Getting an insurance license in Colorado

Colorado requires pre-licensing education for Life, Accident and Health, Property, Casualty, Personal Lines , at 50 hours.

Fifty hours per line, and the same fifty whether the line is taken alone or in a pair: Regulation 1-2-5 section 7 prices Combined Property & Casualty at fifty hours as well, so taking the two together genuinely costs less than taking them apart. Inside the fifty are three hours on insurance industry ethics, three on Colorado insurance law that is general, and four on Colorado insurance law specific to the line; the three ethics hours are taken once however many lines are applied for. A certificate expires one year after completion and the Division will not accept an older one. Nothing else on the Division's list of fourteen lines of authority carries any prelicensing course at all, and the statute is narrower than the rule: section 10-2-201(1)(a), C.R.S. reaches an applicant for "life, sickness and accident, or property and casualty lines" and never mentions personal lines, which the regulation and the candidate handbook both require. Four grounds skip the education, at section 10-2-202, and two of them skip the examination as well, at section 10-2-403: having held the same line in Colorado or another state, and moving here and applying within ninety days. Designations are the other exemption and Colorado treats them as courses rather than as substitutes for one: Regulation 1-2-5 section 6.C. treats the whole curriculum of an AAI, ARM, CIC or CPCU as an approved course for property and casualty, an RHU, CEBS, REBC or HIA for accident and health, and a CEBS, ChFC, CIC, CFP, CLU, FLMI or LUTCF for life, and the handbook has such an applicant give Pearson VUE the school exemption code 99999.

Read at the Department on 2026-08-20 . 3 CCR 702-1, Regulation 1-2-5, section 7, under sections 10-2-104 and 10-2-201(2), C.R.S.

Colorado requires pre-licensing education for Casualty, before a bail insurance company may appoint the producer to write bail bonds , at 24 hours.

Colorado licenses no bail bondsman. The Division answers the question itself, in its own frequently asked questions: "There is no such thing as bail agent authority. To be qualified to write bail bonds in Colorado as of 7/1/2012 you must be licensed as an insurance producer with the casualty line of authority."What there is instead is twenty-four hours that nobody may write bail without, and they sit on the appointment rather than on the license. Section 10-2-415.5(2)(c)(I), C.R.S. forbids a bail insurance company to appoint a producer as its agent to write bail bonds unless the producer has completed Division-approved education of at least eight clock hours on bail bonding, of which two concern the criminal court system, two bail bond industry ethics and four the bail bond laws, and sixteen clock hours of training in bail recovery practices meeting standards set by the peace officers standards and training board under section 24-31-303(1)(h), C.R.S. The statute calls it prelicensure education and the Division calls it preappointment education, and neither is quite right: the producer is licensed before it and appointed after it. The Division publishes no register of approved bail courses. Two other states here meet peace officer training on a bail license and both do the opposite of this: Montana at MCA 33-17-1602(7)(a) and Nevada at NRS 697.177(3) accept it in place of the hours, and Colorado has a law enforcement training board set the standard the hours must meet.

Read at the Department on 2026-08-20 . Section 10-2-415.5(2)(c)(I), C.R.S.