3 HRs Emerging Risks and Specialty Coverages – Colorado

✅ 3 HRs Emerging Risks and Specialty Coverages – Colorado

✅ Approved by Colorado Division of Insurance | Provider #236323 | Course #67726 | Only $15.99 | Instant Emailed Certificate | 100% Online & Self-Paced

Earn 3 approved credit hours toward your Colorado producer renewal with a course approved by the Colorado Division of Insurance for only $15.99. Colorado producers complete 24 credit hours biennially including 3 in ethics, and these 3 count toward that total. The course is approved in the Property & Casualty category.

The course is 100% online and self-paced. Log in and out as often as you need without losing progress. Your certificate is emailed to you the moment you finish. 1st Choice CE files your completion with the Colorado Continuing Education Administrator and gives you documentation within seven days.

✅ Course Details

• Course name: 3 HRs Emerging Risks and Specialty Coverages
• Approved by: Colorado Division of Insurance
• Provider number: 236323
• Course number: 67726
• Course length: 3 hours
• Course category: Property & Casualty
• Course format: 100% online, self-paced
• Price: $15.99
• Certificate: emailed immediately after completion
• Reporting: 1st Choice CE reports your completion
• Approval active through: 08-31-2029
• Page URL: https://1stchoice-ce.com/courses/checkout/colorado/3-hr-emerging-risks-colorado/
• Support: call or text 1-800-698-2770

✅ Who Should Take This Course?

• Licensed property and casualty agents and producers
• Agents writing small commercial accounts that now face cyber exposure
• Producers fielding rideshare and delivery-driver questions on personal auto policies
• Agents placing coverage in catastrophe-exposed or hardening markets
• Producers who need to explain telematics and data-driven underwriting decisions to clients
• Agents who need property and casualty CE credit toward the state renewal total

✅ Does This Course Satisfy the State Requirement?

This course provides 3 approved credit hours toward the 24 a Colorado producer must complete biennially. It does not satisfy the full requirement on its own, and it does not satisfy the separate 3-hour ethics requirement.

If you are licensed to sell property or personal lines insurance, Colorado separately requires three hours specifically on homeowner's insurance coverage. This is a property and casualty course, but it does not satisfy that carve-out — you will need an approved homeowners course for it.

✅ 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 course helps: This 3-hour course contributes 3 of the 24 credit hours a Colorado producer must complete biennially. It is approved in the Property & Casualty category. It does not satisfy the separate 3-hour ethics requirement, so those credits must still come from an approved ethics course. If you are licensed to sell property or personal lines insurance, remember that Colorado separately requires three hours specifically on homeowner's insurance coverage. A general property and casualty course does not satisfy that carve-out. Colorado allows at most 12 carryover hours, and only hours earned in the 120 days before your continuation date qualify, so plan the remaining hours inside this period.

✅ 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

• Identify cyber exposures — data breach, ransomware, social engineering, third-party liability — that fall outside traditional property and casualty policy intent
• Explain what a cyber policy actually covers, including first-party response costs, business interruption concepts, sublimits, and waiting periods
• Connect client security practices such as multifactor authentication, backups, patching, and vendor management to insurability and pricing
• Spot the coverage gaps rideshare and on-demand delivery driving create in a personal auto policy, including app-on and app-off periods and livery exclusions
• Determine which policy layer responds in a mixed-use driving loss, and what documentation supports a clean claim file
• Explain how telematics, automated data enrichment, AI-assisted rating, and catastrophe trends are reshaping deductibles, exclusions, and underwriting appetite

✅ Course Content Overview

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.
• Review core cyber coverage parts (first-party response costs, business interruption concepts, and liability components) to clarify what is typically covered versus commonly excluded or limited.
• Explain key cyber policy mechanics (incident reporting timing, panel vendor usage, sublimits, and waiting periods) to reduce misunderstandings that derail claim outcomes.
• Discuss practical cyber underwriting and risk controls (MFA, backups, patching, employee training, and vendor management) to connect client behaviors to insurability and pricing.

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.
• Review personal auto limitations and common gap points (app on/off periods, livery exclusions, and liability/physical damage uncertainties) to improve disclosure and suitability conversations.
• Outline coverage solutions (rideshare endorsements and policy structures designed for delivery or mixed-use driving) to clarify how agents can reduce uninsured exposure.
• Use scenario-based applications to determine which policy layer may respond (personal auto, endorsement, platform-related protection, or commercial coverage) and what documentation supports a clean claim file.

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.
• Discuss consumer and compliance considerations (data accuracy, transparency, privacy expectations, and documentation habits) to support ethical communication when underwriting outcomes change rapidly.
• Evaluate climate-related risk pressures (hurricane, hail, wildfire, and flood impacts) to show how catastrophe trends influence deductibles, exclusions, underwriting appetite, and availability.
• Introduce specialty placement concepts (private flood positioning at a high level, tightened terms, and client expectation-setting) to help agents explain market shifts without overpromising coverage.

✅ Other Related Courses

• 3 Hour Ethics for Insurance Agents – $15.99
• 3-Hour Flood Insurance (NFIP) – $15.99
• 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
• 3 Hrs Insurance Fraud and Claims Handling (P&C Focus) – $15.99
• 4 HRs Commercial Lines Insurance Essentials – $15.99
• 4 HRs Personal Auto and Umbrella Insurance – $15.99
• 4 HRs Homeowners Insurance Overview – $15.99
• 24-Hour Property & Casualty CE Package – $54.99 — includes this course

✅ Why Choose 1st Choice CE?

• Approved provider and approved course in Colorado
• Affordable at $15.99 with no additional or hidden fees
• 100% online and self-paced
• Log in and out anytime without losing progress
• Instant emailed certificate
• Completions reported to the state
• Money-back guarantee
• Over 10 years of continuing education experience
• Support by phone or text at 1-800-698-2770

✅ Enroll Now

Get your 3 approved hours done today for $15.99.

Enroll in 3 HRs Emerging Risks and Specialty Coverages – Colorado

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