What can you do with a property and casualty insurance license?

A property and casualty license authorizes you to sell, solicit, or negotiate property and casualty insurance, including home, auto, commercial, and liability coverage. A narrower personal lines license covers noncommercial property and casualty insurance sold to individuals and families. You must hold a license in every state where you do business, and the license alone does not authorize you to represent an insurer until a company appoints you.

A Delaware property and casualty producer license lets you sell property insurance (such as homeowners coverage) and casualty insurance (such as auto and commercial liability) for the lines listed on your license. You can also add the Personal Lines line of authority to cover property and casualty products sold to individuals and families. To act as an agent of an insurer you must be appointed by that insurer; a producer negotiating with non-appointed companies as a broker of the insured does not need an appointment.

A Property and Casualty license lets you sell both property and casualty insurance; Georgia requires the two lines together and does not license Property or Casualty alone. The license also qualifies you to pursue a Surplus Lines Broker license, which requires holding a P&C agent license first. Property-line agents selling flood coverage through the National Flood Insurance Program (NFIP) must also complete a one-time 3-hour NFIP course that counts toward continuing education.

With a Property and Casualty producer license you can sell, solicit, and negotiate property and casualty insurance in Maryland. The Property and Casualty lines also serve as the prerequisite for a Surplus Lines Broker license. A P&C producer who sells flood insurance or bail bonds must complete training directly related to those products, and the combined P&C exam covers homeowners, auto, commercial package, and workers' compensation content.

A property and casualty license lets you sell, solicit, and negotiate property and casualty insurance, including auto, home, liability, and commercial coverage. As an agent you represent the New York-authorized companies that appoint you; as a broker you represent the insured and can place business with any New York authorized company that accepts it. A Property and Casualty Broker license is also a prerequisite for the Excess Lines Broker license.

A property and casualty license lets you sell, solicit, and negotiate property and casualty insurance in South Carolina, including the surety and marine lines covered on the combined exam. A property and casualty producer can also sell travel insurance, but must first be appointed by an insurer. The appointing insurance company files the appointment electronically through NIPR.

A property and casualty license lets you sell homeowners, auto, business liability, and workers' compensation policies. In Wyoming, holding the Property and Casualty lines of authority also covers personal lines, so no separate Personal Lines license is needed, and you do not need the crop limited lines license either.