Two duties keep a producer useful to clients: keep learning, and never leave a client guessing about when protection begins.
Continuing education (Ins. Code §1749.3): an individual licensed as a property and/or casualty broker-agent must complete 24 hours of instruction before each license renewal.
Three of those hours must be an ethics course; the CDI outline says every licensee must complete a 3-hour ethics course as part of the required hours before each renewal.
Since March 1, 2023, the ethics course must include one hour on insurance fraud.
The hours may be completed any time before renewal.
Holding both property and casualty does not double the requirement: the statute sets one 24-hour minimum for the licensee.
Effective date of coverage (Ins. Code §1730.5): at the time of application or receipt of premium, a licensee must give the applicant the effective date of coverage if it is known. If there are conditions precedent, the licensee must instead give the circumstances under which coverage will become effective. A firm date would be wrong when a condition must be met first.
This disclosure duty applies only to personal lines, such as auto, homeowner, renter and personal liability coverage.