✅ 4 Hour New York Property & Casualty Insurance Compliance – Part 2 Online CE Course

✅ Approved by the New York State Department of Financial Services | Provider #NYPO-104705 | Course #NYCS-285088 | Only $19.99 | Instant Emailed Certificate | 100% Online & Self-Paced

Complete 4 hours of New York insurance continuing education online with 1st Choice Continuing Education.

This 4-hour course is designed for New York licensed property and casualty insurance agents, brokers, and producers who need elective CE credit toward the 15-hour New York insurance renewal requirement.

Part 2 of our Property & Casualty compliance series focuses on commercial lines practice, including underwriting, rating, policy form compliance, cancellation and nonrenewal rules, certificates of insurance, additional insured requests, liability coverage communication, workers’ compensation placement, claims standards, and commercial risk management.

The course is 100% online and self-paced. You can log in and out anytime without losing your progress, complete the course from any device, and receive your certificate immediately by email after completion. 1st Choice CE reports completed hours to New York within 24 hours.

✅ Course Details

Course Name: 4 Hour New York Property & Casualty Insurance Compliance – Part 2 Online CE Course

Approved by: New York State Department of Financial Services

Provider Number: #NYPO-104705

Course Number: #NYCS-285088

Course Length: 4 CE Credit Hours

Course Category: Elective Credit

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

Price: $19.99

Certificate: Emailed immediately after completion

Reporting: Completion reported to New York within 24 hours

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

✅ Who Should Take This Course?

This course is intended for New York licensed property and casualty producers who need elective continuing education credit for renewal or relicensing.

This course is a good fit for:

• New York property and casualty insurance agents
• New York property and casualty brokers
• Commercial lines producers
• Producers who handle general liability, commercial property, business auto, umbrella, or package policies
• Producers who issue certificates of insurance or handle additional insured requests
• Producers who place workers’ compensation coverage for New York employers
• Agency principals and account managers who manage commercial renewals and client notices
• Licensees who need 4 elective CE hours toward renewal
• P&C producers who want a practical review of commercial lines compliance
• Producers who want a 100% online, self-paced CE course with fast reporting

✅ Does This Course Satisfy the New York Requirement?

Yes. This course provides 4 hours of elective New York insurance continuing education credit.

It counts toward the 15 total CE credits generally required for New York insurance license renewal or relicensing. However, this is an elective course.

This course does not satisfy the separate 1-hour Insurance Law requirement, 1-hour ethics and professionalism requirement, 1-hour diversity/inclusion/elimination of bias requirement, 1-hour basic flood requirement, or 3-hour enhanced NFIP flood requirement.

If you want the full 15 hours for a Property & Casualty renewal in one purchase, see our 15 Hour New York P&C Insurance Renewal Package listed below.

✅ New York Insurance Continuing Education Requirements

Most New York insurance producers must complete 15 credits of approved continuing education during each licensing period once the license has been in effect for more than two years.

For many licensees, the 15 credits must 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 lines of property/casualty insurance
• At least 3 hours of enhanced flood insurance instruction, if selling flood insurance through the National Flood Insurance Program

Self-study and online courses require a passing grade on a final exam to receive CE credit.

New York resident licensees must take courses from a New York DFS-approved provider organization. Continuing education must be completed before the renewal or relicensing application is submitted.

✅ When Do New York Insurance Licensees Renew?

New York insurance licenses generally renew every two years. Expiration dates vary by licensee, so producers should check their license record to confirm the exact expiration date.

Individual and TBA producer licenses are generally eligible for renewal within 180 days of the expiration date.

Because continuing education must be completed before submitting the renewal application, it is best to complete your CE early instead of waiting until the final days before expiration.

✅ How to Renew Your New York Insurance License

Step 1: Confirm Your License Type and Expiration Date

Check your New York insurance license record and confirm your license type, lines of authority, and expiration date.

Step 2: Confirm Your CE Requirements

Most producers need 15 CE credits per licensing period. Your required topics may include Insurance Law, ethics and professionalism, diversity and bias elimination, flood insurance, enhanced NFIP flood, and elective credits.

Step 3: Enroll in This 4-Hour Elective Course

Enroll online and begin immediately. The course is self-paced and can be completed from a computer, tablet, or phone.

Step 4: Complete the Course and Final Exam

Review the course material, complete the required course steps, and pass the final exam required for online self-study credit.

Step 5: Receive Your Instant Emailed Certificate

After completing the course, your certificate is emailed immediately. Keep a copy for your records.

Step 6: We Report Your Completion

1st Choice CE reports your completed hours to New York within 24 hours when the correct license information is provided.

Step 7: Renew With the State

After completing all required CE, submit your renewal through the New York licensing system before your license expiration date.

✅ What You Will Learn

This course gives New York property and casualty producers a practical review of commercial lines compliance topics that affect daily producer work.

You will review:

• New York commercial lines rate regulation and rate standards
• How underwriting and rating variables affect premium discussions
• Commercial lines cancellation, nonrenewal, and conditional renewal rules
• Certificate of insurance rules and prohibited certificate practices
• Additional insured requests, waivers of subrogation, and endorsement verification
• Liability coverage communication and producer documentation
• Workers’ compensation placement considerations for New York employers
• Claims standards, Regulation 64 concepts, and producer boundaries during commercial claims
• Commercial risk-control habits that reduce errors and omissions exposure

✅ Course Content Overview

Hour 1: Commercial Lines Underwriting, Rating, and Policy Form Compliance

This section reviews New York commercial lines rating rules, policy form considerations, exposure data, and premium communication.

Topics include:

• New York property/casualty rate regulation under Insurance Law §§2301 and 2302
• How filed rates, rating plans, and policy forms affect coverage placement
• Rate standards under §2303
• Rates that must not be excessive, inadequate, unfairly discriminatory, destructive of competition, or detrimental to insurer solvency
• Rate-making and filing concepts under §§2304, 2305, 2306, and 2307
• Rating classifications, territories, and supporting information
• Commercial rating variables, including payroll, receipts, class codes, location, construction type, occupancy, vehicle use, loss history, and exposure changes
• Excess rates and special rating situations under §2309
• Documenting exposure data and explaining that final premium may change after underwriting, audit, endorsement, or inspection

Hour 2: Commercial Lines Cancellation, Nonrenewal, Conditional Renewal, and Client Notices

This section focuses on commercial policy cancellation and renewal rules, client notices, coverage replacement planning, and producer E&O risks.

Topics include:

• Commercial lines cancellation and renewal framework under Insurance Law §3426
• Meaning of covered policy, required policy period, cancellation, nonrenewal, and conditional renewal
• Mid-term cancellation restrictions under §3426
• Permitted reasons for cancellation and required notice to the first-named insured
• Nonrenewal and conditional renewal procedures
• Premium increases, reduced limits, restrictive endorsements, and notice-date documentation
• Responding when a client receives a cancellation, nonrenewal, or conditional renewal notice
• Coverage replacement planning and documenting client instructions
• Producer E&O risks involving coverage gaps, late remarketing, inaccurate renewal summaries, and undocumented recommendations
• Applying §3426 to general liability, commercial property, business auto, inland marine, umbrella/excess liability, and package policies

Hour 3: Certificates of Insurance, Additional Insured Requests, and Liability Coverage Communication

This section reviews certificate of insurance rules, additional insured issues, liability coverage communication, and endorsement verification.

Topics include:

• Certificate of insurance definition under Insurance Law §501
• Certificates as evidence of property/casualty coverage, not a policy or binder
• Prohibited certificate practices under Insurance Law §502
• The rule that a certificate cannot amend, extend, or alter coverage
• Certificate form requirements under §502
• Insurer-promulgated forms, approved standard certificate forms, and Superintendent-approved alternatives
• Liability insurance provisions under Insurance Law §3420
• Notice issues, disclaimers, and injured person rights against the insurer
• Additional insured status, waiver of subrogation, primary and noncontributory wording, contractual liability, endorsements, exclusions, and limits
• Matching contractual insurance requirements against the actual policy in writing
• Avoiding coverage promises and verifying endorsements before making coverage statements

Hour 4: Workers’ Compensation, Claims Standards, and Commercial Risk Control

This section reviews workers’ compensation placement, claims-handling standards, producer boundaries, and commercial account risk-control workflows.

Topics include:

• New York employer workers’ compensation coverage obligations under Workers’ Compensation Law §50
• Employer duty to secure compensation by insurance, self-insurance, or another authorized method
• Workers’ compensation placement considerations
• Legal entity identification, employee classification, payroll estimates, experience rating, subcontractor exposure, and audit documentation
• Unfair claims settlement practices under Insurance Law §2601
• DFS Regulation 64, 11 NYCRR Part 216, as a claims-handling framework
• Prompt communication, investigation, coverage explanation, and avoiding misleading claim information
• Producer boundaries during commercial claims
• Helping insureds report claims without unauthorized adjusting or coverage determinations
• Renewal risk-control reviews involving certificates, leases, contracts, fleet changes, subcontractor controls, payroll audits, claims trends, loss runs, and written recommendations

✅ Other New York Insurance CE Courses

Need more New York insurance CE? Here are other New York insurance courses and packages available from 1st Choice Continuing Education:

• 1 Hour New York Insurance Law Online CE Course – $9.99
• 1 Hour Ethics and Professionalism Online CE Course – $9.99
• 1 Hour Diversity, Inclusion, and Elimination of Bias Online CE Course – $9.99
• 1 Hour Basic Flood Insurance Online CE Course – $9.99
• 3 Hour Enhanced NFIP Flood Insurance Online CE Course – $14.99
• 4 Hour New York Flood Package – $19.99
• 4 Hour New York Property & Casualty Insurance Compliance – Part 1 Online CE Course – $19.99
• 3 Hour New York Mandatory Topics Package – $14.99
• 15 Hour New York P&C Insurance Renewal Package – $39
• 15 Hour New York Life, Accident & Health Renewal Package – $39

✅ Why Choose 1st Choice CE?

• Approved by the New York State Department of Financial Services
• Provider #NYPO-104705 and Course #NYCS-285088
• Affordable price — only $19.99
• 4 hours of New York insurance elective CE
• 100% online and self-paced
• Log in and out anytime without losing your progress
• Instant emailed certificate when you finish
• Course completion 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

Complete your 4 Hour New York Property & Casualty Insurance Compliance – Part 2 Online CE Course today for only $19.99.

This New York DFS-approved course is fast, affordable, self-paced, and designed for property and casualty producers who need elective CE credit for license renewal.