New York’s ordinary resident Property/Casualty Agent pathway uses authority code PC, a 90-hour approved course, PSI examination 17-56, and an application through NY LINX. The BR Broker pathway and broker-only experience waivers are separate.
Eligibility
- Minimum age
- 18
- Residency requirement / status
- Resident individual applicant
- General eligibility explanation
- Ordinary first-time New York resident individual seeking the Property/Casualty Agent authority, code PC. The BR Broker route is separate.
Prelicensing education
- Prelicensing education required
- Yes
- Required education hours
- 90
- Education requirement explanation
- Complete a DFS-approved 90-hour Property/Casualty Agent/Broker course. NIPR reports that the school certificate remains valid for life.
- Exemptions available
- Yes
- Exemption explanation
- A CPCU agent applicant may waive ordinary education and use laws-and-regulations exam 17-74. A qualifying same-line mover may receive education/exam relief. Broker-only experience waivers are outside this Agent pathway.
Background
- Fingerprints required
- No
- Background check required
- No
- Fingerprint / background instructions
- The ordinary PC Agent checklist does not list a separate fingerprint submission step. DFS still reviews background disclosures and applicable federal-law issues; this is a scoped checklist conclusion, not a universal statement that New York never performs background review.
Application
- Application required
- Yes
- Application fee
- $80 when the initial term exceeds one year; $40 when it is one year or less. Any live-system transaction charge is additional and must be confirmed before filing.
- Application channel / system
- NY LINX
- Application instructions
- Complete approved education or a documented Agent exemption, pass PSI 17-56, and apply through NY LINX within two years. An insurer appointment is not required for issuance; appointment notice is due within 15 days after the agency contract or first application.
- Official application reference
- https://www.dfs.ny.gov/apps_and_licensing/agents_and_brokers/lic_app_pc_br
Renewal & maintenance
- Renewal cycle
- Up to two years; expires on the birthday in the odd/even year matching the licensee’s birth year
- Renewal fee
- $80 full term or $40 half term; transaction charges may be additional
- CE required
- Yes
- CE hours
- 15
- CE cycle
- Each covered licensing period after the first-term rule
- Ethics hours
- At least 1 ethics/professionalism hour, 1 New York insurance-law hour, and 1 diversity/inclusion/bias hour
- CE explanation
- A Property/Casualty licensee also completes the applicable flood-insurance instruction. The first term does not trigger CE unless the license has been effective more than two years.
Portability
- Nonresident licensing available
- Yes
- Reciprocity / nonresident overview
- A qualifying same-line mover currently licensed or applying within 90 days after cancellation in good standing may receive the statutory education/exam exception.
Military / veteran / spouse
- Veteran-specific provisions
- A qualifying discharged service member may receive a license-fee waiver for one current licensing period. Qualifying active service can extend a license and CE timing, and narrow business-continuation relief exists. No separate ordinary military-spouse or surviving-spouse initial-license waiver was found in the reviewed official set.
Source governance
- Primary authoritative source
- https://www.dfs.ny.gov/apps_and_licensing/agents_and_brokers/lic_app_pc_br
- Secondary official sources
- PSI New York Insurance Candidate Information Bulletin; NIPR New York resident-individual requirements; DFS fee and continuing-education pages
- Statute / regulation reference
- New York Insurance Law §§ 2103 and 2109; Military Law § 308-b; 11 NYCRR 20
- Source reference URL
- https://test-takers.psiexams.com/api/content/bulletin/7208
- Last verified date
- 2026-08-23
- Verification status
- Verified
- Review / recheck date
- 2026-11-23
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