Property & Casualty Insurance License

Property & Casualty (PC) License: What You Need to Know

What Is Property and Casualty Insurance?

Property and Casualty insurance is the umbrella name for a variety of policies that cover an individual’s or business’ assets (“property”) and/or protect them from liability/lawsuits (“casualty”).

A Property & Casualty license enables you to sell auto, home, and business insurance policies to individuals and businesses. You may choose to work as an independent agent or opt to work with an established insurance agency.

Even those who discuss and manage auto, home, and business insurance policies, such as customer service representatives (CSRs), are often required to maintain a P&C license. In some states, surety bail agents are also required to either obtain a Property & Casualty license (e.g. Virginia) or just a Casualty license (e.g. Georgia).

What Kinds of Policies Can Property and Casualty Insurance Agents Sell?

This kind of insurance encompasses various subtypes. These include the following:

Car insurance (Personal Auto insurance or Commercial Auto insurance)
Homeowners insurance
Commercial Property insurance
Commercial General Liability (CGL) insurance
Workers’ Compensation insurance
Professional Liability insurance (E&O, D&O)
Inland Marine insurance
Renters insurance
Condo insurance
Power Sports insurance (e.g., for boats & motorcycles)
Landlord insurance

Requirements for a Property and Casualty Insurance License

To get your P&C license, you must pass your state’s Property and Casualty exam. The licensing exams are timed and usually consist of a series of multiple-choice questions testing your insurance knowledge.

Most people take a Property and Casualty insurance license class to prepare for the exam, and some states require it. Well-designed exam prep courses—like those offered by America’s Professor—will teach you everything you need to know to pass the exam on your first try.

Here are the basic steps to becoming a licensed insurance agent:

Complete a Pre-Licensing Course: Roughly half of all states have pre-licensing requirements. Whether required or not, taking a pre-licensing course like those offered by America’s Professor is highly recommended to ensure you pass the exam the first time.
Pass Your State Exam: Take the test in person at the provider’s physical location. The tests are time-restricted, and the number of multiple-choice questions varies by state. The passing grade varies by state, but is usually between 70% and 80%.
Get Fingerprinted: Most states require licensed agents to be fingerprinted and to undergo a background check. There is usually an on-site fingerprinting technician where you take your exam.
Get Your License: After you pass your insurance exam, you will need to apply for your license through the state’s licensing provider. This process sometimes takes a few weeks depending on how busy they are.
Fulfill Continuing Education Requirements: All states require licensed insurance agents to undergo periodic continuing education (CE) to refresh their insurance knowledge and learn about new laws impacting the insurance industry. CE requirements vary by state.

Get Prepared for the P&C License Exam

America’s Professor offers both national and state insurance exam prep courses to help you get your P&C license. Our comprehensive Property and Casualty insurance license classes are designed to help you pass your exam the first time and include:

Detailed video lectures, accessible 24/7
A free textbook to reinforce your learning
Standard 45-day subscription with extra time if needed at no charge
Sample questions and practice quizzes simulating questions on the actual exam

The key to our success is making learning fun and memorable. Our founder, Jack Morton, uses real-world examples and scenarios to help you make sense of complex insurance concepts and terms.

America’s Professor also offers helpful state-specific tools and resources to help you every step of the way. Enroll in an exam prep course today, and don’t hesitate to call us with questions.


PRE-LICENSE COURSES	SAMPLE QUESTIONS