Course Description

✅ Florida 20-Hour General Lines & Personal Lines Insurance CE Package

Includes Florida DFS-Approved Courses | Provider #374697 ✅
Only $34.99 | No Added Fees | All Reporting Fees Included

Complete your Florida insurance continuing education with one affordable 20-hour online package designed for eligible General Lines and Personal Lines agents who have been licensed for six years or more.

This complete Florida insurance CE package combines the required 4-Hour Law & Ethics Update for General Lines under CE 5-220 with 16 hours of practical elective education. The included courses cover automobile insurance and Florida PIP, homeowners and residential property insurance, commercial property and general liability, errors and omissions, agency risk management, Florida insurance laws, ethical responsibilities, claims, underwriting, and client service.

The package is 100% online and self-paced. You can log in and out at any time without losing your progress, receive an instant emailed certificate after completion, and have your course credits reported to Florida DFS within 24 hours.

✅ A Complete 20-Hour Florida Insurance CE Package

This package includes five Florida DFS-approved courses totaling exactly 20 hours:

✅ 4-Hour Law & Ethics Update — General Lines, CE 5-220

✅ 4-Hour Automobile Insurance & PIP No-Fault

✅ 4-Hour Homeowners & Residential Property Insurance

✅ 4-Hour Commercial Property & General Liability Insurance

✅ 4-Hour Errors & Omissions and Agency Risk Management

Total: 20 Florida insurance CE hours

The package provides:

✅ 4 hours of required Law & Ethics Update education

✅ 16 hours of approved elective education

✅ Five broadly relevant insurance courses

✅ 100% online access

✅ Self-paced course completion

✅ Instant emailed certificate

✅ Florida DFS reporting within 24 hours

✅ No added or hidden fees

✅ All applicable reporting fees included

✅ Who Should Take This Package?

This package is designed primarily for:

✅ Florida 2-20 General Lines agents

✅ Florida 20-44 Personal Lines agents

✅ Agents who have been licensed for six years or more

✅ Agents whose DFS MyProfile account shows a 20-hour CE requirement

✅ Agents whose required four-hour update authority is CE 5-220

✅ Property and Casualty insurance professionals

✅ Agents who sell or service automobile, homeowners, residential property, or commercial insurance

✅ Busy insurance professionals who want to complete all required hours online

This package is especially useful for experienced Florida agents because every included elective course addresses topics that commonly arise in personal and commercial insurance transactions.

✅ Is This a Complete Florida Insurance CE Package?

For eligible Florida 2-20 General Lines and 20-44 Personal Lines agents who have been licensed for six years or more, this package is designed to satisfy the standard reduced 20-hour CE requirement.

The package includes:

✅ 4 hours of Law & Ethics Update education under CE 5-220

✅ 16 hours of approved elective continuing education

✅ 20 total hours

Florida assigns continuing education requirements individually. Before enrolling, review your DFS MyProfile CE Status page to confirm that:

✅ Your total requirement is 20 hours

✅ CE 5-220 is assigned to your license

✅ You have not already completed any included course during your current compliance period

Agents licensed for fewer than six years generally have a 24-hour requirement and may be better served by our Florida 24-Hour General Lines and Personal Lines CE Package.

✅ Florida CE Requirements for Agents Licensed Six Years or More

Florida insurance agents must complete a four-hour update course specific to their license authority during each applicable two-year compliance period.

General Lines and Personal Lines agents are generally assigned the CE 5-220 Law & Ethics Update.

A licensee who has held an applicable Florida insurance license for six or more years must generally complete:

✅ 4 hours of Law & Ethics Update education

✅ 16 hours of approved elective education

✅ 20 total hours every two years

This package provides that exact combination.

Some licensees may qualify for an even lower elective requirement based on length of licensure, professional designations, education, or other qualifying circumstances. Always rely on the requirement displayed in your individual MyProfile account.

✅ When Is Florida Insurance CE Due?

Florida insurance continuing education is generally due every two years by the last day of the licensee’s birth month.

Your exact CE compliance date is listed in your Florida DFS MyProfile account. MyProfile also shows:

✅ Your required update-course authority

✅ Your total required CE hours

✅ Courses already completed

✅ Remaining elective hours

✅ Whether your reported credits have posted

Complete your courses before the deadline so there is enough time for your credits to be reported and reflected in your account.

✅ How to Maintain Your Florida Insurance License

Step 1: Check Your DFS MyProfile Account

Review your CE Status page and verify your:

✅ License type

✅ Compliance deadline

✅ Total required hours

✅ Required update-course authority

✅ Completed and remaining credits

Step 2: Confirm That You Need 20 Hours

Make sure MyProfile shows a 20-hour total requirement consisting of CE 5-220 and 16 elective hours.

Step 3: Enroll in This Package

Register once and receive access to all five included courses.

Step 4: Complete the Courses Online

Work through each course on your own schedule. You may log in and out without losing your progress.

Step 5: Receive Your Instant Emailed Certificate

Your certificate of completion is emailed immediately after you finish the applicable course requirements.

Step 6: We Report Your Credits

We report your completed courses to Florida DFS within 24 hours.

Step 7: Confirm That Your Credits Have Posted

Return to your MyProfile CE Status page and verify that all completed hours appear on your transcript.

Step 8: Maintain Your Appointment

Florida insurance agent licenses are generally perpetual, but agents must maintain any required appointment and remain compliant with continuing education requirements.

✅ Courses Included in This Package

✅ 1. 4-Hour Law & Ethics Update — General Lines, CE 5-220

This required four-hour update course reviews Florida insurance laws, regulatory agencies, licensing responsibilities, appointments, advertising, recordkeeping, ethical standards, product suitability, unfair insurance practices, disciplinary actions, unauthorized entities, and current industry developments.

Major topics include:

✅ Florida Department of Financial Services

✅ Office of Insurance Regulation

✅ Office of Financial Regulation

✅ Licensing and appointment requirements

✅ Duties of licensed and unlicensed personnel

✅ Insurance agency licensing

✅ Advertising and recordkeeping

✅ Recent Florida insurance-law updates

✅ Ethical marketing and sales practices

✅ Product suitability

✅ Unfair or deceptive insurance practices

✅ Enforcement and disciplinary trends

DFS Course #138886
Course Offer ID #1241751

✅ 2. 4-Hour Automobile Insurance & PIP No-Fault

This course provides a detailed review of Florida automobile insurance and the coverage issues agents regularly explain to policyholders.

Major topics include:

✅ Personal Auto Policy structure

✅ Bodily injury and property damage liability

✅ Medical Payments coverage

✅ Florida Personal Injury Protection

✅ Florida’s no-fault insurance system

✅ PIP benefits and the $10,000 limit

✅ Emergency Medical Condition requirements

✅ The 14-day treatment rule

✅ Uninsured and Underinsured Motorist coverage

✅ Collision and other-than-collision coverage

✅ Florida financial responsibility requirements

✅ SR-22 and FR-44 filings

✅ Rideshare and delivery exposures

✅ Auto claims and E&O prevention

DFS Course #138858
Course Offer ID #1241596

✅ 3. 4-Hour Homeowners & Residential Property Insurance

This course reviews the coverage, underwriting, claims, and client-service issues affecting Florida residential property insurance.

Major topics include:

✅ Homeowners policy structure

✅ Dwelling and other structures coverage

✅ Personal property and loss-of-use coverage

✅ Personal liability and Medical Payments

✅ Replacement cost and actual cash value

✅ Hurricane and windstorm coverage

✅ Hurricane deductibles

✅ Flood exclusions and separate flood insurance

✅ Water damage and mold limitations

✅ Sinkhole loss and catastrophic ground-cover collapse

✅ Roof coverage and valuation

✅ Citizens Property Insurance Corporation

✅ Hurricane mitigation credits

✅ Underwriting, claims, and underinsurance prevention

DFS Course #138885
Course Offer ID #1241609

✅ 4. 4-Hour Commercial Property & General Liability Insurance

This course provides broad commercial-lines training for agents who work with business owners and commercial insurance accounts.

Major topics include:

✅ Commercial Package Policies

✅ Businessowners Policies

✅ Building and business personal property

✅ Basic, Broad, and Special Causes of Loss

✅ Commercial property exclusions

✅ Valuation and coinsurance

✅ Business Income and Extra Expense

✅ Commercial General Liability

✅ Bodily injury and property damage

✅ Personal and Advertising Injury

✅ Medical Payments

✅ Occurrence and claims-made coverage

✅ Additional insureds

✅ Commercial auto basics

✅ Workers’ compensation

✅ Umbrella and excess liability

✅ Certificates of insurance

✅ Contractual risk transfer

DFS Course #138859
Course Offer ID #1241599

✅ 5. 4-Hour Errors & Omissions and Agency Risk Management

This course helps agents identify common professional-liability exposures and implement procedures that reduce preventable E&O claims.

Major topics include:

✅ Agent negligence and professional duties

✅ The standard of care

✅ Common sources of E&O claims

✅ Claims-made E&O policies

✅ Documentation procedures

✅ Coverage placement and gap prevention

✅ Adequate limits and the duty to advise

✅ Client requests and policy changes

✅ Renewals and cancellations

✅ Managing client expectations

✅ Flood and windstorm underinsurance

✅ Certificates of insurance

✅ Personal and commercial lines E&O risks

✅ Social media and digital marketing

✅ Privacy and data exposures

✅ Agency procedures and quality assurance

✅ Vulnerable and senior clients

DFS Course #138882
Course Offer ID #1241600

✅ What You Will Learn

The five-course package gives experienced Florida General Lines and Personal Lines agents a broad review of the legal, ethical, coverage, underwriting, and client-service issues that affect daily insurance transactions.

The package covers:

✅ Florida insurance law and regulation

✅ Licensing and appointment responsibilities

✅ Ethics and product suitability

✅ Automobile liability and Florida PIP

✅ UM/UIM and physical-damage coverage

✅ Homeowners and residential property insurance

✅ Hurricane deductibles and windstorm coverage

✅ Roof, water, mold, and sinkhole issues

✅ Citizens Property Insurance Corporation

✅ Commercial property insurance

✅ Commercial General Liability

✅ Business Income and Extra Expense

✅ Additional insureds and certificates of insurance

✅ Errors-and-omissions prevention

✅ Agency documentation and quality control

✅ Claims communication

✅ Underwriting and rating concepts

✅ Consumer protection

✅ Senior and vulnerable-client considerations

✅ Save $44.96 With This Package

Purchased separately, the five included courses would cost:

✅ 4-Hour Law & Ethics Update — $15.99

✅ 4-Hour Automobile Insurance & PIP No-Fault — $15.99

✅ 4-Hour Homeowners & Residential Property Insurance — $15.99

✅ 4-Hour Commercial Property & General Liability Insurance — $15.99

✅ 4-Hour Errors & Omissions and Agency Risk Management — $15.99

Total individual price: $79.95

Package price: $34.99

Your savings: $44.96

There are no added fees, and all applicable reporting fees are included.

✅ Why Choose 1st Choice CE?

✅ Includes Florida DFS-approved courses

✅ Approved Provider #374697

✅ Designed for eligible 2-20 and 20-44 agents licensed six years or more

✅ Required CE 5-220 Law & Ethics Update included

✅ 16 hours of approved elective education

✅ Five broadly relevant courses

✅ Only $34.99

✅ Save $44.96 compared with purchasing courses individually

✅ No added or hidden fees

✅ All reporting fees included

✅ 100% online and self-paced

✅ Log in and out without losing progress

✅ Instant emailed certificate

✅ Completion reported to Florida DFS within 24 hours

✅ Money-back guarantee

✅ More than 10 years of continuing education experience

✅ Phone or text support at 1-800-698-2770

✅ Enroll Now – Complete All 20 Hours for Only $34.99

Complete your Florida General Lines or Personal Lines continuing education through one convenient online package. Receive the required CE 5-220 Law & Ethics Update, 16 hours of practical elective education, instant certification, fast reporting, and no added fees.

✅ Included Courses With Individual Links

✅ 4-Hour Law & Ethics Update — General Lines, CE 5-220 — $15.99

✅ 4-Hour Automobile Insurance & PIP No-Fault — $15.99

✅ 4-Hour Homeowners & Residential Property Insurance — $15.99

✅ 4-Hour Commercial Property & General Liability Insurance — $15.99

✅ 4-Hour Errors & Omissions and Agency Risk Management — $15.99

✅ Need the Full 24-Hour Package?

Agents licensed for fewer than six years generally need the standard 24-hour CE combination.

✅ Florida 24-Hour General Lines & Personal Lines Insurance CE Package — $39.99

The 24-hour package includes CE 5-220, 20 elective hours, Flood Insurance, and Hurricane Mitigation & Premium Discounts.

✅ Optional Florida Insurance CE Add-Ons

Add more Florida-specific education based on your professional interests or remaining CE needs.

✅ 3-Hour Flood Insurance — $15.99

✅ 1-Hour Hurricane Mitigation & Premium Discounts — $12.99

The Flood Insurance and Hurricane Mitigation courses are optional additions to this 20-hour package. They are not represented as separate mandatory requirements for every agent.

✅ Frequently Asked Questions

Is this package approved by the Florida Department of Financial Services?

The five individual courses included in the package are approved by Florida DFS. 1st Choice Continuing Education is Approved Provider #374697.

How many CE hours are included?

The package includes 20 total hours of Florida insurance continuing education.

Who is this package designed for?

It is designed primarily for eligible Florida 2-20 General Lines and 20-44 Personal Lines agents who have been licensed for six years or more and whose MyProfile account shows a 20-hour CE requirement.

Does this package include the required Law & Ethics Update?

Yes. The package includes the 4-Hour Law & Ethics Update — General Lines under CE 5-220.

How many elective hours are included?

The package includes 16 hours of approved elective insurance education.

Why is this package intended for agents licensed six years or more?

Florida law generally reduces the elective requirement from 20 hours to 16 hours once a licensee has been licensed for six or more years. Combined with the four-hour update course, this creates a 20-hour total requirement.

What if I have been licensed for fewer than six years?

Agents licensed for fewer than six years generally need four hours of Law & Ethics Update education plus 20 elective hours, for a total of 24 hours. Our 24-hour package may be more appropriate.

What if I have been licensed for 25 years or more?

Some long-term licensees with qualifying professional designations or insurance-related education may have a lower elective requirement. Check your MyProfile account before purchasing.

Can a Florida 20-44 Personal Lines agent take this package?

Yes, provided the agent’s MyProfile account shows CE 5-220 and a 20-hour total requirement.

Can all 20 hours be completed online?

Yes. All five courses are online and self-paced.

Can I log in and out without losing my progress?

Yes. Your progress is saved so you can return and continue where you stopped.

Will I receive a certificate?

Yes. You receive an instant emailed certificate after completing the applicable course requirements.

Do you report my course completions to Florida DFS?

Yes. Completed courses are reported to Florida DFS within 24 hours.

Does the price include reporting fees?

Yes. The $34.99 price includes all applicable reporting fees. There are no added fees.

How much would the courses cost separately?

The five courses would cost $79.95 if purchased individually. The package costs $34.99, saving you $44.96.

Does this package include Flood Insurance?

Flood Insurance is not included in the 20-hour package, but the separate three-hour Flood Insurance course is available as an optional add-on.

Does this package include Hurricane Mitigation?

The one-hour Hurricane Mitigation & Premium Discounts course is available as an optional add-on.

When is Florida insurance CE due?

Florida insurance CE is generally due every two years by the last day of the licensee’s birth month. Your exact deadline appears in MyProfile.

Can I repeat a course that I recently completed?

Florida generally does not award CE credit for repeating the same course within two years. Review your transcript before enrolling.

Does completing this package automatically renew my license?

The package provides applicable continuing education credits and we report completed courses. You remain responsible for checking your compliance status and maintaining any appointment required for your license.

Is there a money-back guarantee?

Yes. This package is backed by our money-back guarantee.

 

Course Details

• Approved by the Florida Department of Financial Services
• Approved Provider #374697
• Instant Access - Online Course.
• Study At Your Own Pace. Anytime.
• On Any Device. Phone, Tablet, or Computer.
• Hassle Free Navigation. Easy to Follow.
• Certificate emailed immediately upon completion.
• 1-800-698-2770 for any questions.