Curriculum: New York Property & Casualty Agent/Broker Prelicensing (90-Hour)

Lesson 1 — Orientation, NY DFS Authority, and the PC License Framework. Section topics include: Lesson 1 — Orientation, NY DFS Authority, and the PC License Framework, Section 1 — Course Welcome and Learning Objectives, Section 2 — The PSI NY Property & Casualty Exam, Section 3 — Overview of the New York Department of Financial Services, Section 4 — Structure of the New York Insurance Law, Section 5 — Title 11 NYCRR — The Regulatory Framework.

• -Identify the New York Insurance Law statutes, DFS regulations, and core concepts covered in Lesson 1 — Orientation, NY DFS Authority, and the PC License Framework.
• -Apply the lesson's rules to realistic New York Property & Casualty Prelicensing (90-Hour) transactions, recommendations, claim handling, and consumer-facing communications.
• -Distinguish mandatory regulatory obligations from discretionary or best-practice steps within the lesson topic.
• -Recognize coverage triggers, exclusions, definitions, or procedural deadlines tied to the lesson's products and rules.

Lesson 2: Insurance Contracts, NY Property Insurance Concepts, and Agency Law. Section topics include: PART ONE: Insurance Contract Fundamentals, PART TWO: New York Statutory Property Insurance Law, PART THREE: Coinsurance and Valuation Concepts, PART FOUR: ISO Homeowners Forms in New York, PART FIVE: Commercial Property Insurance, PART SIX: Agency Law Under the New York Insurance Law.

• -Identify the New York Insurance Law statutes, DFS regulations, and core concepts covered in Lesson 2: Insurance Contracts, NY Property Insurance Concepts, and Agency Law.
• -Apply the lesson's rules to realistic New York Property & Casualty Prelicensing (90-Hour) transactions, recommendations, claim handling, and consumer-facing communications.
• -Distinguish mandatory regulatory obligations from discretionary or best-practice steps within the lesson topic.
• -Recognize coverage triggers, exclusions, definitions, or procedural deadlines tied to the lesson's products and rules.

Lesson 3: NY Auto Insurance, No-Fault Law, and Comprehensive Personal Lines. Section topics include: Learning Objectives, Section 3.1 — The ISO Personal Auto Policy: Parts A Through F, Section 3.2 — New York's No-Fault Law: §§5101–5109, Section 3.3 — NY Mandatory Auto Coverage Structure, Section 3.4 — Uninsured Motorist and SUM Coverage Under §3420(f), Section 3.5 — Cancellation and Nonrenewal: §§3425 and 3429.

• -Identify the New York Insurance Law statutes, DFS regulations, and core concepts covered in Lesson 3: NY Auto Insurance, No-Fault Law, and Comprehensive Personal Lines.
• -Apply the lesson's rules to realistic New York Property & Casualty Prelicensing (90-Hour) transactions, recommendations, claim handling, and consumer-facing communications.
• -Distinguish mandatory regulatory obligations from discretionary or best-practice steps within the lesson topic.
• -Recognize coverage triggers, exclusions, definitions, or procedural deadlines tied to the lesson's products and rules.

Lesson 4: Commercial Lines — Property, Liability, Auto, Workers' Compensation, and Specialty Coverages. Section topics include: Section A: Commercial Property — ISO CP Forms and NY-Specific Rules (~2,400 Word, Section B: Businessowners Policy (BOP) — ISO BP 00 03 (~1,200 Words), Section C: Commercial Property Valuation — Coinsurance, Agreed Value, Peak Seaso, Section D: Commercial General Liability — ISO CG 00 01 Structure (~1,200 Words), Section E: CGL Coverage A — Bodily Injury and Property Damage Liability (~1,600 , Section F: CGL Coverage B — Personal and Advertising Injury Liability (~800 Word.

• -Identify the New York Insurance Law statutes, DFS regulations, and core concepts covered in Lesson 4: Commercial Lines — Property, Liability, Auto, Workers' Compensation, and Specialty Coverages.
• -Apply the lesson's rules to realistic New York Property & Casualty Prelicensing (90-Hour) transactions, recommendations, claim handling, and consumer-facing communications.
• -Distinguish mandatory regulatory obligations from discretionary or best-practice steps within the lesson topic.
• -Recognize coverage triggers, exclusions, definitions, or procedural deadlines tied to the lesson's products and rules.

Lesson 5: Excess Lines, ELANY, Adjuster Licensing, Reg 64 Claims Handling, and the NY P/C Insurance Security Fund. Section topics include: Part 1 — The Admitted Market and Its Limits, Part 2 — Unauthorized Insurer Prohibitions (NYIL §2117), Part 3 — The Excess Line Broker License (NYIL §2118), Part 4 — The Excess Line Association of New York (ELANY), Part 5 — The NY P/C Insurance Security Fund (NYIL § 7603 / Article 76), Part 6 — Adjuster Licensing in New York (NYIL §2108), Part 7 — Claims Handling (Reg 64 / 11 NYCRR Part 216), Part 8 — Specialty Lines Overview, Part 9 — Regulatory Cross-References, Part 10 — End-to-End Excess Lines Transaction, Part 11 — Common Exam Pitfalls.

• -Identify the New York Insurance Law statutes, DFS regulations, and core concepts covered in New York DFS Property & Casualty Prelicensing Course.
• -Apply the lesson's rules to realistic New York Property & Casualty Prelicensing (90-Hour) transactions, recommendations, claim handling, and consumer-facing communications.
• -Distinguish mandatory regulatory obligations from discretionary or best-practice steps within the lesson topic.
• -Recognize coverage triggers, exclusions, definitions, or procedural deadlines tied to the lesson's products and rules.

Lesson 6: Producer Conduct, Unfair Claims Practices, NY Workers' Compensation & Labor Law, ISO Forms, and PSI Mock Final. Section topics include: Part I — Producer Conduct and Grounds for License Action (NYIL §2110, §2122–§2129, §2127), Part II — Unfair Claims Settlement Practices (NYIL §2601), Part III — P/C Statutes: Liability, Cancellation, Hurricane Deductibles (§3420, §3425, §3426, §3429, §3433), Part IV — Claims Handling Regulations (Reg 64 / Reg 79), Part V — Producer-Specific Regulations, Part VI — Excess Lines and ELANY (§2117/§2118), Part VII — NY Workers' Compensation and Labor Law, Part VIII — Key ISO Policy Forms, Part IX — Adjuster Licensing (§2108), Part X — Integrated Scenario Review, Part XI — Exam Strategy, Part XII — 150-Question PSI-Style Mock Final Examination.

• -Identify the New York Insurance Law statutes, DFS regulations, and core concepts covered in Learning Objectives.
• -Apply the lesson's rules to realistic New York Property & Casualty Prelicensing (90-Hour) transactions, recommendations, claim handling, and consumer-facing communications.
• -Distinguish mandatory regulatory obligations from discretionary or best-practice steps within the lesson topic.
• -Recognize coverage triggers, exclusions, definitions, or procedural deadlines tied to the lesson's products and rules.