✅ 3 HRs Emerging Risks and Specialty Coverages – Mississippi

✅ Approved by Mississippi Insurance Department | Provider #15054358 | Course #30063 | Only $19.99 | Instant Emailed Certificate | 100% Online & Self-Paced

Earn 3 approved hours toward your Mississippi producer renewal with a course approved by the Mississippi Insurance Department for only $19.99. A Mississippi producer whose license has been in effect 19 to 24 months completes 24 hours including 3 in ethics, so these 3 hours count toward that total, and 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 reports your completion to Mississippi; the renewal application itself is submitted online through Sircon or NIPR.

✅ Course Details

• Course name: 3 HRs Emerging Risks and Specialty Coverages
• Approved by: Mississippi Insurance Department
• Provider number: 15054358
• Course number: 30063
• Course length: 3 hours
• Course category: Property & Casualty
• Course format: 100% online, self-paced
• Price: $19.99
• Certificate: emailed immediately after completion
• Reporting: 1st Choice CE reports your completion
• Approval active through: 08-31-2028
• Page URL: https://1stchoice-ce.com/courses/checkout/mississippi/3-hr-emerging-risks-mississippi/
• 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 hours toward the 24 hours a Mississippi producer must complete when the license has been in effect 19 to 24 months, or toward the 12 hours required at 13 to 18 months. It does not satisfy the full requirement on its own, and it does not satisfy the separate 3-hour ethics requirement. You will need additional approved hours, including an approved ethics course, to complete your renewal.

Mississippi does not permit hours to carry over into the next license period, and the same course may not be repeated for credit inside one period. Track what you have already taken before enrolling.

✅ Mississippi Continuing Education Requirements

Mississippi ties the continuing education requirement to how long your license has been in effect. A producer whose license has been in effect for 19 to 24 months completes 24 hours of continuing education including three hours of ethics. A producer whose license has been in effect for 13 to 18 months completes 12 hours. Licenses expire on the last day of the licensee's birth month on a biennial basis, so your own birth month — not a statewide calendar date — sets your deadline.

• 24 hours including 3 hours of ethics for a license in effect 19 to 24 months
• 12 hours for a license in effect 13 to 18 months
• Licenses expire on the last day of your birth month, biennially
• Licenses may be renewed online beginning 90 days before the expiration date
• Hours do not carry over from one license period to the next, and the same course may not be repeated within a license period
• Only courses approved by the Mississippi Insurance Department count toward the requirement

Because the total depends on how many months your license has actually been in effect, the Mississippi Insurance Department publishes CE calculation charts for property and casualty and for life, accident and health licensees. Check your own license record and the applicable chart before assuming the 24-hour total applies to you, and contact the MID Licensing Division at licensing@mid.ms.gov or (601) 359-3582 if your months in effect are unclear.

How this course helps: This 3-hour course contributes 3 of the 24 hours a Mississippi resident producer must complete when the license has been in effect 19 to 24 months, or 3 of the 12 hours required at 13 to 18 months. It is approved in the Property & Casualty category. It carries general continuing education credit rather than ethics credit, so the separate 3-hour ethics requirement must still be met with an approved ethics course. Mississippi does not permit carryover, so plan the remaining hours inside the same license period.

✅ When Do Licensees Renew?

Mississippi producer licenses expire on the last day of the licensee's birth month on a biennial basis, and the department allows online renewal beginning 90 days before that expiration date. Continuing education must be completed during the license period, and Mississippi does not permit hours to be carried into the next period, so finishing early satisfies the current period without building a cushion for the next. Mississippi also does not allow the same course to be repeated for credit within a single license period, which matters when you are assembling hours from more than one provider.

✅ How to Renew Your License

1. Confirm your birth month and expiration date — Your license expires on the last day of your birth month on a biennial basis. Confirm the exact date on your license record before planning coursework.
2. Determine how many months your license has been in effect — This decides whether you owe 24 hours or 12. Use the Mississippi Insurance Department's CE calculation chart for your license type, or call the Licensing Division.
3. Complete the required hours, including 3 in ethics — The 24-hour requirement includes three hours of ethics. A general course does not satisfy that portion — verify the ethics credits specifically.
4. Do not repeat a course within the same license period — Mississippi will not give credit twice for the same course inside one period. Track what you have already taken before enrolling.
5. Allow provider reporting time before your deadline — Finish coursework early enough for completions to post. Do not schedule your last course for the final days of your birth month.
6. Renew online and confirm — Renewal opens 90 days before expiration. Submit the renewal, pay the fee, and afterward verify that your record shows an active status and an updated expiration 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 – $19.99
• 3-Hour Flood Insurance (NFIP) – $19.99
• 4-Hour Annuity Best Interest/Suitability – $19.99
• 4 Hrs Ongoing Long-Term Care Insurance Partnership Training – $19.99
• 3 Hrs Insurance Fraud and Claims Handling (P&C Focus) – $19.99
• 4 HRs Commercial Lines Insurance Essentials – $19.99
• 4 HRs Personal Auto and Umbrella Insurance – $19.99
• 4 HRs Homeowners Insurance Overview – $19.99
• 8 Hours Initial Long-Term Care Insurance Partnership Training – $39.99
• 24-Hour Property & Casualty CE Package – $69.99 — includes this course

✅ Why Choose 1st Choice CE?

• Approved provider and approved course in Mississippi
• Affordable at $19.99 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 $19.99.

Enroll in 3 HRs Emerging Risks and Specialty Coverages – Mississippi

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