Course Description

✅ 3-Hour Emerging Risks and Specialty Coverages (CEQ) – Texas Insurance Agent

Approved by Texas Department of Insurance | Approved Provider #233452 | Course #147588 ✅
Only $19.99 (No Added Fees) | Classroom-Equivalent (CEQ) | 100% Online & Self-Paced

Stay current with today’s changing insurance market with this 3-hour Texas insurance continuing education course focused on emerging risks and specialty coverages. This course is approved by the Texas Department of Insurance (TDI) as a Classroom-Equivalent (CEQ) course, meaning it can help satisfy the classroom/classroom-equivalent portion of Texas insurance CE requirements.

This course is designed for Texas insurance agents who want practical, up-to-date CE on cyber liability, rideshare and on-demand delivery coverage gaps, InsurTech underwriting trends, climate-related market pressures, and specialty coverage placement. You can complete the course online, log in and out any time without losing progress, and finish on your schedule.

✅ Who Should Take This Course?

This course is ideal for Texas insurance agents and producers who need general continuing education credit and want a forward-looking course that applies to real client conversations.

It is especially useful for:

✅ Property and Casualty agents
✅ Personal Lines agents
✅ General Lines agents
✅ Agents working with small business clients
✅ Agents who want better knowledge of cyber risk, specialty coverage gaps, and evolving market conditions
✅ Licensees who need Classroom-Equivalent (CEQ) credit

This is a general CE course, not an ethics course. If your renewal requires ethics hours, make sure you also complete a TDI-approved ethics course.

✅ Texas Insurance License Renewal Requirements

Most Texas insurance agents must complete continuing education every two-year license period. TDI lists 24 hours of CE, including 3 hours of ethics, for several common license types, including General Lines Life/Health, General Lines Property & Casualty, Life Agent, Personal Lines Property & Casualty Agent, Managing General Agent, and Adjusters/Public Adjusters. TDI also lists 10 hours, including 3 hours of ethics, for certain limited license types such as County Mutual, Life Insurance Under $25,000, and Limited Lines Agent. TDI states that at least half of the required hours must be classroom or classroom equivalent.

Because this course is approved as CEQ, it can help satisfy the classroom-equivalent portion of your Texas insurance CE requirement.

✅ When Do Texas Insurance Agents Have to Renew?

Texas insurance licenses renew on a two-year cycle. TDI states that licensees must complete their CE before midnight Central Time on the license expiration date to avoid fines and renewal delays. TDI also encourages licensees to complete CE at least 30 days before expiration so providers have time to report the course completion.

If you do not complete the required CE before your license expires, TDI says fines may apply for each deficient hour, and renewal can be delayed until the required hours and any fines are handled.

✅ How to Renew Your Texas Insurance License

✅ Step 1: Confirm your license type and CE requirement
Most Texas insurance licensees need 24 CE hours every two years, including 3 hours of ethics. Some limited licenses require fewer hours.

✅ Step 2: Complete your required CE
This 3-hour course is approved by TDI as a Classroom-Equivalent (CEQ) general CE course.

✅ Step 3: Make sure you have enough classroom/classroom-equivalent hours
TDI requires at least half of the required CE hours to be completed through classroom or classroom-equivalent courses. This CEQ course helps with that requirement.

✅ Step 4: Complete any ethics requirement separately if still needed
This course is focused on emerging risks and specialty coverages. It is not an ethics course.

✅ Step 5: Renew your license through the required renewal system
TDI states that agents must complete CE and pay the renewal fee before the license is renewed. TDI also directs licensees to review their CE transcript through Sircon.

✅ What You’ll Learn

This 3-hour CEQ course gives Texas insurance agents a practical overview of emerging property and casualty risks, specialty coverages, and market changes that affect client conversations and coverage placement.

Hour 1: Cyber Liability Insurance Essentials for Modern Businesses

✅ Cyber exposures, including data breach, ransomware, social engineering, and third-party liability
✅ Why cyber losses may fall outside traditional P&C policy intent
✅ First-party response costs, business interruption concepts, and liability components
✅ Cyber policy mechanics, including incident reporting timing, panel vendor usage, sublimits, and waiting periods
✅ Cyber underwriting and risk controls, including MFA, backups, patching, employee training, and vendor management

This hour helps agents better explain cyber risk, coverage limitations, and underwriting expectations to business clients.

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

✅ App-based driving exposures in rideshare and delivery work
✅ How “business use” can create personal auto coverage gaps
✅ App on/off periods, livery exclusions, and liability or physical damage concerns
✅ Rideshare endorsements and coverage structures for delivery or mixed-use driving
✅ Scenario-based analysis of which policy layer may respond

This hour helps agents identify coverage gaps and guide clients through better disclosure, documentation, and coverage discussions.

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

✅ InsurTech tools, including telematics, data enrichment, AI-assisted rating, and digital claims
✅ Data accuracy, transparency, privacy expectations, and documentation habits
✅ Climate-related risk pressures involving hurricanes, hail, wildfire, and flood
✅ How catastrophe trends affect deductibles, exclusions, underwriting appetite, and availability
✅ Specialty placement concepts, private flood positioning, tighter terms, and client expectation-setting

This hour helps agents understand how technology and catastrophe trends are changing underwriting, pricing, availability, and specialty placement.

✅ Course Format and Assessment

This is a Classroom-Equivalent (CEQ) course. Each subtopic includes an interactive inquiry quiz with 5 questions, and learners must score at least 70% to pass that quiz and continue.

The course includes:

✅ 3 total CE hours
✅ 12 subtopic-based interactive inquiry quizzes
✅ 5 questions per inquiry
✅ 70% minimum passing score per inquiry
✅ 100% online access
✅ Self-paced learning with progress tracking

✅ Why Choose 1st Choice CE?

✅ Approved by the Texas Department of Insurance
✅ Approved Provider #233452
✅ Course #147588
✅ Only $19.99
✅ Classroom-Equivalent (CEQ) credit
✅ 100% online and self-paced
✅ Log in and out any time without losing progress
✅ Completion reported to TDI/Sircon
✅ No hidden fees
✅ Money-back guarantee
✅ Over 10 years of trusted CE service
✅ Support by phone or text – 1-800-698-2770

✅ Enroll Now – Just $19.99

This is a fast, affordable way to earn 3 hours of Texas insurance CEQ credit while learning about emerging risks, cyber liability, rideshare coverage gaps, InsurTech trends, and specialty market changes.

✅ Frequently Asked Questions

Is this course approved by the Texas Department of Insurance?
Yes. This course is approved by the Texas Department of Insurance under Course #147588. 1st Choice CE is Approved Provider #233452.

What does CEQ mean?
CEQ means Classroom-Equivalent. Texas requires at least half of required CE hours to be classroom or classroom equivalent, and this course is approved in that format.

How many CE hours do Texas insurance agents need?
Most Texas insurance agents need 24 hours of CE every two-year license period, including 3 hours of ethics. Some limited license types require 10 hours, including 3 hours of ethics.

Does this course count as ethics?
No. This is a general CE course focused on emerging risks and specialty coverages. If you still need ethics hours, you must complete a separate TDI-approved ethics course.

Can I take this course online?
Yes. This course is online and self-paced while still qualifying as a Classroom-Equivalent (CEQ) course.

Can I log in and out without losing my progress?
Yes. You can log in and out any time and continue where you left off.

When do I need to finish my CE?
TDI says CE must be completed before midnight Central Time on your license expiration date to avoid fines and renewal delays. TDI encourages completing CE at least 30 days before expiration so the provider has time to report completion.

Do you report my completion?
Yes. Course completion is reported to TDI/Sircon. TDI provider guidance states that education providers report course completions through Sircon.

What does this course cover?
The course covers cyber liability, ransomware and data breach exposures, rideshare and delivery coverage gaps, InsurTech underwriting tools, AI-assisted rating, digital claims, climate-driven market changes, specialty placements, and client expectation-setting.

Who should take this course?
This course is a strong fit for Texas insurance agents who need general CEQ credit and want practical knowledge on modern P&C risks, cyber insurance, rideshare coverage issues, InsurTech, and specialty market changes.

Course Details

• Approved by Texas Department of Insurance
• Approved Provider #233452
• Approved Course #147588
• 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.