State-Approved Property & Casualty Continuing Education

Property & Casualty continuing education is the state-mandated training that licensed P&C insurance producers must complete each renewal cycle to keep their license active. Coursework covers property coverage (homeowners, commercial property, inland marine), casualty coverage (personal and commercial auto, general liability, workers' compensation, professional liability), ethics, and any state-specific topics such as flood (NFIP), anti-fraud, or state insurance law updates.

Anyone holding an active resident or non-resident Property & Casualty producer license — including Personal Lines and Commercial Lines sub-licenses in states that issue them. If you sell auto, homeowners, business, or workers' comp insurance, your state's Department of Insurance requires you to complete P&C CE on a recurring schedule. Life & Health-only producers do not satisfy P&C CE with their L&H credits; the two are tracked separately.

Most states run a 2-year renewal cycle for P&C licensees. A handful operate on different cycles — Iowa is 3 years, Arizona is 4 years, and Massachusetts has both 3-year and extended-cycle tiers. Your CE deadline is typically tied to your license expiration date, and credits must be reported before that date to avoid a lapse.

Yes — significantly. Most states require 24 hours per cycle (typically 21 P&C electives + 3 ethics). Virginia requires only 16 hours per 2-year cycle. Kansas requires 18 hours. Iowa requires 36 hours per 3-year cycle. Arizona requires 48 hours per 4-year cycle. Florida is 20 hours per 2-year cycle for established producers, while Massachusetts has both 45-hour and 60-hour tiers. Always check your specific state page for the exact breakdown that applies to your license type.

Federal law requires every producer who sells flood insurance under the National Flood Insurance Program to complete a one-time 3-hour NFIP basic training plus ongoing training for renewals. This is separate from your standard P&C CE. Several state P&C packages — including our Florida Homeowners + Flood track — bundle NFIP-aligned content. Kansas, in particular, requires P&C and Personal Lines licensees who write flood coverage to complete the dedicated 3-hour NFIP course in addition to standard CE.

JustInsurance electronically reports your completion to your state's Department of Insurance the same business day you finish the course. Credits appear in the state's tracking system immediately, which protects your renewal from being blocked by a reporting lag. You receive a completion certificate by email at the same time so you have proof of credit on file.

No. State Departments of Insurance track L&H and P&C credits in separate buckets, and a credit from an L&H-approved course does not count toward your P&C requirement (and vice versa). If you hold both license types, you need to complete both CE packages — but they can be done in parallel. Our L&H CE catalog is available at the Continuing Education hub, and pricing matches our P&C packages.

Consequences vary by state, but the typical pattern is: your license becomes inactive on the expiration date, you cannot legally write new business, and you have a grace period (commonly 60 to 90 days) to complete your CE and pay a reinstatement fee. After the grace window, most states require you to re-apply as a new applicant — which can mean retaking the prelicensing course and the state exam. Always complete CE before your deadline, and use a same-day reporting provider so credits hit the state system immediately.