New York 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
15 credits per term
Renewal cycle
Every 2 years
Ethics requirement
1 hr ethics + 1 hr law + 1 hr DEI (within the 15)
Issued by
NY Department of Financial Services
New York is the odd one out: where most states ask for 24 hours, New York requires just 15 credits every two-year term. But the lower total comes with three specific mandatory hours that producers often overlook - and New York is strict about there being no carryover and no course repeats.
The Department of Financial Services (DFS) regulates producers here. Since renewals on or after April 1, 2022, the mandatory topic mix has included a diversity, inclusion, and elimination-of-bias hour - New York was the first state regulator to require it.
The base requirement: 15 credits with three required hours
DFS requires 15 credit hours of approved continuing education every two-year renewal period for most producer licenses. Within those 15, you must complete at least 1 hour of insurance law, at least 1 hour of ethics and professionalism, and at least 1 hour of diversity, inclusion, and the elimination of bias. These three count inside the 15, not on top of it.
Flood, carryover, and repeats
- Producers licensed for property/casualty must also complete at least 1 hour of flood insurance instruction; those selling NFIP flood coverage need at least 3 hours of enhanced flood instruction.
- No carryover: excess credits do not roll into your next term - you start each cycle at zero.
- No repeats: you cannot earn credit for the same course twice across your term.
- Renewals tie to your birthday; you can renew up to 180 days before the expiration date.
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 — freeWhy the multi-state angle matters here
New York's 15-credit structure looks lighter than its neighbors, but the three mandatory single-hour topics make it easy to come up one credit short in exactly the wrong category. If you also hold licenses in states that want 24 hours and 3 full ethics hours, you are juggling two completely different rule sets - different totals, different ethics math, different deadlines. Tracking them in one place is the only way to keep each one honest.
How CredTally keeps this on autopilot
- Track 15 credits with separate buckets for the law, ethics, and diversity/inclusion hours - so a missing single-hour topic is impossible to miss.
- Multi-state producers: every license gets its own card, deadline, and reminders, so New York's 15-credit rules never get confused with a 24-hour state next door.
- Store every certificate with the course it proves, so DFS 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 credits front and center.
- 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 New York insurance producers need?
Fifteen credits every two-year renewal period, including 1 hour of insurance law, 1 hour of ethics and professionalism, and 1 hour of diversity, inclusion, and elimination of bias.
Does New York require diversity training for insurance producers?
Yes - since renewals on or after April 1, 2022, at least 1 of your 15 credits must cover diversity, inclusion, and the elimination of bias. New York was the first state to require it.
Can I carry over extra CE credits in New York?
No. New York does not allow carryover, and you cannot earn credit for the same course more than once in a term.
Do New York producers need flood insurance CE?
If you are licensed for property/casualty, yes - at least 1 hour of flood instruction, or at least 3 hours of enhanced flood instruction if you sell NFIP flood coverage.
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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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.
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