s negligence
claim against her home security company related to her sexual
assault by an intruder). Second, the agreement uses much of the
same legal jargon used in the agreement at issue in Stone:
“subsidiaries, assigns, successors”; “including without limitation”;
“I assume all risks of injuries”; and “I agree to indemnify and
defend” the Club. As indicated in Stone, ¶ 25, “The use of such
technical legal language militates against the conclusion that the
release of liability was clear and simple to a lay person.”
¶ 26 Third, the exculpatory provision focuses on the risks of
engaging in athletic activities and using the Club’s athletic facilities.
Hence, a lay person could sensibly conclude that the provision
15
released only those claims associated with these “types of risks.”
Id. at ¶ 27. Indeed, as in Stone, the exculpatory provision here
followed a clause that advised members to “consult with a physician
prior to engaging in exercise,” further evincing an intention to
encompass claims related to injuries arising out of strenuous
exercise and exercise equipment. See id.4
¶ 27 Fourth, the exculpatory provision here used both “including
without limitation” and “including” — which, as the Stone division
explained, left the reader “to guess whether the phrases have
different meanings” and was ambiguous in light of conflicting
appellate decisions on whether such phrases are expansive or
restrictive. Id. at ¶ 32; compare Maehal Enters., Inc. v. Thunder
Mountain Custom Cycles, Inc., 313 P.3d 584, 590 (Colo. App. 2011)
(declining to treat the phrase “including, but not limited to” as
restrictive), with Ridgeview Classical Schs. v. Poudre Sch. Dist., 214
P.3d 476, 483 (Colo. App. 2008) (concluding that this phrase did
not exempt the statute from the limiting rule of ejusdem generis).
4We acknowledge that, unlike the agreement in Stone v. Life Time
Fitness, Inc., 2016 COA 189M, ¶ 33, the exculpatory provision here
also referred to the risks of using showers and steam rooms. Still,
we find Stone’s analysis useful overall.
16
Like in Stone, this ambiguity — expansive versus restrictive — is
“critical” because nothing in the membership agreement refers to
risks of being sexually abused by an employee or the Club’s
negligence leading to such abuse. Stone, ¶ 33 (reasoning that this
ambiguity was “critical because nothing in the Agreement refers to
risks of using sinks or locker rooms”).
¶ 28 Considering these circumstances in combination, we conclude
that the exculpatory provision in this case created a substantial
likelihood that a reader would fail to recognize the full extent of the
release provision — specifically, that it could apply to the risk of a
Club employee’s sexual abuse of a Club member due, in part, to the
Club’s alleged negligence or failure to exercise reasonable care. See
id. at ¶ 35. Relatedly, while we recognize that the exculpatory
provision released claims based on use of the Club and “activities
associated with” the Club, we reject the notion that the sexual
abuse was an activity associated with the Club’s tennis coaching
services.
¶ 29 Consequently, the membership agreement (1) does not clearly,
unambiguously, and unequivocally bar Mother Doe’s negligence
and PLA claims against the Club based on Jane Doe’s alleged
17
injuries sustained as a result of a Club employee’s sexual abuse;
and (2) is not valid as applied to those claims. See id. at ¶ 2; see
also Wycoff, 251 P.3d at 1265 (“The form is legally insufficient to
release plaintiff’s personal injury claims.”).
III. The Club’s Alternative Argument to Affirm
¶ 30 In the event we conclude, as we have, that the exculpatory
provision does not bar Mother Doe’s claims, the Club asks us to
affirm the summary judgment nonetheless because the claims fail
on the merits. The district court did not reach this issue. So our
reversal of the judgment does not mean that the Club must
necessarily go to trial on Mother Doe’s claims; rather, the court on
remand may address the Club’s alternative argument for summary
judgment. If the district court grants summary judgment on that
ground, this court could then review that ruling, with the benefit of
the district court’s reasoning, if a party seeks review.
¶ 31 Therefore, although cognizant that an appellate court
ordinarily may affirm on any ground supported by the record,
Taylor v. Taylor, 2016 COA 100, ¶ 31, we decline to consider the
Club’s alternative argument for summary judgment in the first
instance. See Colo. Pool Sys., Inc. v. Scottsdale Ins. Co., 2012 COA
18
178, ¶ 51 (declining to consider alternative ground for summary
judgment “because the trial court did not consider [that ground] in
its order granting summary judgment” (citing Greystone Constr.,
Inc. v. Nat’l Fire & Marine Ins. Co., 661 F.3d 1272, 1290 (10th Cir.
2011) (“[T]he better practice on issues raised [below] but not ruled
on by the district court is to leave the matter to the district court in
the first instance.”) (citation omitted))); Estes Park Chamber of Com.
v. Town of Estes Park, 199 P.3d 11, 15-16 (Colo. App. 2007)
(remanding for further proceedings, including the district court’s
assessment of whether material facts were undisputed and whether
summary judgment was appropriate). After all, we are a court of
review, not of first view. See PDR Network, LLC v. Carlton & Harris
Chiropractic, Inc., ___ U.S. ___, ___, 139 S. Ct. 2051, 2056 (2019).
IV. Costs Order
¶ 32 Because we reverse the summary judgment, we vacate the
order requiring Mother Doe to pay costs.
V. Conclusion
¶ 33 The judgment is reversed, the costs order is vacated, and the
case is remanded for further proceedings consistent with this
opinion.
19
JUDGE WELLING and JUDGE JOHNSON concur.
20