PLNew Yorkeasy
In New York, which license allows a producer to solicit, negotiate, and sell personal lines policies (auto and homeowners) to consumers?
AA separate New York Personal Lines license issued by DFS
BA New York Life, Accident & Health license under § 2103(b)
A New York Property/Casualty broker or agent license under NY Ins. Law §§ 2103 or 2104
DA New York Independent Adjuster license under § 2108
Why this is the answer
Unlike many other states (Texas and Florida, for example), New York does not maintain a separate personal-lines-only producer license. Personal lines (homeowners, personal auto, dwelling fire, umbrella, inland marine) is part of the broader 'property/casualty' authority of either a § 2103 agent (appointed to represent specific insurers) or a § 2104 broker (represents the customer). Both licenses require the same 40-hour pre-licensing and PSI examination for the P&C line. A § 2108 adjuster license authorizes only claim adjusting, not solicitation or sale.
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