Colorado · Property & Casualty
Comprehensive Producer P&C CE (24 Hours)
This course is approved by the Colorado Division of Insurance for Continuing Education Credit — 24 credit hours. Course #67673, Provider #237818 (Elite Online Training Academy LLC). Cost is shown above; see our cancellation and refund policy.
11
Sections
45
Lessons
850+
Quiz questions
What you'll learn
Every section below counts toward your Colorado continuing education hours.
Section 1I. Foundations of Insurance Ethics (1 hour)4 lessons+
I. Foundations of Insurance Ethics (1 hour)
4 lessons
- Why ethics matters in insurance — public trust and the producer's role
- Ethical frameworks — utilitarianism, deontology, virtue ethics for producers
- The tripartite producer-insurer-insured relationship and competing duties
- NAIC PLMA
Section 2II. Fiduciary Duty and Standard of Care (1 hour)4 lessons+
II. Fiduciary Duty and Standard of Care (1 hour)
4 lessons
- Fiduciary duty defined — loyalty, prudence, and full disclosure
- Suitability and best-interest standards — NAIC Model
- Conflict of interest, compensation disclosure, and incentive distortion
- Documentation discipline and the replacement standard (NAIC
Section 3III. Producer Conduct in Practice (1 hour)4 lessons+
III. Producer Conduct in Practice (1 hour)
4 lessons
- Misrepresentation and concealment — the producer's affirmative duty
- Marketing and advertising ethics — NAIC Model
- Premium handling and the trust-fund obligation
- Senior and vulnerable-adult sales — heightened standards
Section 4IV. Homeowners Coverage Deep Dive (4 hours)8 lessons+
IV. Homeowners Coverage Deep Dive (4 hours)
8 lessons
- The property risk landscape — perils, hazards, and the homeowners insurance market
- HO forms and endorsements — HO-2, HO-3, HO-5, HO-6, HO-8 and key riders
- Coverage A — Dwelling, valuation, and replacement-cost mechanics
- Coverage B — Other Structures and detached-structure exposures
- Coverage C — Personal Property, sublimits, and special limits
- Coverage D — Loss of Use, additional living expense, and fair rental value
- Coverages E and F — Personal Liability and Medical Payments to Others
- Catastrophe claims handling — wildfire, hail, and hurricane exposures
Section 5V. Dwelling, Flood, and Commercial Property Coverage (2 hours)4 lessons+
V. Dwelling, Flood, and Commercial Property Coverage (2 hours)
4 lessons
- Dwelling forms — DP-1, DP-2, DP-3 and landlord/seasonal exposures
- NFIP and Risk Rating 2.0 — federal flood program mechanics
- Commercial property — the ISO CP program and business income coverage
- Standard fire policy and the standard mortgage clause
Section 6VI. Casualty Coverage Deep Dive (4 hours)4 lessons+
VI. Casualty Coverage Deep Dive (4 hours)
4 lessons
- Personal Auto Policy — ISO PP 00 01, UM/UIM, and stacking
- Commercial General Liability — claims-made vs. occurrence, and ISO CG 00 01/02
- Commercial auto and the MCS-90 endorsement (49 CFR §387)
- Umbrella and excess — personal and commercial layering
Section 7VII. Claims Handling and Unfair Settlement Practices (3 hours)3 lessons+
VII. Claims Handling and Unfair Settlement Practices (3 hours)
3 lessons
- Prompt payment of claims — state statutes and NAIC UCSPA
- NAIC UCSPA
- First-party bad faith — common-law doctrine and statutory remedies
Section 8VIII. Privacy, Data Security, and Cyber Exposure (2 hours)3 lessons+
VIII. Privacy, Data Security, and Cyber Exposure (2 hours)
3 lessons
- GLBA, FCRA, FACTA, and NAIC Privacy Model
- NAIC Insurance Data Security Model
- Cyber liability coverage and the ISO CG 21 06 exclusion
Section 9IX. Emerging and Specialty Topics (2 hours)2 lessons+
IX. Emerging and Specialty Topics (2 hours)
2 lessons
- Rideshare, short-term rental, and gig-economy exposures
- EVs, autonomous vehicles, and telematics — emerging auto exposures
Section 10X. Risk Management and Producer Practice (2 hours)2 lessons+
X. Risk Management and Producer Practice (2 hours)
2 lessons
- Producer E&O and documentation discipline
- Coverage-selection counseling — the documented recommendation
Section 11XI. Producer Ethics and Professional Standards (2 hours)7 lessons+
XI. Producer Ethics and Professional Standards (2 hours)
7 lessons
- Producer-as-fiduciary — synthesis of duties and standards
- Rebating, misappropriation of premium, and trust-fund violations
- Commission sharing — when it's lawful and when it's a felony
- Insurance fraud — NAIC Model
- CE compliance, renewal reporting, and the producer's continuing obligation
- Disciplinary processes — investigation, hearing, consent order, appeal
- Ethics case studies — cumulative end-of-course review
How it works
1
Enroll
One-time payment of $44.99. Secure checkout powered by Stripe.
2
Study on your schedule
Read the lesson library and pass each section quiz to unlock the next section. Your study time is tracked toward the required hours.
3
Earn your credit
Complete the required hours and the end-of-course assessment. Your credit is reported to the state as your enrollment allows.
FAQ
What is this Colorado Property & Casualty continuing education course?+
This is a state-approved continuing education (CE) course for already-licensed Colorado producers, delivered online and self-paced. It earns CE credit hours toward license renewal. It is not exam prep and does not prepare you for the licensing exam.
Is this exam prep?+
No. If you are not licensed yet and need to pass the Colorado licensing exam, you want one of our exam prep courses instead. This course is for licensed producers who need CE hours.
How do I complete the course and earn credit?+
Pass each section quiz at 70% or higher to unlock the next section (retake as often as you need), complete the required study hours (the timer runs only while a lesson is open on your screen), then pass the end-of-course assessment. Your certificate follows.
When is my credit reported to Colorado?+
CE credit is reported to the state once you complete all required hours and pass the end-of-course assessment.
Does the course include AI tutoring?+
Yes -- every lesson page has a built-in AI tutor, included with the course at no extra cost. It can explain the current lesson in simpler terms, quiz you one question at a time, and tell you what to study next based on your actual quiz results. If you already use Claude or ChatGPT, you can also connect your own AI assistant to your course from your account page, so it can coach you using your real progress and practice questions.
Can I study on my phone?+
Yes. The course works on any phone, tablet, or computer with a browser -- no installs or downloads required -- and your progress, quiz scores, and seat time sync automatically across devices. Materials stay online rather than as downloadable files so that every study session reflects the current version of the content; there is nothing stale sitting in a folder after a state changes its rules.
Can I fit this course around a full-time job?+
It is built for that. The course is fully self-paced with no schedules, live sessions, or deadlines: study in short sessions from your phone during a commute or lunch break, and pick up exactly where you left off on any device. The AI tutor points you to the sections your quiz results show you need most, so limited study time goes where it counts.
How long do I have access to the course?+
You keep access to this course for as long as your enrollment is active. CE credit is reported to the state once you complete all required hours and pass the end-of-course assessment.
Can I get a refund?+
Yes. Within 7 days of purchase and before you have completed more than 25% of the course or started the final exam, you can request a full refund. Email support@theelitecompany.com with your order number; refunds process to the original payment method within 5-10 business days.
Ready to start studying?
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