How Do I Get an Insurance License in Colorado?

The first step in getting your insurance license is determining what type of insurance agent you want to be, or what types of policies you need to sell. That will help you figure out what type, or types, of insurance licenses you need to get. Then, it’s time to begin studying. After completing all of your pre-license coursework or self-study you’ll need to take your insurance exam. You’ll take one exam for each line of insurance you wish to carry. In Colorado, Life, Accident, & Health (LA&H) and Property & Casualty (P&C) are a total of four lines. Pearson Vue in Colorado offers these four exams in two “back to back” exams, so you will essentially take four tests, but if you pass them on your first try, you will only have to sit for exams twice. This option does not shorten the exams, but it does allow you to save the fee for one exam sitting. Once you have completed your exams, you are now ready to apply for your license. If you have more than one line of authority that you have passed the exam for, be sure to apply for all of those lines. Once you have submitted your application and have filled all the other requirements, your license application will be reviewed by the state. Your background check will also be reviewed.

How Do I Get a State Adjuster License in Colorado?

The State of Colorado does not offer a Resident Insurance Adjuster License and does not require a license to practice insurance claims adjusting within the state.

How do I renew my insurance license in Colorado?

The State of Colorado requires that resident individual licensees complete twenty-four (24) credit hours of continuing education every two year renewal period. Three (3) of those hours must be in the subject of ethics, eighteen (18) in major lines and three (3) in miscellaneous coursework. Credits cannot include the same course taken repeatedly in one reporting period. If you have a producer license in more than one line of authority (ex. Property & Casualty and Life & Health), you don’t need to complete double the hours. You may take your continuing education courses either in person in a classroom setting or online as a self-paced course. The online courses usually require a reading, then a test at the end. When you complete these courses, the company where you took the course should send the certificate of completion directly to the state. You should still print a copy of this certificate to keep in your records just in case there is a dispute later. After you have completed your continuing education and you are within 90 days of your license expiration, you may renew your Colorado insurance license online. AgentSync can also help with the renewal process. There is a fee of $29 per line of authority to renew your license. Once this process is complete, your license will be renewed and your new expiration date will be two years from your previous expiration date.

How do I renew my nonresident insurance license in Colorado?

Unlike resident producers, nonresident licensees who comply with the continued education (CE) requirements of their resident state are exempt from taking additional Colorado CE. Additionally, all nonresidents who satisfy the Annuity training requirements of another state that are similar to Colorado’s law will be deemed compliant for Colorado’s requirement. You may renew your nonresident insurance license online. There is a fee of $29 per line of authority to renew your license. AgentSync can also help with the renewal process.

How Do I renew My Non-Resident Adjuster License in Colorado?

Colorado continues a nonresident adjuster license to individuals for two (2) years. Licenses expire based upon the last day of birth month biennially – Colorado offers no grace period. Reinstatements of license are considered a new application and will need to be processed through NIPRs Non-Resident Adjuster License application. Non-residents should re-verify their lines of authority with this resident state prior to submitting an application for nonresident license with Colorado. There is a $43.00 fee to renew your Colorado Non-Resident Adjuster license. You can renew your Colorado license through NIPR. For more information, contact the Colorado Department of Regulatory Agencies – Division of Insurance.

How Do I Renew My Adjuster License In Colorado?

Colorado is one of 16 states that do not license insurance adjusters. This means you can legally adjust claims in your state without a license, but only in said state. To adjust in the state of Colorado, you will need to obtain a Designated Home State (DHS) license. You will go through that state’s (Colorado or otherwise) licensing process, testing, and compliance regulations and their license will act as your resident, or home state license. If you’re looking to become an insurance adjuster in a non-licensing state like Colorado, the Florida 70-20 DHS License is the next best thing for the following reasons: <ul> <li>The state offers the quickest turnaround time after you submit your documents.</li> <li>The Florida 70-20 license is reciprocal with most states.</li> <li>A Florida DHS license is good for 4 years.</li> </ul> This is not to say this is the only way to obtain a DHS license, it is simply the easiest. Many of the licensing states offer DHS licenses. So be sure to do additional research to find the best fit. For more information, contact the Colorado Department of Insurance.

Colorado

state commissioner

Michael Conway

STATE email

dora_ins_licensingandcontinuingeducation@state.co.us

STATE phone

(303) 894-7499

STATE LICENSE DIVISION ADDRESS

Colorado Department of Regulatory Agencies

Address

1560 Broadway

Suite 1350

Denver, Colorado, 80202

Visit State Website

Appointments & Terminations

Required to report appointments?

No, Registry

Appointment exemptions and notes

Appointments aren't required EXCEPT appointments are required for bail bonds agents (writing under a casualty line of authority); Registry states must maintain an internal registry of authorized licensees to submit to the state upon request.

Initial appointment deadlines

Prior to solicitation of business (bail bonds)

Initial appointment deadline rule

Bail bonds appointments must be submitted prior to the solicitation of business

Can be processed via nipr?

Fees for appointing a resident agency or individual?

Fees for appointing a nonresident agency or individual?

Appointment effective date can be specified?

Yes

Appointment effective date rule

Required and is the date supplied on transaction.

State requires appointment renewal?

No, perpetual

State terminates appointment if license expires?

Yes

Termination reasons

Registry State - Cancelled; cancelled for cause

Termination date can be specified by carrier?

Yes

Termination Effective date rule

Required and is the date supplied on transaction. Must not be in the future

Allows carriers to terminate the appointment if license has expired?

Licensing

Initial individual new license fee

Resident New License Insurance Producer: $47 (per LOA except surplus)
Resident New License Insurance Producer: $144 (Surplus)
Nonresident New License Insurance Producer: $71 (per LOA except surplus)
Nonresident New License Insurance Producer: $294 (Surplus)

License renewal fee

Resident Renewal Insurance Producer: $27 Resident Renewal Insurance Producer: $134 Nonresident Renewal Insurance Producer: $43 Nonresident Renewal Insurance Producer: $284

When does the resident individual producer license renewal period begin?

90 days before expiration

What is the resident individual producer license renewal date?

Last day of birth month every 2 years based on year of first state license issue

When does the nonresident individual producer license renewal period begin?

90 days before expiration

What is the nonresident individual producer license renewal date?

Last day of birth month every 2 years based on year of first state license issue

Can a producer use a P.O. Box in their resident or business address?

For individual's business address only

Are individuals required to list their county as part of the address?

What addresses are required for individual license maintenance?

Residence, Business, and Mailing

State individual licenses include

Temporary Resident Producer, Nonresident Reinsurance Intermediary, Casualty, Life, Insurance Producer, Resident Public Adjuster, Nonresident Public Adjuster, Multiple Line, Resident Producer, Resident Bail Registration, Resident Reinsurance Intermediary

State recognizes a licensing exemption for nonresident commercial lines producers with multistate contracts?

Yes

State broker license rule

Included in Producer License Class. Insurers are not required to appoint Brokers per NAIC PLMA

Requires pre licensing courses?

Yes

Study method requirements

Classroom / monitored self study

Submission of completion certificate rule

After completing the pre-licensing training, the pre-licensing provider will report training completion information to Pearson VUE, however, the applicant must provide the training school code at the time of making their Pearson VUE licensing examination reservation.

How long is the pre licensing certification valid?

The certificate of course completion is valid for 1 year from course completion or passing the self-study examination. If the year expires before the student passes the license examination or applies for a license, the student must complete another pre-licensing course to be eligible for the examination.

Exemptions to pre licensing requirements

An applicant is exempt from pre-licensing education requirements if the applicant: a. was previously licensed for the same line of authority in a reciprocal state; b. certifies knowledge of Colorado law applicable to producers in a Division-approved form; and c. either: I. is currently licensed in good standing in the other state; or II. submits an application to be received within 90 days of the cancellation of the applicant's previous home state license and the producer's license was in good standing at the time of cancellation.

Prelicense education requirement

Before taking the exam, an applicant must provide evidence of completing the following hours of approved coursework: a. 50 hours - property insurance; b. 50 hours - casualty insurance; c. 50 hours - combined property and casualty insurance; d. 50 hours - personal lines insurance; e. 50 hours - life insurance; and f. 50 hours - health insurance. Of the required hours of coursework: a. 3 hours must cover Colorado insurance laws and regulations that are general in nature and not related to a specific line of insurance; b. 3 hours must cover insurance industry ethics; and c. 4 hours must cover Colorado insurance laws and regulations that are specifically related to the line of insurance. Applicants applying for more than 1 line of authority only need to take the 3 hours of ethics once

Fingerprints Required?

Not Required

State Pre-Licensing Exam Website

Pearson VUE

How Long are State Pre-Licensing Exams Active?

One Year

Where to apply for resident license?

NIPR Gateway

What Transactions are Retaliatory Fees Applied to?

None

Submit Partial License Renewals through NIPR?

Yes

Has Personal Lines LOA?

Yes

Deadline to report personal data changes (address, name change, phone number, etc.)

A licensee must notify the Commissioner of any change of address within 30 days of the change. Contact Change Request supported via NIPR Gateway.

Name Change Form

Individual
Submit a written request signed and dated by producer to:
- Pearson VUE/Colorado Division of Insurance, 3131 S. Vaughn Way, Suite 205, Aurora, CO 80014, via fax at 303-733-9507
- or emailed to:
- PVColoradoInsurance@pearson.com
- Request must include supporting court documents, marriage Certificate, or Driver's License.
Business Entity
Submit a written request signed and dated by appropriate company offical to:
- Pearson VUE/Colorado Division of Insurance, 3131 S. Vaughn Way, Suite 205, Aurora, CO 80014, via fax at 303-733-9507
- or emailed to:
- PVColoradoInsurance@pearson.com
- The request must include supporting documents filed with the Secretary of State.

Travel license requires paper application?

Yes, if a nonresident producer applicant holds their resident travel license under a property and casualty line of authority

Travel license notes

Nonresident producers whose resident travel qualification falls under a property and casualty line of authority must apply for a Colorado travel license with a paper application and with additional documentation from their resident state to show that travel falls under that state's property and casualty line of authoirty.

Agency

Can a sole proprietor be licensed as an entity?

DRLP must have active state license

DRLPs must cumulatively cover all LOAs in application

DRLP Notes

Only track owners, officers, partners, and directors.

Agency Licensing renewals

90 days prior to expiration date until license expiration date.

Agency License required?

Yes

Branch office

Main license meets requirements

Deadline to report key business entity changes (address, dba, phone, email, etc.)

Within 10 days of their occurrence, the agency or business entity must notify the Commissioner on a prescribed form of the following changes: a. a change in its list of licensed individual producers; b. a change of its name, its officers, directors, or owners, or to report a merger; or c. a change of its principal address to another state. In this case, the agency must also return the license and be re-licensed subject to nonresident requirements. Agencies and business entities must submit address changes via the method identified on the state's website.

Adjuster

Requires adjuster license?

Only Public Adjusters

Offers designated home state?

Reciprocity states

None

Public Adjuster Renewal Period

Biennially on the last day of the individual's birth month.

Public Adjuster LOAs

Public Adjuster

Public adjuster fees

Resident Public Adjuster Licensing Fee: $47 Nonresident Public Adjuster Licensing Fee: $71 Resident Public Adjuster Renewal Fee: $27 Nonresident Public Adjuster Renewal Fee: $43

Public adjuster exam required?

Yes

DHS Exam Required?

N/A

Address change request through NIPR?

Yes

Continuing Education

Total hours per renewal period

Renewal period

2 years

CE due before license renewal date?

Yes

License renewal date is

Last day of birth month

License renewal year based on...

Year of first license issuance

When is the CE due?

Prior to license expiration.

How long before expiration does state send CE reminder?

90 days prior to month of birth

How long before expiration does state send CE reminder?

90 days prior to month of birth

Exemptions to CE

Limited lines or restricted licenses for travel insurance, title, credit insurance, and crop hail aren't required to complete a full 24 hours.

What if a producer missed the renewal date?

You must reapply as a new producer.

Can rollover excess hours?

Yes

Amount of rollover credits allowed

Up to 12 if earned within 120 days of renewal

Ethics requirements

Credits must be specific to major LOAs?

Yes

Major lines requirements

18 hours must be in your major lines of authority, 3 hours miscellaneous

Flood-specific CE requirements

3 hours of NFIP course

LTC-specific CE requirements

8-hour initial certification, with 4 hours of LTC-specific training each renewal cycle thereafter

Annuity-specific CE requirements

One-time, 4-hour course

Adjusters

At least 24 CE hours for certificate renewal on a biennial basis.

Check CE transcripts

https://doi.colorado.gov/insurance-industry/for-producers/agents#licexam

Additional line of business requirements

Property and personal lines must complete 3 hours specific to homeowners' coverage Claims-made policy sales necessitate a one-time, 2-hour course about claims-made policies

For more from agentsync

https://agentsync.io/blog/individual-producers/insurance-continuing-education-colorado

Regulatory Updates

Colorado Offers In-Person Investment Advisor Representative CE Courses

Posted on February 10, 2025, Colorado is offering in-person investment advisor representative CE courses on March 12, 2025. You can use the following hyperlink to sign up and for more information about the event. [Colorado Investment Advisor CE](https://securities.colorado.gov/information-on-new-iar-continuing-education-requirements-faqs?utm_medium=email&utm_source=govdelivery)

Colorado Zero Report & Annual Report Filing For Surplus Lines

Posted January 8, 2025, Colorado clarified how Zero Reports and Annual Reports should be processed with Colorado moving to the SLIP system. Please see the attachment for more information.

Colorado Will Be Transitioning To The SLIP Platform

Effective January 1, 2025, Colorado will be transitioning to the SLIP platform. All policies, and endorsements on policies for Surplus Lines premium taxes shall be reported to the Colorado Division of Insurance using the SLIP platform: [SLIP](https://www.slasclearinghouse.com/) Policies, or endorsements on policies effective before January 1, 2025, should continue to be reported to the Colorado Division of Insurance using the Colorado Surplus Lines Tax System. [Colorado Surplus Lines Tax System](https://doi.colorado.gov/insurance-industry/producers/agents/surplus-lines-information-for-agents/agencies/producers/brokers) Please see the attachment for more information.

Colorado Adopts Necessary Disclosure Requirements

Effective January 1, 2025, Colorado Department adopts setting necessary disclosure requirements for surplus lines insurance contracts around non-admitted insurers. Please see the attachment for more information.

Colorado Division of Securities Quarterly Newsletter

The Colorado Division of Securities issued quarterly newsletter. Highlights are below: - **Colorado Division is Approved to Offer IAR CE** - The Division is offering in person on November 13 from 10 a.m. to 12 p.m. This session qualifies for 2 CE credits. - **Notice of Return to On-Site Field Examinations** - The Colorado Division of Securities is resuming on-site examinations of investment adviser firms. To prepare for these examinations, firms are encouraged to utilize the [Division’s resources](https://securities.colorado.gov/division-of-securities-examinations?utm_medium=email&utm_source=govdelivery). - **Notice of Fee Changes** - Starting November 1, 2024, licensing fees will be reduced: individual licensees will pay $14 annually, while firms will pay $65. Please see the following link for more information - [Quarterly Industry Newsletter](https://securities.colorado.gov/press-release/quarterly-industry-newsletter-division-offering-iar-ce-courses)

Colorado To Add New Firm License Classes for PDB Display

Effective September 13, 2024, Colorado will begin loading a Pharmacy Benefit Manager license class and line of authority for Producer Database (PDB) display.

Colorado Seeking Comments On Draft Proposals Concerning Surplus Lines Insurance

Posted August 30, 2024, Colorado Department is seeking comments on the following draft proposed concerning Surplus Lines Insurance for setting necessary disclosure requirements for surplus lines insurance contracts. Please submit your comments via email ([DORA\_Ins\_RulesandRecords@state.co.us](mailto:DORA_Ins_RulesandRecords@state.co.us).) The Department has asked for comments no later than 5 pm MT, September 10th, 2024. Please see the attachment for more information.

Colorado Title License Not Reciprocal With Texas

Effective September 13, 2024, Colorado will implement new validations for Texas residents applying for a nonresident Title license in Colorado. Each state maps a line of authority to another state, the license offered by Texas is not reciprocal for a Title authority in Colorado.

Colorado Releases Application for Pharmacy Benefit Managers

On June 13, 2024, Colorado Division of Insurance (DOI) released the application for Pharmacy Benefit Managers (PBMs) to register with the DOI, pursuant to § 10-16-122.1(2.5), C.R.S., a result of legislation passed in 2023 (HB23-1227). Per Regulation 4-2-97 "Concerning the Requirements for Pharmacy Benefit Managers to Register in Colorado," each PBM operating in Colorado is required to complete the registration application and pay the filing fee by July 1, 2024, and annually, each year thereafter. Questions about this process may be sent to the PBM Compliance Team.

Colorado to Remove NUQs Regarding Legal Presence

Effective July 14th, 2023, Colorado Resident and Resident renewal applicants do not have to answer questions or submit documents regarding legal presence in the United States of America.

Colorado Updates Licensing Fees

Effective Nov. 3rd, 2022, Colorado will adjust their licensing fees to remain in compliance with statutory requirements.

Colorado Releases Stance on Overturning of Roe v. Wade

Colorado releases an announcement that notes that they believe "Reproductive health care is an important part of the health care services" and notes that the Reproductive Health Equity Act signed on April 4, 2022, codifies the legal right to abortion services in Colorado.

Colorado Moves Public Hearing to Online

Colorado has moved their public hearing for Amended 4-1-11 Concerning Best Interest Obligations and Supervision in Annuity Transactions set for July 1, 2022 to online due to spreading Covid concerns.

Colorado to Remove Line of Authority: Attorney Title

Effective today, Colorado is removing the Attorney Title line of authority. This offering is available for resident and Nonresident license applications.

Colorado Releases an Update Related to the Middle Fork Fires

The bulletin informs insurance carriers and affected consumers of the Division of Insurances' position concerning the communication of certain coverage limits for the policy holders that files a claim in response to the fires.

FAQs

How Do I Get an Insurance License in Colorado?

The first step in getting your insurance license is determining what type of insurance agent you want to be, or what types of policies you need to sell. That will help you figure out what type, or types, of insurance licenses you need to get. Then, it’s time to begin studying. After completing all of your pre-license coursework or self-study you’ll need to take your insurance exam. You’ll take one exam for each line of insurance you wish to carry.

In Colorado, Life, Accident, & Health (LA&H) and Property & Casualty (P&C) are a total of four lines. Pearson Vue in Colorado offers these four exams in two “back to back” exams, so you will essentially take four tests, but if you pass them on your first try, you will only have to sit for exams twice. This option does not shorten the exams, but it does allow you to save the fee for one exam sitting.

Once you have completed your exams, you are now ready to apply for your license. If you have more than one line of authority that you have passed the exam for, be sure to apply for all of those lines. Once you have submitted your application and have filled all the other requirements, your license application will be reviewed by the state. Your background check will also be reviewed.
How Do I Get a State Adjuster License in Colorado?
How do I renew my insurance license in Colorado?

The State of Colorado requires that resident individual licensees complete twenty-four (24) credit hours of continuing education every two year renewal period. Three (3) of those hours must be in the subject of ethics, eighteen (18) in major lines and three (3) in miscellaneous coursework. Credits cannot include the same course taken repeatedly in one reporting period.

If you have a producer license in more than one line of authority (ex. Property & Casualty and Life & Health), you don’t need to complete double the hours.

You may take your continuing education courses either in person in a classroom setting or online as a self-paced course. The online courses usually require a reading, then a test at the end. When you complete these courses, the company where you took the course should send the certificate of completion directly to the state. You should still print a copy of this certificate to keep in your records just in case there is a dispute later.

After you have completed your continuing education and you are within 90 days of your license expiration, you may renew your Colorado insurance license online. AgentSync can also help with the renewal process.

There is a fee of $29 per line of authority to renew your license.

Once this process is complete, your license will be renewed and your new expiration date will be two years from your previous expiration date.
How do I renew my nonresident insurance license in Colorado?

Unlike resident producers, nonresident licensees who comply with the continued education (CE) requirements of their resident state are exempt from taking additional Colorado CE.

Additionally, all nonresidents who satisfy the Annuity training requirements of another state that are similar to Colorado’s law will be deemed compliant for Colorado’s requirement.

You may renew your nonresident insurance license online. There is a fee of $29 per line of authority to renew your license. AgentSync can also help with the renewal process.
How Do I renew My Non-Resident Adjuster License in Colorado?

Colorado continues a nonresident adjuster license to individuals for two (2) years. Licenses expire based upon the last day of birth month biennially – Colorado offers no grace period. Reinstatements of license are considered a new application and will need to be processed through NIPRs Non-Resident Adjuster License application.

Non-residents should re-verify their lines of authority with this resident state prior to submitting an application for nonresident license with Colorado.

There is a $43.00 fee to renew your Colorado Non-Resident Adjuster license. You can renew your Colorado license through NIPR.

For more information, contact the Colorado Department of Regulatory Agencies – Division of Insurance.
How Do I Renew My Adjuster License In Colorado?
Colorado is one of 16 states that do not license insurance adjusters. This means you can legally adjust claims in your state without a license, but only in said state.

To adjust in the state of Colorado, you will need to obtain a Designated Home State (DHS) license. You will go through that state’s (Colorado or otherwise) licensing process, testing, and compliance regulations and their license will act as your resident, or home state license.

If you’re looking to become an insurance adjuster in a non-licensing state like Colorado, the Florida 70-20 DHS License is the next best thing for the following reasons:
- The state offers the quickest turnaround time after you submit your documents.
- The Florida 70-20 license is reciprocal with most states.
- A Florida DHS license is good for 4 years.
This is not to say this is the only way to obtain a DHS license, it is simply the easiest. Many of the licensing states offer DHS licenses. So be sure to do additional research to find the best fit.

For more information, contact the Colorado Department of Insurance.