Delaware
Trinidad Navarro
Delaware Department of Insurance
Appointments & Terminations
Yes
Yes
Within 15 days of contract execution or first business submission
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
Yes
$45
$50
No
No
No
Not required. Date effective is date transaction is processed by the state.
No, perpetual
No fees
Yes
Yes
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
No
Not required (ignored) and is the date transaction is processed by the state
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
No fee
Licensing
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
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
60 days before expiration
Last day of February every 2 years in even-numbered years
Late renewal allowed up to one year after expiration
60 days before expiration
Last day of February every 2 years in odd-numbered years
Late renewal allowed up to one year after expiration
No
No
Residence, Business, and Mailing
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
Yes
Included in Producer License Class. Insurers are not required to appoint Brokers per NAIC PLMA
No
Exam required before license application
Yes – FBI
Yes, for Resident Licensing
Required with Application - Fingerprint card to be obtained from state police.
NIPR Gateway
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.
None
No
Yes
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.
Failure to notify the Commissioner of changes will result in penalties under DE ST TI 18 § 1712(a,d).
Agency
Yes
Yes
No
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.
Yes
No
Branch office must be licensed
Adjuster
Yes
Yes
Yes, if Resident State does not License
AK, AL, AR, AZ, CT, FL, GA, ID, IN, KY, LA, ME, MI, MN, MS, MT, NC, NH, NM, NV, OK, OR, RI, SC, TX, UT, VT, WA, WV
CA, HI, NY, PR, WY
Property, Casualty, Surety, Motor Vehicle, Marine and Transportation, Workers' Compensation, Multi-Peril Crop
$100
Yes
Expires odd number years, December 1st. If it is a leap year, Feb 28th or 29th.
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.
Property, Casualty, Surety, Motor Vehicle, Marine & Transportation, Multi-Peril Crop, Workers' Compensation
$50
No Exam Required
1 Year
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.
No LOA required
Continuing Education
24
2 years
Yes
Last day of February
Even-numbered years
Prior to license expiration.
Dec. 1st of each odd numbered year
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.
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.
Yes
3 hours ethics or consumer protection
2 hours of NFIP course
3 hours of product knowledge, laws, rules, and regulations per renewal cycle
One-time, 4-hour course
https://agentsync.io/blog/individual-producers/insurance-continuing-education-delaware
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.
FAQs
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How Do I Get an Insurance License in Delaware?
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How Do I Get a State Adjuster License in Delaware?
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How do I renew my insurance license in Delaware?
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How do I renew my nonresident insurance license in Delaware?
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How Do I Renew My Adjuster License In Delaware?
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How Do I renew My Non-Resident Adjuster License in Delaware?