State Guide
Insurance CE Requirements
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.
Don't wait until your deadline to start your hours.
Finishing 30 days early gives your provider time to report and gives you time to fix anything before it becomes a fine.
What Is Continuing Education (CE)?
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.
Almost every state ties CE directly to your license renewal. Skip it, and your renewal gets held up, or your license lapses.
How CE requirements generally work
Requirements vary by state, but most states share the same basic structure:
A set number of hours required per renewal cycle, usually every 1 to 2 years
Ethics hours, 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.
A format requirement, often a mix of classroom-equivalent (structured, interactive online courses) and self-study
A reporting step, where your course provider submits your completed hours to the state, not you
A penalty for missing the deadline, ranging from fines to a temporary loss of license standing
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.
Typical CE requirement most states use as their baseline, every 2 years
Most common ethics requirement within that total
Common cap on self-study; the rest must be classroom-equivalent in states that split the two
Most states, including Texas, set this by your birth month. California is a notable exception, using your license issue date instead.
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.
Find Your State's CE Requirements
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.
Fully Reciprocal with Texas
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.
| State | CE Hours & Renewal Cycle | State CE Requirements |
|---|---|---|
| Texas Home State | 24 hours every 2 years, 3 ethics, 50% classroom-equivalent. | View → |
| Alabama | 24 hours every 2 years, 3 ethics. | View → |
| Arkansas | 24 hours every 2 years, 3 ethics. | View → |
| Connecticut | 24 hours every 2 years, 3 ethics. | View → |
| Delaware | 24 hours every 2 years, 3 ethics. | View → |
| Florida | 24 hours every 2 years (20 after 6 years licensed), 4 hrs law & ethics. | View → |
| Georgia | 24 hours every 2 years (20 after 20 years licensed), 3 ethics. | View → |
| Idaho | 24 hours every 2 years, 3 ethics. | View → |
| Indiana | 24 hours every 2 years. No ethics requirement for adjusters (P&C). | View → |
| Iowa | Recently began licensing adjusters (2025). Hours not yet finalized; confirm on state page. | View → |
| Kentucky | 24 hours every 2 years, 3 ethics. | View → |
| Louisiana | 24 hours every 2 years, 3 ethics. | View → |
| Maine | 24 hours every 2 years, 3 ethics. | View → |
| Michigan | No CE required for adjusters. License renews annually. (Producers require 24 hrs/2yrs, 3 ethics.) | View → |
| Minnesota | 24 hours every 2 years, 3 ethics. | View → |
| Mississippi | 24 hours every 2 years, 3 ethics. | View → |
| Montana | 24 hours every 2 years, 3 ethics, plus 1 hr on Montana law changes. | View → |
| Nevada | 24 hours every 3 years, 3 ethics. | View → |
| New Hampshire | 24 hours every 2 years (multi-line adjusters), minimum 3 ethics. | View → |
| New Mexico | 24 hours every 2 years, 3 ethics. | View → |
| North Carolina | 24 hours every 2 years, 3 ethics, plus 3 hrs flood every 4 years. | View → |
| Oklahoma | 24 hours every 2 years, 3 ethics, plus 2 hrs legislative updates. | View → |
| Oregon | 24 hours every 2 years, 3 ethics, plus 3 hrs Oregon law. | View → |
| Rhode Island | New as of 2026 renewals: 24 hours (3 ethics + 21 general). Previously no CE was required for adjusters. | View → |
| South Carolina | 24 hours every 2 years, 3 ethics, 8 hrs per line of authority. | View → |
| Utah | 24 hours every 2 years, 3 ethics, 12 hrs classroom or classroom-equivalent. | View → |
| Vermont | 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.) | View → |
| Washington | 24 hours every 2 years. | View → |
| West Virginia | 24 hours every 2 years, 3 ethics. | View → |
| Wyoming | 24 hours every 2 years, 3 ethics. | View → |
Reciprocal, with One Exception
These accept an actual Texas resident license, but not a Texas designated home state (DHS) license:
| State | CE Hours & Renewal Cycle | State CE Requirements |
|---|---|---|
| Alaska | Confirm on state page. | View → |
| Arizona | Commonly 48 hours every 4 years. | View → |
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.
Not Reciprocal with Texas at All
These states require their own license and CE regardless of your Texas license:
| State | CE Hours & Renewal Cycle | State CE Requirements |
|---|---|---|
| California | Commonly 24 hours every 2 years. | View → |
| New York | Commonly 15 hours every 2 years. | View → |
| Hawaii | Confirm on state page. | View → |
States That Don't Require an Adjuster License
No general adjuster license required, but residents can designate Texas as their home state (DHS):
| Colorado | Nebraska | South Dakota |
| District of Columbia | New Jersey | Tennessee |
| Illinois | North Dakota | Virginia |
| Kansas | Ohio | Wisconsin |
| Maryland | Pennsylvania | |
| Massachusetts | Missouri |
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.
Multi-State Licenses & Reciprocity
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.
What "reciprocity" actually means
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.
Texas as a home state
Texas requires 24 CE hours 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.
Designated Home State (DHS) — what it means
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.
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.
New York, California & Hawaii
Don't offer reciprocal licenses to adjusters from any other state. You'll need to meet each state's own requirements directly.
Alaska & Arizona
Accept an actual Texas resident license for reciprocity, but not a Texas DHS license — you'd need to pass their state exam instead.
16 States
These states don't license adjusters at all. Residents can designate Texas as their DHS:
Colorado, District of Columbia, Illinois, Kansas, Maryland, Massachusetts, Missouri, Nebraska, New Jersey, North Dakota, Ohio, Pennsylvania, South Dakota, Tennessee, Virginia, Wisconsin.
Where Reciprocity Doesn't Fully Apply
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.
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.
How to Track Your CE Hours Through Sircon
Sircon is commonly used for insurance licensing and CE transcript tracking. Review progress, confirm reported courses, and verify your renewal deadline anytime.
Check completed hours
Review how many CE hours have been reported and accepted.
Confirm ethics status
Verify whether your ethics requirement has been satisfied.
Review deadlines
Check license expiration and renewal timing before your deadline.
Verify provider reporting
Confirm whether completed courses have posted to your transcript.
Download records
Save or print transcript records and certificates for backup.
Plan early
Allow processing time before renewal to avoid last-minute issues.
How Your CE Hours Get Reported
Here's exactly what happens after you complete a course with us.
Complete the course
Including any final exam or interactive check-ins for classroom-equivalent courses.
We report on your behalf
Typically through Sircon or the applicable state system. Nothing for you to submit.
Timing depends on when you finish
Same business day before 5pm CST. Next business day after. Friday after 5pm waits until Monday or Tuesday.
Verify anytime
Check your Sircon transcript rather than relying on a certificate alone.
Don't want to track it yourself?
Sign up for our Renewal Deadline Checker and we'll email you before your deadline.
CE Hours Calculator
Once you know where you stand on Sircon, use this to estimate what's left to complete.
A 24-hour bundle with ethics and classroom-equivalent built in takes the guesswork out.
Skip the course-by-course puzzle. Our bundles are pre-built to satisfy your full requirement, including any classroom-equivalent split.
Classroom Equivalent
Not every state uses this distinction, but many do. Where it applies, states generally split CE into two types:
- Self-study: courses you complete at your own pace, with fewer built-in checkpoints
- Classroom or classroom-equivalent: courses built to include the same structure as in-person instruction — timed progression, comprehension checks, and monitored completion
Some states require a minimum portion of your hours (often half) to be classroom-equivalent, and cap how much you can complete through self-study alone. Others don't distinguish between the two at all.
Renewal Cycles & Deadlines
Most states renew licenses on a set cycle (commonly every 1 to 2 years), tied to your birth month. Texas follows this same pattern: your license renews every 2 years on the last day of your birth month.
CE should be completed before that date, not on it. Providers typically need time to report your hours to the state, so finishing early matters more than it might seem — a course finished the day before your deadline may not be reflected on your transcript in time.
What Happens If You Miss Your Deadline
Consequences vary, but most states use some combination of:
- A fine per missing CE hour
- A grace period to make up the shortfall
- Temporary inactivation of your license if the shortfall isn't resolved in time
- A requirement to reapply if the license lapses for too long
Your state's specific fine amounts and grace periods are on that state's page.
Here's how this typically plays out
- 0–90 days late: $50 fine per deficient hour (max $500/license). Finish hours + pay fine to reinstate normally.
- 90 days–1 year: Still reinstateable without retaking the exam — new application, late fee, new fingerprints.
- 1+ year: Must retake and pass the licensing exam, submit a new application, and clear outstanding CE fines.
- TDI recommends finishing CE 30 days before your deadline to avoid this entirely.
Why Choose Mosaic CE
TDI-Approved
Provider ID #212208
Automatic Reporting
We report completed hours to the state for you
Classroom-Equivalent Included
Courses built to satisfy the 50% split
Self-Paced
100% online, mobile-friendly
Built for Insurance Pros
Not a generic CE platform
Same-Day Reporting
Before 5pm CST, most business days