How do I get a commercial insurance license?

There is no separate commercial insurance license. Commercial lines such as business property, general liability, and workers' compensation fall under the property and casualty (P&C) producer license, so you follow the standard licensing path: complete any required prelicensing education, pass the state P&C exam, submit fingerprints, and apply. Texas, for example, covers commercial lines under its General Lines – Property and Casualty license.

Alaska does not issue a separate commercial insurance license. Commercial coverage falls under the property and casualty lines of authority on an insurance producer license. The Property and Casualty exams each have a general portion with 50 scored questions and an Alaska state portion with 40 scored questions, a passing score of 70, and an $89 exam fee. The producer license application fee is $75.

Connecticut does not issue a separate commercial insurance license; the license types list has no such category. Commercial coverage falls under the Property and Casualty lines of the producer license, so you complete a 40-hour combined pre-licensing course (or 20 hours for either single line), pass the Pearson VUE combined exam ($105, 2.5 hours), and apply online through NIPR. The individual producer application fee is $140.

Florida does not issue a separate commercial insurance license. Commercial property and casualty business falls under the 2-20 Resident General Lines license, which covers property, casualty, surety, marine, and health lines. You qualify by completing a 200-hour department-approved property and casualty course within 4 years of applying (or by meeting the experience alternative), passing the Pearson VUE state exam, submitting fingerprints, and applying online through MyProfile. The license requires an insurer appointment before you can transact business.

Georgia does not issue a separate commercial insurance license. Commercial coverage falls under the Property and Casualty lines, and the state requires you to apply for both together — it does not license just Property or just Casualty. You need a 16-hour combined prelicensing course (8 hours Property plus 8 hours Casualty), a passing score on the Pearson VUE P&C exam, a notarized Citizenship Affidavit, a $120 online application at Sircon, and electronic fingerprints.

Idaho does not issue a separate commercial insurance license. Commercial property and commercial casualty coverage fall under the Property and Casualty major lines of authority, so you add those lines to a producer license. Each line is its own exam, at $65 and 105 minutes each, and the application fee is $80 regardless of the number of lines you apply for.

Kentucky does not issue a separate commercial insurance license. Commercial lines fall under the property and casualty lines of authority on the agent (producer) license, which cover damage to property and legal liability, including business coverages such as commercial property and general liability. You follow the standard agent process: complete 20 hours of prelicensing education for each line of authority, apply through NIPR with a $40 license fee plus $40 per line, submit a criminal background report, and pass each exam with a score of at least 70%.

To sell commercial insurance you add the Property and Casualty lines of authority to a Massachusetts producer license. Each line requires its own exam: the Property Producer exam and the Casualty Producer exam, and the combined Property & Casualty Adviser exam does not satisfy the requirement. You then apply through the National Insurance Producer Registry (NIPR) for the $225 state fee plus a $75 lead paint surcharge for Property and Casualty lines.

Michigan does not issue a separate commercial insurance license; commercial products fall under the Property and Casualty lines of authority. You must complete 40 hours of property and casualty pre-licensing coursework and pass the combined P&C exam, which has 150 items in 2.5 hours with a 74% cut score. The Casualty line includes liability and workers compensation, and the Property line covers property and marine insurance.

Mississippi does not issue a separate commercial insurance license; commercial business falls under the Property and Casualty producer line. You complete 40 hours of prelicensing education (20 for Property and 20 for Casualty), pass the combined Property and Casualty exam (90 scored questions plus 10 pretest, 150 minutes, 70% passing), and pay the $100 license fee.

Missouri has no separate commercial insurance license; commercial lines are sold under the property and casualty producer license. To earn it, you must be at least 18, pass the combined Property and Casualty exam (code 55) or the standalone Property and Casualty exams (codes 52 and 53), and pay the $100 application fee. The combined exam takes 3 hours and requires a scaled score of 70, and Missouri requires no pre-licensing education.

Nebraska does not issue a separate commercial insurance license. Commercial insurance falls under the Property and Casualty producer line, so agents selling commercial coverage hold a P&C producer license. Requirements are being at least 18, passing the PSI Property and Casualty exam ($47 combined, 70% to pass, or $43 for each single-line exam), and applying online at NIPR.com with the $50 resident fee.

New Hampshire does not issue a separate commercial insurance license. Commercial property and liability coverage falls under the Property and Casualty line of authority on a producer license. You pass the PSI Property and Casualty exam, series 12-64, which costs $72, then apply online through the National Insurance Producer Registry (NIPR) with the $210 license fee. No prelicensing course is required. If you later want surplus lines authority, you must already hold the Property and Casualty line.

There is no separate commercial insurance license; you need a producer license with Property and Casualty lines of authority. Pass the Property & Casualty exam, which costs $38 and requires 70% to pass, then wait 3 business days for your results to transmit before applying online for the $60 resident fee. The department processes producer applications in 5-7 business days.

Tennessee does not issue a separate commercial insurance license; a Property and Casualty producer license covers commercial and personal lines together. Complete 20 hours of pre-licensing education for each line, pass the Pearson VUE exams (the combined Property & Casualty exam costs $80, and 70% is the minimum passing score), and complete IdentoGO fingerprinting. Then wait 48 hours after the exam and apply online at the National Insurance Producer Registry (NIPR) with the $50 fee.

Vermont has no separate commercial insurance license. You sell commercial coverage with a Producer license holding the Property and Casualty lines of authority, which you earn by passing the Prometric Series 14-31 exam: 150 scored questions plus 5 unscored items, a 2.5-hour limit, and a $67.60 fee. Auto insurance is the heaviest section at 21% of the exam, and commercial package and businessowners policies are also covered. Vermont requires no prelicensing education hours.

Washington does not issue a separate commercial insurance license. Commercial coverage falls under the property and casualty lines of a producer license. To qualify, pass the PSI exam (the combined property and casualty exam has 150 questions and costs $55; each single-line exam costs $38), apply online, and as a resident submit fingerprints for a background check. The full-lines license fee is $55.

To sell commercial insurance you need a producer license with the Property and Casualty lines of authority. The combined path requires 20 hours of pre-licensing education per line and a combined Pearson VUE exam (150 questions, 210 minutes, $84 fee), plus fingerprinting through Identogo ($47.25) and a $50 application through NIPR. Property and Casualty can also be taken separately, with 20 hours of education and a 90-question exam for each line.

Wisconsin does not issue a separate commercial insurance license. To sell commercial coverage, you need the Intermediary Individual (producer) license with the property and casualty lines of authority, which cover commercial as well as personal lines. The path is the standard resident process: 20 hours of prelicensing education per line with a Wisconsin-approved provider, the $75 PSI exam per line, fingerprinting through Fieldprint, and an electronic application through NIPR ($75 per line plus a $10 application fee for residents).

Wyoming does not issue a separate commercial insurance license. Commercial coverage, such as business liability and workers' compensation, is sold under the Property and Casualty lines of authority. To obtain them, you must be at least 18, pass the Wyoming Insurance Licensing Exam through Pearson VUE, apply online through Sircon with the $100 resident fee, and submit fingerprints for the background check ($39).