3 HRs Emerging Risks and Specialty Coverages - Arizona

3 HRs Emerging Risks and Specialty Coverages - Arizona

✅ Approved by Arizona Department of Insurance and Financial Institutions | Provider #500032084 | Course #6000223504 | Only $15.99 | Instant Emailed Certificate | 100% Online & Self-Paced

Earn 3 approved continuing education hours toward your Arizona insurance producer renewal with an online course approved by the Arizona Department of Insurance and Financial Institutions, for only $15.99. The course is fully online and self-paced, so you can enroll and work through it on your own schedule.

Log in and out as often as you like without losing your progress. When you finish, your certificate is emailed to you immediately, and 1st Choice CE reports approved completions to Arizona. Every course is backed by our money-back guarantee, and support is available by phone or text at 1-800-698-2770.

✅ Course Details

• Course Name: 3 HRs Emerging Risks and Specialty Coverages - Arizona
• Approved By: Arizona Department of Insurance and Financial Institutions
• Provider Number: 500032084
• Course Number: 6000223504
• Course Length: 3 credit hours
• Course Category: Property And Casualty
• Course Format: 100% online, self-paced
• Price: $15.99
• Certificate: Emailed immediately upon completion
• Reporting: 1st Choice CE reports approved completions to Arizona
• Support: Phone or text 1-800-698-2770

✅ Who Should Take This Course?

• Arizona licensed resident insurance producers renewing a license with property and casualty authority
• Producers who need 3 approved hours toward the 48-hour Arizona requirement
• Agents who want current, practical knowledge of these coverages — not filler credit
• New producers building a working foundation in this coverage area
• Experienced agents refreshing before a renewal deadline
• Agency staff who support producers and want the same technical grounding

✅ Does This Course Satisfy the State Requirement?

This course provides 3 approved credit hours toward the 48-hour Arizona continuing education requirement. It does not by itself satisfy the full renewal requirement, and it does not satisfy the 6-hour ethics requirement. Arizona requires 48 hours over a four-year license period — substantially more than most states — so plan the full period rather than assuming a 24-hour cycle.

✅ Arizona Continuing Education Requirements

Arizona is the outlier among producer CE states, and getting the math wrong is expensive. Arizona licenses run on a four-year cycle rather than the usual two, and A.R.S. § 20-2902 requires at least 48 credit hours, including at least 6 credit hours of ethics training, for each license period. That is roughly double what a producer in a neighboring state completes, so agents who plan on a two-year rhythm routinely arrive at renewal short. Arizona also treats its ethics minimum as 6 hours, not 3, and courses may not simply be repeated to fill the total.

• 48 credit hours of Arizona-approved continuing education per four-year license period
• At least 6 of those hours must be ethics training — double the 3-hour minimum most states use
• The license period is four years: individual licenses expire on the last day of the licensee's birth month, three to four years after issuance or renewal
• Renewal requires evidence of CE compliance along with the application and the quadrennial fee
• A license that lapses may be renewed within one year by paying the quadrennial fee plus a $100 late fee; after that it is treated as a new application
• Producers continuously licensed in Arizona since January 1, 1995 who have never held a non-resident license and have never been disciplined are exempt from the CE requirement

How this course helps: This 3-hour course provides 3 approved credit hours toward the 48 hours Arizona requires for each four-year license period. It applies as general credit and does not satisfy the separate 6-hour ethics requirement, so at least 45 additional hours — including your 6 ethics hours — must be completed separately.

✅ When Do Licensees Renew?

Arizona insurance producer licenses expire quadrennially. For an individual, the license expires on the last day of the licensee's birth month, between three and four years after the license was issued or last renewed; business entity licenses expire exactly four years after issuance or renewal. To renew before expiration you submit the renewal application, the prescribed fee, and evidence that you have complied with the continuing education requirement. If the license does expire, you have one year to renew by paying the quadrennial fee plus a $100 late fee — after that window an application is treated as a new license rather than a renewal.

✅ How to Renew Your License

Step 1: Confirm your expiration date and count your period correctly

Arizona licenses expire quadrennially on the last day of your birth month. Work out the full four-year window, not a two-year one.

Step 2: Check your posted hours against 48, including 6 ethics

Pull your CE record and compare it to the full 48-hour requirement. This is where most Arizona producers discover a gap.

Step 3: Fill the ethics gap first

Arizona requires 6 ethics hours, not 3. Ethics-approved courses are the constraint most likely to be short, so book them early.

Step 4: Complete the remaining general hours

Finish the balance of the 48 hours with Arizona-approved courses. Courses may not simply be repeated to pad the total.

Step 5: Allow reporting time before you renew

Give the provider time to report and the record time to update before you submit the renewal application.

Step 6: Submit the renewal application and pay the quadrennial fee

Renew before the expiration date, providing evidence of CE compliance with the application and fee.

Step 7: Verify the license is active and save your certificates

Confirm the record shows an active license with a new expiration date, and keep your certificates on file.

✅ What You Will Learn

• How cyber liability, data breach and technology E&O exposures are underwritten and priced
• Where standard property and liability forms leave gaps that specialty markets are built to fill
• How climate-driven catastrophe exposure is changing capacity, deductibles and policy language
• When to place a risk in the surplus lines market and what that changes for the insured
• How gig-economy, short-term rental and drone exposures fall outside personal lines forms
• Practical account-review questions that surface uncovered emerging exposures

✅ Course Content Overview

Hour 1 – Cyber Liability Insurance Essentials for Modern Businesses

Cyber exposures traditional property and casualty forms were never written to insure, and what a cyber policy actually pays. Covers the core first-party and third-party coverage parts, the policy mechanics that decide whether a claim is paid — retentions, waiting periods, sublimits and the difference between a claims-made and an occurrence trigger — and the underwriting questions and security controls that now determine whether a risk is quotable at all.

Hour 2 – Rideshare and On-Demand Delivery Coverage Gaps and Solutions

The on-demand economy exposure and why it does not fit the personal auto policy. Works through the limitations of the personal auto form and the exact points at which coverage lapses between logging on, accepting a ride and completing a delivery, then reviews the solutions available — platform-provided coverage, rideshare endorsements and commercial auto — applied to scenario-based examples an agent will recognize from a real client conversation.

Hour 3 – InsurTech Trends and Climate-Related Specialty Market Impacts

How telematics, AI-assisted rating and automated claims handling are reshaping underwriting, and the consumer and compliance considerations that come with them. Covers the catastrophe and climate pressures now driving capacity, deductible structures and pricing in specialty property, and the placement concepts an agent needs when a risk moves toward the surplus lines market.

✅ Other Arizona Insurance CE Courses & Packages

Save with a package – everything in one purchase:

• 48-Hour Arizona Insurance CE Package – $119.99

Individual Arizona insurance CE courses:

• 3 Hour Ethics for Insurance Agents - Arizona – $15.99
• 3 HRs Inland Marine and Specialty Property Coverages - Arizona – $15.99
• 3 HRs Insurance Ethics: Professional Duties, Decision-Making and Accountability - Arizona – $15.99
• 3 Hrs Insurance Fraud and Claims Handling (P&C Focus) - Arizona – $15.99
• 3 HRs Workers Compensation Essentials - Arizona – $15.99
• 3-Hour Flood Insurance (NFIP) - Arizona – $15.99
• 4 HRs Commercial Lines Insurance Essentials - Arizona – $15.99
• 4 HRs Health Insurance and Affordable Care Act Updates - Arizona – $15.99
• 4 HRs Homeowners Insurance Overview - Arizona – $15.99
• 4 HRs Medicare Advantage and Part D Update - Arizona – $15.99
• 4 Hrs Ongoing Long-Term Care Insurance Partnership Training - Arizona – $15.99
• 4 HRs Personal Auto and Umbrella Insurance - Arizona – $15.99
• 4-Hour Annuity Best Interest/Suitability - Arizona – $15.99
• 5 HRs Life Insurance Products and Retirement Planning - Arizona – $15.99
• 8 Hours Initial Long-Term Care Insurance Partnership Training - Arizona – $29.99

All courses are Arizona-approved, 100% online and self-paced, with your certificate emailed as soon as you finish. Questions? Call or text 1-800-698-2770.

✅ Why Choose 1st Choice CE?

• Approved by the Arizona Department of Insurance and Financial Institutions — provider #500032084
• Affordable at $15.99 with no hidden fees
• 100% online and self-paced — log in and out anytime without losing progress
• Instant emailed certificate the moment you finish
• We report approved completions to Arizona
• Money-back guarantee
• Over 10 years of continuing education experience
• Support by phone or text at 1-800-698-2770

✅ Enroll Now

Enroll in 3 HRs Emerging Risks and Specialty Coverages - Arizona today for $15.99. The course is fully online and self-paced, your certificate is emailed the moment you finish, and every enrollment is backed by our money-back guarantee. Questions? Call or text 1-800-698-2770.