✅ 4 Hour New York Property & Casualty Insurance Compliance – Part 1 Online CE Course

✅ Approved by the New York State Department of Financial Services | Provider #NYPO-104705 | Course #NYCS-285087 | Only $19.99 | Instant Emailed Certificate | 100% Online & Self-Paced

Earn 4 approved hours of property/casualty elective credit toward your 15-hour New York insurance renewal with a NYDFS-approved online course you can start immediately for only $19.99. Built for New York P&C agents, brokers, and producers, Part 1 sharpens the personal lines compliance knowledge you use every day — producer licensing and duties, homeowners and property coverage, auto insurance, and consumer protection.

Work at your own pace and log in and out anytime without losing your progress. After you finish the course and pass the required final exam, your certificate is emailed to you immediately, and 1st Choice CE reports your completion to New York within 24 hours — nothing for you to self-report.

✅ Course Details

Course Name: 4 Hour New York Property & Casualty Insurance Compliance – Part 1 Online CE Course

Approved By: New York State Department of Financial Services (NYDFS)

Provider Number: NYPO-104705

Course Number: NYCS-285087

Course Length: 4 credit hours

Course Category: Property/casualty elective credit (counts toward New York's 15-credit renewal total)

Course Format: 100% online and self-paced, with a final exam (required for self-study credit)

Price: $19.99

Certificate: Instant emailed certificate upon completion

Reporting: 1st Choice CE reports completions to New York within 24 hours

Support: Phone or text 1-800-698-2770

✅ Who Should Take This Course?

• New York licensed insurance agents, brokers, and producers with property/casualty lines of authority
• Personal lines producers who advise homeowners, condo owners, renters, and drivers
• P&C licensees who need elective credits to reach New York's 15-credit renewal total
• Producers who want a practical refresher on New York producer duties, compensation, and fiduciary rules
• Agents who field property claims questions and help insureds meet proof-of-loss deadlines
• Producers who quote and service New York auto insurance and no-fault coverage
• Newly licensed P&C producers preparing for their first New York renewal
• Agency owners and managers keeping their teams CE-compliant

✅ Does This Course Satisfy the New York CE Requirement?

This course provides 4 hours of NYDFS-approved property/casualty elective credit. Those hours count toward the 15 total continuing education credits most New York licensees must complete each two-year cycle.

Be clear on what this course does not do:

• It does not satisfy the mandatory one-hour Insurance Law, ethics and professionalism, or diversity, inclusion, and elimination of bias topics — each of those requires its own approved course.
• It does not satisfy the 1-hour flood insurance requirement for P&C licensees or the 3-hour enhanced NFIP flood requirement for NFIP flood sellers.

If you want your entire 15-hour P&C renewal in one purchase — the three mandatory topics, both flood components, and this course plus Part 2 — see the 15 Hour New York P&C Insurance Renewal Package for $39.

✅ New York Insurance Continuing Education Requirements

Under New York Insurance Law Section 2132, most New York insurance licensees must complete 15 credits of approved continuing education during each two-year licensing period once the license has been in effect for more than two years. For licenses renewing on or after April 1, 2022, Part 20 of the NYCRR requires that the 15 credits include:

• At least 1 hour of Insurance Law instruction
• At least 1 hour of ethics and professionalism instruction
• At least 1 hour of diversity, inclusion, and elimination of bias instruction
• At least 1 hour of flood insurance instruction, if licensed to sell one or more property/casualty lines
• At least 3 hours of enhanced flood insurance instruction, if selling flood insurance through the NFIP

Self-study and online courses require a passing grade on a final exam to receive credit. New York resident licensees must use a Department-approved provider organization, and all CE must be completed before the renewal or relicensing application is submitted. CE is generally not required for non-resident licensees who are CE-compliant in their home state.

How this course helps: This 4-hour course provides 4 hours of property/casualty elective credit toward the 15 total credits required for renewal. It does not satisfy the mandatory 1-hour Insurance Law, ethics, or diversity topics, and it does not satisfy either flood insurance requirement — those must be completed separately. Pair it with Part 2, the three mandatory-topic courses, and the flood courses to complete a full 15-hour P&C renewal, or get all seven courses together in the 15 Hour New York P&C Insurance Renewal Package.

✅ When Do New York Licensees Renew?

New York insurance licenses renew every two years, and expiration dates vary by licensee — check your license record in the DFS portal to confirm your exact date. Individual and TBA producer licenses expiring on the licensee's birthday can generally be renewed up to 180 days before expiration.

Because CE must be completed before you submit your renewal application, finish your credits early instead of racing your expiration date.

✅ How to Renew Your New York Insurance License

Step 1: Confirm Your License Record — Check your license type, lines of authority, and expiration date in the DFS portal.

Step 2: Confirm Your CE Requirements — Most licensees need 15 credits per cycle, including the mandatory topics. Your flood hours depend on whether you sell P&C lines and whether you sell NFIP flood insurance.

Step 3: Enroll — Enroll in the 4 Hour New York Property & Casualty Insurance Compliance – Part 1 course for $19.99 and start immediately.

Step 4: Complete the Course Online — Work at your own pace, log in and out anytime, and pass the final exam to earn self-study credit.

Step 5: Receive Your Instant Certificate — Your certificate of completion is emailed to you the moment you finish.

Step 6: We Report Your Completion — 1st Choice CE reports your completion to New York within 24 hours, so the credit is on your record.

Step 7: Renew With the State — Renew online through NY LINX, the DFS portal, using your DFS ID with multi-factor authentication. Submit before your expiration date and confirm your renewed status afterward.

✅ What You Will Learn

• When New York's licensing rules apply to selling, soliciting, and negotiating P&C insurance — and what agents and brokers can and cannot do
• How insurer appointments, commission rules, and written compensation agreements affect your authority and pay
• Your fiduciary duties for premiums and client funds, and the advertising rules that keep marketing compliant
• Property insurance fundamentals: insurable interest, the standard fire policy, proof-of-loss deadlines, and appraisal
• Why homeowners policies may exclude flood and carry separate windstorm deductibles — and how to document those conversations
• New York auto essentials: liability provisions, no-fault first-party benefits, physical damage coverage, and cancellation protections
• How to avoid the unfair trade practices, claims conduct, and discrimination issues that lead to producer discipline

✅ Course Content Overview

This course is organized into four one-hour sections:

Section 1 (1 Hour) — Property and Casualty Producer Licensing, Authority, and Client Disclosures

How New York defines and regulates P&C producers, and the duties that come with the license:

• Producer definitions — agent, broker, sell, solicit, and negotiate — and when a license is required (Insurance Law §§2101–2104)
• Insurer appointments and termination notices, and how appointments define an agent's authority (§2112)
• Commissions, broker compensation, and when a separate written compensation agreement is required (§§2115, 2116, 2119)
• Fiduciary duties for premiums, return premiums, and other insurance funds (§2120)
• Advertising and written communications — avoiding misleading statements about coverage or insurer authority (§§2122, 2123)

Section 2 (1 Hour) — Property Insurance Contracts, Homeowners Coverage, and Policyholder Duties

Core property insurance rules producers should explain accurately at application and renewal:

• Insurable interest and why ownership, lienholder, and named-insured details matter (§3401)
• The standard fire insurance policy, extended coverage, and permissible variations (§3404)
• Proof-of-loss and notice-of-loss responsibilities (§3407), and appraisal when the amount of loss is disputed (§3408)
• Flood and windstorm disclosure issues — standard homeowners coverage may not include flood and may carry a separate windstorm deductible (§§3444, 3445)
• Documenting client discussions about replacement cost, actual cash value, deductibles, exclusions, and endorsements

Section 3 (1 Hour) — Automobile Insurance, Liability Coverage, and Personal Lines Compliance

The auto and personal lines rules behind everyday quoting and service:

• Liability policy provisions, notice issues, disclaimers, and the injured person's rights (§3420)
• No-fault essentials: basic economic loss and first-party benefits (§§5102, 5103), and the limits on lawsuits for non-economic loss (§5104)
• Physical damage coverage and inspection-related duties for private passenger automobiles (§3411)
• Cancellation and renewal protections for covered personal lines policies (§3425)
• Prohibited refusal, cancellation, and nonrenewal practices involving certain motor vehicle applicants and insureds (§§3434, 3435-a)

Section 4 (1 Hour) — Consumer Protection, Unfair Practices, Claims Standards, and Producer Risk Control

How consumer protection standards shape producer conduct:

• Unfair methods of competition and unfair or deceptive acts or practices under Article 24 (§§2402, 2403)
• Unfair claim settlement practices — ignored communications, delayed investigations, and misleading claimants (§2601)
• Discrimination restrictions in P&C transactions (§§2606, 2607) and domestic violence protections (§2612)
• Producer conduct that can lead to disciplinary action — misrepresentation, untrustworthiness, and dishonest practices (§2110)
• Practical workflows: application review, coverage comparisons, renewal checklists, complaint handling, and keeping contact information current (§2134)

✅ Other Related New York Insurance Courses

• 4 Hour New York Property & Casualty Insurance Compliance – Part 2 Online CE Course – $19.99
• 15 Hour New York P&C Insurance Renewal Package (Courses 1-7) – $39
• 3 Hour New York Mandatory Topics Package (Courses 1, 2, 3) – $14.99

✅ Why Choose 1st Choice CE?

• NYDFS-approved course (provider #NYPO-104705, course #NYCS-285087)
• Affordable price — only $19.99 for 4 credit hours
• 100% online and self-paced — log in and out anytime without losing progress
• Instant emailed certificate when you finish
• Completions reported to New York within 24 hours
• Money-back guarantee
• Over 10 years of continuing education experience
• Support by phone or text at 1-800-698-2770

✅ Enroll Now

Ready to knock out 4 of your 15 New York CE credits? Enroll in the 4 Hour New York Property & Casualty Insurance Compliance – Part 1 course for just $19.99. Work through it at your own pace, get your certificate instantly, and let us report your credit to New York for you.

Enroll Now – Only $19.99