24-Hour Property & Casualty Insurance CE Package - West Virginia

✅ Approved by West Virginia Offices of the Insurance Commissioner | Provider #236324 | Includes 7 Approved Courses | Only $84.99 | Instant Emailed Certificate | 100% Online & Self-Paced

Complete all 24 West Virginia continuing education hours — including the required 3 hours of ethics — in one WV Offices of the Insurance Commissioner-approved online package for $84.99. Bought separately these 7 courses total $139.93, so the package saves you $54.94.

Every course is 100% online and self-paced, and you can log in and out without losing progress. A certificate is emailed to you the moment you finish each course, and 1st Choice CE reports your approved completions to West Virginia. The whole package is backed by our money-back guarantee, with support by phone or text at 1-800-698-2770.

✅ Course Details

• Package Name: 24-Hour Property & Casualty Insurance CE Package - West Virginia
• Approved By: West Virginia Offices of the Insurance Commissioner
• Provider Number: 236324
• Courses Included: 7 separately approved courses
• Package Length: 24 credit hours
• Course Category: Property And Casualty
• Course Format: 100% online, self-paced
• Price: $84.99 (separately $139.93 — you save $54.94)
• Certificate: Emailed immediately as you complete each course
• Reporting: 1st Choice CE reports approved completions to West Virginia
• Support: Phone or text 1-800-698-2770

✅ What's Included in This Package

• 3 Hour Ethics for Insurance Agents — 3 hours — Course #113669
• 3 HRs Emerging Risks and Specialty Coverages — 3 hours — Course #114968
• 3 Hrs Insurance Fraud and Claims Handling (P&C Focus) — 3 hours — Course #114970
• 3-Hour Flood Insurance (NFIP) — 3 hours — Course #113670
• 4 HRs Commercial Lines Insurance Essentials — 4 hours — Course #114971
• 4 HRs Personal Auto and Umbrella Insurance — 4 hours — Course #114969
• 4 HRs Homeowners Insurance Overview — 4 hours — Course #114972

Total: 24 credit hours across 7 approved courses.

✅ Who Should Take This Course?

• West Virginia resident property and casualty insurance producers renewing a license
• Producers who want the entire 24-hour requirement handled in one purchase
• Agents who have not started their continuing education and are close to a deadline
• Producers who want the required ethics hours included rather than bought separately
• Agents who prefer one price with no per-course fees
• Agency staff coordinating renewals for multiple producers

✅ Does This Course Satisfy the State Requirement?

Yes. This package is designed to satisfy the full 24-hour West Virginia continuing education requirement for a standard two-year (biennial) compliance period, including the 3-hour ethics requirement. Every course in it is separately approved by the West Virginia Offices of the Insurance Commissioner under provider #236324.

✅ West Virginia Continuing Education Requirements

West Virginia resident insurance producers complete 24 credit hours of approved continuing education during each two-year compliance period, and at least 3 of those hours must be ethics credit. The compliance period is coextensive with the license period, so a producer's CE deadline is the same as the license expiration date. West Virginia does not cap self-study or online hours, which means an approved online course can be used for any part of the 24-hour total.

• 24 credit hours of approved continuing education per biennial compliance period
• 3 of those 24 hours must be in ethics — ethics hours cannot be met with general credit
• The remaining 21 hours may be general or elective insurance credit
• No self-study cap. West Virginia does not limit how many of the 24 hours may be completed by approved self-study or online instruction
• Producers who sell long-term care insurance must complete a one-time 8-hour LTC training and at least 4 hours of ongoing LTC training each biennium thereafter
• Producers who sell annuities must complete a one-time 4-hour annuity training
• Up to 6 excess credit hours may be carried into the next biennium; ethics and long-term care hours do not carry over as ethics or LTC credit

How this package helps: This package provides all 24 hours West Virginia requires for each two-year (biennial) compliance period, including the 3 required ethics hours. It is a complete renewal package — no additional coursework is needed for the standard producers requirement. Producers who sell long-term care or annuity products may still owe separate product-specific training; check your license record if either applies to you.

✅ When Do Licensees Renew?

West Virginia resident producer licenses are issued on a biennial cycle and expire on the last day of the licensee's birth month. Continuing education must be complete by that expiration date. Because approved providers are allowed up to 30 days to file completion rosters with the state, the Insurance Commissioner advises producers not to wait until the final weeks — a course finished fewer than 30 days before expiration may not post in time for the renewal to process. There is no grace period to keep transacting business after expiration, although a separate late-renewal path exists for up to twelve months after the expiration date.

✅ How to Renew Your License

Step 1: Confirm your license type and expiration date

Check your West Virginia license record for your exact expiration date — the last day of your birth month — and confirm which lines of authority you hold.

Step 2: Review your current CE transcript

Look at your continuing education transcript to see how many general and ethics hours are already posted for the current biennium, and what is still outstanding.

Step 3: Complete the full 24 hours, including 3 ethics hours

Finish all required coursework before your expiration date. Ethics credit must come from courses approved in the ethics category.

Step 4: Allow time for provider reporting

Approved providers have up to 30 days to report completions. Finish your coursework at least 30 days before expiration so the credit posts before you renew.

Step 5: Verify the credits posted

Re-check your CE transcript and confirm that every course appears with the correct hour count and category before you start the renewal.

Step 6: Submit your renewal and pay the fee

File your producer renewal electronically through the state's designated licensing system, or by the paper renewal application the Commissioner accepts, and pay the renewal fee.

Step 7: Save your records and confirm active status

Keep your completion certificates — West Virginia requires licensees to retain them for at least four years — and verify your license shows an active status with an updated expiration date.

✅ What You Will Learn

• The ethics standards and consumer-protection duties West Virginia requires of every producer
• How the major policy forms in your lines are structured and where they leave gaps
• Current market and regulatory developments affecting the products you sell
• Practical claim, underwriting and suitability judgment you can use on live accounts
• How to spot coverage gaps and uncovered exposures during an account review
• Everything needed to satisfy your full 24-hour West Virginia requirement

✅ Course Content Overview

3 Hour Ethics for Insurance Agents (3 hours)

3 approved credit hours covering the required subject matter for this topic in West Virginia. Approved under state course #113669.

3 HRs Emerging Risks and Specialty Coverages (3 hours)

Defines what makes a risk 'emerging,' walks through cyber and data-breach exposure, technology errors and omissions, and how carriers have responded with sublimits, coinsurance and ransomware exclusions. Covers reputational and business-interruption follow-on losses. Examines wildfire, severe convective storm, flood and named-storm exposure; percentage deductibles; valuation disputes; and how reinsurance cost flows through to the insured. Reviews parametric and layered structures.

3 Hrs Insurance Fraud and Claims Handling (P&C Focus) (3 hours)

Distinguishes application fraud, premium fraud, claim fraud and provider fraud. Reviews the cost borne by honest policyholders, the role of fraud bureaus and special investigation units, and the criminal and civil consequences of participating in fraud. Practical indicator sets for auto theft and total loss, water and fire property claims, staged losses, inflated repair estimates, and workers' compensation malingering. Emphasizes that a red flag is a reason to investigate, not a conclusion.

3-Hour Flood Insurance (NFIP) (3 hours)

3 approved credit hours covering the required subject matter for this topic in West Virginia. Approved under state course #113670.

4 HRs Commercial Lines Insurance Essentials (4 hours)

Building and business personal property, causes-of-loss forms, replacement cost versus actual cash value, coinsurance penalties, blanket versus scheduled limits, and how the commercial package is constructed. Coverage A, B and C; occurrence versus claims-made; the products-completed operations hazard; key exclusions; additional insured status; and primary and noncontributory wording. Business income and extra expense worksheets and the period of restoration; commercial auto covered-auto symbols, hired and non-owned exposure; and contractors equipment and installation floaters.

4 HRs Personal Auto and Umbrella Insurance (4 hours)

Declarations, definitions and the four coverage parts. Covers who is an insured, covered autos, newly acquired vehicles, temporary substitutes and non-owned autos. Part A liability including split and combined single limits, supplementary payments, Part B medical payments, and Part C uninsured and underinsured motorist coverage with stacking considerations. Collision and other than collision, deductibles, actual cash value total loss settlement, betterment, transportation expense, and the exclusions that most often surprise insureds: livery and rideshare, business use, and racing.

4 HRs Homeowners Insurance Overview (4 hours)

The ISO homeowners family, the difference between named-peril and open-peril coverage, eligibility, and how HO-4 renters and HO-6 condominium unit-owners forms differ from a dwelling form. Coverage A dwelling, B other structures, C personal property and D loss of use; how B, C and D derive from A; special limits on jewelry, firearms and currency; and the perils insured against. Replacement cost versus actual cash value, roof-surfacing schedules, percentage wind and named-storm deductibles, and the major exclusions including flood, earth movement, wear and tear, and ordinance or law.

✅ Other Related Courses

• 3 Hour Ethics for Insurance Agents - West Virginia – $19.99
• 3 HRs Emerging Risks and Specialty Coverages - West Virginia – $19.99
• 3 Hrs Insurance Fraud and Claims Handling (P&C Focus) - West Virginia – $19.99
• 3-Hour Flood Insurance (NFIP) - West Virginia – $19.99
• 4 HRs Commercial Lines Insurance Essentials - West Virginia – $19.99
• 4 HRs Personal Auto and Umbrella Insurance - West Virginia – $19.99
• 4 HRs Homeowners Insurance Overview - West Virginia – $19.99

✅ Why Choose 1st Choice CE?

• Every course approved by the West Virginia Offices of the Insurance Commissioner — provider #236324
• $84.99 for all 7 courses, versus $139.93 separately
• No hidden or per-course fees
• 100% online and self-paced — log in and out anytime without losing progress
• Instant emailed certificate as you finish each course
• We report approved completions to West Virginia
• Money-back guarantee
• Over 10 years of continuing education experience
• Support by phone or text at 1-800-698-2770

✅ Enroll Now

Enroll in the 24-Hour Property & Casualty Insurance CE Package - West Virginia today for $84.99 and handle your entire 24-hour requirement in one purchase. Certificates are emailed as you finish each course, and every enrollment is backed by our money-back guarantee. Questions? Call or text 1-800-698-2770.

✅ Frequently Asked Questions

Is this package approved in West Virginia?

Yes. All 7 courses are approved by the West Virginia Offices of the Insurance Commissioner under provider #236324. Each course carries its own state course number, listed on this page.

Does this package complete my entire West Virginia renewal requirement?

Yes. It provides all 24 hours required for a standard two-year (biennial) compliance period, including the 3 required ethics hours.

Does it include the ethics requirement?

Yes. The 3-hour ethics course is included and is approved in the ethics category.

How many courses are in the package?

7 separate approved courses, totaling 24 hours.

How much do I save versus buying the courses separately?

Purchased individually these courses total $139.93. The package is $84.99, a savings of $54.94.

Are there any hidden or per-course fees?

No. $84.99 is the total price for all 7 courses.

Do I have to take the courses in order?

No. You can take them in any order and complete them across as many sessions as you like.

Is everything online and self-paced?

Yes. Every course in the package is 100% online and self-paced.

Will I lose my progress if I log out?

No. Your progress saves automatically in every course.

How do I get my certificates?

A certificate is emailed to you the moment you complete each course in the package.

Do you report my completions to the state?

1st Choice CE reports approved completions to West Virginia electronically. Keep your certificate, because West Virginia requires licensees to retain completion certificates for at least four years and to produce them on request.

When is my continuing education due?

West Virginia resident producer licenses are issued on a biennial cycle and expire on the last day of the licensee's birth month.

Do I still need long-term care or annuity product training?

Possibly. Producers who sell long-term care or annuity products may owe separate one-time product training beyond the standard renewal requirement. Check your license record if either applies to you.

Is there a money-back guarantee?

Yes. The entire package is backed by our money-back guarantee.

Can I get help if I have a question?

You can reach our support team by phone or text at 1-800-698-2770.