Florida Property & Casualty CE Package

Florida requires Property & Casualty insurance producers to complete 26 hours of continuing education every 2 years, including 4 hours of law & ethics update. Our FL Personal Auto CE package satisfies this requirement in a single bundle. (For comparison, Florida Life & Health agents need 24 hours every 2 years with 4 ethics hours — a different requirement set.)

Life & Health (L&H) CE covers life insurance, annuities, health insurance, Medicare, and long-term care topics. Property & Casualty (P&C) CE covers personal auto, homeowners, commercial property, general liability, workers' compensation, and similar coverages. The two CE tracks are tracked separately by the Florida Department of Financial Services — completing L&H CE does NOT count toward your P&C requirement, and vice versa. Dual-licensed agents must complete CE for each line they hold.

Yes. The FL Personal Auto CE package includes 4 hours of Law & Ethics Update — the exact ethics module required by the Florida Department of Financial Services for P&C CE renewal. You do not need to enroll in a separate ethics course.

When you complete your final module, JustInsurance electronically reports your CE completion to the Florida Department of Financial Services the same business day. Most states post the credit to your license record within 3-5 business days. There are no certificates to mail and no additional forms to submit on your end.

Missing your CE deadline can result in license suspension, late fees, and reinstatement requirements. Florida typically requires you to complete all overdue CE plus any reinstatement penalties before your license is reactivated. We recommend completing your CE at least 30 days before your renewal date — the entire FL Personal Auto CE package can be finished in a single sitting if needed.

Yes. Florida treats L&H CE and P&C CE as separate compliance tracks. You'll need to complete the full 26 hours of P&C CE for your P&C license AND the 24 hours of L&H CE for your L&H license each renewal cycle. JustInsurance offers both — you can bundle them at checkout.

Personal Injury Protection (PIP), uninsured motorist, and FL-specific auto coverage requirements covered in depth. All other modules in the FL Personal Auto CE package are also state-approved by the Florida Department of Financial Services for P&C CE credit.