District of Columbia Insurance Producer CE Requirements, Explained
Last reviewed June 2026 against the official sources linked below. Requirements change — always confirm with your board before relying on them.
Total hours
24 hours per term
Renewal cycle
Every 2 years
Ethics requirement
3 hrs (within the 24)
Issued by
DC Dept. of Insurance, Securities and Banking
The District of Columbia runs a standard 24-hour, two-year cycle with 3 hours of ethics built in - 21 general hours plus the 3 ethics hours. The catch most producers miss is that DC does not allow any carryover, so every cycle starts at zero and the surplus from a strong year is simply gone.
The DC Department of Insurance, Securities and Banking (DISB) oversees producer licensing. Your renewal is pegged to the last day of your birth month, and property and casualty producers carry a one-time flood obligation on top of the ethics hours.
The base requirement: 24 hours, 3 of them ethics
DISB requires producers holding a major line of authority (life, accident and health, property, or casualty) to complete 24 credit hours of approved continuing education each two-year license term, made up of 21 general hours and 3 ethics hours. The ethics hours count within the 24, not on top of it, and no more than 3 ethics hours may be applied in a single renewal period.
Flood, dual licenses, and the no-carryover rule
- Property/casualty and personal lines producers must complete a one-time 3-hour NFIP flood insurance course in their first license renewal compliance period.
- Producers licensed in both Life and Health and Property and Casualty must earn at least 6 credit hours in each of those two groups.
- No carryover: excess hours do not roll into your next term, and surplus ethics hours will not convert to general credit.
- You cannot take the same course more than once in a single reporting period, and no more than half of your hours may come from company-sponsored courses.
Stop tracking this in a spreadsheet
Progress rings per requirement, private certificate storage, deadline reminders, and a one-click audit packet. Set up in two minutes — free for your first license.
Start tracking — freeYour deadline and the reporting buffer
Your license renews biennially on the last day of your birth month. Because providers need time to report completions to DISB before your renewal can be approved, the Department recommends finishing your hours at least 15 business days before your expiration date. Plan backward from that buffer rather than from the printed expiration.
How CredTally keeps this on autopilot
- Track 24 hours with a dedicated 3-hour ethics bucket plus a one-time flood bucket for P&C - the dashboard shows progress in each separately so a missing category cannot slip past.
- Multi-state producers: every license gets its own card, deadline, and reminders, so DC's birth-month cycle never collides with another state's clock.
- Store every certificate with the course it proves, so DISB reviews and renewals are a download, not a hunt.
- Reminders at 90, 60, 30, and 7 days before each license's deadline, with your remaining hours front and center - early enough to beat the reporting lag.
- Export a dated PDF packet - summary plus every certificate - for an audit or carrier review in one click.
Frequently asked questions
How many CE hours do DC insurance producers need?
Twenty-four credit hours every two-year license term for a major line of authority - 21 general hours plus 3 hours of ethics.
Do ethics hours count toward the 24 in DC?
Yes - the 3 ethics hours are part of the 24 total, not in addition to it, and no more than 3 ethics hours can be applied in one renewal period.
Can I carry over extra CE hours in DC?
No. The District does not allow carryover, and surplus ethics hours will not roll over as general credit. Each cycle starts at zero.
Do DC property and casualty producers need flood CE?
Yes - property/casualty and personal lines producers must complete a one-time 3-hour NFIP flood insurance course in their first renewal compliance period.
Official sources
CredTally is a record-keeping tool and is not affiliated with any licensing board. This guide is general information, not legal or compliance advice.
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