Colorado issues one Producer license listing separate Property and Casualty lines of authority. The ordinary combined resident pathway uses one approved 50-hour Property and Casualty prelicensing course, followed by both the Property (03) and Casualty (04) Pearson VUE examinations and an electronic application for both authorities.
Eligibility
- Minimum age
- 18
- Residency requirement / status
- Ordinary resident-individual pathway for a Colorado resident seeking both Property and Casualty lines of authority on one Producer license.
- General eligibility explanation
- Be a Colorado resident and at least 18. Colorado also requires applicants to be trustworthy, competent, financially responsible, and of good personal and business reputation, with required licensing and disciplinary disclosures.
Prelicensing education
- Prelicensing education required
- Conditional
- Required education hours
- 50 hours for a combined Property and Casualty course
- Education requirement explanation
- Complete a Division-approved combined Property and Casualty course before testing unless an exemption applies. The 50 hours include 3 hours of ethics, 3 hours of general Colorado insurance law, and 4 hours of Colorado law specific to the line of business. The provider reports completion electronically. The certificate is valid for one year.
- Exemptions available
- Conditional
- Exemption explanation
- A qualifying recent resident-license transfer, reinstatement, or an AAI, ARM, CIC, or CPCU designation may change education or examination requirements. Verify the applicant’s exact authorities, timing, and documentation.
Background
- Fingerprints required
- No
- Background check required
- Conditional
- Fingerprint / background instructions
- The ordinary resident requirements reviewed do not list fingerprint submission. Applicants must answer screening questions and upload supporting documentation for required affirmative answers. Colorado reviews criminal convictions and bankruptcy disclosures case by case.
Application
- Application required
- Yes
- Application fee
- $44 per authority effective April 1, 2026; $88 for both Property and Casualty, excluding vendor transaction charges if any
- Application channel / system
- Sircon or NIPR electronic application
- Application instructions
- Complete required education and pass both examinations unless an exception applies, then apply electronically for Property and Casualty within one year after passing. Answer screening questions and upload requested documents. Supply missing items within 20 days; an application still incomplete after 30 days may be closed and the fee forfeited.
- Official application reference
- https://doi.colorado.gov/insurance-industry/for-producers/agents
Renewal & maintenance
- Renewal cycle
- Every two years on the last day of the producer’s birth month; the first cycle is 13 to 24 months
- Renewal fee
- $27 per authority effective April 1, 2026; $54 for both Property and Casualty
- CE required
- Conditional
- CE hours
- 24 total beginning with the second continuation cycle: 18 in a licensed category, 3 ethics, and 3 elective
- CE cycle
- Biennial; due by the continuation date
- Ethics hours
- 3
- CE explanation
- A producer holding Property must complete at least 3 homeowners credits within the 24-hour total. Up to 12 eligible excess credits earned in the final 120 days may carry to the next cycle. First-cycle credits do not carry forward.
- CE exemptions / special rules
- The first continuation cycle is exempt. Limited-license and nonresident home-state reciprocity rules may differ. Claims-made policy training and other product-specific duties must be evaluated separately from the ordinary licensing pathway.
Portability
- Nonresident licensing available
- Yes
- Reciprocity / nonresident overview
- A qualified nonresident generally holds equivalent home-state Property and Casualty authorities and applies electronically without repeating Colorado resident education or examinations. Recent residents may qualify for a 90-day transfer exemption subject to verification or a letter of clearance.
- Portability / mobility notes
- Do not apply ordinary resident education and testing language automatically to nonresidents, transfers, or reinstatements. Equivalent authorities and timing control available relief.
Military / veteran / spouse
- Veteran-specific provisions
- No insurance-specific initial-applicant veteran benefit was verified. Colorado law provides request-based continuation relief when an existing producer misses procedures because of military service; it is not an automatic initial-license waiver.
- Military-spouse provisions
- No insurance-specific initial producer fee waiver, examination waiver, or expedited pathway for military spouses was verified in the reviewed Title 10 sources. General occupational-credential programs should not be assumed to override insurance producer requirements.
- Fee waiver available
- No
- Expedited processing available
- No
- Military experience / education credit
- Conditional
- Temporary / provisional authority
- Temporary producer authority is limited to statutory business-continuity situations for up to 180 days, including a designee when a producer enters active service. It is not the ordinary applicant pathway.
Source governance
- Primary authoritative source
- https://www.pearsonvue.com/content/dam/VUE/vue/en/documents/publications/120600.pdf
- Secondary official sources
- Colorado Division of Insurance producer page; 3 CCR 702-1 Regulations 1-2-4, 1-2-5, and 1-2-10; Colorado Revised Statutes Title 10; NAIC Producer Licensing Model Act
- Statute / regulation reference
- C.R.S. §§ 10-2-201–203, 10-2-301, 10-2-401–410; 3 CCR 702-1, Regulations 1-2-4, 1-2-5, and 1-2-10
- Source reference URL
- https://doi.colorado.gov/insurance-industry/for-producers/agents
- Last verified date
- 2026-08-19
- Verification status
- Verified
- Review / recheck date
- 2026-11-19
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