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Contact

(212) 480-6400

Mail

licensing@dfs.ny.gov

Address

New York State Department of Financial Services 1 State Street New York, NY 10004-1511 United States

New York Licensing and Renewal Guide for Property and Casualty Insurance

last updated 1 Oct 2025

New York Licensing and Renewal Guide for Property and Casualty Insurance

What this guide will teach you:

  1. How to apply for and renew a New York producer license for property/casualty insurance services. 
  2. Fees for obtaining and maintaining insurance licenses. 
  3. How to meet continuing education (CE) requirements and deadlines. 
  4. How to access resources and contact information to simplify the process. 

Rules and Requirements for New York Property and Casualty/Health/Financial Insurance Licenses

What is the minimum age to apply for a new license?

Applicants must be at least eighteen (18) years old.

Do I need to provide any specific identification to apply?

Yes, you must have either a SSN (Social Security Number) or a FEIN (Federal Employer Identification Number).

Is proof of residency required?

Yes, you are required to provide proof of residency within the state of New York.

Are there any exams I need to pass to get my license?

Yes, you must complete pre-licensing education and the state-approved licensing exam.

Do I need to complete fingerprinting as part of the application process?

Yes, fingerprinting is required.

Are there character requirements to qualify for a license?

Yes, you must pass a state and federal criminal history background check.

How to Apply for and Renew a Producer License in New York

Applying for a New Producer License

Applying for a New Producer License

  1. Complete the 90-hour state-approved Property and Casualty (40-hours Personal Lines or Life, Accident, and Health/20-hours Accident and Health only) pre-licensing courses and licensing exams. 
  2. Complete fingerprinting through IdentoGO Live Scan
  3. Apply for a new license via the National Insurance Producer Registry with supporting documents and pay the licensing fees.  

Renewing a License

Renewing a New York Producer License

  1. Complete and verify continuing education (CE) hours. 
  2. Submit an electronic application and pay licensing fees through the NIPR.  

Renewal Period: Licenses require renewal every 2 years on the licensee’s birthday. License renewals are possible up to 180 days before the expiration.

Late Renewals: Licensees in New York may begin renewing their licenses up to 180 days before the expiration date. However, if renewal occurs within 60 days of expiration, a $10.00 late fee will be assessed. Please note that New York does not offer a grace period after a license expires—failure to renew within the allotted timeframe may result in having to restart the licensing process entirely.

Non-Resident Producer Licensing

New York has reciprocity arrangements with most states and issues non-resident licenses in the same line(s) of authority to applicants who are compliant with their resident state’s requirements.

Non-Resident Producer Licensing

  1. A licensee must hold an active license in good standing in the resident state and be appointed in New York. 
  2. Submit fingerprints through IdentoGO. 
  3. Apply electronically via the National Insurance Producer Registry. 

Note: Licensees can transfer a resident license from another state to New York within 90 days of relocating (after surrendering the previous resident license) without having to retake the licensing exams. Provide a Letter of Certification or Letter of Clearance from the previous home state.

Business Entity Applications

New York Business Entity Insurance License Applications

  1. Request name approval from the Department of Financial Services by emailing licensing@dfs.ny.gov. 
  2. Submit an electronic application online at the National Insurance Producer Registry. 
  3. Pay the state license fee of $50. 

New York Producer Licensing Fees

Fees Price
Resident/Non-Resident         New License Fee $80 (2 years)                      $40 (1 year)
Resident/Non-Resident Renewal Fee                                        $80
CE Reinstatement Fee $10
Fingerprinting live scan *subject to change
New York License Exam Fee $40

Disclaimer: Fees and requirements may change at any time without prior notice. For the most accurate and up-to-date details, we recommend verifying fees through the New York Department of Financial Services directly.

Insurance Pre-licensing and Continuing Education (CE) in New York

CE requirements include:  

15 hours for life, accident and health or sickness, property, casualty, or personal lines 

  • 1 hour of insurance law instruction. 
  • 1 hour of ethics and professionalism instruction. 
  • 1 hour of diversity, inclusion, and elimination of bias instruction. 
  • 1 hour of flood insurance instruction if the licensee is licensed to sell one or more lines of property/casualty insurance. 
  • 3 hours of enhanced flood insurance instruction if the licensee sells flood insurance through the NFIP. 

More information about New York CE requirements is available at the New York Department of Financial Services website.  

FAQs

Licenses are perpetual but require renewal and completion of CE every two years. If your birthday falls on an even/odd numbered year, you’ll renew your license on an even/odd numbered year. Renew your license anytime from 180 days before the expiration date.

If a licensee fails to complete CE requirements a licensee has 2 years to relicense. After 2 years, the licensee must apply as a new applicant and retake the exams. 

Use the VerifyMyCE page to verify your CE credits

You can check your application status on the NIPR website.

Disclaimer: This post is for informational purposes only and does not constitute legal or compliance advice. Agenzee does not warrant the accuracy of and assumes no liability for reliance. Please consult regulators or professional advisors as needed. See our full disclaimer for details.

Disclaimer

The information shared in this Resource Center is provided for general educational purposes only. It is not intended as legal, compliance, financial, or other professional advice, and should not be relied upon as such. Laws and regulatory requirements change frequently, and applications may vary depending on your circumstances, so you should verify requirements directly with applicable regulators and seek advice from qualified professionals as needed before choosing to rely solely on information shared in this blog. Agenzee makes no representations or warranties regarding the accuracy, completeness, or timeliness of the information, and assumes no liability for any loss or damages arising from its use. Agenzee is an independent provider of certain services and is not affiliated with or endorsed by the National Insurance Producer Registry (NIPR) or any state regulatory authority.

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Customers Opinions on Our Services and Products

What Our Customers Say

Find out why our customers are happy they chose Agenzee.

Teddy T.

One of the standout features for us is the direct integration with NIPR, which has turned the once-tedious process of handling bulk renewals into a breeze, allowing us to conserve time for driving sales and supporting our clients.

Tasha D.

We've been using Agenzee at PolicyWatch, and it's been a game changer. It's streamlined our license management processes, saving us time and reducing the risk of non-compliance. Agenzee is an essential tool that has significantly improved our operational efficiency and peace of mind.

Zachary G.

Agenzee has helped our agency keep everything organized and in one place. The integration with NIPR is an extremely valuable tool that is hugely helpful when it comes to license expirations and renewals. The ability to request renewals in bulk all within the Agenzee system is a huge time saver!

Kristina B.

Agenzee has had a significant impact on our daily operations by saving us a tremendous amount of time. Instead of dedicating hours to manually maintaining a complex Excel spreadsheet, we now have an efficient system. This has allowed us to focus more on core business activities rather than administrative tasks.

Deborah N.

There is so much Agenzee offers that makes our jobs with licensing and appointments so much easier!

Taylor F.

With Agenzee, being a one-stop shop for licenses, appointments, and now CE's, this has given our producers more independence to monitor their own progress without feeling like they have to look in multiple places.

Jesse H.

We like the clean, modern look of the system, as well as the dashboard, ability to give admins access to only certain areas, onboarding, packages and the resource library.