What is a property and casualty (P&C) insurance license?

A property and casualty (P&C) license is a state-issued insurance producer license that lets you sell, solicit, or negotiate property insurance and casualty insurance. Property insurance covers direct or consequential loss or damage to property of every kind; casualty insurance covers legal liability for death, injury, disability, or damage to property. One P&C license typically covers personal products like home and auto as well as commercial coverages such as liability and workers compensation.

A property and casualty (P&C) insurance license authorizes a producer to sell property insurance, which covers damage to physical assets such as homes, and casualty insurance, which covers liability for injury or damage to others. In Alabama the combined P&C exam has 150 questions, allows 3 hours, and requires 105 correct answers (70%) to pass, with a $75 fee. Separate Property-only and Casualty-only exams each cost $50.

A property and casualty (P&C) license lets an agent sell insurance covering property risks (homes, autos, businesses) and casualty risks (liability). In Alaska, property and casualty are two of the six major lines of authority, and a producer must pass both a general exam portion and an Alaska state portion for each. Alaska also folds personal lines into the property and casualty lines, so a producer who holds P&C authority may not add a separate personal lines license.

A property and casualty (P&C) license authorizes an agent to sell insurance covering damage to property and legal liability, including personal auto, homeowners, and commercial coverage. Each Arizona license is valid only for the lines of authority shown on it, so agents must hold the license matching the products they sell. In Arizona, the combined P&C exam (Series 13-34) costs $59, and the $120 license is issued after applying through the National Insurance Producer Registry.

A property and casualty (P&C) license authorizes an insurance producer to sell property and casualty insurance, including commercial lines. It is separate from a life and health license. In Arkansas, you earn it by completing prelicensing education, applying through the National Insurance Producer Registry (NIPR), and passing the combined PSI Property/Casualty exam, which allows 3.5 hours, costs $50, and requires a 70% score.

A property and casualty (P&C) broker-agent license authorizes a person to transact both property and casualty insurance in California. You obtain it by selecting both the Property Broker-Agent and Casualty Broker-Agent license types on the exam scheduling and license application; CDI then charges one filing fee ($188 for the two-year term) and administers one combined exam of 150 questions with 195 minutes allowed. A 60% score is required to pass.

A Property and Casualty (P&C) license is a line of authority on Colorado's single producer license that permits you to transact property and casualty insurance. Colorado requires 50 hours of prelicensing education and an exam for each of the two lines. The license also opens other paths: Surplus Lines applicants must hold an active P&C license or apply for it simultaneously, and bail bond business requires a Casualty license plus appointment by a bail insurer. P&C producers renew every two years and must complete at least 3 continuing education credits in homeowners coverage each cycle.

A property and casualty (P&C) license is the authority to solicit, negotiate, and sell property and casualty insurance, such as auto, homeowners, and liability coverage. In Connecticut, a producer earns this authority by completing 40 hours of combined P&C pre-licensing education (20 hours for property alone or casualty alone), passing the Pearson VUE exam, and applying through the National Insurance Producer Registry (NIPR).

A property and casualty (P&C) license is an insurance producer license authorizing the holder to sell property and casualty lines of insurance, such as auto, home, and commercial coverage. In Delaware these are two separate major lines of authority under Title 18, so candidates take two separate Pearson VUE exams: Property (85 scored questions) and Casualty (95 scored questions). A producer must hold the line of authority in Delaware before transacting that class of insurance.

A property and casualty (P&C) license is an insurance producer license with authority in the property and casualty lines, which cover personal and commercial property and liability coverage. In DC, resident applicants must pass the separate Pearson VUE Property and Casualty exams (75 and 80 scored questions respectively), submit to fingerprinting and a background check ($31.50), and apply at nipr.com with a $100 biennial license fee.

A Florida property and casualty (P&C) license is the 2-20 resident General Lines (Property, Casualty, Surety, Marine, Health and Miscellaneous Lines) license. It lets the holder insure automobiles, watercraft, homes, motorcycles, and pets, and write E&O, workers compensation, and bonds, once appointed by an insurer. To qualify, you complete a 200-hour department-approved course within four years of applying, or meet an experience alternative, and pass the state examination.

A property and casualty (P&C) license authorizes an agent to sell policies covering property damage and liability, such as home, auto, and business insurance. It is separate from life and health licensing. In Georgia, Property and Casualty are licensed together, so the state does not license just Property or just Casualty. Personal Lines is a distinct Georgia license covering policies sold to individuals and families.

A property and casualty (P&C) license authorizes a producer to sell property insurance and casualty insurance. Property insurance covers homeowner, commercial property, and inland marine risks, while casualty covers auto, workers compensation, crime, and professional liability. In Idaho, Property and Casualty are separate lines of authority, each with its own $65 exam and a 105-minute time limit; holding both also covers Personal Lines.

A P&C license is an insurance producer license with the Property and Casualty lines of authority, which authorize the holder to sell property and casualty products. In Illinois, each line requires 20 hours of pre-licensing education (7.5 in a classroom), so a candidate for both lines completes the hours separately for property and again for casualty. The candidate must pass a General and a State exam for each line with a score of 70 and pay the $215 resident license fee.

A property and casualty (P&C) license is a state insurance producer license that authorizes you to sell policies covering property damage (homes, autos) and liability for injuries or damage to others. In Indiana, the combined P&C license requires 40 hours of pre-licensing education, a Pearson VUE exam with 150 questions in 180 minutes, a 70% passing score, and a $40 application fee submitted through Sircon or the National Insurance Producer Registry (NIPR).

A property and casualty license is an insurance producer license that authorizes the holder to sell property insurance and casualty insurance. In Iowa, property and casualty are separate lines of authority, so a producer passes a distinct Pearson VUE exam for each line, at $44 per exam. Iowa also offers a personal lines license for property and casualty coverage sold to individuals and families for noncommercial purposes.

A property and casualty license is an insurance producer license covering two major lines: Property and Allied Lines, and Casualty and Allied Lines. In Kansas you qualify by passing a licensing exam ($64 for the combined Property & Casualty exam, or $57 for each single-line exam), and no prelicensing education is required. The passing score is 70%, and exam scores are valid for 2 years after the exam date.

A property and casualty (P&C) license in Kentucky is an agent license that qualifies you to sell property coverage and casualty coverage. The property line covers direct or consequential loss or damage to property of every kind, while the casualty line covers legal liability for death, injury, disability, or damage to real or personal property. An agent may hold one or both lines, and each line requires its own examination.

A property and casualty (P&C) insurance license is a Louisiana producer license for the Property and Casualty lines of authority, covering both personal and commercial lines, including automobile. You earn it by passing the combined PSI exam (Series 106, $58 fee), which requires no prelicensing education, and filing your application through the National Insurance Producer Registry (NIPR).

A property and casualty (P&C) license is a Maine insurance producer license with Property and Casualty lines of authority, letting the holder transact property and casualty insurance. Resident applicants must pass the combined Pearson VUE P&C exam (12-ME-03), which costs $80, runs 3 hours 30 minutes, and has 140 scoreable questions plus unscored pretest questions.

A property and casualty (P&C) insurance license is the Maryland producer license covering the Property and Casualty lines of authority. It authorizes the holder to sell, solicit, or negotiate property insurance (such as home and auto coverage) and casualty insurance on behalf of an insurer. Maryland law requires a producer license in the kind of insurance a person intends to sell, plus an appointment from the insurer.

A property and casualty (P&C) license in Massachusetts is a producer license carrying Property and Casualty lines of authority, which authorize a producer to sell property and liability insurance. Massachusetts issues one producer license, and these lines are added to it. Earning them requires passing two separate exams, the Property Producer exam and the Casualty Producer exam; the single Property & Casualty Adviser exam does not satisfy the requirement. Producers holding these lines pay a $300 license fee, which is the $225 base fee plus a $75 lead paint surcharge.

A property and casualty (P&C) license is a producer license that lets you sell both property insurance and casualty insurance. In Michigan, the Casualty line includes liability, workers compensation, auto, and related coverages, while the Property line covers property and marine insurance. Earning it requires 40 hours of pre-licensing coursework, a passed state exam, and appointment by an insurer. Personal Lines, covering personal auto and homeowners insurance, is included automatically with a P&C license.

A property and casualty (P&C) license is a line of authority on an insurance producer license that permits the holder to sell, solicit, or negotiate insurance covering property damage and liability, such as home, auto, and business coverage. In Minnesota, obtaining it requires 20 hours of prelicensing education for each line, a passing score of 70% on the PSI exam, fingerprints, and an online application. In Minnesota, an appointment by an insurance company is required before the licensee can transact business.

A property and casualty (P&C) insurance license is a Mississippi Insurance Producer license with Property and Casualty lines of authority, letting the holder sell property and casualty products such as auto, homeowners, workers' compensation, and surety coverage. Since the 2009 producer licensing law, Property and Casualty are separate lines, and a Personal Lines line covers non-commercial coverage only. Each line requires 20 hours of prelicensing education and a licensing exam, and the license fee is $100.

A property and casualty (P&C) license authorizes a producer to sell insurance covering damage to property and legal liability for injuries or damage. In Missouri, you earn it by being 18, passing the Pearson VUE Property and Casualty exam (code 55, $40 fee, 3 hours) or the standalone exams, and paying the $100 license fee. The license is valid for 2 years and renews for $100, with 16 hours of continuing education including 3 hours of ethics required each cycle.

A property and casualty (P&C) insurance license is a producer license covering the property line and the casualty line of authority. In Montana these are two separate lines, so you take two separate exams: the Property exam has 82 scoreable questions and the Casualty exam has 87, and each requires a passing score of 75%. Both lines appear on the National Insurance Producer Registry (NIPR) list of exams required for an Insurance Producer license.

A P&C license is a Nebraska insurance producer license for the Property and Casualty lines of authority, which allows you to sell, solicit, or negotiate property and casualty insurance in the state. You earn it by passing the PSI exams: $43 for each single-line exam or $47 for the combined exam, all with a 70% passing score. Renewal costs $50 and requires 24 hours of continuing education, including 3 hours of ethics, every 2 years.

A property and casualty license is a state-issued license that permits the holder to sell or advise on property and casualty insurance products, such as home, auto, and commercial coverage. In Nevada, the related lines of authority include Property, Casualty, and Personal Lines, and a resident must pass the state exam for each line. The combined Property/Casualty exam is also available.

A property and casualty (P&C) license is a New Hampshire producer license that lets you sell, solicit, or negotiate property and casualty insurance. To get one, you must pass the PSI exam (series 12-64, $72) and apply online through the National Insurance Producer Registry (NIPR) with a $210 license fee. New Hampshire does not require a prelicensing course, so exam prep materials are optional.

A property and casualty (P&C) license is an insurance producer license authority that permits selling property insurance and casualty insurance. In New Jersey, each line requires 20 hours of prelicensing education, and you must pass the PSI exam with at least 70% to be licensed. Personal lines, a related authority, covers property and casualty insurance sold to individuals and families for primarily noncommercial purposes.

A property and casualty (P&C) license is an insurance producer license that authorizes selling property insurance and casualty insurance, the lines covering homes, vehicles, and liability exposures. New Mexico applicants pass a combined Property and Casualty exam through PSI with a 70% minimum score, or separate exams for each line. Actively holding both property and casualty producer licenses is also a prerequisite for a surplus lines broker license.

A property and casualty (P&C) insurance license authorizes a person to sell, solicit, or negotiate property and casualty insurance, such as auto, home, and liability coverage. A P&C agent represents New York-authorized companies that have appointed the agent, while a P&C broker represents the insured and can place business with any authorized company that will accept it. In New York, P&C licensing requires 90 hours of prelicensing education, a passing exam score, and an $80 license fee for residents.

A property and casualty (P&C) license is an insurance producer license from the North Carolina Department of Insurance that authorizes selling property and liability coverage. In North Carolina, Property and Casualty are two separate lines of authority: Property covers homeowners, dwelling, flood, and business property; Casualty covers auto, commercial liability, surety, workers compensation, and umbrella. Each line requires its own Pearson VUE exam (55 questions plus 5 pretest, 1 hour 15 minutes) and its own $50 registration fee.

A property and casualty (P&C) insurance license authorizes a producer to sell property insurance and casualty insurance, the lines defined in North Dakota Century Code section 26.1-26-11. To earn it, a resident passes the Property exam and the Casualty exam through PSI, the state's exam vendor, completes fingerprinting, and applies through the National Insurance Producer Registry (NIPR) with a $100 license fee. North Dakota requires no prelicensing education for these exams.

A property and casualty (P&C) license is an Ohio insurance license that authorizes an agent to sell property insurance, such as homeowners and commercial property, and casualty insurance, such as auto and general liability. Property and Casualty are separate lines of authority in Ohio, so each requires 20 hours of pre-licensing education and a $10 application fee. You may take a combined exam (Series 11-36, 150 questions, 2.5 hours) or separate exams (Series 11-46 and 11-47, 100 questions and 2 hours each).

A Property and Casualty (P&C) insurance license is a producer license that lets you sell, solicit, or negotiate insurance covering property damage and legal liability, including coverage for homes, autos, and businesses. In Oklahoma, Property and Casualty is a line of authority that requires passing the PSI licensing exam before you apply. The resident license fee is $60, and renewals run on a two-year cycle.

A property and casualty (P&C) license authorizes an agent to sell, solicit, and negotiate property and casualty insurance in Oregon. Oregon requires 20 hours of prelicense education for each line, and applicants can take the combined P&C exam (series 12-04, $55) or the separate Property (12-12) and Casualty (12-13) exams at $45 each. Surety is included in the casualty line, marine and transportation insurance may be included in either line, and casualty training qualifies a person to transact personal lines without separate training.

A property and casualty (P&C) license authorizes an insurance producer to sell property lines (fire and allied lines, inland marine, and motor vehicle physical damage) and casualty lines (casualty and allied lines, bonds, liability other than motor vehicle, and workers' compensation). Pennsylvania treats it as a separate license from life and accident and health. To earn it, a candidate passes the Property and Casualty exam (16-06) or the separate property and casualty single-line exams.

A property and casualty (P&C) insurance license is a state producer license that authorizes selling property and casualty insurance, covering personal policies such as auto and homeowners plus commercial coverage including liability, workers compensation, and surplus lines. Rhode Island requires first-time P&C candidates to pass both the Property Producer exam (76 scoreable questions) and the Casualty Producer exam (82 scoreable questions) at $80 each, then apply through the National Insurance Producer Registry (NIPR) and pay the $120 resident license fee.

A property and casualty (P&C) insurance license authorizes a producer to sell, solicit, or negotiate property and casualty insurance. In South Carolina, Section 38-43-75 of the S.C. Code lists property and casualty as separate lines of authority, along with personal lines property and casualty. No person may sell insurance in a line without holding the license for that line. A property and casualty producer must also be appointed by an insurer to sell travel insurance.

A property and casualty (P&C) license is a producer line of authority in South Dakota covering two kinds of coverage. Property covers direct or consequential loss or damage to property of every kind, and casualty covers legal liability for death, injury, or disability, damage to real or personal property, and fidelity and surety bonds. Licensees holding only property/casualty lines must complete 10 continuing education hours each two-year period.

A property and casualty (P&C) insurance license authorizes a producer to sell property insurance and casualty insurance. In Tennessee, the property classification includes industrial fire coverage, and the casualty classification includes surety. You can take the Property and Casualty exams as separate single-line exams at $55 each or as a combination exam for $80. Resident producers who sell property insurance must also complete a one-time 3-hour flood training course.

A property and casualty (P&C) license authorizes an agent to sell insurance covering property damage and liability, such as home, auto, and commercial coverage. Texas offers two versions: the General Lines P&C license, which covers both commercial and personal business, and the Personal Lines P&C license, which covers personal business only. The General Lines exam has 130 scoreable questions and the Personal Lines exam has 100.

A property and casualty (P&C) insurance license authorizes an agent to sell property, casualty, and personal lines insurance. Most states, including Utah, require a license separate from the life and accident and health license. In Utah, you earn it by passing Prometric's combined P&C exam (series 17-04, 150 questions, 2.5 hours) or the separate Property (17-22) and Casualty (17-23) exams, each with 100 questions in 2 hours.

A Property and Casualty (P&C) license is an insurance Producer license with the Property and Casualty lines of authority, which authorizes a person to sell, solicit, or negotiate those coverages under Vermont law (8 V.S.A. 4791). Vermont's combined P&C exam (Prometric Series 14-31) has 150 scored questions with a 2.5-hour time limit and covers homeowners, auto, commercial, and workers' compensation topics. The exam costs $67.60, and the license application takes a $30 application fee plus a $30 license fee.

A property and casualty (P&C) license is the Virginia agent license that authorizes selling property and casualty insurance, such as auto, homeowners, and commercial coverage. Virginia law lists it among the agent licenses the Commission issues, and holding it lets you sell several classes of insurance. The license includes personal lines authority, so you do not need a separate personal lines license. Residents qualify by passing the Prometric Series 11-03 exam and applying to the Bureau of Insurance.

A property and casualty (P&C) insurance license is a producer license with the property and casualty lines of authority, letting you sell insurance covering homes, vehicles, businesses, and other property and liability risks. In Washington it is one of the full lines, alongside life, disability, and personal lines. To earn it, pass the PSI exams (70% to pass, $38 per line or $55 for the combined exam) and then apply for your $55 producer license.

In West Virginia, a property and casualty (P&C) license is a producer license covering the Property and Casualty lines of authority. You earn it by completing 20 hours of pre-licensing education per line, passing the Pearson VUE exam, being fingerprinted, and paying the $50 application fee. The lines may be tested as separate exams (90 questions, 120 minutes each) or one combined exam (150 questions, 210 minutes), each costing $84 with a passing score of 70. A P&C license held for three consecutive years is also the prerequisite for a Surplus Lines license.

A property and casualty (P&C) license is an insurance producer credential that covers both the property line and the casualty line of authority, allowing an agent to sell products such as auto, homeowners, and other property and liability coverage. In Wisconsin, an agent must hold both the property and casualty lines to sell auto or homeowners insurance. Residents complete 20 hours of prelicensing education per line, pass the PSI exam for each line, and pay a $75 initial license fee per line plus a $10 application fee.

A property and casualty (P&C) insurance license is a producer license with the Property and Casualty lines of authority, the credential agents need to sell policies such as homeowners, auto, business liability, and workers' compensation. In Wyoming, a resident earns it by passing the Wyoming Insurance Licensing Exam for those lines through Pearson VUE, applying through Sircon, and submitting fingerprints.