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New Jersey Casualty Insurance — Requirements & Free Practice

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Licenses, application pathways and examination requirements

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Insurance Producer License — Casualty Authority

Casualty line of authority under N.J.S.A. 17:22A-33(a)(4). Other separately enumerated lines of authority are distinct from casualty authority.

Licensing authority: New Jersey Department of Banking and Insurance · Application information

Reinstatement after lapse within 12 months
No examination is required for this applicant pathway.
Application
Pay renewal and applicable late fees; supply certification of insurance business transacted while unlicensed.
Deadline
Apply within 12 months after renewal fee due date.
Education
Provide required continuing education completion evidence; nonresident exemptions remain applicable.
Examination
N.J.S.A. 17:22A-33(c) expressly permits reinstating the same individual license without passing a written examination.

Official no-examination sources

Effective from 2026-09-22.

Add casualty authority to an existing nonresident license
No examination is required for this applicant pathway.
Application
Apply through NIPR or submit a signed dated request with New Jersey license reference number and fee; certification is needed if PDB does not verify home-state status.
Home License
Already holds the casualty line in good standing in the home state.

Official no-examination sources

Effective from 2026-09-22.

Nonresident licensure by reciprocity
No examination is required for this applicant pathway.
Application
Submit proper request, the home-state application or uniform application, and applicable fees.
Home License
Currently licensed as a resident casualty producer in good standing in the home state.
Reciprocity
Home state awards nonresident producer licenses to New Jersey residents on the same basis.

Official no-examination sources

Effective from 2026-09-22.

Nonresident renewal
No examination is required for this applicant pathway.
Application
Submit renewal application and applicable fees.
Education
New Jersey continuing education is not required for nonresident licensees; reciprocal home-state compliance satisfies N.J.S.A. 17:22A-46(c).
Home License
Maintain home-state license in good standing.

Official no-examination sources

Effective from 2026-09-22.

Nonresident requalification after failure to renew within one year
No examination is required for this applicant pathway.
Application
Submit proper request and fees under N.J.S.A. 17:22A-34.
Home License
Current resident casualty producer license in good standing and qualifying reciprocity.
Lapse
Failed to renew within one year; requalify as a new nonresident applicant.

Official no-examination sources

Effective from 2026-09-22.

Add casualty authority to an existing resident individual license
Casualty Producer Examination
Business Name
Obtain Department approval of a trade/doing-business-as name before applying if one is used.
Character
No act constituting a ground for denial, suspension or revocation under N.J.S.A. 17:22A-40; application statements must be true, correct and complete.
Education
Complete 20 hours of approved casualty prelicensing education unless an approved education waiver applies. AAI, ARM, CIC and CPCU may waive education; they do not waive the examination.
Exemption
If the applicant qualifies under N.J.S.A. 17:22A-35, education and examination are waived.
Existing License
Already holds a New Jersey resident producer license; apply for additional casualty authority.
Fees
Pay applicable application and licensing fees. Honorably discharged qualifying resident veterans receive the statutory initial licensing fee waiver under N.J.S.A. 17:22A-44(e).
Fingerprints
Submit fingerprints and written consent for the criminal history record background check and bear its costs.
Minimum Age
At least 18 years old.
Passing Score Window
PSI states passing score reports are valid for one year.
Resident initial licensure by examination
Casualty Producer Examination
Business Name
Obtain Department approval of a trade/doing-business-as name before applying if one is used.
Character
No act constituting a ground for denial, suspension or revocation under N.J.S.A. 17:22A-40; application statements must be true, correct and complete.
Education
Complete 20 hours of approved casualty prelicensing education unless an approved education waiver applies. AAI, ARM, CIC and CPCU may waive education; they do not waive the examination.
Fees
Pay applicable application and licensing fees. Honorably discharged qualifying resident veterans receive the statutory initial licensing fee waiver under N.J.S.A. 17:22A-44(e).
Fingerprints
Submit fingerprints and written consent for the criminal history record background check and bear its costs.
Minimum Age
At least 18 years old.
Passing Score Window
PSI states passing score reports are valid for one year.
Resident licensure with a qualifying prior same line license
No examination is required for this applicant pathway.
Application
Submit resident application, fees and criminal background requirements.
Exemption
N.J.S.A. 17:22A-35(a) exempts qualifying applicants from prelicensing education and examination.
Prior License
Currently licensed for casualty in another state, or application received within 90 days after cancellation; certify good standing at cancellation or establish good standing through NAIC Producer Database records.

Official no-examination sources

Effective from 2026-09-22.

Resident licensure following relocation
No examination is required for this applicant pathway.
Application
Submit the resident application, fees and criminal history background check.
Deadline
Apply within 90 days after establishing New Jersey legal residence.
Exemption
No prelicensing education or examination for previously held authorities, except as otherwise determined by Commissioner regulation; current Board FAQ implements the same-line exemption.
Prior License
Licensed as an insurance producer in another state with casualty authority.

Official no-examination sources

Effective from 2026-09-22.

Resident renewal
No examination is required for this applicant pathway.
Application
Submit renewal application and fees before expiration; comply with continuing qualifications.
Education
24 approved continuing education credits per two-year period, including three ethics credits; statutory hardship waivers may apply.

Official no-examination sources

Effective from 2026-09-22.

Resident requalification after failure to renew within one year
Casualty Producer Examination
Business Name
Obtain Department approval of a trade/doing-business-as name before applying if one is used.
Character
No act constituting a ground for denial, suspension or revocation under N.J.S.A. 17:22A-40; application statements must be true, correct and complete.
Education
Complete 20 hours of approved casualty prelicensing education unless an approved education waiver applies. AAI, ARM, CIC and CPCU may waive education; they do not waive the examination.
Fees
Pay applicable application and licensing fees. Honorably discharged qualifying resident veterans receive the statutory initial licensing fee waiver under N.J.S.A. 17:22A-44(e).
Fingerprints
Submit fingerprints and written consent for the criminal history record background check and bear its costs.
Hardship
Military service or long-term medical disability may support a request to waive renewal procedures, examination requirements, fines or sanctions under N.J.S.A. 17:22A-33(d).
Lapse
The former resident producer failed to renew within one year of scheduled expiration; Department requires requalification as a new applicant.
Minimum Age
At least 18 years old.
Passing Score Window
PSI states passing score reports are valid for one year.

Business Entity Insurance Producer License — Casualty Authority

Casualty line of authority under N.J.S.A. 17:22A-33(a)(4). Other separately enumerated lines of authority are distinct from casualty authority.

Licensing authority: Department of Banking and Insurance · Application information

Add casualty authority to a licensed business entity
No examination is required for this applicant pathway.
Application
Apply for the additional authority and pay applicable fee.
Nonresident
A nonresident entity must also hold comparable casualty authority in its home state.
Responsible Producers
One or more designated responsible producers with active NJ licenses must cumulatively cover casualty authority.

Official no-examination sources

Effective from 2026-09-22.

Business entity late renewal within one year
No examination is required for this applicant pathway.
Application
Submit renewal and applicable late fees.
Deadline
Apply within one year following scheduled expiration; a submission more than 30 days late requires the major-line late fee.
Responsible Producers
Maintain active New Jersey designated responsible producers covering casualty authority.

Official no-examination sources

Effective from 2026-09-22.

Nonresident business entity licensure by reciprocity
No examination is required for this applicant pathway.
Application
Uniform or home-state business application and applicable fees.
Home License
Business entity has current resident producer license in good standing with casualty authority in home state.
Reciprocity
Home state grants New Jersey entities nonresident licenses on the same basis.
Responsible Producers
Designated responsible producers hold active NJ licenses cumulatively covering casualty authority.

Official no-examination sources

Effective from 2026-09-22.

Business entity renewal
No examination is required for this applicant pathway.
Application
Submit renewal application and fees; entity continuing qualifications must remain satisfied.
Responsible Producer
Maintain a designated responsible producer with an active New Jersey license covering the entity authority.

Official no-examination sources

Effective from 2026-09-22.

Business entity requalification after lapse exceeding one year
No examination is required for this applicant pathway.
Application
Uniform business entity application and fees.
Lapse
Requalify as a new applicant after failing to renew within one year.
Nonresident
Nonresident applicants must qualify for reciprocal issuance with good-standing home-state licensure.
Responsible Producers
Designate active New Jersey licensed responsible producers covering casualty authority.

Official no-examination sources

Effective from 2026-09-22.

Resident business entity initial licensure
No examination is required for this applicant pathway.
Application
Uniform business entity application, fees, Department-approved business name and entity formation evidence.
Entity
A business entity acting as an insurance producer must obtain its own license.
Fingerprints
Resident officers, directors, partners and owners of 10% or more must complete required fingerprint/background processing.
Responsible Producers
Designate one or more active New Jersey licensed producers cumulatively covering casualty authority; their licenses are applicant qualifications, not entity examinations.

Official no-examination sources

Effective from 2026-09-22.

Temporary Insurance Producer License — Casualty Authority

Casualty line of authority under N.J.S.A. 17:22A-33(a)(4). Other separately enumerated lines of authority are distinct from casualty authority.

Licensing authority: New Jersey Department of Banking and Insurance · Application information

Temporary licensure for a business entity member or employee
No examination is required for this applicant pathway.
Authority
Service casualty business within the temporary authority granted.
Discretion
Commissioner must determine temporary licensing is necessary to service an insurance business; may limit authority, require a suitable sponsor and other protective requirements, or revoke the temporary license if public interests are endangered.
Duration
No more than 180 days.
Eligibility
Death or disability of the individual designated responsible for the entity insurance compliance.
Termination
License does not continue after owner or personal representative disposes of the producer business.

Official no-examination sources

Effective from 2026-09-22.

Temporary licensure for military service designee
No examination is required for this applicant pathway.
Authority
Service casualty business within the temporary authority granted.
Discretion
Commissioner must determine temporary licensing is necessary to service an insurance business; may limit authority, require a suitable sponsor and other protective requirements, or revoke the temporary license if public interests are endangered.
Duration
No more than 180 days.
Eligibility
Designee of a licensed insurance producer entering active armed-forces service.
Termination
License does not continue after owner or personal representative disposes of the producer business.

Official no-examination sources

Effective from 2026-09-22.

Temporary licensure in another public interest circumstance
No examination is required for this applicant pathway.
Authority
Service casualty business within the temporary authority granted.
Discretion
Commissioner must determine temporary licensing is necessary to service an insurance business; may limit authority, require a suitable sponsor and other protective requirements, or revoke the temporary license if public interests are endangered.
Duration
No more than 180 days.
Eligibility
Commissioner determines public interest is best served by issuing a temporary producer license.
Termination
License does not continue after owner or personal representative disposes of the producer business.

Official no-examination sources

Effective from 2026-09-22.

Temporary licensure for surviving spouse or court appointed personal representative
No examination is required for this applicant pathway.
Authority
Service casualty business within the temporary authority granted.
Discretion
Commissioner must determine temporary licensing is necessary to service an insurance business; may limit authority, require a suitable sponsor and other protective requirements, or revoke the temporary license if public interests are endangered.
Duration
No more than 180 days.
Eligibility
Death or disability of licensed producer; serve the business pending sale, recovery, return, or training and licensing of replacement personnel.
Termination
License does not continue after owner or personal representative disposes of the producer business.

Official no-examination sources

Effective from 2026-09-22.

Temporary Work Authority — Casualty Producer

Temporary work authority for qualified casualty producer candidates, allowing insurance business for 60 days from the exam date under the supervision of a currently licensed producer.

Licensing authority: New Jersey Department of Banking and Insurance · Application information

Temporary work authority following passage of the casualty examination
Casualty Producer Examination
Activation
Follow the instructions on the temporary work authority certificate.
Business Name
Obtain Department approval of a trade/doing-business-as name before applying if one is used.
Character
No act constituting a ground for denial, suspension or revocation under N.J.S.A. 17:22A-40; application statements must be true, correct and complete.
Duration
60 days from exam date.
Education
Complete 20 hours of approved casualty prelicensing education unless an approved education waiver applies. AAI, ARM, CIC and CPCU may waive education; they do not waive the examination.
Fees
Pay applicable application and licensing fees. Honorably discharged qualifying resident veterans receive the statutory initial licensing fee waiver under N.J.S.A. 17:22A-44(e).
Fingerprints
Submit fingerprints and written consent for the criminal history record background check and bear its costs.
Minimum Age
At least 18 years old.
Passing Score Window
PSI states passing score reports are valid for one year.
Screening
PSI evaluates passing casualty candidates using Department eligibility screening questions; these are license eligibility conditions, not a separately scored professional examination.
Supervision
Transact insurance business under supervision of a currently licensed producer while obtaining the permanent license.

Casualty Producer Examination

Provider
PSI Services LLC
Format
Computer-administered questions; test center or remote proctoring
Exam questions
91 scored items; 5–19 additional unscored experimental questions may be administered
Time limit
3.5 hours
Passing score
70% correct
Examination outline
  • Types of Policies, Bonds, and Related Terms (23 Items)
    • 1.1 Commercial General Liability
    • 1.1 Basic Hazards — Premises and Operations
    • 1.1 Basic Hazards — Products and Completed Operations
    • 1.1 Basic Hazards — Independent Contractors
    • 1.1 Basic Hazards — Insured Contracts
    • 1.1 Commercial General Liability Coverage Forms — Coverage A: Bodily Injury and Property Damage Liability
    • 1.1 Coverage A — Occurrence
    • 1.1 Coverage A — Claims Made
    • 1.1 Claims Made — Extended Reporting Periods: Basic and Supplemental
    • 1.1 Claims Made — Retroactive Date
    • 1.1 Coverage B: Personal Injury and Advertising Injury
    • 1.1 Coverage C: Medical Payments
    • 1.1 Supplemental Payments
    • 1.1 Who is an insured
    • 1.1 Limits
    • 1.1 Conditions (The candidate also should be familiar with ISO’s Common Policy Conditions)
    • 1.1 Definitions
    • 1.2 Automotive: Personal Auto and Business Auto
    • 1.2 Liability
    • 1.2 Medical Payments
    • 1.2 Physical damage (collision and other than collision/comprehensive)
    • 1.2 Uninsured motorists
    • 1.2 Underinsured motorists
    • 1.2 Who is an insured
    • 1.2 Types of Auto — Owned
    • 1.2 Types of Auto — Non-owned
    • 1.2 Types of Auto — Hired
    • 1.2 Types of Auto — Temporary Substitute
    • 1.2 Garage Coverage Form, including Garagekeepers insurance
    • 1.3 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.)
    • 1.3 Standard policy concepts
    • 1.3 Work-related vs. non-work-related
    • 1.3 Other states’ insurance
    • 1.4 Crime — Employee Theft
    • 1.4 Crime — Inside the Premises-Theft of Money and Securities
    • 1.4 Crime — Inside the Premises-Robbery or Safe Burglary of Other Property
    • 1.4 Crime — Inside the Premises-Robbery or Burglary of Other Property
    • 1.5 Surety Bonding — Definitions: Obligee
    • 1.5 Surety Bonding — Definitions: Principal
    • 1.5 Surety Bonding — Definitions: Surety
    • 1.6 Professional Liability — Errors and Omissions
    • 1.7 Umbrella/Excess Liability
  • Insurance Terms and Related Concepts (15 Items)
    • 2.1 Risk
    • 2.2 Hazard
    • 2.3 Indemnity
    • 2.4 Insurable Interest
    • 2.5 Actual Cash Value
    • 2.6 Negligence
    • 2.7 Liability
    • 2.8 Accident
    • 2.9 Occurrence
    • 2.10 Burglary
    • 2.11 Robbery
    • 2.12 Theft
    • 2.13 Mysterious Disappearance
    • 2.14 Binders
    • 2.15 Warranties
    • 2.16 Representations
    • 2.17 Concealment
    • 2.18 Bodily Injury Liability
    • 2.19 Property Damage Liability
    • 2.20 Personal Injury Liability
    • 2.21 Limits of Liability
    • 2.22 Deductibles
    • 2.23 Insured Contract
    • 2.24 Deposit Premium/Audit
    • 2.25 Certificate of Insurance
  • Policy Provisions (12 Items)
    • 3.1 Declarations
    • 3.2 Insuring Agreement
    • 3.3 Conditions
    • 3.4 Exclusions and Limitations
    • 3.5 Definition of the Insured
    • 3.6 Duties of the Insured After a Loss
    • 3.7 Cancellation and Nonrenewal Provisions
    • 3.8 Additional (Supplementary) Payments
    • 3.9 Proof of Loss
    • 3.10 Notice of Claim
    • 3.11 Arbitration
    • 3.12 Other Insurance
    • 3.13 Subrogation
    • 3.14 Compliance with Provisions of Fair Credit Reporting Act
    • 3.15 Claims Made Policy Form
    • 3.16 Salvage
    • 3.17 Loss Settlement Provisions Including Consent to Settle a Loss
  • New Jersey Laws, Rules, and Regulations Common to Life, Accident and Health, Property, and Casualty Insurance (25 Items)
    • 4.1 State Regulatory Jurisdiction
    • 4.1 Legislation — State Laws
    • 4.1 Legislation — Court Action: Interpretations
    • 4.1 Legislation — Court Action: Effect on Law and Policy Forms
    • 4.1 Legislation — Related Federal Laws and court Cases: Paul v. Virginia
    • 4.1 Legislation — Related Federal Laws and court Cases: US v. South-Eastern Underwriters Assoc.
    • 4.1 Legislation — Related Federal Laws and court Cases: McCarran-Ferguson Act/Public Law 15
    • 4.1 Commissioner/Dept. of Banking and Insurance — Broad Powers of Commissioner
    • 4.1 Commissioner/Dept. of Banking and Insurance — Notice and Hearing
    • 4.1 Commissioner/Dept. of Banking and Insurance — Penalties
    • 4.2 Definitions — Insurance-related conduct
    • 4.2 Definitions — Domestic, foreign, and alien companies
    • 4.2 Definitions — Stock and mutual
    • 4.2 Definitions — Reinsurance
    • 4.2 Definitions — Certificate of authority
    • 4.2 A producer acting as — Insurance Agent
    • 4.2 A producer acting as — Insurance Broker
    • 4.2 A producer acting as — Insurance Consultant
    • 4.2 “Sell, Solicit, and Negotiate”
    • 4.3 Licensing — Types of licenses/authorities/requirements: Producer
    • 4.3 Licensing — Types of licenses/authorities/requirements: Business entity
    • 4.3 Licensing — Types of licenses/authorities/requirements: Nonresident Producer
    • 4.3 Licensing — Types of licenses/authorities/requirements: Nonresident Business Entity
    • 4.3 Licensing — Types of licenses/authorities/requirements: Prelicensing requirements
    • 4.3 Licensing — Types of licenses/authorities/requirements: Surplus lines
    • 4.3 Licensing — Temporary work authority
    • 4.3 Licensing — Contractual relationships: Company/producer
    • 4.3 Licensing — Contractual relationships: Producer substituting for or taking over the business of a disabled/deceased producer
    • 4.3 Licensing — Maintenance and duration of license
    • 4.3 Licensing — Renewal
    • 4.3 Licensing — Certification of license status
    • 4.3 Licensing — License refusal/termination: Denial
    • 4.3 Licensing — License refusal/termination: Cancellation/reinstatement
    • 4.3 Licensing — License refusal/termination: Revocation/suspension
    • 4.4 Trade Practices — Prohibited practices
    • 4.4 Trade Practices — Licensee responsibilities (Reporting information to the Department of Banking and Insurance): Business names (including fictitious)
    • 4.4 Trade Practices — Licensee responsibilities: Branch offices
    • 4.4 Trade Practices — Licensee responsibilities: Change of address
    • 4.4 Trade Practices — Licensee responsibilities: Standards of conduct
    • 4.5 Fraud
    • 4.6 Ethics
    • 4.7 Information Privacy
  • New Jersey Laws, Rules, and Regulations Pertinent to Casualty Insurance Only (16 Items)
    • 5.1 Auto Insurance — Requirements: Bodily Injury and Property Damage
    • 5.1 Auto Insurance — Requirements: Uninsured and underinsured Motorists
    • 5.1 Auto Insurance — Requirements: Evidence of insurance/identification cards
    • 5.1 Auto Insurance — Personal Injury Protection (PIP): Definitions
    • 5.1 Auto Insurance — Personal Injury Protection (PIP): Benefits
    • 5.1 Auto Insurance — Personal Injury Protection (PIP): Primacy of coverage
    • 5.1 Auto Insurance — Personal Injury Protection (PIP): Exclusions/deductibles
    • 5.1 Auto Insurance — Personal Injury Protection (PIP): Tort options
    • 5.1 Auto Insurance — New Jersey Automobile Residual Market Personal Automobile Insurance Plan (PAIP): Purpose
    • 5.1 Auto Insurance — PAIP: Rates
    • 5.1 Auto Insurance — PAIP: Servicing carriers
    • 5.1 Auto Insurance — PAIP: Available coverages
    • 5.1 Auto Insurance — UEZ Program
    • 5.1 Auto Insurance — Commercial Automobile Insurance Plan (CAIP): Purpose
    • 5.1 Auto Insurance — CAIP: Rates
    • 5.1 Auto Insurance — CAIP: Servicing carriers
    • 5.1 Auto Insurance — CAIP: Available coverages
    • 5.1 Auto Insurance — Basic Auto Insurance Policy
    • 5.1 Auto Insurance — Special Auto Insurance Policy (SAIP)
    • 5.2 Workers' Compensation — Commercial coverage: Purpose
    • 5.2 Workers' Compensation — Commercial coverage: Definitions
    • 5.2 Workers' Compensation — Commercial coverage: Requirements
    • 5.2 Workers' Compensation — Commercial coverage: Benefits
    • 5.2 Workers' Compensation — Commercial coverage: Defenses
    • 5.2 Workers' Compensation — Commercial coverage: Ratings Plans
    • 5.2 Workers' Compensation — Commercial coverage: Assigned Risk Plan (Workers Compensation Insurance Plan)
    • 5.2 Workers' Compensation — Commercial coverage: Surcharges
    • 5.2 Workers' Compensation — Commercial coverage: Compensation Rating and Inspection Bureau (CRIB)
    • 5.2 Workers' Compensation — Domestic employee coverage (Homeowners)
    • 5.3 Commercial Insurance Deregulation
    • 5.4 Cancellation and Nonrenewal
    • 5.5 Surplus Lines — Certificate of diligent effort
    • 5.5 Surplus Lines — Exportable list
    • 5.6 Certificates of Insurance
Examination sources