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Connecticut Casualty Insurance — Requirements & Free Practice

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Insurance Producer (Individual) — Casualty

Individual producer license with the casualty line of authority; resident and nonresident pathways.

Licensing authority: Connecticut Insurance Department · Application information

Conversion of an existing Connecticut producer license upon residence change
No examination is required for this applicant pathway.
Conversion
No new licensing fee or application under § 38a-702g(c); submit the Department's residency form or clearance process. If moving out with a clearance request, email the Department after the new resident license is approved to convert the Connecticut license without losing authority.
Existing license
Already hold a Connecticut producer license; file the residence change and certification from the new resident jurisdiction within 30 days.

Official no-examination sources

Effective from 2026-09-22.

Resident licensure after untimely relocation application

At least one of the following alternatives:

Age
At least 18 years old.
Application
Apply online through NIPR, pay the required application/license fee, answer background questions and upload requested supporting documents; no producer fingerprint requirement.
Exam results
Pass the required examination before applying; allow 1–2 business days for electronic results to upload.
Examination selection
Casualty Producer is the single-line examination. Property and Casualty Producer is the examination for applicants seeking both property and casualty authority; complete 40 hours of prelicensing for that selection rather than 20 hours for casualty alone, unless exempt. These are alternative examinations, not separate general and state tests.
Fitness
Truthful application; no grounds for denial under §§ 38a-702k and 38a-702s; financially responsible and of good moral character.
Prelicensing
Complete at least 20 hours of approved casualty prelicensing or equivalent experience/training accepted by the commissioner; 40 hours for the combined property/casualty application.
Relocation
The relocation exemption's 90-day period has elapsed; complete Connecticut prelicensing and examination requirements.
Resident licensure after relocation
No examination is required for this applicant pathway.
Department instructions
The residency-change page says: ‘You held an active Producer license in your former state within 90 days of moving out’ and ‘You apply for a Connecticut resident license within 90 days of leaving your former state’. § 38a-702h(b) specifies the deadline from establishing legal residence.
Prior license
Previously licensed for casualty; apply within 90 days after establishing Connecticut legal residence.
Regulatory exception
Section 38a-702h(b) permits the commissioner to determine otherwise by regulation; the Department's current residency-change instructions implement the education and exam exemption for timely transfers.

Official no-examination sources

Effective from 2026-09-22.

Add casualty authority to an existing nonresident producer license
No examination is required for this applicant pathway.
Application
Apply through NIPR to amend the license; renew first if within the renewal period.
Existing license
Hold an existing Connecticut nonresident producer license and casualty authority on the home-state license.

Official no-examination sources

Effective from 2026-09-22.

Nonresident initial licensure by reciprocity
No examination is required for this applicant pathway.
Application
Submit the prior home-state application or uniform application and fees through NIPR. Home-state licensure is an applicant condition, not an exam leaf.
Home license
Hold a current resident producer license in good standing for casualty; the home jurisdiction grants reciprocal nonresident licenses on the same basis.

Official no-examination sources

Effective from 2026-09-22.

Nonresident reinstatement after twelve months
No examination is required for this applicant pathway.
Application
Apply through NIPR; no Connecticut CE or examination is required on the reciprocal home-license basis.
Expiration
More than one year after expiration; submit a new application.
Home license
Hold an active resident casualty producer license in the home jurisdiction.

Official no-examination sources

Effective from 2026-09-22.

Nonresident reinstatement within twelve months
No examination is required for this applicant pathway.
Application
Apply through NIPR; no Connecticut CE or examination is required on the reciprocal home-license basis.
Expiration
No more than one year after expiration; pay the applicable late renewal fee.
Home license
Hold an active resident casualty producer license in the home jurisdiction.

Official no-examination sources

Effective from 2026-09-22.

Nonresident license renewal
No examination is required for this applicant pathway.
Application
Renew through NIPR and pay $160 every two years by the birth-month expiration date.
Continuing education
Home-state continuing education satisfies Connecticut CE on the statutory reciprocity terms; no Connecticut CE is required under the Department's instructions.
Home license
Maintain an active home-state resident producer license with casualty authority.

Official no-examination sources

Effective from 2026-09-22.

Resident licensure for an eligible border area worker with Connecticut principal business

At least one of the following alternatives:

Age
At least 18 years old.
Application
Apply online through NIPR, pay the required application/license fee, answer background questions and upload requested supporting documents; no producer fingerprint requirement.
Eligibility
The Connecticut Department permits a resident license for residents of New York, Massachusetts or Rhode Island who work in Connecticut. The home/resident-license-state definition requires principal business or residence and licensure; only one resident license state is permitted.
Exam results
Pass the required examination before applying; allow 1–2 business days for electronic results to upload.
Examination selection
Casualty Producer is the single-line examination. Property and Casualty Producer is the examination for applicants seeking both property and casualty authority; complete 40 hours of prelicensing for that selection rather than 20 hours for casualty alone, unless exempt. These are alternative examinations, not separate general and state tests.
Fitness
Truthful application; no grounds for denial under §§ 38a-702k and 38a-702s; financially responsible and of good moral character.
Prelicensing
Complete at least 20 hours of approved casualty prelicensing or equivalent experience/training accepted by the commissioner; 40 hours for the combined property/casualty application.
Resident licensure on prior same line licensure
No examination is required for this applicant pathway.
Application
Apply through NIPR; no prelicensing education or examination under § 38a-702h(a).
Prior license
Previously licensed for casualty in another jurisdiction; apply within 90 days after cancellation and supply certification or NAIC licensing records of good standing at cancellation.

Official no-examination sources

Effective from 2026-09-22.

Resident renewal while barred from insurance sales as a public official
No examination is required for this applicant pathway.
Continuing education
The commissioner shall suspend CE requirements during service as a statewide elected officer, legislator/member-elect or member of Congress if the official is prohibited from selling insurance. Submit the renewal application and fee; this suspension is a CE condition, not an examination.
Flood training
The Department's April 15, 2026 notice requires resident Property/Casualty or Personal Lines producers to complete one approved three-credit NFIP flood course before the next renewal; the credits count toward general CE.
Payment
Pay the $160 renewal fee; contact information must remain current.
Renewal
Renew every two years through NIPR by the last day of the birth month; the first cycle may be shorter. Renewal notices are emailed about 90 days beforehand.

Official no-examination sources

Effective from 2026-09-22.

Renewal or reinstatement with military service or extenuating circumstance waiver

At least one of the following alternatives:

Age
At least 18 years old.
Application
Apply online through NIPR, pay the required application/license fee, answer background questions and upload requested supporting documents; no producer fingerprint requirement.
Exam results
Pass the required examination before applying; allow 1–2 business days for electronic results to upload.
Examination selection
Casualty Producer is the single-line examination. Property and Casualty Producer is the examination for applicants seeking both property and casualty authority; complete 40 hours of prelicensing for that selection rather than 20 hours for casualty alone, unless exempt. These are alternative examinations, not separate general and state tests.
Fitness
Truthful application; no grounds for denial under §§ 38a-702k and 38a-702s; financially responsible and of good moral character.
Prelicensing
Complete at least 20 hours of approved casualty prelicensing or equivalent experience/training accepted by the commissioner; 40 hours for the combined property/casualty application.
Waiver
A licensed producer unable to comply due to military service or an extenuating circumstance such as long-term medical disability may request waiver of renewal procedures, any examination requirement, fines or sanctions. Contact the Department. The examination leaf represents the currently offered examination if required; an approved individual waiver excuses sitting it.
Add casualty authority to an existing resident producer license

At least one of the following alternatives:

Age
At least 18 years old.
Application
Apply online through NIPR, pay the required application/license fee, answer background questions and upload requested supporting documents; no producer fingerprint requirement.
Exam results
Pass the required examination before applying; allow 1–2 business days for electronic results to upload.
Examination selection
Casualty Producer is the single-line examination. Property and Casualty Producer is the examination for applicants seeking both property and casualty authority; complete 40 hours of prelicensing for that selection rather than 20 hours for casualty alone, unless exempt. These are alternative examinations, not separate general and state tests.
Existing license
Hold an existing resident producer license; complete casualty prelicensing and exam before submitting an amendment. Renew first if within the renewal period.
Fitness
Truthful application; no grounds for denial under §§ 38a-702k and 38a-702s; financially responsible and of good moral character.
Prelicensing
Complete at least 20 hours of approved casualty prelicensing or equivalent experience/training accepted by the commissioner; 40 hours for the combined property/casualty application.
Resident licensure with CPCU examination exemption
No examination is required for this applicant pathway.
Application
Apply via NIPR and email a society letter dated within 90 days to cid.licensing@ct.gov, Attn: Producer Examination Exemption, giving full name and NIPR transaction number.
Designation
Hold the Chartered Property and Casualty Underwriter designation; the Department implements the examination waiver authorized by § 38a-702h(c).

Official no-examination sources

Effective from 2026-09-22.

Resident initial licensure by examination

At least one of the following alternatives:

Age
At least 18 years old.
Application
Apply online through NIPR, pay the required application/license fee, answer background questions and upload requested supporting documents; no producer fingerprint requirement.
Exam results
Pass the required examination before applying; allow 1–2 business days for electronic results to upload.
Examination selection
Casualty Producer is the single-line examination. Property and Casualty Producer is the examination for applicants seeking both property and casualty authority; complete 40 hours of prelicensing for that selection rather than 20 hours for casualty alone, unless exempt. These are alternative examinations, not separate general and state tests.
Fitness
Truthful application; no grounds for denial under §§ 38a-702k and 38a-702s; financially responsible and of good moral character.
Prelicensing
Complete at least 20 hours of approved casualty prelicensing or equivalent experience/training accepted by the commissioner; 40 hours for the combined property/casualty application.
Resident initial licensure with prelicensing waiver

At least one of the following alternatives:

Age
At least 18 years old.
Application
Apply online through NIPR, pay the required application/license fee, answer background questions and upload requested supporting documents; no producer fingerprint requirement.
Exam results
Pass the required examination before applying; allow 1–2 business days for electronic results to upload.
Examination selection
Casualty Producer is the single-line examination. Property and Casualty Producer is the examination for applicants seeking both property and casualty authority; complete 40 hours of prelicensing for that selection rather than 20 hours for casualty alone, unless exempt. These are alternative examinations, not separate general and state tests.
Fitness
Truthful application; no grounds for denial under §§ 38a-702k and 38a-702s; financially responsible and of good moral character.
Prelicensing
AAI, ARM, CIC or CPCU designation may waive prelicensing. Submit a society letter dated within 90 days to cid.licensing@ct.gov with name, address, SSN, date of birth and requested lines. Present the waiver letter at the exam center.
Resident reinstatement after more than one year

At least one of the following alternatives:

Age
At least 18 years old.
Application
Apply online through NIPR, pay the required application/license fee, answer background questions and upload requested supporting documents; no producer fingerprint requirement.
Exam results
Pass the required examination before applying; allow 1–2 business days for electronic results to upload.
Examination selection
Casualty Producer is the single-line examination. Property and Casualty Producer is the examination for applicants seeking both property and casualty authority; complete 40 hours of prelicensing for that selection rather than 20 hours for casualty alone, unless exempt. These are alternative examinations, not separate general and state tests.
Expiration
License expired more than one year ago; complete the full prelicensing course and licensing examination before a new NIPR application.
Fitness
Truthful application; no grounds for denial under §§ 38a-702k and 38a-702s; financially responsible and of good moral character.
Prelicensing
Complete at least 20 hours of approved casualty prelicensing or equivalent experience/training accepted by the commissioner; 40 hours for the combined property/casualty application.
Resident late renewal or reinstatement within twelve months
No examination is required for this applicant pathway.
Application
Apply through NIPR and pay $320 total, comprising $160 renewal and $160 late fee; no written examination is required.
Continuing education
Complete deficient CE for the previous biennium and 24 credits during the current biennium under RCSA § 38a-782a-13(a).
Expiration
Apply no later than 12 months after the renewal-fee due date.

Official no-examination sources

Effective from 2026-09-22.

Resident license renewal
No examination is required for this applicant pathway.
Continuing education
Complete 24 credits, including 3 laws/regulations/ethics and 21 general credits; transcript must show compliant. Prior-home-state transfers are exempt in the initial biennium under RCSA § 38a-782a-13(b). Approved self-study course examinations are course-completion conditions, not identified licensure exams.
Flood training
The Department's April 15, 2026 notice requires resident Property/Casualty or Personal Lines producers to complete one approved three-credit NFIP flood course before the next renewal; the credits count toward general CE.
Payment
Pay the $160 renewal fee; contact information must remain current.
Renewal
Renew every two years through NIPR by the last day of the birth month; the first cycle may be shorter. Renewal notices are emailed about 90 days beforehand.

Official no-examination sources

Effective from 2026-09-22.

Connecticut Casualty Producer Examination

Provider
Pearson VUE
Format
Computer-delivered multiple-choice examination, scored as a whole
Exam questions
50 scored and 5 pretest general-knowledge questions; 25 scoreable Connecticut-specific questions
Time limit
2 hours
Passing score
70%
Exam fee
$65
Examination outline
  • General knowledge: I. CASUALTY: TYPES OF POLICIES, BONDS, AND RELATED TERMS (23 scored questions)
    • A. Commercial general liability
    • A. Commercial general liability / 1. Exposures
    • A. Commercial general liability / 1. Exposures / a. Premises and Operations
    • A. Commercial general liability / 1. Exposures / b. Products and Completed Operations
    • A. Commercial general liability / 2. Coverage
    • A. Commercial general liability / 2. Coverage / a. Coverage A: Bodily Injury and Property Damage Liability (Occurrence, Claims made including Retroactive Date)
    • A. Commercial general liability / 2. Coverage / b. Coverage B: Personal Injury and Advertising Injury
    • A. Commercial general liability / 2. Coverage / c. Coverage C: Medical Payments
    • A. Commercial general liability / 2. Coverage / d. Supplemental Payments
    • A. Commercial general liability / 2. Coverage / e. Who is an insured
    • A. Commercial general liability / 2. Coverage / f. First named insured
    • A. Commercial general liability / 2. Coverage / g. Limits (Per occurrence, Annual Aggregate)
    • A. Commercial general liability / 2. Coverage / h. Damage to Property of Others
    • B. Automobile: personal auto and business auto
    • B. Automobile: personal auto and business auto / 1. Liability
    • B. Automobile: personal auto and business auto / 1. Liability / a. Bodily Injury
    • B. Automobile: personal auto and business auto / 1. Liability / b. Property Damage
    • B. Automobile: personal auto and business auto / 1. Liability / c. Split Limits
    • B. Automobile: personal auto and business auto / 1. Liability / d. Combined Single Limit
    • B. Automobile: personal auto and business auto / 2. Medical Payments
    • B. Automobile: personal auto and business auto / 3. Physical Damage (collision; other than collision; specified perils)
    • B. Automobile: personal auto and business auto / 4. Uninsured motorists
    • B. Automobile: personal auto and business auto / 5. Underinsured motorists
    • B. Automobile: personal auto and business auto / 6. Who is an insured
    • B. Automobile: personal auto and business auto / 7. Types of Auto
    • B. Automobile: personal auto and business auto / 7. Types of Auto / a. Owned
    • B. Automobile: personal auto and business auto / 7. Types of Auto / b. Non-owned
    • B. Automobile: personal auto and business auto / 7. Types of Auto / c. Hired
    • B. Automobile: personal auto and business auto / 7. Types of Auto / d. Temporary Substitute
    • B. Automobile: personal auto and business auto / 7. Types of Auto / e. Newly Acquired Autos
    • B. Automobile: personal auto and business auto / 7. Types of Auto / f. Transportation Expense and Rental Reimbursement Expense
    • B. Automobile: personal auto and business auto / 8. Auto Dealers Coverage Form, including Garagekeepers Insurance
    • B. Automobile: personal auto and business auto / 9. Exclusions
    • B. Automobile: personal auto and business auto / 10. Individual Named Insured and Drive Other Car (DOC)
    • B. Automobile: personal auto and business auto / 11. Mobile equipment
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues / 1. Standard policy concepts
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues / 1. Standard policy concepts / a. Who is an employee/employer
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues / 1. Standard policy concepts / b. Compensation
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues / 2. Work-related vs. non-work-related
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues / 3. Other states’ insurance
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues / 4. Employers Liability
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues / 5. Exclusive remedy
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues / 6. Premium Determination
    • D. Crime
    • D. Crime / 1. Employee Dishonesty
    • D. Crime / 2. Theft
    • D. Crime / 3. Robbery
    • D. Crime / 4. Burglary
    • D. Crime / 5. Forgery and Alteration
    • D. Crime / 6. Mysterious disappearance
    • E. Bonds
    • E. Bonds / 1. Surety
    • E. Bonds / 2. Fidelity
    • F. Professional liability
    • F. Professional liability / 1. Errors and Omissions
    • F. Professional liability / 2. Medical Malpractice
    • F. Professional liability / 3. Directors and Officers (D&O)
    • F. Professional liability / 4. Employment Practices Liability (EPLI)
    • F. Professional liability / 5. Cyber liability and data breach, funds transfer
    • F. Professional liability / 6. Liquor liability
    • G. Umbrella/Excess Liability
    • H. Business Owners Policy (BOP)
  • General knowledge: II. CASUALTY: INSURANCE TERMS AND RELATED CONCEPTS (15 scored questions)
    • A. Risk
    • B. Hazards
    • B. Hazards / 1. Moral
    • B. Hazards / 2. Morale
    • B. Hazards / 3. Physical
    • C. Indemnity
    • D. Insurable interest
    • E. Loss valuation
    • E. Loss valuation / 1. Actual cash value
    • E. Loss valuation / 2. Replacement cost
    • E. Loss valuation / 3. Market value
    • E. Loss valuation / 4. Stated/agreed value
    • E. Loss valuation / 5. Salvage value
    • F. Negligence
    • G. Liability
    • H. Occurrence
    • I. Binders
    • J. Warranties
    • K. Representations
    • L. Concealment
    • M. Deposit Premium/Audit
    • N. Certificate of Insurance
    • O. Law of Large Numbers
    • P. Pure vs. Speculative Risk
    • Q. Endorsements
    • R. Damages
    • R. Damages / 1. Compensatory
    • R. Damages / 1. Compensatory / a. General
    • R. Damages / 1. Compensatory / b. Special
    • R. Damages / 2. Punitive
    • S. Compliance with provisions of Fair Credit Reporting Act
  • General knowledge: III. CASUALTY: POLICY PROVISIONS (12 scored questions)
    • A. Declarations
    • B. Insuring agreement
    • C. Conditions
    • D. Exclusions and Limitations
    • E. Definition of the insured
    • F. Duties of the insured after a loss
    • G. Cancellation and nonrenewal provisions
    • H. Supplementary payments
    • I. Proof of loss
    • J. Notice of claim
    • K. Arbitration
    • L. Other insurance
    • M. Subrogation
    • N. Loss settlement provisions including consent to settle a loss
    • O. Terrorism Risk Insurance Act (TRIA)
  • Connecticut specific: I. CT STATUTES, RULES, AND REGULATIONS COMMON TO LIFE, ACCIDENT AND HEALTH, PROPERTY, AND CASUALTY INSURANCE (18 scored questions)
    • A. Responsibilities of the Insurance Commissioner
    • A. Responsibilities of the Insurance Commissioner / 1. General duties and powers
    • A. Responsibilities of the Insurance Commissioner / 2. Examination of records
    • A. Responsibilities of the Insurance Commissioner / 3. Hearings/notice of hearings
    • A. Responsibilities of the Insurance Commissioner / 4. Penalties and fines
    • A. Responsibilities of the Insurance Commissioner / 5. Cease and desist orders
    • B. Definitions
    • B. Definitions / 1. Insurance transaction
    • B. Definitions / 2. Insurer
    • B. Definitions / 3. Reinsurance
    • B. Definitions / 4. Domestic, foreign, and alien companies
    • B. Definitions / 5. Authorized and unauthorized companies / admitted and nonadmitted companies
    • B. Definitions / 6. Stock and mutual companies, and reciprocals
    • B. Definitions / 7. Risk retention group
    • B. Definitions / 8. Certificate of authority
    • C. Licensing
    • C. Licensing / 1. Purpose
    • C. Licensing / 2. Licensing Requirements
    • C. Licensing / 2. Licensing Requirements / a. Producer
    • C. Licensing / 2. Licensing Requirements / b. Agent
    • C. Licensing / 2. Licensing Requirements / c. Broker
    • C. Licensing / 2. Licensing Requirements / d. Resident/Nonresident
    • C. Licensing / 2. Licensing Requirements / e. Temporary license
    • C. Licensing / 3. Agent appointment/termination of contract
    • C. Licensing / 4. Obtaining a license
    • C. Licensing / 4. Obtaining a license / a. Qualifications
    • C. Licensing / 4. Obtaining a license / b. Licenses fees and application
    • C. Licensing / 4. Obtaining a license / c. Written examinations
    • C. Licensing / 4. Obtaining a license / d. Exemptions/exceptions
    • C. Licensing / 4. Obtaining a license / e. License denial
    • C. Licensing / 5. Maintaining a license
    • C. Licensing / 5. Maintaining a license / a. Continuing education
    • C. Licensing / 5. Maintaining a license / b. Change of address/name change
    • C. Licensing / 5. Maintaining a license / c. Fees/renewal
    • C. Licensing / 5. Maintaining a license / d. License expiration
    • C. Licensing / 5. Maintaining a license / e. Suspension or revocation of licenses
    • D. Agent responsibilities
    • D. Agent responsibilities / 1. Fiduciary capacity
    • D. Agent responsibilities / 1. Fiduciary capacity / a. Premium accountability
    • D. Agent responsibilities / 2. Disclosure
    • D. Agent responsibilities / 3. Commissions and compensation/ charges for extra services
    • E. Filing and approval of policy forms
    • F. Connecticut Insurance Guaranty Association Act
    • F. Connecticut Insurance Guaranty Association Act / 1. Brokered Transactions Guaranty Fund
    • G. Marketing practices
    • G. Marketing practices / 1. Responsibilities of the insurer
    • G. Marketing practices / 2. Unfair claims practices
    • G. Marketing practices / 3. Unfair trade practices
    • G. Marketing practices / 3. Unfair trade practices / a. Rebating
    • G. Marketing practices / 3. Unfair trade practices / b. Misrepresentation
    • G. Marketing practices / 3. Unfair trade practices / c. False advertising
    • G. Marketing practices / 3. Unfair trade practices / d. Defamation
    • G. Marketing practices / 3. Unfair trade practices / e. False financial statements
    • G. Marketing practices / 3. Unfair trade practices / f. Controlled business
    • G. Marketing practices / 3. Unfair trade practices / g. Boycott, coercion, intimidation
    • G. Marketing practices / 3. Unfair trade practices / h. Unfair discrimination
    • G. Marketing practices / 3. Unfair trade practices / i. Coercion of borrower
    • G. Marketing practices / 3. Unfair trade practices / j. Illegal inducement
    • G. Marketing practices / 3. Unfair trade practices / k. Misrepresentation on applications
    • G. Marketing practices / 3. Unfair trade practices / l. Twisting
    • G. Marketing practices / 4. Return of premium
    • H. Connecticut Insurance Information and Privacy Protection Act
  • Connecticut specific: II. STATE STATUTES, RULES AND REGULATIONS COMMON TO PROPERTY AND CASUALTY INSURANCE ONLY (3 scored questions)
    • A. Premium Financing
    • B. Insurance Contracts
    • B. Insurance Contracts / 1. Renewal, Nonrenewal, Cancellation: Commercial, Homeowners, Personal Auto and Casualty Policies
    • B. Insurance Contracts / 1. Renewal, Nonrenewal, Cancellation: Commercial, Homeowners, Personal Auto and Casualty Policies / a. Illegal declination, nonrenewal, and cancellation
    • B. Insurance Contracts / 2. Binders
    • C. Surplus Lines
  • Connecticut specific: III. STATE STATUTES, RULES, AND REGULATIONS PERTINENT TO CASUALTY INSURANCE ONLY (4 scored questions)
    • A. Auto Insurance
    • A. Auto Insurance / 1. Required coverages
    • A. Auto Insurance / 2. Limits
    • A. Auto Insurance / 3. Rates/rating information
    • A. Auto Insurance / 4. Uninsured/underinsured Motorist law
    • A. Auto Insurance / 4. Uninsured/underinsured Motorist law / a. Option for additional coverage
    • A. Auto Insurance / 4. Uninsured/underinsured Motorist law / b. Insurer insolvency
    • A. Auto Insurance / 5. Connecticut Motor Vehicle Financial Responsibility law
    • A. Auto Insurance / 5. Connecticut Motor Vehicle Financial Responsibility law / a. Proof of financial responsibility defined
    • A. Auto Insurance / 5. Connecticut Motor Vehicle Financial Responsibility law / b. Persons required to show proof
    • A. Auto Insurance / 5. Connecticut Motor Vehicle Financial Responsibility law / c. Penalty for noncompliance
    • A. Auto Insurance / 5. Connecticut Motor Vehicle Financial Responsibility law / d. Methods of satisfying financial responsibility
    • B. Connecticut Auto Insurance Assigned Risk Plan
    • B. Connecticut Auto Insurance Assigned Risk Plan / 1. Purpose
    • B. Connecticut Auto Insurance Assigned Risk Plan / 2. Definitions
    • B. Connecticut Auto Insurance Assigned Risk Plan / 3. Eligibility
    • B. Connecticut Auto Insurance Assigned Risk Plan / 4. Insured’s participation
    • B. Connecticut Auto Insurance Assigned Risk Plan / 5. Insurer’s participation
    • B. Connecticut Auto Insurance Assigned Risk Plan / 6. Coverage and options
    • B. Connecticut Auto Insurance Assigned Risk Plan / 7. Collection of placement fee
    • C. Connecticut Worker’s Compensation Law
    • C. Connecticut Worker’s Compensation Law / 1. Definitions
    • C. Connecticut Worker’s Compensation Law / 1. Definitions / a. Employer
    • C. Connecticut Worker’s Compensation Law / 1. Definitions / b. Employee
    • C. Connecticut Worker’s Compensation Law / 2. Employments covered/excluded
    • C. Connecticut Worker’s Compensation Law / 3. Benefits provided
    • C. Connecticut Worker’s Compensation Law / 3. Benefits provided / a. Minimum duration of incapacity
    • C. Connecticut Worker’s Compensation Law / 3. Benefits provided / b. Medical Benefits required
    • C. Connecticut Worker’s Compensation Law / 3. Benefits provided / c. Compensation for total disability
    • C. Connecticut Worker’s Compensation Law / 3. Benefits provided / d. Compensation for partial disability
    • C. Connecticut Worker’s Compensation Law / 3. Benefits provided / e. Survivorship benefits
    • C. Connecticut Worker’s Compensation Law / 3. Benefits provided / f. Burial expenses
    • C. Connecticut Worker’s Compensation Law / 4. Second injury fund
    • C. Connecticut Worker’s Compensation Law / 5. Claims procedures
Examination sources

Property and Casualty Producer

Provider
Pearson VUE
Format
Computer-delivered multiple-choice examination, scored as a whole
Exam questions
100 scored and 10 pretest general-knowledge questions; 30 scoreable and 5 pretest Connecticut-specific questions
Time limit
2.5 hours
Passing score
70%
Exam fee
$105
Examination outline
  • General knowledge: I. PROPERTY: TYPES OF POLICIES (22 scored questions)
    • A. Homeowners
    • A. Homeowners / 1. HO-2
    • A. Homeowners / 2. HO-3
    • A. Homeowners / 3. HO-4
    • A. Homeowners / 4. HO-5
    • A. Homeowners / 5. HO-6
    • A. Homeowners / 6. HO-8
    • B. Dwelling policies
    • B. Dwelling policies / 1. DP-1
    • B. Dwelling policies / 2. DP-2
    • B. Dwelling policies / 3. DP-3
    • C. Commercial lines
    • C. Commercial lines / 1. Commercial Package Policy (CPP)
    • C. Commercial lines / 2. Commercial property
    • C. Commercial lines / 2. Commercial property / a. Commercial building and business personal property form
    • C. Commercial lines / 2. Commercial property / b. Causes of loss forms
    • C. Commercial lines / 2. Commercial property / c. Business income
    • C. Commercial lines / 2. Commercial property / d. Extra expense
    • C. Commercial lines / 2. Commercial property / e. Equipment breakdown
    • C. Commercial lines / 3. Business Owners Policy (BOP)
    • C. Commercial lines / 4. Builders Risk
    • C. Commercial lines / 5. Cyber First-Party Coverage
    • D. Inland marine
    • D. Inland marine / 1. Personal Articles floaters
    • D. Inland marine / 2. Commercial Property floaters
    • E. National Flood Insurance Program
    • F. Others
    • F. Others / 1. Earthquake
    • F. Others / 2. Mobile Homes
    • F. Others / 3. Watercraft
    • F. Others / 4. Farm Owners
    • F. Others / 5. Windstorm
  • General knowledge: II. PROPERTY: INSURANCE TERMS AND RELATED CONCEPTS (15 scored questions)
    • A. Insurance
    • A. Insurance / 1. Law of Large Numbers
    • B. Insurable interest
    • C. Risk
    • C. Risk / 1. Pure vs. Speculative Risk
    • D. Hazard
    • D. Hazard / 1. Moral
    • D. Hazard / 2. Morale
    • D. Hazard / 3. Physical
    • E. Peril
    • F. Loss
    • F. Loss / 1. Direct
    • F. Loss / 2. Indirect
    • G. Loss Valuation
    • G. Loss Valuation / 1. Actual cash value
    • G. Loss Valuation / 2. Replacement cost
    • G. Loss Valuation / 3. Market value
    • G. Loss Valuation / 4. Stated/agreed value
    • G. Loss Valuation / 5. Salvage value
    • H. Proximate cause
    • I. Deductible
    • J. Indemnity
    • K. Limits of liability
    • L. Coinsurance/Insurance to value
    • M. Occurrence
    • N. Cancellation
    • O. Nonrenewal
    • P. Vacancy and unoccupancy
    • Q. Liability
    • Q. Liability / 1. Absolute
    • Q. Liability / 2. Strict
    • Q. Liability / 3. Vicarious
    • R. Negligence
    • S. Binder
    • T. Endorsements
    • U. Blanket vs. Specific
  • General knowledge: III. PROPERTY: POLICY PROVISIONS AND CONTRACT LAW (13 scored questions)
    • A. Declarations
    • B. Insuring agreement
    • C. Conditions
    • D. Exclusions
    • E. Definition of the insured
    • F. Duties of the insured
    • G. Obligations of the insurance company
    • H. Mortgagee rights
    • I. Proof of loss
    • J. Notice of claim
    • K. Appraisal
    • L. Other Insurance Provision
    • M. Subrogation
    • N. Elements of a contract
    • O. Warranties, representations, and concealment
    • P. Sources of underwriting information
    • Q. Fair Credit Reporting Act
    • R. Privacy Protection (Gramm Leach Bliley)
    • S. Policy Application
    • T. Terrorism Risk Insurance Act (TRIA)
    • U. Territory
  • General knowledge: IV. CASUALTY: TYPES OF POLICIES, BONDS, AND RELATED TERMS (23 scored questions)
    • A. Commercial general liability
    • A. Commercial general liability / 1. Exposures
    • A. Commercial general liability / 1. Exposures / a. Premises and Operations
    • A. Commercial general liability / 1. Exposures / b. Products and Completed Operations
    • A. Commercial general liability / 2. Coverage
    • A. Commercial general liability / 2. Coverage / a. Coverage A: Bodily Injury and Property Damage Liability (Occurrence, Claims made including Retroactive Date)
    • A. Commercial general liability / 2. Coverage / b. Coverage B: Personal Injury and Advertising Injury
    • A. Commercial general liability / 2. Coverage / c. Coverage C: Medical Payments
    • A. Commercial general liability / 2. Coverage / d. Supplemental Payments
    • A. Commercial general liability / 2. Coverage / e. Who is an insured
    • A. Commercial general liability / 2. Coverage / f. First named insured
    • A. Commercial general liability / 2. Coverage / g. Limits (Per occurrence, Annual Aggregate)
    • A. Commercial general liability / 2. Coverage / h. Damage to Property of Others
    • B. Automobile: personal auto and business auto
    • B. Automobile: personal auto and business auto / 1. Liability
    • B. Automobile: personal auto and business auto / 1. Liability / a. Bodily Injury
    • B. Automobile: personal auto and business auto / 1. Liability / b. Property Damage
    • B. Automobile: personal auto and business auto / 1. Liability / c. Split Limits
    • B. Automobile: personal auto and business auto / 1. Liability / d. Combined Single Limit
    • B. Automobile: personal auto and business auto / 2. Medical Payments
    • B. Automobile: personal auto and business auto / 3. Physical Damage (collision; other than collision; specified perils)
    • B. Automobile: personal auto and business auto / 4. Uninsured motorists
    • B. Automobile: personal auto and business auto / 5. Underinsured motorists
    • B. Automobile: personal auto and business auto / 6. Who is an insured
    • B. Automobile: personal auto and business auto / 7. Types of Auto
    • B. Automobile: personal auto and business auto / 7. Types of Auto / a. Owned
    • B. Automobile: personal auto and business auto / 7. Types of Auto / b. Non-owned
    • B. Automobile: personal auto and business auto / 7. Types of Auto / c. Hired
    • B. Automobile: personal auto and business auto / 7. Types of Auto / d. Temporary Substitute
    • B. Automobile: personal auto and business auto / 7. Types of Auto / e. Newly Acquired Autos
    • B. Automobile: personal auto and business auto / 7. Types of Auto / f. Transportation Expense and Rental Reimbursement Expense
    • B. Automobile: personal auto and business auto / 8. Auto Dealers Coverage Form, including Garagekeepers Insurance
    • B. Automobile: personal auto and business auto / 9. Exclusions
    • B. Automobile: personal auto and business auto / 10. Individual Named Insured and Drive Other Car (DOC)
    • B. Automobile: personal auto and business auto / 11. Mobile equipment
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues / 1. Standard policy concepts
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues / 1. Standard policy concepts / a. Who is an employee/employer
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues / 1. Standard policy concepts / b. Compensation
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues / 2. Work-related vs. non-work-related
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues / 3. Other states’ insurance
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues / 4. Employers Liability
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues / 5. Exclusive remedy
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues / 6. Premium Determination
    • D. Crime
    • D. Crime / 1. Employee Dishonesty
    • D. Crime / 2. Theft
    • D. Crime / 3. Robbery
    • D. Crime / 4. Burglary
    • D. Crime / 5. Forgery and Alteration
    • D. Crime / 6. Mysterious disappearance
    • E. Bonds
    • E. Bonds / 1. Surety
    • E. Bonds / 2. Fidelity
    • F. Professional liability
    • F. Professional liability / 1. Errors and Omissions
    • F. Professional liability / 2. Medical Malpractice
    • F. Professional liability / 3. Directors and Officers (D&O)
    • F. Professional liability / 4. Employment Practices Liability (EPLI)
    • F. Professional liability / 5. Cyber liability and data breach, funds transfer
    • F. Professional liability / 6. Liquor liability
    • G. Umbrella/Excess Liability
    • H. Business Owners Policy (BOP)
  • General knowledge: V. CASUALTY: INSURANCE TERMS AND RELATED CONCEPTS (15 scored questions)
    • A. Risk
    • B. Hazards
    • B. Hazards / 1. Moral
    • B. Hazards / 2. Morale
    • B. Hazards / 3. Physical
    • C. Indemnity
    • D. Insurable interest
    • E. Loss valuation
    • E. Loss valuation / 1. Actual cash value
    • E. Loss valuation / 2. Replacement cost
    • E. Loss valuation / 3. Market value
    • E. Loss valuation / 4. Stated/agreed value
    • E. Loss valuation / 5. Salvage value
    • F. Negligence
    • G. Liability
    • H. Occurrence
    • I. Binders
    • J. Warranties
    • K. Representations
    • L. Concealment
    • M. Deposit Premium/Audit
    • N. Certificate of Insurance
    • O. Law of Large Numbers
    • P. Pure vs. Speculative Risk
    • Q. Endorsements
    • R. Damages
    • R. Damages / 1. Compensatory
    • R. Damages / 1. Compensatory / a. General
    • R. Damages / 1. Compensatory / b. Special
    • R. Damages / 2. Punitive
    • S. Compliance with provisions of Fair Credit Reporting Act
  • General knowledge: VI. CASUALTY: POLICY PROVISIONS (12 scored questions)
    • A. Declarations
    • B. Insuring agreement
    • C. Conditions
    • D. Exclusions and Limitations
    • E. Definition of the insured
    • F. Duties of the insured after a loss
    • G. Cancellation and nonrenewal provisions
    • H. Supplementary payments
    • I. Proof of loss
    • J. Notice of claim
    • K. Other insurance
    • L. Subrogation
    • M. Loss settlement provisions including consent to settle a loss
    • N. Terrorism Risk Insurance Act (TRIA)
  • Connecticut specific: I. CT STATUTES, RULES, AND REGULATIONS COMMON TO LIFE, ACCIDENT AND HEALTH, PROPERTY, AND CASUALTY INSURANCE (18 scored questions)
    • A. Responsibilities of the Insurance Commissioner
    • A. Responsibilities of the Insurance Commissioner / 1. General duties and powers
    • A. Responsibilities of the Insurance Commissioner / 2. Examination of records
    • A. Responsibilities of the Insurance Commissioner / 3. Hearings/notice of hearings
    • A. Responsibilities of the Insurance Commissioner / 4. Penalties and fines
    • A. Responsibilities of the Insurance Commissioner / 5. Cease and desist orders
    • B. Definitions
    • B. Definitions / 1. Insurance transaction
    • B. Definitions / 2. Insurer
    • B. Definitions / 3. Reinsurance
    • B. Definitions / 4. Domestic, foreign, and alien companies
    • B. Definitions / 5. Authorized and unauthorized companies / admitted and nonadmitted companies
    • B. Definitions / 6. Stock and mutual companies, and reciprocals
    • B. Definitions / 7. Risk retention group
    • B. Definitions / 8. Certificate of authority
    • C. Licensing
    • C. Licensing / 1. Purpose
    • C. Licensing / 2. Licensing Requirements
    • C. Licensing / 2. Licensing Requirements / a. Producer
    • C. Licensing / 2. Licensing Requirements / b. Agent
    • C. Licensing / 2. Licensing Requirements / c. Broker
    • C. Licensing / 2. Licensing Requirements / d. Resident/Nonresident
    • C. Licensing / 2. Licensing Requirements / e. Temporary license
    • C. Licensing / 3. Agent appointment/termination of contract
    • C. Licensing / 4. Obtaining a license
    • C. Licensing / 4. Obtaining a license / a. Qualifications
    • C. Licensing / 4. Obtaining a license / b. Licenses fees and application
    • C. Licensing / 4. Obtaining a license / c. Written examinations
    • C. Licensing / 4. Obtaining a license / d. Exemptions/exceptions
    • C. Licensing / 4. Obtaining a license / e. License denial
    • C. Licensing / 5. Maintaining a license
    • C. Licensing / 5. Maintaining a license / a. Continuing education
    • C. Licensing / 5. Maintaining a license / b. Change of address/name change
    • C. Licensing / 5. Maintaining a license / c. Fees/renewal
    • C. Licensing / 5. Maintaining a license / d. License expiration
    • C. Licensing / 5. Maintaining a license / e. Suspension or revocation of licenses
    • D. Agent responsibilities
    • D. Agent responsibilities / 1. Fiduciary capacity
    • D. Agent responsibilities / 1. Fiduciary capacity / a. Premium accountability
    • D. Agent responsibilities / 2. Disclosure
    • D. Agent responsibilities / 3. Commissions and compensation/ charges for extra services
    • E. Filing and approval of policy forms
    • F. Connecticut Insurance Guaranty Association Act
    • F. Connecticut Insurance Guaranty Association Act / 1. Brokered Transactions Guaranty Fund
    • G. Marketing practices
    • G. Marketing practices / 1. Responsibilities of the insurer
    • G. Marketing practices / 2. Unfair claims practices
    • G. Marketing practices / 3. Unfair trade practices
    • G. Marketing practices / 3. Unfair trade practices / a. Rebating
    • G. Marketing practices / 3. Unfair trade practices / b. Misrepresentation
    • G. Marketing practices / 3. Unfair trade practices / c. False advertising
    • G. Marketing practices / 3. Unfair trade practices / d. Defamation
    • G. Marketing practices / 3. Unfair trade practices / e. False financial statements
    • G. Marketing practices / 3. Unfair trade practices / f. Controlled business
    • G. Marketing practices / 3. Unfair trade practices / g. Boycott, coercion, intimidation
    • G. Marketing practices / 3. Unfair trade practices / h. Unfair discrimination
    • G. Marketing practices / 3. Unfair trade practices / i. Coercion of borrower
    • G. Marketing practices / 3. Unfair trade practices / j. Illegal inducement
    • G. Marketing practices / 3. Unfair trade practices / k. Misrepresentation on applications
    • G. Marketing practices / 3. Unfair trade practices / l. Twisting
    • G. Marketing practices / 4. Return of premium
    • H. Connecticut Insurance Information and Privacy Protection Act
  • Connecticut specific: II. STATE STATUTES, RULES AND REGULATIONS COMMON TO PROPERTY AND CASUALTY INSURANCE ONLY (3 scored questions)
    • B. Premium Financing
    • B. Insurance Contracts
    • B. Insurance Contracts / 1. Renewal, Nonrenewal, Cancellation: Commercial, Homeowners, Personal Auto and Casualty Policies
    • B. Insurance Contracts / 1. Renewal, Nonrenewal, Cancellation: Commercial, Homeowners, Personal Auto and Casualty Policies / a. Illegal declination, nonrenewal, and cancellation
    • B. Insurance Contracts / 2. Binders
    • C. Surplus Lines
  • Connecticut specific: III. STATE STATUTES, RULES AND REGULATIONS PERTINENT TO PROPERTY INSURANCE ONLY (4 scored questions)
    • A. Connecticut Insurance Placement Facility/ FAIR Plan
    • A. Connecticut Insurance Placement Facility/ FAIR Plan / 1. Purpose
    • A. Connecticut Insurance Placement Facility/ FAIR Plan / 2. Definitions
    • A. Connecticut Insurance Placement Facility/ FAIR Plan / 3. Procedures
    • A. Connecticut Insurance Placement Facility/ FAIR Plan / 4. Eligibility
    • A. Connecticut Insurance Placement Facility/ FAIR Plan / 5. Coverages Available
    • A. Connecticut Insurance Placement Facility/ FAIR Plan / 6. Limits of Coverage
    • A. Connecticut Insurance Placement Facility/ FAIR Plan / 7. Effective Date of Coverage
    • A. Connecticut Insurance Placement Facility/ FAIR Plan / 8. Binding Authority of Agents or Borders
    • B. Standard Fire Policy
    • C. Flood Insurance
    • D. Inland marine
  • Connecticut specific: IV. STATE STATUTES, RULES, AND REGULATIONS PERTINENT TO CASUALTY INSURANCE ONLY (5 scored questions)
    • A. Auto Insurance
    • A. Auto Insurance / 1. Required coverages
    • A. Auto Insurance / 2. Limits
    • A. Auto Insurance / 3. Rates/rating information
    • A. Auto Insurance / 4. Uninsured/underinsured Motorist law
    • A. Auto Insurance / 4. Uninsured/underinsured Motorist law / a. Option for additional coverage
    • A. Auto Insurance / 4. Uninsured/underinsured Motorist law / b. Insurer insolvency
    • A. Auto Insurance / 5. Connecticut Motor Vehicle Financial Responsibility law
    • A. Auto Insurance / 5. Connecticut Motor Vehicle Financial Responsibility law / a. Proof of financial responsibility defined
    • A. Auto Insurance / 5. Connecticut Motor Vehicle Financial Responsibility law / b. Persons required to show proof
    • A. Auto Insurance / 5. Connecticut Motor Vehicle Financial Responsibility law / c. Penalty for noncompliance
    • A. Auto Insurance / 5. Connecticut Motor Vehicle Financial Responsibility law / d. Methods of satisfying financial responsibility
    • B. Connecticut Auto Insurance Assigned Risk Plan
    • B. Connecticut Auto Insurance Assigned Risk Plan / 1. Purpose
    • B. Connecticut Auto Insurance Assigned Risk Plan / 2. Definitions
    • B. Connecticut Auto Insurance Assigned Risk Plan / 3. Eligibility
    • B. Connecticut Auto Insurance Assigned Risk Plan / 4. Insured’s participation
    • B. Connecticut Auto Insurance Assigned Risk Plan / 5. Insurer’s participation
    • B. Connecticut Auto Insurance Assigned Risk Plan / 6. Coverage and options
    • B. Connecticut Auto Insurance Assigned Risk Plan / 7. Collection of placement fee
    • C. Connecticut Worker’s Compensation Law
    • C. Connecticut Worker’s Compensation Law / 1. Definitions
    • C. Connecticut Worker’s Compensation Law / 1. Definitions / a. Employer
    • C. Connecticut Worker’s Compensation Law / 1. Definitions / b. Employee
    • C. Connecticut Worker’s Compensation Law / 2. Employments covered/excluded
    • C. Connecticut Worker’s Compensation Law / 3. Benefits provided
    • C. Connecticut Worker’s Compensation Law / 3. Benefits provided / a. Minimum duration of incapacity
    • C. Connecticut Worker’s Compensation Law / 3. Benefits provided / b. Medical Benefits required
    • C. Connecticut Worker’s Compensation Law / 3. Benefits provided / c. Compensation for total disability
    • C. Connecticut Worker’s Compensation Law / 3. Benefits provided / d. Compensation for partial disability
    • C. Connecticut Worker’s Compensation Law / 3. Benefits provided / e. Survivorship benefits
    • C. Connecticut Worker’s Compensation Law / 3. Benefits provided / f. Burial expenses
    • C. Connecticut Worker’s Compensation Law / 4. Second injury fund
    • C. Connecticut Worker’s Compensation Law / 5. Claims procedures
Examination sources