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Colorado Property & Casualty Insurance — Requirements & Free Practice

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Licenses, application pathways and examination requirements

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Insurance Producer — Bail Bonding Authority

Casualty producer with the separate appointment credentials issued for bail bonding authority; appointment and pre-appointment training are applicant conditions.

Licensing authority: Colorado Division of Insurance · Application information

Bail bonding authority — appointment renewal
No examination is required for this applicant pathway.
Appointment
Written contract and appointment with a bail insurance company; division issues appointment credentials.
Existing license
Hold an active Colorado insurance producer license with Casualty authority.
Renewal
Active insurer appointment is renewed on October 1 of the renewal year, with the insurer paying the required fee.
Training
Before initial appointment, provide proof of eight hours bail bonding education and sixteen hours bail recovery training; prior qualifying pre-July 2012 training is recognized by C.R.S. 10-2-415.5(2)(c)(II). Course-completion assessments are conditions rather than separately identifiable licensing exams.

Official no-examination sources

Effective from 2026-09-22.

Bail bonding authority — initial appointment
No examination is required for this applicant pathway.
Appointment
Written contract and appointment with a bail insurance company; division issues appointment credentials.
Existing license
Hold an active Colorado insurance producer license with Casualty authority.
Renewal
Active insurer appointment is renewed on October 1 of the renewal year, with the insurer paying the required fee.
Training
Before initial appointment, provide proof of eight hours bail bonding education and sixteen hours bail recovery training; prior qualifying pre-July 2012 training is recognized by C.R.S. 10-2-415.5(2)(c)(II). Course-completion assessments are conditions rather than separately identifiable licensing exams.

Official no-examination sources

Effective from 2026-09-22.

New Casualty producer seeking bail bonding authority
CO Casualty Producer
Application
Submit a truthful and complete application and the prescribed fee, including requested supporting documents and screening disclosures.
Appointment
Following licensure, obtain a written bail insurance company appointment and its separate division-issued credentials.
Character
Competent, trustworthy, of good moral character and good business reputation; no disqualifying act under C.R.S. 10-2-801.
Completion assessment
Regulation 1-2-5 Section 6.B: approved self-study or classroom course final examination with at least 70%; this is a course-completion condition, not a separately identified licensing examination.
Controlled business
License must not be used for controlled business as defined by C.R.S. 10-2-401(4)-(5).
Course
Complete 50 hours of Division-approved prelicensing education for Property, Casualty, combined Property and Casualty, or Personal Lines, as applicable; three hours ethics, three general Colorado insurance law, four line-specific Colorado law.
Course currency
Prelicensing completion certificate must precede the licensing examination and is valid for one year.
Exam score currency
Pearson handbook p. 4: passing scores are valid for one year; application must be received within one year after passing.
Minimum age
At least 18 years of age.
Requested authority
Casualty authority for bail business; not already licensed for this authority.
Residence
Colorado resident.
Training
Complete the eight-hour bail bonding and sixteen-hour bail recovery pre-appointment courses.

Insurance Producer License

Individual producer license with Property and/or Casualty authority, including the related Personal Lines, Crop Hail and Surplus Lines authorizations. These authorizations are lines on the single producer license.

Licensing authority: Colorado Division of Insurance · Application information

Additional authority — Casualty
CO Casualty Producer
Application
Submit a truthful and complete application and the prescribed fee, including requested supporting documents and screening disclosures.
Character
Competent, trustworthy, of good moral character and good business reputation; no disqualifying act under C.R.S. 10-2-801.
Completion assessment
Regulation 1-2-5 Section 6.B: approved self-study or classroom course final examination with at least 70%; this is a course-completion condition, not a separately identified licensing examination.
Controlled business
License must not be used for controlled business as defined by C.R.S. 10-2-401(4)-(5).
Course
Complete 50 hours of Division-approved prelicensing education for Property, Casualty, combined Property and Casualty, or Personal Lines, as applicable; three hours ethics, three general Colorado insurance law, four line-specific Colorado law.
Course currency
Prelicensing completion certificate must precede the licensing examination and is valid for one year.
Exam score currency
Pearson handbook p. 4: passing scores are valid for one year; application must be received within one year after passing.
Existing license
Already holds a producer license; seeks the specified additional authority not previously held. Existing license continuation date is unchanged.
Minimum age
At least 18 years of age.
Requested authority
Casualty
Residence
Colorado resident.
Additional authority — Crop Hail
CO Crop (practice unavailable)
Application
Submit a truthful and complete application and the prescribed fee, including requested supporting documents and screening disclosures.
Character
Competent, trustworthy, of good moral character and good business reputation; no disqualifying act under C.R.S. 10-2-801.
Controlled business
License must not be used for controlled business as defined by C.R.S. 10-2-401(4)-(5).
Exam score currency
Pearson handbook p. 4: passing scores are valid for one year; application must be received within one year after passing.
Existing license
Already holds a producer license; seeks the specified additional authority not previously held. Existing license continuation date is unchanged.
Minimum age
At least 18 years of age.
Requested authority
Crop Hail
Residence
Colorado resident.
Additional authority — Personal Lines
Personal Lines (practice unavailable)
Application
Submit a truthful and complete application and the prescribed fee, including requested supporting documents and screening disclosures.
Character
Competent, trustworthy, of good moral character and good business reputation; no disqualifying act under C.R.S. 10-2-801.
Completion assessment
Regulation 1-2-5 Section 6.B: approved self-study or classroom course final examination with at least 70%; this is a course-completion condition, not a separately identified licensing examination.
Controlled business
License must not be used for controlled business as defined by C.R.S. 10-2-401(4)-(5).
Course
Complete 50 hours of Division-approved prelicensing education for Property, Casualty, combined Property and Casualty, or Personal Lines, as applicable; three hours ethics, three general Colorado insurance law, four line-specific Colorado law.
Course currency
Prelicensing completion certificate must precede the licensing examination and is valid for one year.
Exam score currency
Pearson handbook p. 4: passing scores are valid for one year; application must be received within one year after passing.
Existing license
Already holds a producer license; seeks the specified additional authority not previously held. Existing license continuation date is unchanged.
Minimum age
At least 18 years of age.
Requested authority
Personal Lines
Residence
Colorado resident.
Additional authority — Property
CO Property Producer (practice unavailable)
Application
Submit a truthful and complete application and the prescribed fee, including requested supporting documents and screening disclosures.
Character
Competent, trustworthy, of good moral character and good business reputation; no disqualifying act under C.R.S. 10-2-801.
Completion assessment
Regulation 1-2-5 Section 6.B: approved self-study or classroom course final examination with at least 70%; this is a course-completion condition, not a separately identified licensing examination.
Controlled business
License must not be used for controlled business as defined by C.R.S. 10-2-401(4)-(5).
Course
Complete 50 hours of Division-approved prelicensing education for Property, Casualty, combined Property and Casualty, or Personal Lines, as applicable; three hours ethics, three general Colorado insurance law, four line-specific Colorado law.
Course currency
Prelicensing completion certificate must precede the licensing examination and is valid for one year.
Exam score currency
Pearson handbook p. 4: passing scores are valid for one year; application must be received within one year after passing.
Existing license
Already holds a producer license; seeks the specified additional authority not previously held. Existing license continuation date is unchanged.
Minimum age
At least 18 years of age.
Requested authority
Property
Residence
Colorado resident.
Additional authority — Property and Casualty

All of the following:

Application
Submit a truthful and complete application and the prescribed fee, including requested supporting documents and screening disclosures.
Character
Competent, trustworthy, of good moral character and good business reputation; no disqualifying act under C.R.S. 10-2-801.
Completion assessment
Regulation 1-2-5 Section 6.B: approved self-study or classroom course final examination with at least 70%; this is a course-completion condition, not a separately identified licensing examination.
Controlled business
License must not be used for controlled business as defined by C.R.S. 10-2-401(4)-(5).
Course
Complete 50 hours of Division-approved prelicensing education for Property, Casualty, combined Property and Casualty, or Personal Lines, as applicable; three hours ethics, three general Colorado insurance law, four line-specific Colorado law.
Course currency
Prelicensing completion certificate must precede the licensing examination and is valid for one year.
Exam score currency
Pearson handbook p. 4: passing scores are valid for one year; application must be received within one year after passing.
Existing license
Already holds a producer license; seeks the specified additional authority not previously held. Existing license continuation date is unchanged.
Minimum age
At least 18 years of age.
Requested authority
Property and Casualty
Residence
Colorado resident.
Additional authority — Surplus Lines
CO Surplus Lines (practice unavailable)
Application
Submit a truthful and complete application and the prescribed fee, including requested supporting documents and screening disclosures.
Character
Competent, trustworthy, of good moral character and good business reputation; no disqualifying act under C.R.S. 10-2-801.
Controlled business
License must not be used for controlled business as defined by C.R.S. 10-2-401(4)-(5).
Exam score currency
Pearson handbook p. 4: passing scores are valid for one year; application must be received within one year after passing.
Existing license
Already holds a producer license; seeks the specified additional authority not previously held. Existing license continuation date is unchanged.
Minimum age
At least 18 years of age.
Requested authority
Surplus Lines
Residence
Colorado resident.
Restoration following continuing education suspension
No examination is required for this applicant pathway.
Previous license
Restore the same previously held resident authorities; C.R.S. 10-2-403(1)(a) exempts their licensing examination.
Restoration
Demonstrate compliance with C.R.S. 10-2-301 and other applicable licensing requirements to the commissioner.
Suspension
License suspended for noncompliance with continuing education or false certification.

Official no-examination sources

Effective from 2026-09-22.

Nonresident license continuation
No examination is required for this applicant pathway.
Continuation
Individual producer license is perpetual, subject to biennial continuation fee by the last day of the birth month and timely continuing education.
Education
Resident Property, Casualty and Personal Lines holders complete 24 continuing education credits per continuation cycle after the first cycle, including three ethics credits and three homeowners credits for Property or Personal Lines; nonresidents meet reciprocal home-state continuing education. Approved course assessments remain course-completion conditions.
License
Continue previously held authorities; no new authority is being added.
Residence
nonresident

Official no-examination sources

Effective from 2026-09-22.

Resident license continuation
No examination is required for this applicant pathway.
Continuation
Individual producer license is perpetual, subject to biennial continuation fee by the last day of the birth month and timely continuing education.
Education
Resident Property, Casualty and Personal Lines holders complete 24 continuing education credits per continuation cycle after the first cycle, including three ethics credits and three homeowners credits for Property or Personal Lines; nonresidents meet reciprocal home-state continuing education. Approved course assessments remain course-completion conditions.
License
Continue previously held authorities; no new authority is being added.
Residence
resident

Official no-examination sources

Effective from 2026-09-22.

CPCU designation — Casualty
CO Casualty Producer
Application
Submit a truthful and complete application and the prescribed fee, including requested supporting documents and screening disclosures.
Character
Competent, trustworthy, of good moral character and good business reputation; no disqualifying act under C.R.S. 10-2-801.
Controlled business
License must not be used for controlled business as defined by C.R.S. 10-2-401(4)-(5).
Exam score currency
Pearson handbook p. 4: passing scores are valid for one year; application must be received within one year after passing.
Minimum age
At least 18 years of age.
Partial exam exemption
C.R.S. 10-2-403(1)(d) excuses the general portion only; the Colorado laws and rules portion remains required. The requirement references the same registered examination and preserves its complete outline.
Prelicensing
CPCU curriculum satisfies the prelicensing education requirement.
Professional designation
Hold the Chartered Property and Casualty Underwriter (CPCU) designation.
Requested authority
Casualty
Residence
Colorado resident.
CPCU designation — Property
CO Property Producer (practice unavailable)
Application
Submit a truthful and complete application and the prescribed fee, including requested supporting documents and screening disclosures.
Character
Competent, trustworthy, of good moral character and good business reputation; no disqualifying act under C.R.S. 10-2-801.
Controlled business
License must not be used for controlled business as defined by C.R.S. 10-2-401(4)-(5).
Exam score currency
Pearson handbook p. 4: passing scores are valid for one year; application must be received within one year after passing.
Minimum age
At least 18 years of age.
Partial exam exemption
C.R.S. 10-2-403(1)(d) excuses the general portion only; the Colorado laws and rules portion remains required. The requirement references the same registered examination and preserves its complete outline.
Prelicensing
CPCU curriculum satisfies the prelicensing education requirement.
Professional designation
Hold the Chartered Property and Casualty Underwriter (CPCU) designation.
Requested authority
Property
Residence
Colorado resident.
CPCU designation — Property and Casualty

All of the following:

Application
Submit a truthful and complete application and the prescribed fee, including requested supporting documents and screening disclosures.
Character
Competent, trustworthy, of good moral character and good business reputation; no disqualifying act under C.R.S. 10-2-801.
Controlled business
License must not be used for controlled business as defined by C.R.S. 10-2-401(4)-(5).
Exam score currency
Pearson handbook p. 4: passing scores are valid for one year; application must be received within one year after passing.
Minimum age
At least 18 years of age.
Partial exam exemption
C.R.S. 10-2-403(1)(d) excuses the general portion only; the Colorado laws and rules portion remains required. The requirement references the same registered examination and preserves its complete outline.
Prelicensing
CPCU curriculum satisfies the prelicensing education requirement.
Professional designation
Hold the Chartered Property and Casualty Underwriter (CPCU) designation.
Requested authority
Property and Casualty
Residence
Colorado resident.
Approved professional designation curriculum — Casualty
CO Casualty Producer
Application
Submit a truthful and complete application and the prescribed fee, including requested supporting documents and screening disclosures.
Character
Competent, trustworthy, of good moral character and good business reputation; no disqualifying act under C.R.S. 10-2-801.
Controlled business
License must not be used for controlled business as defined by C.R.S. 10-2-401(4)-(5).
Exam score currency
Pearson handbook p. 4: passing scores are valid for one year; application must be received within one year after passing.
Minimum age
At least 18 years of age.
Professional designation
Hold AAI, ARM or CIC; the designation curriculum satisfies the prelicensing course requirement, while the licensing examination remains required.
Requested authority
Casualty
Residence
Colorado resident.
Approved professional designation curriculum — Property
CO Property Producer (practice unavailable)
Application
Submit a truthful and complete application and the prescribed fee, including requested supporting documents and screening disclosures.
Character
Competent, trustworthy, of good moral character and good business reputation; no disqualifying act under C.R.S. 10-2-801.
Controlled business
License must not be used for controlled business as defined by C.R.S. 10-2-401(4)-(5).
Exam score currency
Pearson handbook p. 4: passing scores are valid for one year; application must be received within one year after passing.
Minimum age
At least 18 years of age.
Professional designation
Hold AAI, ARM or CIC; the designation curriculum satisfies the prelicensing course requirement, while the licensing examination remains required.
Requested authority
Property
Residence
Colorado resident.
Approved professional designation curriculum — Property and Casualty

All of the following:

Application
Submit a truthful and complete application and the prescribed fee, including requested supporting documents and screening disclosures.
Character
Competent, trustworthy, of good moral character and good business reputation; no disqualifying act under C.R.S. 10-2-801.
Controlled business
License must not be used for controlled business as defined by C.R.S. 10-2-401(4)-(5).
Exam score currency
Pearson handbook p. 4: passing scores are valid for one year; application must be received within one year after passing.
Minimum age
At least 18 years of age.
Professional designation
Hold AAI, ARM or CIC; the designation curriculum satisfies the prelicensing course requirement, while the licensing examination remains required.
Requested authority
Property and Casualty
Residence
Colorado resident.
Continuation or reinstatement with military, medical or other approved hardship
No examination is required for this applicant pathway.
Application
Submit a truthful and complete application and the prescribed fee, including requested supporting documents and screening disclosures.
Character
Competent, trustworthy, of good moral character and good business reputation; no disqualifying act under C.R.S. 10-2-801.
Controlled business
License must not be used for controlled business as defined by C.R.S. 10-2-401(4)-(5).
Exam score currency
Pearson handbook p. 4: passing scores are valid for one year; application must be received within one year after passing.
Hardship
Military service, long-term medical disability, or another condition the commissioner accepts.
Implementation reexamination
2. The producer may reinstate the license within one year from the expiration date of the license following the non-continuance. Failure to reinstate the license within that year will result in the additional requirement of completing a new pre-licensing education course (if required for the license type or line of authority) and re-examination for the license type or authorities being applied for.
Minimum age
At least 18 years of age.
Previous authorities
Restore only the lines previously held; examination exemption is supported independently by C.R.S. 10-2-403(1)(a).
Residence
Colorado resident.
Waiver
Request waiver of continuation procedures and any examination requirement or fine; the commissioner decides the request case by case.

Official no-examination sources

Effective from 2026-09-22.

Incoming resident — previously licensed authorities
No examination is required for this applicant pathway.
Application
Submit a truthful and complete application and the prescribed fee, including requested supporting documents and screening disclosures.
Application window
Apply within 90 days after establishing legal residence under C.R.S. 10-2-403(1)(b.5).
Character
Competent, trustworthy, of good moral character and good business reputation; no disqualifying act under C.R.S. 10-2-801.
Controlled business
License must not be used for controlled business as defined by C.R.S. 10-2-401(4)-(5).
Exam score currency
Pearson handbook p. 4: passing scores are valid for one year; application must be received within one year after passing.
Implementation clearance
Regulation 1-2-10 Section 6.F.2 requires a clearance letter if the prior license expired less than one year ago and application within 90 days after cancellation.
Late implementation demand
Regulation 1-2-10 Section 6.F.2 states: 2. A producer moving to Colorado from another state must provide a letter of clearance from the previous state if the license has been expired for less than one (1) year, and must make application in Colorado within ninety (90) days of the cancellation of his or her previous license. Failure to make application within ninety (90) days of the cancellation of his or her previous license will require the producer to complete a new pre-licensing education course and take and pass the Colorado exam for the license type or lines of authority for which he or she is applying.
Minimum age
At least 18 years of age.
Previous license
Previously licensed in the former resident state for the same requested lines; establish Colorado residence.
Prior education
C.R.S. 10-2-202(1)(c) recognizes prelicensure education previously completed or satisfied in the former resident state.
Residence
Colorado resident.
Statutory clearance alternative
C.R.S. 10-2-402(1) exempts the written exam where licensed in the same lines during the prior 12 months and a clearance letter certifies good standing; this specific statutory exemption governs a conflicting lower-ranked reexamination demand.

Official no-examination sources

Effective from 2026-09-22.

Resident initial issuance — Casualty
CO Casualty Producer
Application
Submit a truthful and complete application and the prescribed fee, including requested supporting documents and screening disclosures.
Character
Competent, trustworthy, of good moral character and good business reputation; no disqualifying act under C.R.S. 10-2-801.
Completion assessment
Regulation 1-2-5 Section 6.B: approved self-study or classroom course final examination with at least 70%; this is a course-completion condition, not a separately identified licensing examination.
Controlled business
License must not be used for controlled business as defined by C.R.S. 10-2-401(4)-(5).
Course
Complete 50 hours of Division-approved prelicensing education for Property, Casualty, combined Property and Casualty, or Personal Lines, as applicable; three hours ethics, three general Colorado insurance law, four line-specific Colorado law.
Course currency
Prelicensing completion certificate must precede the licensing examination and is valid for one year.
Exam score currency
Pearson handbook p. 4: passing scores are valid for one year; application must be received within one year after passing.
Minimum age
At least 18 years of age.
Requested authority
Casualty
Residence
Colorado resident.
Resident initial issuance — Crop Hail
CO Crop (practice unavailable)
Application
Submit a truthful and complete application and the prescribed fee, including requested supporting documents and screening disclosures.
Character
Competent, trustworthy, of good moral character and good business reputation; no disqualifying act under C.R.S. 10-2-801.
Controlled business
License must not be used for controlled business as defined by C.R.S. 10-2-401(4)-(5).
Exam score currency
Pearson handbook p. 4: passing scores are valid for one year; application must be received within one year after passing.
Minimum age
At least 18 years of age.
Requested authority
Crop Hail
Residence
Colorado resident.
Resident initial issuance — Personal Lines
Personal Lines (practice unavailable)
Application
Submit a truthful and complete application and the prescribed fee, including requested supporting documents and screening disclosures.
Character
Competent, trustworthy, of good moral character and good business reputation; no disqualifying act under C.R.S. 10-2-801.
Completion assessment
Regulation 1-2-5 Section 6.B: approved self-study or classroom course final examination with at least 70%; this is a course-completion condition, not a separately identified licensing examination.
Controlled business
License must not be used for controlled business as defined by C.R.S. 10-2-401(4)-(5).
Course
Complete 50 hours of Division-approved prelicensing education for Property, Casualty, combined Property and Casualty, or Personal Lines, as applicable; three hours ethics, three general Colorado insurance law, four line-specific Colorado law.
Course currency
Prelicensing completion certificate must precede the licensing examination and is valid for one year.
Exam score currency
Pearson handbook p. 4: passing scores are valid for one year; application must be received within one year after passing.
Minimum age
At least 18 years of age.
Requested authority
Personal Lines
Residence
Colorado resident.
Resident initial issuance — Property
CO Property Producer (practice unavailable)
Application
Submit a truthful and complete application and the prescribed fee, including requested supporting documents and screening disclosures.
Character
Competent, trustworthy, of good moral character and good business reputation; no disqualifying act under C.R.S. 10-2-801.
Completion assessment
Regulation 1-2-5 Section 6.B: approved self-study or classroom course final examination with at least 70%; this is a course-completion condition, not a separately identified licensing examination.
Controlled business
License must not be used for controlled business as defined by C.R.S. 10-2-401(4)-(5).
Course
Complete 50 hours of Division-approved prelicensing education for Property, Casualty, combined Property and Casualty, or Personal Lines, as applicable; three hours ethics, three general Colorado insurance law, four line-specific Colorado law.
Course currency
Prelicensing completion certificate must precede the licensing examination and is valid for one year.
Exam score currency
Pearson handbook p. 4: passing scores are valid for one year; application must be received within one year after passing.
Minimum age
At least 18 years of age.
Requested authority
Property
Residence
Colorado resident.
Resident initial issuance — Property and Casualty

All of the following:

Application
Submit a truthful and complete application and the prescribed fee, including requested supporting documents and screening disclosures.
Character
Competent, trustworthy, of good moral character and good business reputation; no disqualifying act under C.R.S. 10-2-801.
Completion assessment
Regulation 1-2-5 Section 6.B: approved self-study or classroom course final examination with at least 70%; this is a course-completion condition, not a separately identified licensing examination.
Controlled business
License must not be used for controlled business as defined by C.R.S. 10-2-401(4)-(5).
Course
Complete 50 hours of Division-approved prelicensing education for Property, Casualty, combined Property and Casualty, or Personal Lines, as applicable; three hours ethics, three general Colorado insurance law, four line-specific Colorado law.
Course currency
Prelicensing completion certificate must precede the licensing examination and is valid for one year.
Exam score currency
Pearson handbook p. 4: passing scores are valid for one year; application must be received within one year after passing.
Minimum age
At least 18 years of age.
Requested authority
Property and Casualty
Residence
Colorado resident.
Resident initial issuance — Surplus Lines
CO Surplus Lines (practice unavailable)
Application
Submit a truthful and complete application and the prescribed fee, including requested supporting documents and screening disclosures.
Character
Competent, trustworthy, of good moral character and good business reputation; no disqualifying act under C.R.S. 10-2-801.
Controlled business
License must not be used for controlled business as defined by C.R.S. 10-2-401(4)-(5).
Exam score currency
Pearson handbook p. 4: passing scores are valid for one year; application must be received within one year after passing.
Existing license
Hold active Property and Casualty authority before applying for Surplus Lines (Pearson handbook p. 6).
Minimum age
At least 18 years of age.
Requested authority
Surplus Lines
Residence
Colorado resident.
Nonresident reciprocity
No examination is required for this applicant pathway.
Application
Submit the proper request, fees, current certification of license status and the home-state or uniform application under C.R.S. 10-2-502; status may be verified through the producer database.
Home license
Maintain a home-state license in good standing for the same requested property/casualty or related authorities; home state must grant reciprocal nonresident licenses.

Official no-examination sources

Effective from 2026-09-22.

Personal Lines authority based on existing Property and Casualty authority
No examination is required for this applicant pathway.
Application
Submit a truthful and complete application and the prescribed fee, including requested supporting documents and screening disclosures.
Character
Competent, trustworthy, of good moral character and good business reputation; no disqualifying act under C.R.S. 10-2-801.
Controlled business
License must not be used for controlled business as defined by C.R.S. 10-2-401(4)-(5).
Exam score currency
Pearson handbook p. 4: passing scores are valid for one year; application must be received within one year after passing.
Exemption
Pearson handbook p. 5 exempts Personal Lines applicants with both authorities from the Personal Lines examination; p. 4 exempts the prelicensing training.
Minimum age
At least 18 years of age.
Prior authorities
Hold both Property and Casualty authorities.
Residence
Colorado resident.

Official no-examination sources

Effective from 2026-09-22.

Resident reapplication after revocation or surrender to avoid discipline
No examination is required for this applicant pathway.
Application
Submit a truthful and complete application and the prescribed fee, including requested supporting documents and screening disclosures.
Board decision
New application remains subject to denial grounds, competence, trustworthiness and commissioner approval.
Character
Competent, trustworthy, of good moral character and good business reputation; no disqualifying act under C.R.S. 10-2-801.
Controlled business
License must not be used for controlled business as defined by C.R.S. 10-2-401(4)-(5).
Exam score currency
Pearson handbook p. 4: passing scores are valid for one year; application must be received within one year after passing.
Implementation reexamination
2. The producer may reinstate the license within one year from the expiration date of the license following the non-continuance. Failure to reinstate the license within that year will result in the additional requirement of completing a new pre-licensing education course (if required for the license type or line of authority) and re-examination for the license type or authorities being applied for.
Minimum age
At least 18 years of age.
Previous authorities
Request the same previously held lines; the resident prior-license examination exemption of C.R.S. 10-2-403(1)(a) applies.
Residence
Colorado resident.
Waiting period
Not eligible to apply for two years after the date of revocation or surrender/return of the license under C.R.S. 10-2-801(5).

Official no-examination sources

Effective from 2026-09-22.

Resident qualification based on a prior license for the same lines
No examination is required for this applicant pathway.
Application
Submit a truthful and complete application and the prescribed fee, including requested supporting documents and screening disclosures.
Character
Competent, trustworthy, of good moral character and good business reputation; no disqualifying act under C.R.S. 10-2-801.
Controlled business
License must not be used for controlled business as defined by C.R.S. 10-2-401(4)-(5).
Exam score currency
Pearson handbook p. 4: passing scores are valid for one year; application must be received within one year after passing.
Implementation demand
Pearson handbook p. 5 offers incoming-license and reinstatement exemptions within its stated 90-day/one-year windows; the wider resident statutory exemption governs while the page preserves these implementation demands.
Minimum age
At least 18 years of age.
Prior license
Previously licensed in Colorado or another jurisdiction for exactly the requested lines.
Residence
Colorado resident.
Statutory reading
C.R.S. 10-2-403(1)(a) states that this individual is not required to complete prelicensing education or examination; the current-license/12-month and good-standing restrictions in its following subclauses are expressly conditions for a nonresident applicant.

Official no-examination sources

Effective from 2026-09-22.

Resident reinstatement — after year
No examination is required for this applicant pathway.
Application
Submit a new electronic application and the initial license fee; required prior-cycle continuing education must be completed.
Character
Competent, trustworthy, of good moral character and good business reputation; no disqualifying act under C.R.S. 10-2-801.
Controlled business
License must not be used for controlled business as defined by C.R.S. 10-2-401(4)-(5).
Controlling exemption
C.R.S. 10-2-403(1)(a) exempts the previously licensed resident individual from examination for the same lines.
Exam score currency
Pearson handbook p. 4: passing scores are valid for one year; application must be received within one year after passing.
Implementation reexamination
Regulation 1-2-10 Section 6.C.2 states: 2. The producer may reinstate the license within one year from the expiration date of the license following the non-continuance. Failure to reinstate the license within that year will result in the additional requirement of completing a new pre-licensing education course (if required for the license type or line of authority) and re-examination for the license type or authorities being applied for.
Inactivity
Inactive for more than one year.
Minimum age
At least 18 years of age.
Previous authorities
Reinstatement of exactly the resident authorities previously held; any new authority follows its addition route.
Residence
Colorado resident.
Source precedence
The statutory exemption determines the requirement; the regulation's additional demand after one year is preserved here as an applicant-facing condition.

Official no-examination sources

Effective from 2026-09-22.

Resident reinstatement — within year
No examination is required for this applicant pathway.
Application
Submit a new electronic application and the initial license fee; required prior-cycle continuing education must be completed.
Character
Competent, trustworthy, of good moral character and good business reputation; no disqualifying act under C.R.S. 10-2-801.
Controlled business
License must not be used for controlled business as defined by C.R.S. 10-2-401(4)-(5).
Controlling exemption
C.R.S. 10-2-403(1)(a) exempts the previously licensed resident individual from examination for the same lines.
Exam score currency
Pearson handbook p. 4: passing scores are valid for one year; application must be received within one year after passing.
Implementation reexamination
Regulation 1-2-10 Section 6.C.2 states: 2. The producer may reinstate the license within one year from the expiration date of the license following the non-continuance. Failure to reinstate the license within that year will result in the additional requirement of completing a new pre-licensing education course (if required for the license type or line of authority) and re-examination for the license type or authorities being applied for.
Inactivity
Inactive for one year or less.
Minimum age
At least 18 years of age.
Previous authorities
Reinstatement of exactly the resident authorities previously held; any new authority follows its addition route.
Residence
Colorado resident.
Source precedence
The statutory exemption determines the requirement; the regulation's additional demand after one year is preserved here as an applicant-facing condition.

Official no-examination sources

Effective from 2026-09-22.

Concurrent Property, Casualty and Surplus Lines application

All of the following:

  • CO Property Producer (practice unavailable)
  • CO Casualty Producer
  • CO Surplus Lines (practice unavailable)
Application
Submit a truthful and complete application and the prescribed fee, including requested supporting documents and screening disclosures.
Character
Competent, trustworthy, of good moral character and good business reputation; no disqualifying act under C.R.S. 10-2-801.
Completion assessment
Regulation 1-2-5 Section 6.B: approved self-study or classroom course final examination with at least 70%; this is a course-completion condition, not a separately identified licensing examination.
Concurrent application
Pearson handbook p. 6 permits applying for Property and Casualty in conjunction with Surplus Lines.
Controlled business
License must not be used for controlled business as defined by C.R.S. 10-2-401(4)-(5).
Course
Complete 50 hours of Division-approved prelicensing education for Property, Casualty, combined Property and Casualty, or Personal Lines, as applicable; three hours ethics, three general Colorado insurance law, four line-specific Colorado law.
Course currency
Prelicensing completion certificate must precede the licensing examination and is valid for one year.
Exam score currency
Pearson handbook p. 4: passing scores are valid for one year; application must be received within one year after passing.
Minimum age
At least 18 years of age.
Requested authority
Property, Casualty and Surplus Lines applied for together.
Residence
Colorado resident.

CO Casualty Producer

Provider
Pearson VUE
Format
Written, computer-based casualty licensing examination; general knowledge and Colorado-specific content are portions of the registered Casualty (04) examination.
Exam questions
General knowledge: 50 scored plus 5 pretest questions, with section counts 23, 15 and 12. Colorado-specific content: 31 scoreable plus 5 pretest questions, with section counts 19, 4 and 8.
Time limit
2 hours
Passing score
Raw scores are converted to scaled scores from 0 to 100; the July 2026 handbook does not state a numeric passing threshold.
Exam fee
$41 for a test-centre examination session; candidates may take up to two examinations in that session.
Examination outline
  • General knowledge / I. TYPES OF POLICIES, BONDS, AND RELATED TERMS
    • 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 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. Businessowners Policy (BOP)
  • General knowledge / II. INSURANCE TERMS AND RELATED CONCEPTS
    • 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. POLICY PROVISIONS
    • 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)
  • Colorado specific / I. COLORADO STATUTES, RULES, AND REGULATIONS COMMON TO LIFE, SICKNESS AND ACCIDENT, PROPERTY (FIRE), AND CASUALTY INSURANCE
    • A. Insurance Commissioner
    • A. Insurance Commissioner / 1. Power and duties
    • A. Insurance Commissioner / 2. Hearings and penalties
    • A. Insurance Commissioner / 3. License suspension and revocation
    • A. Insurance Commissioner / 4. Records and requests for information
    • B. Licensing and producers’ legal responsibility
    • B. Licensing and producers’ legal responsibility / 1. Persons required to be licensed
    • B. Licensing and producers’ legal responsibility / 2. Surplus Lines
    • B. Licensing and producers’ legal responsibility / 3. Payment and acceptance of commissions/fees
    • B. Licensing and producers’ legal responsibility / 4. Fiduciary/commingling
    • B. Licensing and producers’ legal responsibility / 5. Pre-licensing and continuing education
    • B. Licensing and producers’ legal responsibility / 6. Unauthorized entities
    • C. Unfair competition and deceptive practices
    • C. Unfair competition and deceptive practices / 1. Coercion
    • C. Unfair competition and deceptive practices / 2. Misrepresentation
    • C. Unfair competition and deceptive practices / 3. Unfair discrimination
    • C. Unfair competition and deceptive practices / 4. Controlled business
    • C. Unfair competition and deceptive practices / 5. Defamation
    • C. Unfair competition and deceptive practices / 6. Rebates
    • C. Unfair competition and deceptive practices / 7. Unfair claims practices
    • C. Unfair competition and deceptive practices / 8. Colorado Fraud Statute
  • Colorado specific / II. COLORADO STATUTES, RULES, AND REGULATIONS COMMON TO PROPERTY AND CASUALTY INSURANCE ONLY
    • A. Rate regulations
    • B. Summary disclosure form
    • C. Commercial policy requirements
    • D. Use of Credit Information
  • Colorado specific / III. COLORADO STATUTES, RULES, AND REGULATIONS PERTINENT TO CASUALTY INSURANCE ONLY
    • A. Workers compensation
    • A. Workers compensation / 1. Who must be covered
    • A. Workers compensation / 2. Sources of coverages
    • A. Workers compensation / 3. Benefits
    • A. Workers compensation / 4. Claims procedures
    • B. Automobile insurance
    • B. Automobile insurance / 1. Cancellation/nonrenewal
    • B. Automobile insurance / 2. Excluded drivers
    • B. Automobile insurance / 3. Uninsured motorist/Underinsured motorist
    • B. Automobile insurance / 4. Financial responsibility
    • B. Automobile insurance / 5. Required Coverages
    • B. Automobile insurance / 6. Medical Payment Coverage
    • B. Automobile insurance / 7. Transportation Network Company
    • B. Automobile insurance / 8. Claims
    • C. Colorado Auto Insurance Plan
    • D. Bail Bonds
Examination sources

Personal Lines

Provider
Pearson VUE
Format
Written examination with general knowledge and Colorado-specific content
Exam questions
104 scored questions and 9 pretest questions: 75 scored plus 5 pretest general knowledge; 29 scored plus 4 pretest Colorado specific
Time limit
2 hours and 15 minutes
Examination outline
  • General Knowledge I. Types of Property Policies
    • 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. Inland marine
    • C. Inland marine / 1. Personal Articles floaters
    • D. National Flood Insurance Program
    • E. Others
    • E. Others / 1. Earthquake
    • E. Others / 2. Mobile Homes
    • E. Others / 3. Watercraft
    • E. Others / 4. Windstorm
  • General Knowledge II. Types of Casualty Policies
    • A. Automobile: personal auto
    • A. Automobile: personal auto / 1. Liability
    • A. Automobile: personal auto / 1. Liability / a. Bodily Injury
    • A. Automobile: personal auto / 1. Liability / b. Property Damage
    • A. Automobile: personal auto / 1. Liability / c. Split Limits
    • A. Automobile: personal auto / 1. Liability / d. Combined Single Limit
    • A. Automobile: personal auto / 2. Medical Payments
    • A. Automobile: personal auto / 3. Physical Damage (collision; other than collision; specified perils)
    • A. Automobile: personal auto / 4. Uninsured motorists
    • A. Automobile: personal auto / 5. Underinsured motorists
    • A. Automobile: personal auto / 6. Who is an insured
    • A. Automobile: personal auto / 7. Types of Auto
    • A. Automobile: personal auto / 7. Types of Auto / a. Owned
    • A. Automobile: personal auto / 7. Types of Auto / b. Non-owned
    • A. Automobile: personal auto / 7. Types of Auto / c. Hired
    • A. Automobile: personal auto / 7. Types of Auto / d. Temporary Substitute
    • A. Automobile: personal auto / 7. Types of Auto / e. Newly Acquired Autos
    • A. Automobile: personal auto / 7. Types of Auto / f. Transportation Expense and Rental Reimbursement Expense
    • A. Automobile: personal auto / 8. Exclusions
    • B. Umbrella/Excess liability
  • General Knowledge III. Property and Casualty Insurance Terms and Related Concepts
    • 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 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
    • V. Burglary, Robbery, Theft, and Mysterious Disappearance
    • W. Warranties
    • X. Representations
    • Y. Concealment
    • Z. Deposit Premium/Audit
    • AA. Certificate of Insurance
    • BB. Damages
    • BB. Damages / 1. Compensatory
    • BB. Damages / 1. Compensatory / a. General
    • BB. Damages / 1. Compensatory / b. Special
    • BB. Damages / 2. Punitive
    • CC. Compliance with Provisions of Fair Credit Reporting Act
  • General Knowledge IV. Property and Casualty Policy Provisions and Contract Law
    • A. Declarations
    • B. Insuring agreement
    • C. Conditions
    • D. Exclusions
    • E. Definition of the insured
    • F. Duties of the insured after a loss
    • 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. Sources of underwriting information
    • P. Fair Credit Reporting Act
    • Q. Privacy Protection (Gramm Leach Bliley)
    • R. Policy Application
    • S. Terrorism Risk Insurance Act (TRIA)
    • T. Cancellation and nonrenewal provisions
    • U. Supplementary payments
    • V. Loss settlement provisions including consent to settle a loss
    • W. Territory
  • Colorado Specific I. Colorado Statutes, Rules, and Regulations Common to Life, Sickness and Accident, Property (Fire), Casualty, and Personal Lines Insurance
    • A. Insurance Commissioner
    • A. Insurance Commissioner / 1. Power and duties
    • A. Insurance Commissioner / 2. Hearings and penalties
    • A. Insurance Commissioner / 3. License suspension and revocation
    • A. Insurance Commissioner / 4. Records and requests for information
    • B. Licensing and producers’ legal responsibility
    • B. Licensing and producers’ legal responsibility / 1. Persons required to be licensed
    • B. Licensing and producers’ legal responsibility / 2. Surplus Lines
    • B. Licensing and producers’ legal responsibility / 3. Payment and acceptance of commissions/fees
    • B. Licensing and producers’ legal responsibility / 4. Fiduciary/commingling
    • B. Licensing and producers’ legal responsibility / 5. Pre-licensing and continuing education
    • B. Licensing and producers’ legal responsibility / 6. Unauthorized entities
    • C. Unfair competition and deceptive practices
    • C. Unfair competition and deceptive practices / 1. Coercion
    • C. Unfair competition and deceptive practices / 2. Misrepresentation
    • C. Unfair competition and deceptive practices / 3. Unfair discrimination
    • C. Unfair competition and deceptive practices / 4. Controlled business
    • C. Unfair competition and deceptive practices / 5. Defamation
    • C. Unfair competition and deceptive practices / 6. Rebates
    • C. Unfair competition and deceptive practices / 7. Unfair claims practices
    • C. Unfair competition and deceptive practices / 8. Colorado Fraud Statute
  • Colorado Specific II. Colorado Statutes, Rules, and, Regulations, Common to Property, Casualty, and Personal Lines Insurance Only
    • A. Rate regulations
    • B. Summary disclosure form
    • C. Use of Credit Information
  • Colorado Specific III. Colorado Statutes, Rules, and Regulations Pertinent to Property Insurance Only
    • A. Fraudulent Claims and Arson Information Reporting Act
    • B. Insurance and loans secured by real property
    • C. Homeowners
    • C. Homeowners / 1. Cancellation/nonrenewal
    • C. Homeowners / 2. Required coverages
    • D. Availability of Fire Insurance
  • Colorado Specific IV. Colorado Statutes, Rules, and Regulations Pertinent to Casualty Insurance Only
    • A. Automobile insurance
    • A. Automobile insurance / 1. Cancellation/nonrenewal
    • A. Automobile insurance / 2. Excluded drivers
    • A. Automobile insurance / 3. Uninsured motorist/Underinsured motorist
    • A. Automobile insurance / 4. Financial responsibility
    • A. Automobile insurance / 5. Required coverages
    • A. Automobile insurance / 6. Medical Payment Coverage
    • A. Automobile insurance / 7. Transportation Network Company
    • A. Automobile insurance / 8. Claims
    • B. Colorado Auto Insurance Plan
Examination sources

CO Crop

Provider
Pearson
Format
Computer-based licensing examination
Exam questions
35 scored questions
Time limit
45 minutes
Exam fee
$41 per test-center examination session; up to two examinations may be scheduled for one fee
Examination outline
  • I. GENERAL INSURANCE TERMS AND CONCEPTS
    • A. Actual cash value
    • B. Assignment
    • C. Binder
    • D. Coinsurance
    • E. Hazard
    • F. Indemnity
    • G. Insurable interest
    • H. Insuring Agreement
    • I. Limits of Liability
    • J. Loss
    • J. Loss / 1. Direct
    • J. Loss / 2. Indirect
    • K. Negligence
    • L. Occurrence
    • M. Peril
    • N. Pro-rata liability
    • O. Risk
    • P. Subrogation
    • Q. Tort Law
    • R. Crop Hail organizations
    • S. Federal Acts
  • II. CROP INSURANCE
    • A. Policy rates
    • B. Coverages available
    • C. Policy provisions
    • C. Policy provisions / 1. NCIS general provisions
    • C. Policy provisions / 2. NCIS Special provisions
    • D. Liability
    • E. Claim Settlement Practices
    • E. Claim Settlement Practices / 1. Claims site assessment
    • E. Claim Settlement Practices / 1. Claims site assessment / a. Site testing
    • E. Claim Settlement Practices / 1. Claims site assessment / b. Standard measures
    • E. Claim Settlement Practices / 1. Claims site assessment / c. Location
    • E. Claim Settlement Practices / 2. Notice of loss
    • E. Claim Settlement Practices / 3. Insured’s duties
    • E. Claim Settlement Practices / 4. Agent’s duties
    • E. Claim Settlement Practices / 5. Percentage Plan
    • E. Claim Settlement Practices / 6. Arbitration and appraisal
    • E. Claim Settlement Practices / 7. Loss payment
    • F. Cancellation and nonrenewal
    • G. NCIS policies
  • III. MULTIPLE PERIL CROP INSURANCE
    • A. Fundamentals of Multiple Peril Crop Insurance (MPCI)
    • A. Fundamentals of Multiple Peril Crop Insurance (MPCI) / 1. Actual Production History (APH)
    • A. Fundamentals of Multiple Peril Crop Insurance (MPCI) / 2. Production Reporting
    • A. Fundamentals of Multiple Peril Crop Insurance (MPCI) / 3. Acreage Reporting
    • A. Fundamentals of Multiple Peril Crop Insurance (MPCI) / 4. Important Dates
    • A. Fundamentals of Multiple Peril Crop Insurance (MPCI) / 5. Written Agreements
    • A. Fundamentals of Multiple Peril Crop Insurance (MPCI) / 6. High Risk Land
    • A. Fundamentals of Multiple Peril Crop Insurance (MPCI) / 7. Actuarial Documents
    • A. Fundamentals of Multiple Peril Crop Insurance (MPCI) / 8. Insured Eligibility
    • A. Fundamentals of Multiple Peril Crop Insurance (MPCI) / 9. Units
    • A. Fundamentals of Multiple Peril Crop Insurance (MPCI) / 10. Coverage Levels
    • A. Fundamentals of Multiple Peril Crop Insurance (MPCI) / 11. Administrative Fees
    • A. Fundamentals of Multiple Peril Crop Insurance (MPCI) / 12. Life of the Policy
    • A. Fundamentals of Multiple Peril Crop Insurance (MPCI) / 13. Yield/Revenue Guarantees.
    • B. Plans of Insurance
    • B. Plans of Insurance / 1. Actual Production History (APH)
    • B. Plans of Insurance / 1. Actual Production History (APH) / a. Buy-up Coverage
    • B. Plans of Insurance / 1. Actual Production History (APH) / b. Catastrophic Risk Protection Endorsement (CAT)
    • B. Plans of Insurance / 2. Revenue Protection (RP)
    • B. Plans of Insurance / 3. Yield Protection (YP)
    • B. Plans of Insurance / 4. Income Protection (IP)
    • B. Plans of Insurance / 5. Group Risk Plan (GRP)
    • B. Plans of Insurance / 6. Group Risk Income Protection (GRIP)
    • B. Plans of Insurance / 7. Livestock Risk Protection (LRP)
    • B. Plans of Insurance / 8. Livestock Gross Margin (LGM)
    • C. Policy Provisions
    • C. Policy Provisions / 1. Common/Basic Provisions
    • C. Policy Provisions / 2. Coarse Grains Provisions
    • C. Policy Provisions / 2. Coarse Grains Provisions / a. Replant
    • C. Policy Provisions / 2. Coarse Grains Provisions / b. Prevented Planting
    • C. Policy Provisions / 2. Coarse Grains Provisions / c. Late Planting
    • C. Policy Provisions / 3. Catastrophic Risk Protection Coverage (CAT) Endorsement
    • D. Claims
    • D. Claims / 1. Covered Perils
    • D. Claims / 2. Loss Reporting Requirements
    • D. Claims / 3. Duties After a Loss
  • IV. COLORADO LAWS, RULES, AND REGULATIONS PERTINENT TO CROP INSURANCE
    • A. Insurance Commissioner
    • A. Insurance Commissioner / 1. Power and duties
    • A. Insurance Commissioner / 2. Hearings and penalties
    • A. Insurance Commissioner / 3. License suspension and revocation
    • A. Insurance Commissioner / 4. Records and requests for information
    • B. Licensing and producers’ legal responsibility
    • B. Licensing and producers’ legal responsibility / 1. Licensing requirements
    • B. Licensing and producers’ legal responsibility / 2. Fiduciary/commingling
    • C. Unfair competition and deceptive practices
    • C. Unfair competition and deceptive practices / 1. Coercion
    • C. Unfair competition and deceptive practices / 2. Misrepresentation
    • C. Unfair competition and deceptive practices / 3. Unfair discrimination
    • C. Unfair competition and deceptive practices / 4. Controlled business
    • C. Unfair competition and deceptive practices / 5. Defamation
    • C. Unfair competition and deceptive practices / 6. Rebates
    • C. Unfair competition and deceptive practices / 7. Unfair claims practices
    • C. Unfair competition and deceptive practices / 8. Colorado Fraud Statute
    • D. Colorado Crop Hail Insurance Law
    • D. Colorado Crop Hail Insurance Law / 1. Rate filings
Examination sources

CO Property Producer

Provider
Pearson
Format
Computer-based licensing examination
Exam questions
75 scored questions and 10 pretest questions (50 general knowledge; 25 Colorado specific)
Time limit
2 hours
Exam fee
$41 per test-center examination session; up to two examinations may be scheduled for one fee
Examination outline
  • General knowledge / I. TYPES OF POLICIES
    • 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. INSURANCE TERMS AND RELATED CONCEPTS
    • 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. POLICY PROVISIONS AND CONTRACT LAW
    • 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
  • Colorado specific / I. COLORADO STATUTES, RULES, AND REGULATIONS COMMON TO LIFE, SICKNESS AND ACCIDENT, PROPERTY (FIRE), AND CASUALTY INSURANCE
    • A. Insurance Commissioner
    • A. Insurance Commissioner / 1. Power and duties
    • A. Insurance Commissioner / 2. Hearings and penalties
    • A. Insurance Commissioner / 3. License suspension and revocation
    • A. Insurance Commissioner / 4. Records and requests for information
    • B. Licensing and producers’ legal responsibility
    • B. Licensing and producers’ legal responsibility / 1. Persons required to be licensed
    • B. Licensing and producers’ legal responsibility / 2. Surplus Lines
    • B. Licensing and producers’ legal responsibility / 3. Payment and acceptance of commissions/fees
    • B. Licensing and producers’ legal responsibility / 4. Fiduciary/commingling
    • B. Licensing and producers’ legal responsibility / 5. Pre-licensing and continuing education
    • B. Licensing and producers’ legal responsibility / 6. Unauthorized entities
    • C. Unfair competition and deceptive practices
    • C. Unfair competition and deceptive practices / 1. Coercion
    • C. Unfair competition and deceptive practices / 2. Misrepresentation
    • C. Unfair competition and deceptive practices / 3. Unfair discrimination
    • C. Unfair competition and deceptive practices / 4. Controlled business
    • C. Unfair competition and deceptive practices / 5. Defamation
    • C. Unfair competition and deceptive practices / 6. Rebates
    • C. Unfair competition and deceptive practices / 7. Unfair claims practices
    • C. Unfair competition and deceptive practices / 8. Colorado Fraud Statute
  • Colorado specific / II. COLORADO STATUTES, RULES, AND, REGULATIONS COMMON TO PROPERTY AND CASUALTY INSURANCE ONLY
    • A. Rate regulations
    • A. Rate regulations / 1. Prohibited changes in rates or coverages
    • B. Summary disclosure form
    • C. Commercial policy requirements
    • D. Use of Credit Information
  • Colorado specific / III. COLORADO STATUTES, RULES, AND REGULATIONS PERTINENT TO PROPERTY INSURANCE ONLY
    • A. Fraudulent Claims and Arson Information Reporting Act
    • B. Insurance and loans secured by real property
    • C. Homeowners Cancellation and Nonrenewal
    • D. Availability of Fire Insurance
Examination sources

CO Surplus Lines

Provider
Pearson
Format
Computer-based licensing examination
Exam questions
35 scored questions
Time limit
45 minutes
Exam fee
$41 per test-center examination session; up to two examinations may be scheduled for one fee
Examination outline
  • I. COLORADO SURPLUS LINES STATUTES AND REGULATIONS
    • A. Purpose of Surplus Lines Regulation
    • B. Definitions
    • C. Qualifications for Surplus Lines Insurers
    • C. Qualifications for Surplus Lines Insurers / 1. Syndicates
    • C. Qualifications for Surplus Lines Insurers / 2. Alien
    • C. Qualifications for Surplus Lines Insurers / 3. Foreign
    • C. Qualifications for Surplus Lines Insurers / 4. Lloyd’s
    • C. Qualifications for Surplus Lines Insurers / 5. Non-admitted Surplus Lines Insurers
    • C. Qualifications for Surplus Lines Insurers / 5. Non-admitted Surplus Lines Insurers / a. Approved List
    • D. Courtesy Filings
    • E. Exemptions
    • F. Conditions/Procurement
    • G. Disclosures
    • H. Affidavit
    • I. Endorsement
    • J. Premium Rates
    • K. Premium Tax
    • K. Premium Tax / 1. Acceptable premium tax reporting forms and procedures
    • L. Annual Statement
    • M. Records
    • N. Penalties
Examination sources