24-Hour Property & Casualty CE Package – Colorado

✅ 24-Hour Property & Casualty CE Package – Colorado

✅ Approved by Colorado Division of Insurance | Provider #236323 | Includes 7 Approved Courses | All 24 Required Hours | Only $54.99 | Instant Emailed Certificates | 100% Online & Self-Paced

Complete your entire Colorado producer renewal — all 24 credit hours, including the 3 required ethics hours and the 3 hours of homeowner's insurance coverage Colorado requires of property and personal lines producers — in one approved package for $54.99. Every course is approved by the Colorado Division of Insurance under provider #236323.

All 7 courses are 100% online and self-paced. Log in and out as often as you need without losing progress, take them in any order, and finish over as many sittings as you like. A certificate is emailed to you the moment you complete each course, and 1st Choice CE reports your completions. Mississippi renewals themselves are submitted online through Sircon or NIPR.

✅ What Is Included

• 3 Hour Ethics for Insurance Agents — 3 hours — Colorado course #67059 — Ethics category
• 3-Hour Flood Insurance (NFIP) — 3 hours — Colorado course #67057 — Property & Casualty category
• 3 HRs Emerging Risks and Specialty Coverages — 3 hours — Colorado course #67726 — Property & Casualty category
• 3 Hrs Insurance Fraud and Claims Handling (P&C Focus) — 3 hours — Colorado course #67728 — Property & Casualty category
• 4 HRs Commercial Lines Insurance Essentials — 4 hours — Colorado course #67729 — Property & Casualty category
• 4 HRs Personal Auto and Umbrella Insurance — 4 hours — Colorado course #67727 — Property & Casualty category
• 4 HRs Homeowners Insurance Overview — 4 hours — Colorado course #67730 — Homeowners category

Total: 24 hours, including the 3 required ethics hours.

✅ Package Details

• Package name: 24-Hour Property & Casualty CE Package – Colorado
• Approved by: Colorado Division of Insurance
• Provider number: 236323
• Courses included: 7, each separately approved — #67059, #67057, #67726, #67728, #67729, #67727, #67730
• Total length: 24 hours
• Ethics hours included: 3
• Course format: 100% online, self-paced
• Price: $54.99 (the 7 courses cost $111.93 bought separately, a saving of $56.94)
• Certificates: emailed immediately after each course
• Reporting: 1st Choice CE reports your completions
• Approval active through: 08-31-2029 for the five newly approved courses; 12-31-2028 for the ethics and flood courses
• Colorado requirement covered: the 3-hour homeowner's insurance requirement under C.R.S. § 10-2-301, via the 4-hour Homeowners course approved in the Homeowners category
• Page URL: https://1stchoice-ce.com/courses/checkout/colorado/24-hr-property-casualty-insurance-ce-package-colorado/
• Support: call or text 1-800-698-2770

✅ Who Should Take This Package?

• Colorado resident insurance producers licensed in property or personal lines
• Producers who need the 3-hour homeowner's insurance requirement covered along with everything else
• Personal lines producers writing homeowners, auto, and flood
• Producers writing small commercial accounts
• Producers who want the ethics hours and the full 24-hour total handled in one purchase
• Producers who would rather not track seven separate course purchases before a continuation date

✅ Does This Package Satisfy the State Requirement?

On hours, yes. Colorado producers complete 24 credit hours of approved continuing education biennially, three of which must be in ethics. This package provides all 24 and includes the 3 ethics hours.

It also covers the requirement most packages miss. Under C.R.S. § 10-2-301 and Division Regulation 1-2-04, every producer licensed to sell property or personal lines insurance must complete three hours of continuing education on homeowner's insurance coverage. The 4 HRs Homeowners Insurance Overview in this package is approved by the Division in the Homeowners category, so that carve-out is covered too — with an extra hour beyond the minimum.

Confirm your own licensing continuation date before you buy. Colorado measures the 24-month period from the date your license renews, not from a statewide calendar deadline.

✅ Colorado Continuing Education Requirements

Every producer licensed in Colorado completes 24 credit hours of approved continuing education biennially, and at least three of those hours must be in ethics. Colorado adds a requirement most states do not: under C.R.S. § 10-2-301 and Division of Insurance Regulation 1-2-04, all producers licensed to sell property or personal lines insurance must also complete three hours of continuing education on homeowner's insurance coverage. That is a separate carve-out from the ethics hours, and a general property course does not satisfy it.

• 24 credit hours of approved courses biennially
• 3 of the 24 must be in ethics
• 3 of the 24 must be in homeowner's insurance coverage for producers licensed to sell property or personal lines
• Up to 12 carryover hours may be accumulated during the 120 days before the licensing continuation date, and applied to the next period
• Self-study courses must include an examination that is closed-book and personally monitored by a disinterested third party
• Only courses approved by the Colorado Division of Insurance count toward the requirement

Colorado measures the compliance period from your own license dates. C.R.S. § 10-2-301 requires the hours to be completed within 24 months after the date the producer's license renews, and where a producer holds more than one license, within 24 months after the renewal date of the first license. For good cause the commissioner may grant an extension of up to one additional year. Check your own license record before assuming a particular deadline applies to you.

How this package helps: This package provides all 24 credit hours a Colorado producer must complete biennially, including the 3 required ethics hours. It also satisfies the 3-hour homeowner's insurance requirement that applies to property and personal lines producers, because the 4-hour Homeowners course inside it is approved by the Division in the Homeowners category. Both Colorado carve-outs and the full hour total are covered in one purchase. Note the carryover limit: no more than 12 hours roll forward, and only hours earned in the 120 days before your continuation date qualify.

✅ When Do Licensees Renew?

Colorado producer licenses run on a biennial continuing education period tied to your licensing continuation date rather than a statewide calendar deadline. The carryover rule is narrow and worth planning around: no more than 12 hours may be carried forward, and only hours earned in the 120 days before the continuation date qualify. Hours earned earlier than that window do not roll forward, so finishing very early satisfies the current period without building any cushion for the next one. Providers file attendance and completion records with the Continuing Education Administrator at least monthly, and must give you documentation of completion within seven days of finishing a course.

✅ How to Renew Your License

1. Confirm your licensing continuation date — Your 24-month compliance period runs from your own license renewal date. Look it up on your license record rather than assuming a calendar deadline.
2. Check whether the homeowner's requirement applies to you — If you are licensed to sell property or personal lines insurance, three of your 24 hours must be in homeowner's insurance coverage. Verify that specifically — it is easy to miss.
3. Complete 24 approved credit hours, including 3 in ethics — Only courses approved by the Colorado Division of Insurance count. Confirm the ethics hours separately from the general hours.
4. Arrange the monitored self-study examination — Regulation 1-2-04 requires a self-study examination to be closed-book and personally monitored by a disinterested third party. Set that up before your deadline, not after.
5. Allow provider reporting time — Sponsors file completion records at least monthly and must give you documentation within seven days. Do not leave coursework to the final days of your period.
6. Renew and verify — Submit the renewal, then check your license record afterward to confirm an active status and an updated continuation date.

✅ What You Will Learn

• Apply the duties an agent owes the client, the insurer, and the public, and recognize where those duties conflict
• Work through suitability, disclosure, and replacement standards using realistic client scenarios
• Explain what the National Flood Insurance Program covers, what it excludes, and how the waiting period affects a sale
• Read a flood zone determination and set accurate expectations on building and contents coverage limits
• Identify the cyber exposures — data breach, ransomware, social engineering — that traditional property and casualty forms were never written to cover
• Explain rideshare and on-demand delivery coverage gaps, including app-on and app-off periods and livery exclusions
• Recognize the auto and property claim fraud patterns that most often reach an agency, and document a concern without accusing a client
• Walk a client through the claims lifecycle and apply fair claims handling principles that reduce complaints
• Read a commercial property policy correctly and apply coinsurance and valuation so limits hold up at claim time
• Explain CGL coverage triggers, the occurrence versus claims-made distinction, and the exclusions that cause most disputes
• Apply personal auto definitions, liability limits, and permissive use correctly, and compare UM/UIM, PIP, and Medical Payments
• Explain how a personal umbrella sits over auto and home, why underlying limits matter, and when it will not respond
• Walk a client through homeowners policy forms, Coverages A through F, and the exclusions that create avoidable disputes
• Explain wind, hail, and hurricane deductibles, loss settlement rules, and coastal windstorm placement honestly

✅ Course Content Overview

3 Hour Ethics for Insurance Agents — 3 hours, Colorado course #67059

• Apply the duties an agent owes the client, the insurer, and the public, and recognize where those duties conflict
• Work through suitability, disclosure, and replacement standards using realistic client scenarios

3-Hour Flood Insurance (NFIP) — 3 hours, Colorado course #67057

• Explain what the National Flood Insurance Program covers, what it excludes, and how the waiting period affects a sale
• Read a flood zone determination and set accurate expectations on building and contents coverage limits

3 HRs Emerging Risks and Specialty Coverages — 3 hours, Colorado course #67726

• Hour 1: Cyber Liability Insurance Essentials for Modern Businesses — introduce cyber exposures (data breach, ransomware, social engineering, and third-party liability) to explain why these losses often fall outside traditional P&C policy intent.
• Hour 2: Rideshare and On-Demand Delivery Coverage Gaps and Solutions — define the on-demand economy exposure to show how “business use” can create coverage gaps when drivers transport people or goods under app-based platforms.
• Hour 3: InsurTech Trends and Climate-Related Specialty Market Impacts — review InsurTech and modern underwriting tools (telematics, automated data enrichment, AI-assisted rating, and digital claims) to explain how eligibility decisions and pricing are increasingly data-driven.

3 Hrs Insurance Fraud and Claims Handling (P&C Focus) — 3 hours, Colorado course #67728

• Hour 1: Fraud Fundamentals and Common P&C Fraud Schemes — introduce the purpose of antifraud efforts and define key fraud concepts (material misrepresentation, intent, and loss causation) in the context of P&C insurance.
• Hour 2: Claims Handling Best Practices, Ethics, and Client Assistance Boundaries — outline the standard claims lifecycle (notice of loss, investigation, coverage review, valuation, settlement, and dispute pathways) so agents can set realistic expectations without overpromising outcomes.
• Hour 3: Practical Case Studies, Fair Claims Practices, and Risk Control — use case studies to distinguish legitimate losses from suspicious patterns, focusing on consistency of facts, loss timing, and supporting documentation.

4 HRs Commercial Lines Insurance Essentials — 4 hours, Colorado course #67729

• Hour 1: Commercial Property Insurance Essentials — introduce commercial property policy structure to explain who is insured, what property is covered (building vs. business personal property), and how coverage applies at described locations.
• Hour 2: Commercial General Liability and Common Liability Exposures — review CGL coverage triggers and insuring agreements to clarify what “bodily injury,” “property damage,” and “personal and advertising injury” mean in real claims.
• Hour 3: Commercial Auto Basics and Coverage Applications — introduce commercial auto policy structure and covered auto concepts to clarify ownership, scheduling, symbols at a high level, and how business use differs from personal auto exposures.
• Hour 4: Workers’ Compensation, Risk Transfer, and Compliance Habits — introduce workers’ compensation fundamentals to explain the exclusive-remedy concept, benefits categories, and why this line differs from general liability in both intent and operation.

4 HRs Personal Auto and Umbrella Insurance — 4 hours, Colorado course #67727

• Hour 1: Personal Auto Policy Foundations and Liability Coverage — review personal auto policy structure and key definitions to clarify who is insured, what vehicles are covered, and how coverage applies based on ownership and use.
• Hour 2: First-Party Auto Coverages—UM/UIM, PIP/MedPay, and Physical Damage — review UM/UIM coverage to clarify how it responds when the at-fault driver is uninsured or underinsured, including typical documentation and settlement considerations.
• Hour 3: Endorsements, Special Exposures, and Policy Customization — review common endorsements (rental reimbursement, towing/labor, custom equipment, gap-style concepts where applicable) to show how policy options address predictable out-of-pocket losses.
• Hour 4: Personal Umbrella Liability—How It Works, When It Responds, and Compliance — introduce umbrella policy fundamentals to explain what “excess” and “broader coverage” mean, how umbrellas typically sit over auto/home, and why underlying limits matter.

4 HRs Homeowners Insurance Overview — 4 hours, Colorado course #67730

• Hour 1: Homeowners Policy Forms and Coverage Structure — introduce homeowners policy forms and common dwelling policy structures to clarify how policy form selection drives covered property, covered losses, and underwriting expectations.
• Hour 2: Perils, Exclusions, Deductibles, and High-Impact Endorsements — review perils insured and major exclusions to distinguish named-peril vs. open-peril concepts and to prevent misrepresentation of what is and is not covered.
• Hour 3: Loss Settlement, Claims Handling, and Risk Management for Homes — review loss settlement basics (ACV vs. replacement cost, depreciation, and documentation expectations) to explain how claim payments are determined and why disputes arise.
• Hour 4: Regional Market Realities, Coastal Windstorm Placement, and Compliance Expectations — review current homeowners market trends (rate pressure, tighter underwriting, higher deductibles, and coverage limitations) to keep agents current on what consumers are encountering.

✅ Other Related Courses

• 4-Hour Annuity Best Interest/Suitability – $15.99
• 5 HRs Life Insurance Products and Retirement Planning – $15.99
• 4 HRs Medicare Advantage and Part D Update – $15.99
• 4 HRs Health Insurance and Affordable Care Act Updates – $15.99

The 7 courses inside this package are listed under What Is Included above.

✅ Why Choose 1st Choice CE?

• Approved provider and 7 approved courses in Colorado
• All 24 required hours in one purchase at $54.99, versus $111.93 buying separately
• No ancillary or per-student fees
• 100% online and self-paced
• Log in and out anytime without losing progress
• Instant emailed certificate after each course
• Completions reported to Colorado
• Money-back guarantee
• Over 10 years of continuing education experience
• Support by phone or text at 1-800-698-2770

✅ Enroll Now

Finish your entire Colorado renewal today for $54.99.

Enroll in the 24-Hour Property & Casualty CE Package – Colorado

Questions first? Call or text 1-800-698-2770.

✅ Frequently Asked Questions

Does this package complete my Colorado renewal?

On hours, yes. Colorado producers complete 24 credit hours biennially including 3 in ethics, and this package provides all 24 with the ethics hours included.

Does it cover the 3-hour homeowner's insurance requirement?

Yes. That is the part most packages miss. C.R.S. § 10-2-301 and Regulation 1-2-04 require producers licensed to sell property or personal lines insurance to complete 3 hours on homeowner's insurance coverage. This package includes the 4 HRs Homeowners Insurance Overview, approved by the Division in the Homeowners category (course #67730) - so it satisfies the ethics carve-out, the homeowner's carve-out, and the full 24-hour total in one purchase.

Is every course in the package approved in Colorado?

Yes. All 7 are approved under provider #236323: #67059, #67057, #67726, #67728, #67729, #67727, #67730.

Does it include the required ethics hours?

Yes. The 3 Hour Ethics for Insurance Agents course is included.

How much do I save versus buying the courses separately?

The 7 courses cost $111.93 separately. The package is $54.99, so you save $56.94.

Are there any additional or hidden fees?

No. $54.99 is the total. There are no ancillary or per-student fees.

Is the package online?

Yes. All 7 courses are 100 percent online and self-paced. Take them from any device with an internet connection.

Do I have to take the courses in order?

No. Work through them in whatever order suits you, and finish over as many sittings as you like.

Can I log out and come back later?

Yes. Your progress is saved in every course, and you resume where you stopped.

How do I get my certificates?

A certificate is emailed to you as soon as you complete each course.

Is there an exam requirement?

Yes. Regulation 1-2-04 requires a self-study examination to be closed-book and personally monitored by a disinterested third party. Call or text 1-800-698-2770 and we will walk you through it.

Can I carry extra hours forward?

Colorado allows a maximum of 12 carryover hours, and only hours earned during the 120 days before your licensing continuation date qualify.

How is my completion reported?

1st Choice CE files attendance and completion records with the Colorado Continuing Education Administrator at least monthly, and gives you documentation within seven days of each course.

When is my renewal due?

Colorado runs a biennial period ending 24 months after your license renews. Confirm your licensing continuation date on your license record.

Is there a money-back guarantee?

Yes. If the package is not what you expected, contact us at 1-800-698-2770.