Delaware Seal


state commissioner

Trinidad Navarro

STATE phone
(302) 674-7390

Delaware Department of Insurance

Appointments & Terminations

Required to report appointments?


Permits Just-in-time (JIT) appointments?


Initial appointment deadlines

Within 15 days of contract execution or first business submission

Initial appointment deadline rule

Appointments must be submitted within 15 days of the date the agent/agency contract is executed or the first piece of business is submitted to the carrier

Can be processed via nipr?


Fees for appointing a resident agency or individual?


Fees for appointing a non resident agency or individual?


Appoint agencies?


Adjuster appointments via NIPR?


Appointment effective date can be specified?


Appointment effective date rule

Not required. Date effective is date transaction is processed by the state.

State requires appointment renewal?

No, perpetual

Appointment renewal fee

No fees

Appointment Terminated if license expires?


Terminations processed via NIPR?


Termination reasons

Voluntary termination; inadequate production; cancelled by general agent; death; company defunct or liquidation; company indebtedness; poor policyholder services; agent moved; appointed in error; request regulatory review

Termination date can be specified by carrier?


Termination Effective date rule

Not required (ignored) and is the date transaction is processed by the state

Termination notes

If a producer has failed to maintain CE for a renewal period, they have one year to get current on CE. After the year is up then the license goes inactive. The appointments do no go away until the license goes inactive

Termination fee

No fee


Initial individual new license fee

Resident New License Insurance Producer: $100 Resident New License Limited Lines: $100 Resident New License Insurance Producer: $1,000 (17 B Travel) Resident New License Insurance Producer: $25 (additional LOAs) Resident New License Surplus Lines Broker: $250 Non Resident New License Insurance Producer: $100 Non Resident New License Limited Lines $100.00 Non Resident New License Insurance Producer $1,000.00 (17 B Travel) Non Resident New License Insurance Producer $25.00 (additional LOAs) Non Resident New License Surplus Lines Broker $250.00

License renewal fee

Resident Renewal Insurance Producer: $100 Resident Renewal Limited Lines: $100 Resident Renewal Surplus Lines Broker: $200 Resident Renewal Insurance Producer: $500 Non Resident Renewal Insurance Producer: $100 Non Resident Renewal Insurance Producer: $100 Non Resident Renewal Insurance Producer: $500 Non Resident Renewal Surplus Lines Broker: $200

When does the resident individual producer license renewal period begin?

60 days before expiration

What is the resident individual producer license renewal date?

Last day of February every 2 years in even-numbered years

Late renewal or reinstatement period for resident individual producer license?

Late renewal allowed up to one year after expiration

When does the nonresident individual producer license renewal period begin?

60 days before expiration

What is the nonresident individual producer license renewal date?

Last day of February every 2 years in odd-numbered years

Late renewal or reinstatement period for nonresident individual producer license?

Late renewal allowed up to one year after expiration

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


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

Third Party Administrator, Fraternal Producer, Domestic Life/Health, Domestic Property/Casualty, Viatical Settlement Broker, Surplus Lines Broker, Insurance Producer, Apprentice Appraiser, Public Adjuster, Car Rental, Adjuster, Appraiser, Apprentice Adjuster, Reinsurance Intermediary, Bail Producer, Catastrophic Adjuster, Limited Lines Producer, 17B Travel

Appointment Terminated if license expires?


State broker license rule

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

Requires pre licensing courses?


Exam requirements

Exam required before license application

Background Check Required?

Yes – FBI

Fingerprints Required?

Yes, for Resident Licensing

Fingerprint Submission Details

Required with Application - Fingerprint card to be obtained from state police.

Where to apply for resident license?

NIPR Gateway

Other licensing notes

A state criminal history report and a federal criminal history report from the Federal Bureau of Investigation (FBI), dated within ninety (90) days of receipt, are required. Information on obtaining these reports can be found on the state website. Applicants must fax a criminal background report to the Delaware Department of Insurance at (302) 736-7906 If you successfully pass the state licensing exam, your test results are automatically electronically submitted to the online system within 2-5 business days.

What Transactions are Retaliatory Fees Applied to?


Submit Partial License Renewals through NIPR?


Has Personal Lines LOA?


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

A licensee must notify the Commissioner of any change in legal name, physical mailing address, or email address within 30 days. Contact Change Request supported via NIPR Gateway.

Penalty for failure to timely report personal data changes

Failure to notify the Commissioner of changes will result in penalties under DE ST TI 18 § 1712(a,d).


Can a sole proprietor be licensed as an entity?


DRLP must have active state license


DRLPs must cumulatively cover all LOAs in application


Agency Licensing renewals

Dec. 1st of even years until Feb. 28th of odd years. Late renewal period is March 1st of odd years until February 28th or 29th in leap year. Late Renewal Period with Administrative Fee is from Sept. 1st – Feb. 28th or Feb. 29th in leap year.

Agency License required?


Affiliations: Indicates if producers selling on behalf of/through an entity must be formally affiliated with that entity and if the entity must notify the department of changes


Branch office

Branch office must be licensed


Requires adjuster license?


Offers designated home state?


DHS exam required?

Yes, if Resident State does not License

Reciprocity states


Which states require an exam for reciprocity?


Independent adjuster LOAS

Property, Casualty, Surety, Motor Vehicle, Marine and Transportation, Workers' Compensation, Multi-Peril Crop

Independent adjuster fees


Independent adjuster exam required?


Independent adjuster renewal date

Expires odd number years, December 1st. If it is a leap year, Feb 28th or 29th.

Independent adjuster details

CAPP Card must be submitted before the exam as well as a state and federal criminal history report. Reciprocal licenses granted to those with DE as the home state. A Non resident adjuster who does not hold a resident adjuster license because their home state does not license Adjusters may apply by registering their non resident adjuster state as their domicile state.

Apprentice adjuster license LOAS

Property, Casualty, Surety, Motor Vehicle, Marine & Transportation, Multi-Peril Crop, Workers' Compensation

Apprentice adjuster license fees


Apprentice adjuster license exam required?

No Exam Required

Apprentice adjuster license duration

1 Year

Apprentice adjuster license details

A statement from a duly licensed adjuster/appraiser assuming full responsibility for the activities of the applicant and certification that the applicant is a full-time employee under his/her supervision must be sent within 10 days. A license will be issued for 60 days, no cost. Additionally, a state and federal criminal history is required.

Emergency adjuster details

No LOA required

Continuing Education

Total hours per renewal period


Renewal period

2 years

CE due before license renewal date?


License renewal date is

Last day of February

License renewal year based on...

Even-numbered years

When is the CE due?

Prior to license expiration.

How long before expiration does state send CE reminder?

Dec. 1st of each odd numbered year

Exemptions to CE

If you've been licensed for less than two years when the first renewal date occurs, you must pay the renewal fee but aren't obligated to complete the accompanying CE until the second cycle. Non resident adjusters must meet 12 hours of CE, 3 in ethics. Licensees who have had their license for 25 or more consecutive years or hold the designation of CPCU, CHFC, CFP, AAI, CLU, CEBS, FLMI, FSPA, CIC, RHU, have half of their CE requirements automatically credited (ex: a CFP adjuster must only get 6 of 12 CE credits, a producer with a CPCU must get 12 of 25). Limited lines producers who are only writing consumer credit, title, crop/hail, surety, and car rental insurance; resident adjusters who are solely licensed for surety and/or marine and transportation insurance; and limited lines producers who sell life insurance or annuity products that are used solely to fund arranged, pre-need funeral programs are exempt from these CE requirements.

What if a producer missed the renewal date?

License can be renewed within the year if you get current on your CE, submit a renewal application, and pay a late fee. After those 12 months, your license would be considered inactive requires a new application to reinstate.

CE instructors get credit for teaching courses?


Ethics requirements

3 hours ethics or consumer protection

Flood-specific CE requirements

2 hours of NFIP course

LTC-specific CE requirements

3 hours of product knowledge, laws, rules, and regulations per renewal cycle

Annuity-specific CE requirements

One-time, 4-hour course

Regulatory Updates

Delaware Department of Insurance Publishes Changes to Licensing Requirements for Residents and Non Residents Third Party Administrators (TPA)

Delaware Department of Insurance published changes on licensing requirements for Resident and Non Resident TPA in the Definition Section and adding the following to General Requirements regarding Annual Reports: - Administrators must file an annual report for the previous calendar year on or before July 1 each year.

Delaware Adding Pet Insurance Producer Training Requirements

Effective September 19, 2023, Delaware has added Pet Insurance Producer Training Requirements. See attachment for full details.

Delaware Reissued Bulletin Regarding False or Misleading Statements Concerning Setting of Insurance Rates

On August 8, 2023, Delaware reissued a bulletin regarding false or misleading statements concerning how insurance rates are set in Delaware.  See attachment for full details.

Delaware Address and Payment Mailing Requirements.

Delaware sends reminder regarding address and payment mailing requirements. See attachment for details

Delaware Removes SSN Requirement for Appointments and Terminations

Effective February 10, 2023, Delaware will no longer require the Producer's SSN for Appointments and Terminations. The NPN will be required.

Delaware to Populate Original Appointment Date

Beginning on 10/14/2022 Delaware will populate the Original Appointment Date. Previously they were populating the appointment effective date in the PDB.

Delaware Adds to Resident License Residency Requirements

Delaware states the a resident producer now must be a DE resident, or work for a business entity that is licensed to conduct the business of insurance in DE AND maintains a physical location in DE that is open to the public and where business is conducted. A DE postal box cannot be used to establish residency.

Delaware Revises Emergency CAT Process

Effective June 5, 2022, the following will be required for DE CAT adjusters. Within 10 days of adjustment work within the state, a written notice must be issued. The CAT license will be issued for 60 days unless extended by the commissioner. There is no cost for this license, but there is a small processing fee.


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