{"id":7081,"date":"2026-07-04T13:12:31","date_gmt":"2026-07-04T13:12:31","guid":{"rendered":"https:\/\/mosaicce.net\/staging\/stage\/?page_id=7081"},"modified":"2026-07-07T16:22:30","modified_gmt":"2026-07-07T16:22:30","slug":"ce-requirements-2","status":"publish","type":"page","link":"https:\/\/mosaicce.net\/staging\/ce-requirements-2\/","title":{"rendered":"State-by-State CE Requirements"},"content":{"rendered":"\t\t
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State Guide<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Insurance CE Requirements<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Every state sets its own rules for keeping your adjuster or producer license active. Here's how CE works in general and where to find your states specific requirements.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tFind Your State<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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24 hrs<\/span>CE requirement every 2 years<\/div>\r\n
31 states<\/span>Reciprocal with a Texas license<\/div>\r\n
30 days<\/span>Recommended buffer before your deadline<\/div>\r\n
Same day<\/span>Mosaic reports hours completed before 5pm CST<\/div>\r\n <\/div>\r\n <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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!<\/div>\r\n
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Vital Tip to Stay Compliant<\/div>\r\n

Don't wait until your deadline to start your hours.<\/h4>\r\n

Finishing 30 days early gives your provider time to report and gives you time to fix anything before it becomes a fine.<\/p>\r\n <\/div>\r\n Start Your CE Now<\/a>\r\n <\/div>\r\n <\/div>\r\n <\/section>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\r\n What is CE?<\/span>\r\n

What Is Continuing Education (CE)?<\/h2>\r\n

Continuing education is ongoing training that licensed insurance professionals must complete to keep their license active. States require it to make sure adjusters and agents stay current on regulations, ethics, and industry practices.<\/p>\r\n

Almost every state ties CE directly to your license renewal. Skip it, and your renewal gets held up, or your license lapses.<\/p>\r\n <\/div>\r\n <\/section>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\r\n The general pattern<\/span>\r\n

How CE requirements generally work<\/h2>\r\n

Requirements vary by state, but most states share the same basic structure:<\/p>\r\n

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A set number of hours<\/strong> required per renewal cycle, usually every 1 to 2 years<\/p>\r\n <\/div>\r\n

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Ethics hours<\/strong>, most states require a set number of ethics hours within your total, though this varies by state and license type. Some license types, like certain limited lines, may not require ethics hours at all.<\/p>\r\n <\/div>\r\n

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A format requirement<\/strong>, often a mix of classroom-equivalent (structured, interactive online courses) and self-study<\/p>\r\n <\/div>\r\n

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A reporting step<\/strong>, where your course provider submits your completed hours to the state, not you<\/p>\r\n <\/div>\r\n

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A penalty for missing the deadline<\/strong>, ranging from fines to a temporary loss of license standing<\/p>\r\n <\/div>\r\n

The specifics, exact hours, ethics requirement, penalty amounts, differ by state. That's why it matters to check your particular state's page rather than assume the rules are the same everywhere.<\/p>\r\n <\/div>\r\n

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24<\/span> hrs<\/span><\/div>\r\n

Typical CE requirement most states use as their baseline, every 2 years<\/p>\r\n <\/div>\r\n

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3<\/span> hrs<\/span><\/div>\r\n

Most common ethics requirement within that total<\/p>\r\n <\/div>\r\n

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50<\/span>%<\/span><\/div>\r\n

Common cap on self-study; the rest must be classroom-equivalent in states that split the two<\/p>\r\n <\/div>\r\n

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Renewal Date<\/div>\r\n

Most states, including Texas, set this by your birth month<\/strong>. California is a notable exception, using your license issue date instead.<\/p>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n

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These figures are common patterns, not universal rules. Some states require more or fewer hours, skip the ethics split entirely, or don't distinguish classroom-equivalent at all, always confirm on your state's page.<\/p>\r\n <\/div>\r\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\r\n Reference<\/span>\r\n

Find Your State's CE Requirements<\/h2>\r\n

CE requirements, hours, and reciprocity status are specific to each state. Since Mosaic CE is based in Texas, select your state below to see exactly how Texas CE applies to your license.<\/p>\r\n <\/div>\r\n\r\n

Fully Reciprocal with Texas<\/h3>\r\n

Texas CE generally satisfies these states' requirement for a non-resident license, whether you're using an actual Texas resident license or a Texas designated home state (DHS) license.<\/p>\r\n\r\n

\r\n \r\n \r\n \r\n
State<\/th>CE Hours & Renewal Cycle<\/th>State CE Requirements<\/th><\/tr>\r\n <\/thead>\r\n
Texas<\/strong> Home State<\/span><\/td>24 hours every 2 years, 3 ethics, 50% classroom-equivalent.<\/td>View →<\/a><\/td><\/tr>
Alabama<\/td>24 hours every 2 years, 3 ethics.<\/td>View →<\/a><\/td><\/tr>\r\n
Arkansas<\/td>24 hours every 2 years, 3 ethics.<\/td>View →<\/a><\/td><\/tr>\r\n
Connecticut<\/td>24 hours every 2 years, 3 ethics.<\/td>View →<\/a><\/td><\/tr>\r\n
Delaware<\/td>24 hours every 2 years, 3 ethics.<\/td>View →<\/a><\/td><\/tr>\r\n
Florida<\/td>24 hours every 2 years (20 after 6 years licensed), 4 hrs law & ethics.<\/td>View →<\/a><\/td><\/tr>\r\n
Georgia<\/td>24 hours every 2 years (20 after 20 years licensed), 3 ethics.<\/td>View →<\/a><\/td><\/tr>\r\n
Idaho<\/td>24 hours every 2 years, 3 ethics.<\/td>View →<\/a><\/td><\/tr>\r\n
Indiana<\/td>24 hours every 2 years. No ethics requirement for adjusters (P&C).<\/td>View →<\/a><\/td><\/tr>\r\n
Iowa<\/td>Recently began licensing adjusters (2025). Hours not yet finalized; confirm on state page.<\/td>View →<\/a><\/td><\/tr>\r\n
Kentucky<\/td>24 hours every 2 years, 3 ethics.<\/td>View →<\/a><\/td><\/tr>\r\n
Louisiana<\/td>24 hours every 2 years, 3 ethics.<\/td>View →<\/a><\/td><\/tr>\r\n
Maine<\/td>24 hours every 2 years, 3 ethics.<\/td>View →<\/a><\/td><\/tr>\r\n
Michigan<\/td>No CE required for adjusters. License renews annually. (Producers require 24 hrs\/2yrs, 3 ethics.)<\/td>View →<\/a><\/td><\/tr>\r\n
Minnesota<\/td>24 hours every 2 years, 3 ethics.<\/td>View →<\/a><\/td><\/tr>\r\n
Mississippi<\/td>24 hours every 2 years, 3 ethics.<\/td>View →<\/a><\/td><\/tr>\r\n
Montana<\/td>24 hours every 2 years, 3 ethics, plus 1 hr on Montana law changes.<\/td>View →<\/a><\/td><\/tr>\r\n
Nevada<\/td>24 hours every 3 years, 3 ethics.<\/td>View →<\/a><\/td><\/tr>\r\n
New Hampshire<\/td>24 hours every 2 years (multi-line adjusters), minimum 3 ethics.<\/td>View →<\/a><\/td><\/tr>\r\n
New Mexico<\/td>24 hours every 2 years, 3 ethics.<\/td>View →<\/a><\/td><\/tr>\r\n
North Carolina<\/td>24 hours every 2 years, 3 ethics, plus 3 hrs flood every 4 years.<\/td>View →<\/a><\/td><\/tr>\r\n
Oklahoma<\/td>24 hours every 2 years, 3 ethics, plus 2 hrs legislative updates.<\/td>View →<\/a><\/td><\/tr>\r\n
Oregon<\/td>24 hours every 2 years, 3 ethics, plus 3 hrs Oregon law.<\/td>View →<\/a><\/td><\/tr>\r\n
Rhode Island<\/td>New as of 2026 renewals: 24 hours (3 ethics + 21 general). Previously no CE was required for adjusters.<\/td>View →<\/a><\/td><\/tr>\r\n
South Carolina<\/td>24 hours every 2 years, 3 ethics, 8 hrs per line of authority.<\/td>View →<\/a><\/td><\/tr>\r\n
Utah<\/td>24 hours every 2 years, 3 ethics, 12 hrs classroom or classroom-equivalent.<\/td>View →<\/a><\/td><\/tr>\r\n
Vermont<\/td>No CE required for adjusters. A new 8-hour Workers' Compensation-specific requirement is being phased in for 2026. (Producers require 24 hrs\/2yrs, 3 ethics.)<\/td>View →<\/a><\/td><\/tr>\r\n
Washington<\/td>24 hours every 2 years.<\/td>View →<\/a><\/td><\/tr>\r\n
West Virginia<\/td>24 hours every 2 years, 3 ethics.<\/td>View →<\/a><\/td><\/tr>\r\n
Wyoming<\/td>24 hours every 2 years, 3 ethics.<\/td>View →<\/a><\/td><\/tr>\r\n <\/tbody>\r\n <\/table>\r\n <\/div>\r\n <\/div>\r\n

Reciprocal, with One Exception<\/h3>\r\n

These accept an actual Texas resident license, but not a Texas designated home state (DHS) license:<\/p>\r\n

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State<\/th>CE Hours & Renewal Cycle<\/th>State CE Requirements<\/th><\/tr>\r\n <\/thead>\r\n
Alaska<\/td>Confirm on state page.<\/td>View →<\/a><\/td><\/tr>\r\n
Arizona<\/td>Commonly 48 hours every 4 years.<\/td>View →<\/a><\/td><\/tr>\r\n <\/tbody>\r\n <\/table>\r\n <\/div>\r\n

A few states don't follow the common pattern at all: Michigan and Vermont currently require no CE for adjusters (only for producers), while Rhode Island only just added an adjuster CE requirement starting with 2026 renewals. Worth double-checking assumptions if you're licensed in one of these.<\/p>\r\n\r\n

Not Reciprocal with Texas at All<\/h3>\r\n

These states require their own license and CE regardless of your Texas license:<\/p>\r\n

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State<\/th>CE Hours & Renewal Cycle<\/th>State CE Requirements<\/th><\/tr>\r\n <\/thead>\r\n
California<\/td>Commonly 24 hours every 2 years.<\/td>View →<\/a><\/td><\/tr>\r\n
New York<\/td>Commonly 15 hours every 2 years.<\/td>View →<\/a><\/td><\/tr>\r\n
Hawaii<\/td>Confirm on state page.<\/td>View →<\/a><\/td><\/tr>\r\n <\/tbody>\r\n <\/table>\r\n <\/div>\r\n\r\n

States That Don't Require an Adjuster License<\/h3>\r\n

No general adjuster license required, but residents can designate Texas as their home state (DHS):<\/p>\r\n

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Colorado<\/td>Nebraska<\/td>South Dakota<\/td><\/tr>\r\n
District of Columbia<\/td>New Jersey<\/td>Tennessee<\/td><\/tr>\r\n
Illinois<\/td>North Dakota<\/td>Virginia<\/td><\/tr>\r\n
Kansas<\/td>Ohio<\/td>Wisconsin<\/td><\/tr>\r\n
Maryland<\/td>Pennsylvania<\/td><\/td><\/tr>\r\n
Massachusetts<\/td>Missouri<\/td><\/td><\/tr>\r\n <\/tbody>\r\n <\/table>\r\n <\/div>\r\n\r\n

Reciprocity and licensing rules change, and this list can shift as states pass new laws (Iowa is a recent example). Always confirm current status directly with that state's department of insurance before relying on this table for a specific license decision.<\/p>\r\n <\/div>\r\n <\/section>\r\n<\/section>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\r\n Multi-state licensing<\/span>\r\n

Multi-State Licenses & Reciprocity<\/h2>\r\n
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Many adjusters hold a license in their home state plus non-resident licenses in other states, made possible through reciprocity agreements between states. Mosaic CE is based in Texas, and Texas is one of the most commonly used home states nationwide — here's how reciprocity works if Texas is your base.<\/p>\r\n <\/div>\r\n\r\n

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What \"reciprocity\" actually means<\/h4>\r\n

Reciprocity means a state will issue you a non-resident license based on the license you already hold in your home state, without requiring you to retake that state's exam. To qualify, your home state license generally needs to cover the same or more lines of authority than the license you're requesting, and your home state CE needs to meet that state's \"substantially similar\" requirement.<\/p>\r\n <\/div>\r\n

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Texas as a home state<\/h4>\r\n

Texas requires 24 CE hours<\/span> every 2 years — among the highest in the country. Because of this, Texas CE generally satisfies the home-state CE test that reciprocal states require before issuing or renewing a non-resident license built on your Texas license. Texas is reciprocal with nearly every state.<\/p>\r\n <\/div>\r\n <\/div>\r\n\r\n

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Designated Home State (DHS) — what it means<\/h4>\r\n

DHS only comes into play if you live in a state that doesn't license adjusters at all. Since those states can't issue you an adjuster license, you have to pick another state to serve as your home base for licensing purposes instead — that's what a DHS designation is.<\/p>\r\n

If you actually live in Texas, this doesn't apply to you — you'd simply hold a normal Texas resident adjuster license, no DHS designation needed. Texas is one of only three states that offers a DHS license, alongside Florida and Indiana. Texas and Florida are the two most commonly used, largely because both require 24 CE hours, so reciprocal states don't reject them for insufficient home-state CE. Once issued, a Texas DHS license works the same way as a Texas resident license for reciprocity purposes in most states.<\/p>\r\n <\/div>\r\n\r\n

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\r\n No reciprocity<\/span>\r\n

New York, California & Hawaii<\/h4>\r\n

Don't offer reciprocal licenses to adjusters from any other state. You'll need to meet each state's own requirements directly.<\/p>\r\n <\/div>\r\n

\r\n DHS exception<\/span>\r\n

Alaska & Arizona<\/h4>\r\n

Accept an actual Texas resident license for reciprocity, but not a Texas DHS license — you'd need to pass their state exam instead.<\/p>\r\n <\/div>\r\n

\r\n Non-licensing<\/span>\r\n

16<\/span> States<\/h4>\r\n

These states don't license adjusters at all. Residents can designate Texas as their DHS:<\/p>\r\n

Colorado, District of Columbia, Illinois, Kansas, Maryland, Massachusetts, Missouri, Nebraska, New Jersey, North Dakota, Ohio, Pennsylvania, South Dakota, Tennessee, Virginia, Wisconsin.<\/p>\r\n <\/div>\r\n <\/div>\r\n\r\n

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Where Reciprocity Doesn't Fully Apply<\/h4>\r\n

Even in reciprocal states, a few things can require separate action: some states require specific coursework for annuity, long-term care, or Medicare-related products regardless of reciprocity, and non-reciprocal states (New York, California, Hawaii) require meeting that state's own requirements directly.<\/p>\r\n <\/div>\r\n\r\n

Mosaic CE is a TDI-approved provider (Provider ID #212208), meaning our courses count directly toward your Texas requirement. For other states, we provide this information as a reference point, not a certification — always confirm current rules with that state's department of insurance.<\/p>\r\n <\/div>\r\n <\/section>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\r\n Track your hours<\/span>\r\n

How to Track Your CE Hours Through Sircon<\/h2>\r\n

Sircon is commonly used for insurance licensing and CE transcript tracking. Review progress, confirm reported courses, and verify your renewal deadline anytime.<\/p>\r\n <\/div>\r\n

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1<\/div>

Check completed hours<\/h4>

Review how many CE hours have been reported and accepted.<\/p><\/div>\r\n

2<\/div>

Confirm ethics status<\/h4>

Verify whether your ethics requirement has been satisfied.<\/p><\/div>\r\n

3<\/div>

Review deadlines<\/h4>

Check license expiration and renewal timing before your deadline.<\/p><\/div>\r\n

4<\/div>

Verify provider reporting<\/h4>

Confirm whether completed courses have posted to your transcript.<\/p><\/div>\r\n

5<\/div>

Download records<\/h4>

Save or print transcript records and certificates for backup.<\/p><\/div>\r\n

6<\/div>

Plan early<\/h4>

Allow processing time before renewal to avoid last-minute issues.<\/p><\/div>\r\n <\/div>\r\n <\/div>\r\n <\/section>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\r\n Mosaic CE Reporting<\/span>\r\n

How Your CE Hours Get Reported<\/h2>\r\n

Here's exactly what happens after you complete a course with us.<\/p>\r\n <\/div>\r\n

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Complete the course<\/h4>

Including any final exam or interactive check-ins for classroom-equivalent courses.<\/p><\/div>\r\n

We report on your behalf<\/h4>

Typically through Sircon or the applicable state system. Nothing for you to submit.<\/p><\/div>\r\n

Timing depends on when you finish<\/h4>

Same business day before 5pm CST. Next business day after. Friday after 5pm waits until Monday or Tuesday.<\/p><\/div>\r\n

Verify anytime<\/h4>

Check your Sircon transcript rather than relying on a certificate alone.<\/p><\/div>\r\n <\/div>\r\n

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Don't want to track it yourself?<\/h3>\r\n

Sign up for our Renewal Deadline Checker and we'll email you before your deadline.<\/p>\r\n <\/div>\r\n Sign Up Free<\/a>\r\n <\/div>\r\n <\/div>\r\n <\/section>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\r\n Plan ahead<\/span>\r\n

CE Hours Calculator<\/h2>\r\n

Once you know where you stand on Sircon, use this to estimate what's left to complete.<\/p>\r\n <\/div>\r\n

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CE Compliance Calculator<\/h2>

Enter completed hours to estimate remaining CE, ethics and class-equivalent requirements. Final compliance should be verified with the applicable regulator or reporting system.<\/p><\/div>