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Montana Casualty Insurance — Requirements & Free Practice

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Licenses, application pathways and examination requirements

Each license and applicant pathway has its own requirements and exemptions. Choosing practice questions does not determine your eligibility.

Business entity insurance producer — casualty

Resident or nonresident agency, partnership or corporation authorized for casualty insurance.

Licensing authority: Montana Commissioner of Securities and Insurance · Application information

Nonresident business entity reciprocal issuance
No examination is required for this applicant pathway.
Designated Producer
Designate an individually licensed producer responsible for compliance.
Exam Exception
Nonresident producer examination exemption under MCA 33-17-212(6)(c).
Home License
Entity holds its resident home-state producer license in good standing; reciprocity, approved application and fees required.

Official no-examination sources

Effective from 2026-09-22.

Resident business entity initial issuance

All of the following:

Entity Application
Approved entity application and appropriate fee; designated licensed individual responsible for compliance.
Exam Waiver
An already licensed named individual may qualify for the prior-license examination exception under MCA 33-17-212(6)(b).
Individuals
Each individual named with transaction authority must meet MCA 33-17-212 qualifications, subject to subsection (6) exceptions; individually acting producers must hold individual licenses.
Organization
Insurance business must fall within organizational purposes; corporations require the applicable certificate or incorporation filing.

Resident insurance producer — casualty

Individual producer with casualty line of authority under MCA 33-17-214(2)(d).

Licensing authority: Montana Commissioner of Securities and Insurance · Application information

Resident initial licensure by examination

All of the following:

Application
Approved truthful application, required fees, background examination and fingerprints. Background examination means a criminal and licensing record check, not a scored professional examination.
Fitness
Competent, trustworthy, of good reputation, and without a ground for refusal under MCA 33-17-1001.
Minimum Age
At least 18 years old.
Procedure
Pass General: Casualty and State: Casualty, apply through NIPR, submit the Applicant Rights and Consent to Fingerprint Form, and submit fingerprints and fee to Montana Criminal Records Division.
Qualifications
Experience, training or other qualification for casualty insurance; familiarity with the Insurance Code governing producer operations.
Residency
Montana resident.
Score Age
Pass each applicable examination within 12 months of application.
Return from military inactive status
No examination is required for this applicant pathway.
Inactive Eligibility
Commissioner may place a producer entering active US armed forces service on inactive status; producer must notify commissioner.
Inactive Restrictions
No insurance transactions while inactive; continuing education and applicable fee waived.
Reactivation
Notify the commissioner upon discharge from active service to be taken off inactive status.

Official no-examination sources

Effective from 2026-09-22.

Resident reapplication outside the statutory examination exception

All of the following:

Application
Approved truthful application, required fees, background examination and fingerprints. Background examination means a criminal and licensing record check, not a scored professional examination.
Fitness
Competent, trustworthy, of good reputation, and without a ground for refusal under MCA 33-17-1001.
Minimum Age
At least 18 years old.
Prior Status
Applicant does not qualify for the same-line, non-temporary prior-license exception in MCA 33-17-212(6)(b).
Qualifications
Experience, training or other qualification for casualty insurance; familiarity with the Insurance Code governing producer operations.
Score Age
Pass each applicable examination within 12 months of application.
Resident reapplication for the same casualty authority within 12 months
No examination is required for this applicant pathway.
Board Instructions
The handbook p. 3 says: "If you feel that you are exempt from testing, please email producerlicensing@mt.gov to confirm."
Other Qualifications
Application and all applicable qualifications remain required.
Prior License
Held a Montana non-temporary casualty producer license within the immediately preceding 12 months; previous license must not have been suspended, revoked or terminated.

Official no-examination sources

Effective from 2026-09-22.

Resident continuation and biennial continuing education
No examination is required for this applicant pathway.
Continuation
License remains effective unless suspended, revoked, terminated or lapsed.
Education
24 approved credit hours each 24 months, including at least 3 ethics hours and 1 hour of Montana legislative changes; commissioner may grant the statutory extension or exemption.
Filing
Biennial certification of completed continuing education; failure causes lapse.

Official no-examination sources

Effective from 2026-09-22.

Casualty – General Knowledge

Provider
Pearson VUE
Exam questions
50 scoreable questions plus 5 pretest questions
Time limit
1 hour 15 minutes
Passing score
Scaled score of 75
Examination outline
  • I. TYPES OF POLICIES, BONDS, AND RELATED TERMS (23 scoreable questions) (46%)
    • 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 (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.)
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.) / 1. Standard policy concepts
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.) / 1. Standard policy concepts / a. Who is an employee/employer
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.) / 1. Standard policy concepts / b. Compensation
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.) / 2. Work-related vs. non-work-related
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.) / 3. Other states’ insurance
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.) / 4. Employers Liability
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.) / 5. Exclusive remedy
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.) / 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)
  • II. INSURANCE TERMS AND RELATED CONCEPTS (15 scoreable questions) (30%)
    • 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
  • III. POLICY PROVISIONS (12 scoreable questions) (24%)
    • 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)
Examination sources

Casualty – Montana Specific

Provider
Pearson VUE
Exam questions
37 scoreable questions plus 5 pretest questions
Time limit
1 hour
Passing score
Scaled score of 75
Examination outline
  • I. MONTANA STATUTES AND RULES COMMON TO LIFE, DISABILITY (A&H), PROPERTY AND CASUALTY INSURANCE (25 scoreable questions)
    • A. Insurance Commissioner/Department
    • A. Insurance Commissioner/Department / 1. Broad powers and duties
    • A. Insurance Commissioner/Department / 2. Examination of records
    • A. Insurance Commissioner/Department / 3. Cease and desist orders
    • A. Insurance Commissioner/Department / 4. Penalties
    • B. General Definitions
    • B. General Definitions / 1. Domestic, foreign, alien
    • B. General Definitions / 2. Insurance transactions
    • B. General Definitions / 3. Authorized/unauthorized companies and certificate of authority
    • B. General Definitions / 4. Fraternals and their producers
    • C. Licensing Requirements
    • C. Licensing Requirements / 1. Definitions
    • C. Licensing Requirements / 2. Nonresident/reciprocal producer
    • C. Licensing Requirements / 3. Consultant
    • C. Licensing Requirements / 4. Administrator
    • C. Licensing Requirements / 5. Surplus lines producer
    • C. Licensing Requirements / 6. Continuing education
    • C. Licensing Requirements / 7. Adjuster
    • C. Licensing Requirements / 8. Premium financing
    • C. Licensing Requirements / 9. Temporary licenses
    • C. Licensing Requirements / 10. Eligibility for license
    • C. Licensing Requirements / 11. Suspension, revocation, and termination of licenses
    • C. Licensing Requirements / 12. Producer appointment/contract cancellation
    • C. Licensing Requirements / 13. Resident producer
    • D. Unfair Trade Practices
    • D. Unfair Trade Practices / 1. False advertising
    • D. Unfair Trade Practices / 2. Rebating
    • D. Unfair Trade Practices / 3. Twisting
    • D. Unfair Trade Practices / 4. Misrepresentation
    • D. Unfair Trade Practices / 5. Defamation
    • D. Unfair Trade Practices / 6. Excess fees/charges
    • D. Unfair Trade Practices / 7. Unfair discrimination
    • D. Unfair Trade Practices / 8. Unfair claims settlement practices
    • E. Licensee Responsibilities
    • E. Licensee Responsibilities / 1. Fiduciary capacity
    • E. Licensee Responsibilities / 2. Commission sharing
    • E. Licensee Responsibilities / 3. Place of business/recordkeeping
    • E. Licensee Responsibilities / 4. Principal producer relationship
    • F. Rate and Form Regulations
    • G. Montana Insurance Guaranty Association
    • H. Insurance Information & Privacy Protection Act
    • I. Basic Contract Language
    • J. Insurance Fraud protection Act
  • II. MONTANA STATUTES AND RULES COMMON TO PROPERTY & CASUALTY INSURANCE ONLY (2–3 scoreable questions)
    • A. Cancellation/Nonrenewal
    • B. Surplus Lines Insurance
    • C. Montana Use of Credit Information in Personal Insurance
  • III. MONTANA STATUTES AND RULES PERTINENT TO CASUALTY INSURANCE ONLY (9–10 scoreable questions)
    • A. Casualty Insurance defined
    • B. Automobile Insurance/Financial Responsibility
    • B. Automobile Insurance/Financial Responsibility / 1. Required limits BI/PD
    • B. Automobile Insurance/Financial Responsibility / 2. Uninsured Motorists-defined
    • B. Automobile Insurance/Financial Responsibility / 3. Mature defensive Driving Act
    • B. Automobile Insurance/Financial Responsibility / 4. Comparative negligence
    • B. Automobile Insurance/Financial Responsibility / 5. Cancellation/nonrenewal
    • B. Automobile Insurance/Financial Responsibility / 6. Prohibited discrimination
    • B. Automobile Insurance/Financial Responsibility / 7. Good Driver Discount
    • C. Assigned Risk/Auto Insurance Plan
    • D. Worker’s Compensation
    • D. Worker’s Compensation / 1. Plan 1, 2, and 3
    • D. Worker’s Compensation / 2. Claims and benefits
    • E. Professional Liability Insurance
Examination sources