Curriculum: New York Personal Lines Agent/Broker Prelicensing (40-Hour)

Lesson 1: NY Regulatory Framework, Producer Licensing, and Personal Auto Insurance. Section topics include: Section 1: Course Welcome and How to Use This Course, Section 2: The PSI NY Personal Lines Exam — What to Expect, Section 3: NY DFS Regulatory Framework, Section 4: Producer License Types — §2103 and the Personal Lines Sub-Scope, Section 5: Core Producer Statutes — §§2102, 2110, 2112, 2120, 2122, 2123, Section 6: Anti-Rebating — §2324 (P&C) and §2123 (producer conduct), Section 7: Continuing Education — §2132, ISO Personal Auto Policy, NY No-Fault (Article 51), UM/SUM under §3420(f), NY mandatory minimum auto coverages, §§3425/3429 cancellation and nonrenewal, VTL §312/§313, NYAIP assigned-risk market, personal umbrella, and boat/watercraft.

• -Identify the New York Insurance Law statutes, DFS regulations, and core concepts covered in Lesson 1: NY Regulatory Framework, Producer Licensing, and Personal Auto Insurance.
• -Apply the lesson's rules to realistic New York Personal Lines Prelicensing (40-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 — HO Forms, NY Property Law, and Specialty Personal Lines. Section topics include: Lesson 2 — HO Forms, NY Property Law, and Specialty Personal Lines, Learning Objectives, Part 1 — ISO Homeowners Forms, Part 2 — The Six HO Coverage Parts (A–F), Part 3 — New York Statutory Framework for Property Insurance, Part 4 — NY Coastal Market: Long Island Wind and Hurricane.

• -Identify the New York Insurance Law statutes, DFS regulations, and core concepts covered in Lesson 2 — HO Forms, NY Property Law, and Specialty Personal Lines.
• -Apply the lesson's rules to realistic New York Personal Lines Prelicensing (40-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: Insurance Principles, Agency Law, and NY Producer Compliance. Section topics include: Part 1 — Insurance Contract Law, Part 2 — Risk Concepts, Adverse Selection, and the Law of Large Numbers, Part 3 — Indemnity, Subrogation, Salvage, and Abandonment, Part 4 — Agency Law, Part 5 — New York Producer Licensing Statutes, Part 6 — Post-Issuance Regulatory Framework (Reg 64, Part 500 cybersecurity, Part 30 disclosure, §2132 CE), and Part 7 — Knowledge Check and Case Study.

• -Identify the New York Insurance Law statutes, DFS regulations, and core concepts covered in Lesson 3: Insurance Principles, Agency Law, and NY Producer Compliance.
• -Apply the lesson's rules to realistic New York Personal Lines Prelicensing (40-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: New York Insurance Law, Ethics, and Regulations. Section topics include: Learning Objectives, Part 1: Producer Licensing — Discipline, Suspension, and Revocation, Part 2: Misrepresentation and Advertising Standards, Part 3: Anti-Rebating, Anti-Discrimination, and Ethics, Part 4: Unfair Claims Settlement Practices, Part 5: Liability Insurance (§3420).

• -Identify the New York Insurance Law statutes, DFS regulations, and core concepts covered in Lesson 4: New York Insurance Law, Ethics, and Regulations.
• -Apply the lesson's rules to realistic New York Personal Lines Prelicensing (40-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.