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.

Need More Texas Insurance CE Hours?

We offer complete Texas insurance CE packages and individual courses for agents who need approved continuing education for license renewal. Choose a full 24-hour package or select individual courses based on your license type and renewal needs.

Texas Insurance CE Packages

• 24-Hour Property & Casualty CE Package – Texas Insurance Agent — $69
• 24 Hour Life & Health CE Package – Texas Insurance Agent — $69

Individual Texas Insurance CE Courses

• 3 Hour Ethics for Insurance Agents – Texas — $19.99
• 3-Hour Flood Insurance (NFIP) – Texas — $19.99
• 8-Hour Initial LTC Partnership Training – Texas — $39.99
• 4 Hrs Ongoing Long-Term Care Insurance Partnership Training – Texas — $19.99
• 4-Hour Annuity Best Interest/Suitability – Texas — $19.99
• 4 HRs Medicare Advantage and Part D Update (CEQ) — $19.99
• 4 HRs Health Insurance and Affordable Care Act Updates (CEQ) — $19.99
• 5 HRs Life Insurance Products and Retirement Planning (CEQ) — $19.99
• 3 HRs Emerging Risks and Specialty Coverages (CEQ) — $19.99
• 4 HRs Personal Auto and Umbrella Insurance (CEQ) — $19.99
• 3 HRS Insurance Fraud and Claims Handling (P&C Focus) (CEQ) — $19.99
• 4 HRs Commercial Lines Insurance Essentials (CEQ) — $19.99
• 4 HRs Texas Homeowners Insurance Overview (CEQ) — $19.99