Key Takeaways
- Pennsylvania P&C insurance licenses are valid for 2 years and must be renewed before expiration
- Renewal requires 24 hours of continuing education, including 3 hours of ethics
- Address and name changes must be reported to the Department within 30 days
- Licenses not renewed within certain timeframes may require re-examination
- The Department can discipline licensees including suspension, revocation, or fines
Last updated: January 2026
License Maintenance and Continuing Education
Pennsylvania P&C insurance licenses require ongoing maintenance through continuing education and timely renewal.
License Terms and Renewal
| Item | Requirement |
|---|---|
| License Term | 2 years |
| Renewal Fee | Varies by license type |
| Late Renewal | Penalty fees may apply |
| Expired License | May require re-examination |
Renewal Process
- Online Renewal through NIPR or Department website
- CE Completion before renewal
- Renewal Window typically 90 days before expiration
- License lapses if not renewed by expiration date
Continuing Education Requirements
Pennsylvania requires 24 hours of continuing education (CE) every 2 years:
CE Requirements
| Requirement | Hours |
|---|---|
| Total CE Hours | 24 |
| Ethics (required) | 3 |
| Electives | 21 |
| CE Period | 2 years (matches license term) |
CE Course Requirements
- Must be completed at Department-approved providers
- Online and classroom options available
- Cannot repeat same course within 2-year period
- CE must be completed BEFORE license expiration
Exemptions
First-time licensees may be exempt from CE for their first renewal period if licensed less than one year.
Reporting Requirements
Pennsylvania producers must notify the Department of changes:
Required Notifications
| Change Type | Timeframe |
|---|---|
| Change of business address | 30 days |
| Change of residence address | 30 days |
| Change of name | 30 days |
| Administrative actions by other states | 30 days |
| Criminal charges or convictions | 30 days |
Disciplinary Actions
The Pennsylvania Insurance Department can take disciplinary action against licensees for violations:
Types of Discipline
| Action | Description |
|---|---|
| Letter of Warning | Minor first offense |
| Probation | License continues with conditions |
| Suspension | Temporary loss of license |
| Revocation | Permanent loss of license |
| Fine | Monetary penalties per violation |
| Restitution | Payment to harmed parties |
Common P&C Violations
- Misrepresentation of policy terms or coverage
- Failure to disclose material information
- Unfair claims practices
- Commingling of funds
- Failure to maintain CE requirements
- Operating with lapsed license
License Status Types
| Status | Meaning |
|---|---|
| Active | License current and in good standing |
| Inactive | Not actively practicing |
| Expired | License term ended, not renewed |
| Suspended | Temporary disciplinary action |
| Revoked | License permanently cancelled |
| Surrendered | Voluntarily gave up license |
Appointing Companies
P&C agents must be appointed by insurers to sell their products:
Appointment Requirements
- Appointment Required: Before selling an insurer's products
- Appointment Fee: Paid by insurer to the Department
- Termination Reporting: Insurers must report terminations to Department
- For Cause Terminations: May trigger Department investigation
Appointment Timeframes
- Insurers must file appointments within 15 days
- Terminations must be reported within 30 days
- For-cause terminations require specific explanation
Test Your Knowledge
How many hours of continuing education does Pennsylvania require for P&C license renewal?
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Test Your Knowledge
Within how many days must a Pennsylvania producer report a change of address to the Department?
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