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Delaware Property & Casualty Insurance — Requirements & Free Practice

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Insurance Producer

Individual insurance producer license, researched for property, casualty, and the restricted personal-lines property-and-casualty qualification under § 1707(a)(3), (4), and (6). Agents, brokers, and consultants use the producer identity under § 1702(9).

Licensing authority: Delaware Department of Insurance / Insurance Commissioner · Application information

Add authority to an existing resident producer license — Casualty authority only
DE Casualty Producer
Application
Submit the Uniform Application electronically through NIPR, truthfully and completely, and pay the $125 producer application fee.
Assessment boundary
Each named producer examination includes its general and Delaware-law portions; the separate portion retake rule does not create a second examination identity.
Criminal history
Resident applicants must submit fingerprints for state and FBI criminal-history reports; the Department’s licensing procedures require reports dated within 90 days of receipt.
Exemptions
The same-line prior-license exemptions apply when their statutory conditions are met.
Existing producer
Already hold a Delaware resident producer license; seek an additional line or expanded coverage rather than a new license identity.
Fitness
Must not have committed grounds for denial, suspension, or revocation under § 1712.
Minimum age
At least 18 years old under § 1706(a)(1).
Prelicensing education
No specific prelicensing education program is required by Delaware.
Requested authority
Casualty authority only
Resident eligibility
Reside in Delaware, or work for an insurance business entity licensed in Delaware with a physical location open to the public; registered-agent services and a Delaware postal box do not establish this qualification.
Score validity
§ 1705(e): all examination score reports are valid for 12 months from the examination date. The handbook additionally requires both examination portions to be passed within one year of each other.
Add authority to an existing resident producer license — Personal lines: property and casualty coverage for individuals and families for noncommercial purposes
Delaware Personal Lines Insurance Producer Examination
Application
Submit the Uniform Application electronically through NIPR, truthfully and completely, and pay the $125 producer application fee.
Assessment boundary
Each named producer examination includes its general and Delaware-law portions; the separate portion retake rule does not create a second examination identity.
Criminal history
Resident applicants must submit fingerprints for state and FBI criminal-history reports; the Department’s licensing procedures require reports dated within 90 days of receipt.
Exemptions
The same-line prior-license exemptions apply when their statutory conditions are met.
Existing producer
Already hold a Delaware resident producer license; seek an additional line or expanded coverage rather than a new license identity.
Fitness
Must not have committed grounds for denial, suspension, or revocation under § 1712.
Minimum age
At least 18 years old under § 1706(a)(1).
Prelicensing education
No specific prelicensing education program is required by Delaware.
Requested authority
Personal lines: property and casualty coverage for individuals and families for noncommercial purposes
Resident eligibility
Reside in Delaware, or work for an insurance business entity licensed in Delaware with a physical location open to the public; registered-agent services and a Delaware postal box do not establish this qualification.
Score validity
§ 1705(e): all examination score reports are valid for 12 months from the examination date. The handbook additionally requires both examination portions to be passed within one year of each other.
Add authority to an existing resident producer license — Property authority only
DE Property Producer (practice unavailable)
Application
Submit the Uniform Application electronically through NIPR, truthfully and completely, and pay the $125 producer application fee.
Assessment boundary
Each named producer examination includes its general and Delaware-law portions; the separate portion retake rule does not create a second examination identity.
Criminal history
Resident applicants must submit fingerprints for state and FBI criminal-history reports; the Department’s licensing procedures require reports dated within 90 days of receipt.
Exemptions
The same-line prior-license exemptions apply when their statutory conditions are met.
Existing producer
Already hold a Delaware resident producer license; seek an additional line or expanded coverage rather than a new license identity.
Fitness
Must not have committed grounds for denial, suspension, or revocation under § 1712.
Minimum age
At least 18 years old under § 1706(a)(1).
Prelicensing education
No specific prelicensing education program is required by Delaware.
Requested authority
Property authority only
Resident eligibility
Reside in Delaware, or work for an insurance business entity licensed in Delaware with a physical location open to the public; registered-agent services and a Delaware postal box do not establish this qualification.
Score validity
§ 1705(e): all examination score reports are valid for 12 months from the examination date. The handbook additionally requires both examination portions to be passed within one year of each other.
Add authority to an existing resident producer license — Both property and casualty authorities

All of the following:

Application
Submit the Uniform Application electronically through NIPR, truthfully and completely, and pay the $125 producer application fee.
Assessment boundary
Each named producer examination includes its general and Delaware-law portions; the separate portion retake rule does not create a second examination identity.
Criminal history
Resident applicants must submit fingerprints for state and FBI criminal-history reports; the Department’s licensing procedures require reports dated within 90 days of receipt.
Exemptions
The same-line prior-license exemptions apply when their statutory conditions are met.
Existing producer
Already hold a Delaware resident producer license; seek an additional line or expanded coverage rather than a new license identity.
Fitness
Must not have committed grounds for denial, suspension, or revocation under § 1712.
Minimum age
At least 18 years old under § 1706(a)(1).
Prelicensing education
No specific prelicensing education program is required by Delaware.
Requested authority
Both property and casualty authorities
Resident eligibility
Reside in Delaware, or work for an insurance business entity licensed in Delaware with a physical location open to the public; registered-agent services and a Delaware postal box do not establish this qualification.
Score validity
§ 1705(e): all examination score reports are valid for 12 months from the examination date. The handbook additionally requires both examination portions to be passed within one year of each other.
Convert an existing Delaware nonresident license after moving to Delaware
No examination is required for this applicant pathway.
Existing license
Already hold the corresponding Delaware nonresident producer qualification.
Notification
Notify the Department of the address and residency change within 30 days after moving; only existing lines are covered.

Official no-examination sources

Effective from 2026-09-22.

Reapply after renewal lapse within 12 months
No examination is required for this applicant pathway.
Education
Provide evidence of all continuing-education requirements for the relevant renewal period.
Penalties
Double the unpaid renewal fee within the first 6 months; a $200–$1,000 civil fine may apply in the second 6-month grace period.
Time window
Reapply for the same license within 12 months after the applicable renewal-fee or education deadline.

Official no-examination sources

Effective from 2026-09-22.

Late renewal with a request for discretionary relief — Casualty authority only
DE Casualty Producer
Application
Submit the Uniform Application electronically through NIPR, truthfully and completely, and pay the $125 producer application fee.
Assessment boundary
Each named producer examination includes its general and Delaware-law portions; the separate portion retake rule does not create a second examination identity.
Criminal history
Resident applicants must submit fingerprints for state and FBI criminal-history reports; the Department’s licensing procedures require reports dated within 90 days of receipt.
Fitness
Must not have committed grounds for denial, suspension, or revocation under § 1712.
Minimum age
At least 18 years old under § 1706(a)(1).
Prelicensing education
No specific prelicensing education program is required by Delaware.
Renewal failure
Unable to comply with renewal procedures because of military service, long-term medical disability, or another extenuating circumstance.
Requested authority
Casualty authority only
Resident eligibility
Reside in Delaware, or work for an insurance business entity licensed in Delaware with a physical location open to the public; registered-agent services and a Delaware postal box do not establish this qualification.
Score validity
§ 1705(e): all examination score reports are valid for 12 months from the examination date. The handbook additionally requires both examination portions to be passed within one year of each other.
Waiver discretion
May request waiver of renewal procedures, examination requirements, fines, or sanctions under § 1707(h); the examination remains identified for applicants whose waiver is not granted.
Late renewal with a request for discretionary relief — Personal lines: property and casualty coverage for individuals and families for noncommercial purposes
Delaware Personal Lines Insurance Producer Examination
Application
Submit the Uniform Application electronically through NIPR, truthfully and completely, and pay the $125 producer application fee.
Assessment boundary
Each named producer examination includes its general and Delaware-law portions; the separate portion retake rule does not create a second examination identity.
Criminal history
Resident applicants must submit fingerprints for state and FBI criminal-history reports; the Department’s licensing procedures require reports dated within 90 days of receipt.
Fitness
Must not have committed grounds for denial, suspension, or revocation under § 1712.
Minimum age
At least 18 years old under § 1706(a)(1).
Prelicensing education
No specific prelicensing education program is required by Delaware.
Renewal failure
Unable to comply with renewal procedures because of military service, long-term medical disability, or another extenuating circumstance.
Requested authority
Personal lines: property and casualty coverage for individuals and families for noncommercial purposes
Resident eligibility
Reside in Delaware, or work for an insurance business entity licensed in Delaware with a physical location open to the public; registered-agent services and a Delaware postal box do not establish this qualification.
Score validity
§ 1705(e): all examination score reports are valid for 12 months from the examination date. The handbook additionally requires both examination portions to be passed within one year of each other.
Waiver discretion
May request waiver of renewal procedures, examination requirements, fines, or sanctions under § 1707(h); the examination remains identified for applicants whose waiver is not granted.
Late renewal with a request for discretionary relief — Property authority only
DE Property Producer (practice unavailable)
Application
Submit the Uniform Application electronically through NIPR, truthfully and completely, and pay the $125 producer application fee.
Assessment boundary
Each named producer examination includes its general and Delaware-law portions; the separate portion retake rule does not create a second examination identity.
Criminal history
Resident applicants must submit fingerprints for state and FBI criminal-history reports; the Department’s licensing procedures require reports dated within 90 days of receipt.
Fitness
Must not have committed grounds for denial, suspension, or revocation under § 1712.
Minimum age
At least 18 years old under § 1706(a)(1).
Prelicensing education
No specific prelicensing education program is required by Delaware.
Renewal failure
Unable to comply with renewal procedures because of military service, long-term medical disability, or another extenuating circumstance.
Requested authority
Property authority only
Resident eligibility
Reside in Delaware, or work for an insurance business entity licensed in Delaware with a physical location open to the public; registered-agent services and a Delaware postal box do not establish this qualification.
Score validity
§ 1705(e): all examination score reports are valid for 12 months from the examination date. The handbook additionally requires both examination portions to be passed within one year of each other.
Waiver discretion
May request waiver of renewal procedures, examination requirements, fines, or sanctions under § 1707(h); the examination remains identified for applicants whose waiver is not granted.
Late renewal with a request for discretionary relief — Both property and casualty authorities

All of the following:

Application
Submit the Uniform Application electronically through NIPR, truthfully and completely, and pay the $125 producer application fee.
Assessment boundary
Each named producer examination includes its general and Delaware-law portions; the separate portion retake rule does not create a second examination identity.
Criminal history
Resident applicants must submit fingerprints for state and FBI criminal-history reports; the Department’s licensing procedures require reports dated within 90 days of receipt.
Fitness
Must not have committed grounds for denial, suspension, or revocation under § 1712.
Minimum age
At least 18 years old under § 1706(a)(1).
Prelicensing education
No specific prelicensing education program is required by Delaware.
Renewal failure
Unable to comply with renewal procedures because of military service, long-term medical disability, or another extenuating circumstance.
Requested authority
Both property and casualty authorities
Resident eligibility
Reside in Delaware, or work for an insurance business entity licensed in Delaware with a physical location open to the public; registered-agent services and a Delaware postal box do not establish this qualification.
Score validity
§ 1705(e): all examination score reports are valid for 12 months from the examination date. The handbook additionally requires both examination portions to be passed within one year of each other.
Waiver discretion
May request waiver of renewal procedures, examination requirements, fines, or sanctions under § 1707(h); the examination remains identified for applicants whose waiver is not granted.
Resident reinstatement after at least 12 months — Casualty authority only
DE Casualty Producer
Application
Submit the Uniform Application electronically through NIPR, truthfully and completely, and pay the $125 producer application fee.
Assessment boundary
Each named producer examination includes its general and Delaware-law portions; the separate portion retake rule does not create a second examination identity.
Criminal history
Resident applicants must submit fingerprints for state and FBI criminal-history reports; the Department’s licensing procedures require reports dated within 90 days of receipt.
Disciplinary limit
§ 1712(g) bars relicensure after revocation or suspension on two occasions; other denial and reinstatement conditions still apply.
Education
Reinstated licensees receive no newly licensed biennium education waiver under Regulation 504 § 8.4.
Fitness
Must not have committed grounds for denial, suspension, or revocation under § 1712.
Minimum age
At least 18 years old under § 1706(a)(1).
Prelicensing education
No specific prelicensing education program is required by Delaware.
Prior license
Resident producer license canceled, suspended, or revoked for 12 months or more; complete all licensing requirements and retake exams for the requested lines. Revocation has a minimum 12-month period.
Requested authority
Casualty authority only
Resident eligibility
Reside in Delaware, or work for an insurance business entity licensed in Delaware with a physical location open to the public; registered-agent services and a Delaware postal box do not establish this qualification.
Score validity
§ 1705(e): all examination score reports are valid for 12 months from the examination date. The handbook additionally requires both examination portions to be passed within one year of each other.
Resident reinstatement after at least 12 months — Personal lines: property and casualty coverage for individuals and families for noncommercial purposes
Delaware Personal Lines Insurance Producer Examination
Application
Submit the Uniform Application electronically through NIPR, truthfully and completely, and pay the $125 producer application fee.
Assessment boundary
Each named producer examination includes its general and Delaware-law portions; the separate portion retake rule does not create a second examination identity.
Criminal history
Resident applicants must submit fingerprints for state and FBI criminal-history reports; the Department’s licensing procedures require reports dated within 90 days of receipt.
Disciplinary limit
§ 1712(g) bars relicensure after revocation or suspension on two occasions; other denial and reinstatement conditions still apply.
Education
Reinstated licensees receive no newly licensed biennium education waiver under Regulation 504 § 8.4.
Fitness
Must not have committed grounds for denial, suspension, or revocation under § 1712.
Minimum age
At least 18 years old under § 1706(a)(1).
Prelicensing education
No specific prelicensing education program is required by Delaware.
Prior license
Resident producer license canceled, suspended, or revoked for 12 months or more; complete all licensing requirements and retake exams for the requested lines. Revocation has a minimum 12-month period.
Requested authority
Personal lines: property and casualty coverage for individuals and families for noncommercial purposes
Resident eligibility
Reside in Delaware, or work for an insurance business entity licensed in Delaware with a physical location open to the public; registered-agent services and a Delaware postal box do not establish this qualification.
Score validity
§ 1705(e): all examination score reports are valid for 12 months from the examination date. The handbook additionally requires both examination portions to be passed within one year of each other.
Resident reinstatement after at least 12 months — Property authority only
DE Property Producer (practice unavailable)
Application
Submit the Uniform Application electronically through NIPR, truthfully and completely, and pay the $125 producer application fee.
Assessment boundary
Each named producer examination includes its general and Delaware-law portions; the separate portion retake rule does not create a second examination identity.
Criminal history
Resident applicants must submit fingerprints for state and FBI criminal-history reports; the Department’s licensing procedures require reports dated within 90 days of receipt.
Disciplinary limit
§ 1712(g) bars relicensure after revocation or suspension on two occasions; other denial and reinstatement conditions still apply.
Education
Reinstated licensees receive no newly licensed biennium education waiver under Regulation 504 § 8.4.
Fitness
Must not have committed grounds for denial, suspension, or revocation under § 1712.
Minimum age
At least 18 years old under § 1706(a)(1).
Prelicensing education
No specific prelicensing education program is required by Delaware.
Prior license
Resident producer license canceled, suspended, or revoked for 12 months or more; complete all licensing requirements and retake exams for the requested lines. Revocation has a minimum 12-month period.
Requested authority
Property authority only
Resident eligibility
Reside in Delaware, or work for an insurance business entity licensed in Delaware with a physical location open to the public; registered-agent services and a Delaware postal box do not establish this qualification.
Score validity
§ 1705(e): all examination score reports are valid for 12 months from the examination date. The handbook additionally requires both examination portions to be passed within one year of each other.
Resident reinstatement after at least 12 months — Both property and casualty authorities

All of the following:

Application
Submit the Uniform Application electronically through NIPR, truthfully and completely, and pay the $125 producer application fee.
Assessment boundary
Each named producer examination includes its general and Delaware-law portions; the separate portion retake rule does not create a second examination identity.
Criminal history
Resident applicants must submit fingerprints for state and FBI criminal-history reports; the Department’s licensing procedures require reports dated within 90 days of receipt.
Disciplinary limit
§ 1712(g) bars relicensure after revocation or suspension on two occasions; other denial and reinstatement conditions still apply.
Education
Reinstated licensees receive no newly licensed biennium education waiver under Regulation 504 § 8.4.
Fitness
Must not have committed grounds for denial, suspension, or revocation under § 1712.
Minimum age
At least 18 years old under § 1706(a)(1).
Prelicensing education
No specific prelicensing education program is required by Delaware.
Prior license
Resident producer license canceled, suspended, or revoked for 12 months or more; complete all licensing requirements and retake exams for the requested lines. Revocation has a minimum 12-month period.
Requested authority
Both property and casualty authorities
Resident eligibility
Reside in Delaware, or work for an insurance business entity licensed in Delaware with a physical location open to the public; registered-agent services and a Delaware postal box do not establish this qualification.
Score validity
§ 1705(e): all examination score reports are valid for 12 months from the examination date. The handbook additionally requires both examination portions to be passed within one year of each other.
Nonresident ordinary producer renewal
No examination is required for this applicant pathway.
Continuing education
For residents, 24 hours per biennium including 3 ethics hours, subject to Regulation 504 credits and exemptions; flood writers need 2 flood-insurance hours. Nonresidents satisfy reciprocal home-state continuing education requirements.
License status
Maintain the same authorized line or lines without revocation or suspension.
Renewal
Submit renewal and fees electronically through NIPR; resident licenses renew by the last day of February in even years, nonresident licenses in odd years.

Official no-examination sources

Effective from 2026-09-22.

Nonresident licensure by reciprocity
No examination is required for this applicant pathway.
Application
Submit the proper request, Uniform Application or home-state application, and applicable fees; Delaware may verify good standing electronically.
Home state license
Hold a current resident producer license in good standing for the requested property, casualty, or personal-lines authority.
Reciprocity
The home state must award nonresident licenses to Delaware residents on the same basis.

Official no-examination sources

Effective from 2026-09-22.

Resident initial licensure by examination — Casualty authority only
DE Casualty Producer
Application
Submit the Uniform Application electronically through NIPR, truthfully and completely, and pay the $125 producer application fee.
Assessment boundary
Each named producer examination includes its general and Delaware-law portions; the separate portion retake rule does not create a second examination identity.
Criminal history
Resident applicants must submit fingerprints for state and FBI criminal-history reports; the Department’s licensing procedures require reports dated within 90 days of receipt.
Fitness
Must not have committed grounds for denial, suspension, or revocation under § 1712.
Minimum age
At least 18 years old under § 1706(a)(1).
Prelicensing education
No specific prelicensing education program is required by Delaware.
Requested authority
Casualty authority only
Resident eligibility
Reside in Delaware, or work for an insurance business entity licensed in Delaware with a physical location open to the public; registered-agent services and a Delaware postal box do not establish this qualification.
Score validity
§ 1705(e): all examination score reports are valid for 12 months from the examination date. The handbook additionally requires both examination portions to be passed within one year of each other.
Resident initial licensure by examination — Personal lines: property and casualty coverage for individuals and families for noncommercial purposes
Delaware Personal Lines Insurance Producer Examination
Application
Submit the Uniform Application electronically through NIPR, truthfully and completely, and pay the $125 producer application fee.
Assessment boundary
Each named producer examination includes its general and Delaware-law portions; the separate portion retake rule does not create a second examination identity.
Criminal history
Resident applicants must submit fingerprints for state and FBI criminal-history reports; the Department’s licensing procedures require reports dated within 90 days of receipt.
Fitness
Must not have committed grounds for denial, suspension, or revocation under § 1712.
Minimum age
At least 18 years old under § 1706(a)(1).
Prelicensing education
No specific prelicensing education program is required by Delaware.
Requested authority
Personal lines: property and casualty coverage for individuals and families for noncommercial purposes
Resident eligibility
Reside in Delaware, or work for an insurance business entity licensed in Delaware with a physical location open to the public; registered-agent services and a Delaware postal box do not establish this qualification.
Score validity
§ 1705(e): all examination score reports are valid for 12 months from the examination date. The handbook additionally requires both examination portions to be passed within one year of each other.
Resident initial licensure by examination — Property authority only
DE Property Producer (practice unavailable)
Application
Submit the Uniform Application electronically through NIPR, truthfully and completely, and pay the $125 producer application fee.
Assessment boundary
Each named producer examination includes its general and Delaware-law portions; the separate portion retake rule does not create a second examination identity.
Criminal history
Resident applicants must submit fingerprints for state and FBI criminal-history reports; the Department’s licensing procedures require reports dated within 90 days of receipt.
Fitness
Must not have committed grounds for denial, suspension, or revocation under § 1712.
Minimum age
At least 18 years old under § 1706(a)(1).
Prelicensing education
No specific prelicensing education program is required by Delaware.
Requested authority
Property authority only
Resident eligibility
Reside in Delaware, or work for an insurance business entity licensed in Delaware with a physical location open to the public; registered-agent services and a Delaware postal box do not establish this qualification.
Score validity
§ 1705(e): all examination score reports are valid for 12 months from the examination date. The handbook additionally requires both examination portions to be passed within one year of each other.
Resident initial licensure by examination — Both property and casualty authorities

All of the following:

Application
Submit the Uniform Application electronically through NIPR, truthfully and completely, and pay the $125 producer application fee.
Assessment boundary
Each named producer examination includes its general and Delaware-law portions; the separate portion retake rule does not create a second examination identity.
Criminal history
Resident applicants must submit fingerprints for state and FBI criminal-history reports; the Department’s licensing procedures require reports dated within 90 days of receipt.
Fitness
Must not have committed grounds for denial, suspension, or revocation under § 1712.
Minimum age
At least 18 years old under § 1706(a)(1).
Prelicensing education
No specific prelicensing education program is required by Delaware.
Requested authority
Both property and casualty authorities
Resident eligibility
Reside in Delaware, or work for an insurance business entity licensed in Delaware with a physical location open to the public; registered-agent services and a Delaware postal box do not establish this qualification.
Score validity
§ 1705(e): all examination score reports are valid for 12 months from the examination date. The handbook additionally requires both examination portions to be passed within one year of each other.
Resident ordinary producer renewal
No examination is required for this applicant pathway.
Continuing education
For residents, 24 hours per biennium including 3 ethics hours, subject to Regulation 504 credits and exemptions; flood writers need 2 flood-insurance hours. Nonresidents satisfy reciprocal home-state continuing education requirements.
License status
Maintain the same authorized line or lines without revocation or suspension.
Renewal
Submit renewal and fees electronically through NIPR; resident licenses renew by the last day of February in even years, nonresident licenses in odd years.

Official no-examination sources

Effective from 2026-09-22.

Resident licensure with prior same line license exemption
No examination is required for this applicant pathway.
License status
Currently licensed there, or application received within 90 days after cancellation with certification or Producer Database evidence of good standing.
Prior authority
Previously licensed for the same requested line or lines in another state.
Remaining requirements
Meet the remaining § 1706 resident qualifications, application, fees, and criminal-history requirements.

Official no-examination sources

Effective from 2026-09-22.

Relocation to Delaware with prior same line license
No examination is required for this applicant pathway.
Additional authority
Additional lines may require the respective Delaware examination.
Qualification
The Commissioner may determine otherwise by regulation; the Department FAQ confirms no Delaware exams for the same lines when the prior license is terminated within the described 90-day application window.
Relocation
Apply within 90 days after establishing Delaware legal residence for previously held lines of authority.
Remaining requirements
Submit the resident application and satisfy remaining § 1706 requirements.

Official no-examination sources

Effective from 2026-09-22.

Restore a suspended producer license before a 12 month retesting threshold
No examination is required for this applicant pathway.
Discretion
§ 1712(e) allows the Commissioner to impose case-specific reinstatement terms.
Education cure
For a continuing-education suspension, complete education in arrears and pay imposed administrative fines.
Suspension
Restore the existing license after completion of suspension terms; this route excludes a suspension lasting 12 months or longer.

Official no-examination sources

Effective from 2026-09-22.

Surplus Lines Broker

Specialty surplus-lines license researched for property, casualty, and personal-lines authority, requiring the corresponding active producer qualification.

Licensing authority: Delaware Department of Insurance / Insurance Commissioner · Application information

Reapply for the same individual surplus lines license within 12 months after lapse
No examination is required for this applicant pathway.
Education and penalties
Satisfy overdue continuing education and the grace-period fee or civil-fine requirements.
Producer prerequisite
Keep or restore corresponding active producer authority.
Time window
§ 1920(f) applies Chapter 17, including § 1707(g), to this license and licensee; reapply for the same license within 12 months.

Official no-examination sources

Effective from 2026-09-22.

Resident surplus lines reinstatement after at least 12 months — Casualty authority only
DE Casualty Producer
Application and fitness
Comply with § 1706 licensing qualifications, Commissioner fitness determination under § 1920, criminal-history and applicable fee requirements.
Education
No newly licensed biennium education waiver for reinstatement under Regulation 504 § 8.4.
Prior license
Resident surplus-lines license interrupted by cancellation, suspension, or revocation for at least 12 months; Regulation 504 § 8.4 requires retaking exams for lines under which the individual proposes to transact insurance.
Producer prerequisite
Restore or maintain an active producer qualification for the requested lines.
Requested authority
Casualty authority only
Resident surplus lines reinstatement after at least 12 months — Personal lines: property and casualty coverage for individuals and families for noncommercial purposes
Delaware Personal Lines Insurance Producer Examination
Application and fitness
Comply with § 1706 licensing qualifications, Commissioner fitness determination under § 1920, criminal-history and applicable fee requirements.
Education
No newly licensed biennium education waiver for reinstatement under Regulation 504 § 8.4.
Prior license
Resident surplus-lines license interrupted by cancellation, suspension, or revocation for at least 12 months; Regulation 504 § 8.4 requires retaking exams for lines under which the individual proposes to transact insurance.
Producer prerequisite
Restore or maintain an active producer qualification for the requested lines.
Requested authority
Personal lines: property and casualty coverage for individuals and families for noncommercial purposes
Resident surplus lines reinstatement after at least 12 months — Property authority only
DE Property Producer (practice unavailable)
Application and fitness
Comply with § 1706 licensing qualifications, Commissioner fitness determination under § 1920, criminal-history and applicable fee requirements.
Education
No newly licensed biennium education waiver for reinstatement under Regulation 504 § 8.4.
Prior license
Resident surplus-lines license interrupted by cancellation, suspension, or revocation for at least 12 months; Regulation 504 § 8.4 requires retaking exams for lines under which the individual proposes to transact insurance.
Producer prerequisite
Restore or maintain an active producer qualification for the requested lines.
Requested authority
Property authority only
Resident surplus lines reinstatement after at least 12 months — Both property and casualty authorities

All of the following:

Application and fitness
Comply with § 1706 licensing qualifications, Commissioner fitness determination under § 1920, criminal-history and applicable fee requirements.
Education
No newly licensed biennium education waiver for reinstatement under Regulation 504 § 8.4.
Prior license
Resident surplus-lines license interrupted by cancellation, suspension, or revocation for at least 12 months; Regulation 504 § 8.4 requires retaking exams for lines under which the individual proposes to transact insurance.
Producer prerequisite
Restore or maintain an active producer qualification for the requested lines.
Requested authority
Both property and casualty authorities
Nonresident surplus lines broker licensure
No examination is required for this applicant pathway.
Application
Apply using the designated forms through NIPR and pay the $275 application fee.
Fitness
The Commissioner must deem the applicant competent and trustworthy in handling surplus lines.
Nonresident reciprocity
Nonresidents holding home-state surplus-lines authority use § 1708(a) and (d) reciprocity.
Producer prerequisite
Already hold an active producer license for each requested property, casualty, or personal-lines authority.

Official no-examination sources

Effective from 2026-09-22.

Nonresident surplus lines broker renewal
No examination is required for this applicant pathway.
Continuing education
Resident surplus-lines brokers are within Regulation 504’s continuing-education scope; nonresident home-state education reciprocity applies.
Renewal
Maintain the underlying producer license and renew through NIPR in the applicable resident even-year or nonresident odd-year cycle; individual surplus-lines renewal fee is $275.

Official no-examination sources

Effective from 2026-09-22.

Resident surplus lines broker licensure
No examination is required for this applicant pathway.
Application
Apply using the designated forms through NIPR and pay the $275 application fee.
Fitness
The Commissioner must deem the applicant competent and trustworthy in handling surplus lines.
Nonresident reciprocity
Resident producer prerequisite; the current licensing procedures list no separate surplus-lines examination.
Producer prerequisite
Already hold an active producer license for each requested property, casualty, or personal-lines authority.

Official no-examination sources

Effective from 2026-09-22.

Resident surplus lines broker renewal
No examination is required for this applicant pathway.
Continuing education
Resident surplus-lines brokers are within Regulation 504’s continuing-education scope; nonresident home-state education reciprocity applies.
Renewal
Maintain the underlying producer license and renew through NIPR in the applicable resident even-year or nonresident odd-year cycle; individual surplus-lines renewal fee is $275.

Official no-examination sources

Effective from 2026-09-22.

Restore an existing surplus lines license after a suspension shorter than 12 months
No examination is required for this applicant pathway.
Producer prerequisite
Restore or maintain the active corresponding producer qualification.
Suspension terms
Complete the Commissioner’s suspension conditions and, for an education suspension, overdue education and imposed fines.
Threshold
A suspension lasting 12 months or more uses the retesting route.

Official no-examination sources

Effective from 2026-09-22.

DE Property Producer

Provider
Pearson VUE
Format
Computer-based examination with general and state statutes-and-regulations portions
Exam questions
General: 50 scored questions; state: 35 scored questions. The outline lists 5 general pretest questions; the available-examinations table lists 10. State: 7 pretest questions.
Time limit
General: 1 hour 15 minutes; state: 1 hour
Passing score
Scaled score: the handbook states that some exams require 70 and others 80; the applicable passing score is printed on the score report.
Exam fee
$90; eligible major-line exams taken on the same day share one fee, excluding Personal Lines
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
  • State statutes, rules, and regulations — I. DELAWARE STATUTES, REGULATIONS, AND BULLETINS PERTINENT TO LIFE, ACCIDENT AND HEALTH, PROPERTY AND CASUALTY INSURANCE.
    • A. License Regulations
    • A. License Regulations / 1. Persons required to be licensed and responsibilities
    • A. License Regulations / 1. Persons required to be licensed and responsibilities / a. Producer/Agent
    • A. License Regulations / 1. Persons required to be licensed and responsibilities / b. Surplus lines broker
    • A. License Regulations / 1. Persons required to be licensed and responsibilities / c. Limited Lines producer
    • A. License Regulations / 1. Persons required to be licensed and responsibilities / d. Producer/Consultant
    • A. License Regulations / 2. License requirements
    • A. License Regulations / 2. License requirements / a. Fees and application
    • A. License Regulations / 2. License requirements / b. Prerequisites
    • A. License Regulations / 2. License requirements / c. Special qualifications
    • A. License Regulations / 2. License requirements / d. Written examinations and exemptions
    • A. License Regulations / 2. License requirements / e. Exemptions from licensing
    • A. License Regulations / 2. License requirements / f. Insurer’s appointment
    • A. License Regulations / 3. Authority
    • A. License Regulations / 3. Authority / a. Definitions
    • A. License Regulations / 3. Authority / b. License requirements
    • A. License Regulations / 3. Authority / c. Lines of authority
    • A. License Regulations / 3. Authority / d. Termination of appointment
    • A. License Regulations / 4. Notice of address change
    • A. License Regulations / 5. Continuing education
    • B. Marketing Practices
    • B. Marketing Practices / 1. Duties of licensed personnel
    • B. Marketing Practices / 2. Record keeping
    • B. Marketing Practices / 3. Compensation of licensees
    • B. Marketing Practices / 4. Termination, suspension, fines
    • C. Insurance Commissioner
    • C. Insurance Commissioner / 1. Election and term
    • C. Insurance Commissioner / 2. General powers and duties
    • C. Insurance Commissioner / 3. Examination of insurers and producers
    • C. Insurance Commissioner / 4. Hearings
    • C. Insurance Commissioner / 5. Cease and desist orders and penalties
    • C. Insurance Commissioner / 6. General penalties
  • State statutes, rules, and regulations — II. DELAWARE STATUTES, RULES, REGULATIONS, AND BULLETINS COMMON TO BOTH PROPERTY AND CASUALTY INSURANCE
    • A. Surplus Lines Broker
    • A. Surplus Lines Broker / 1. Definitions
    • A. Surplus Lines Broker / 2. Conditions for procurement
    • A. Surplus Lines Broker / 3. Endorsement of policy
    • A. Surplus Lines Broker / 4. Liability of insurer
    • A. Surplus Lines Broker / 5. License suspension, revocation
    • A. Surplus Lines Broker / 6. Records and annual statement
    • A. Surplus Lines Broker / 7. Broker’s affidavit
    • B. Consent of rate filings
    • C. Fiduciary accounts
    • D. Guaranty Association Act
    • E. Premium financing
    • E. Premium financing / 1. Definitions
    • E. Premium financing / 2. Licensing
    • E. Premium financing / 3. Form of agreement
    • F. Credit Scoring for Underwriting
    • F. Credit Scoring for Underwriting / 1. Purpose
    • F. Credit Scoring for Underwriting / 2. Scope
    • F. Credit Scoring for Underwriting / 3. Applicability
    • F. Credit Scoring for Underwriting / 4. Written notice to consumers
    • F. Credit Scoring for Underwriting / 5. Prohibited practices
  • State statutes, rules, and regulations — III. DELAWARE STATUTES, RULES, REGULATIONS, AND BULLETINS PERTINENT TO PROPERTY INSURANCE ONLY
    • A. Delaware FAIR Plan
    • A. Delaware FAIR Plan / 1. Purpose and definitions
    • A. Delaware FAIR Plan / 2. Eligibility
    • A. Delaware FAIR Plan / 3. Coverage available
    • A. Delaware FAIR Plan / 4. Limits of coverage
    • A. Delaware FAIR Plan / 5. Effective date of coverage
    • A. Delaware FAIR Plan / 6. Binding authority of producers
    • B. Declinations, renewal, and cancellation of Property insurance contracts
    • B. Declinations, renewal, and cancellation of Property insurance contracts / 1. Definitions
    • B. Declinations, renewal, and cancellation of Property insurance contracts / 2. Notification and reasons for declination, non-renewal, and termination
    • B. Declinations, renewal, and cancellation of Property insurance contracts / 3. Permissible cancellations
    • B. Declinations, renewal, and cancellation of Property insurance contracts / 4. Prohibited practices
    • B. Declinations, renewal, and cancellation of Property insurance contracts / 5. Enforcement
    • B. Declinations, renewal, and cancellation of Property insurance contracts / 6. Disclosures
    • C. National Flood Insurance Program
    • C. National Flood Insurance Program / 1. Definitions
    • C. National Flood Insurance Program / 2. Policies and Products Available
    • C. National Flood Insurance Program / 3. Who needs flood insurance
    • C. National Flood Insurance Program / 4. Flood Maps and Zone Determinations
    • C. National Flood Insurance Program / 5. General Rules
    • C. National Flood Insurance Program / 6. Claims Handling Process
    • C. National Flood Insurance Program / 7. Write Your Own Company
  • State statutes, rules, and regulations — IV. INSURANCE ETHICS
    • A. Definitions
    • A. Definitions / 1. Market Conduct
    • A. Definitions / 2. Authority
    • A. Definitions / 2. Authority / a. Express
    • A. Definitions / 2. Authority / b. Implied
    • A. Definitions / 2. Authority / c. Apparent
    • A. Definitions / 3. Agency versus individual licensee
    • A. Definitions / 4. Suitability
    • A. Definitions / 5. Ethical behavior and good moral standards
    • B. Market Conduct examination
    • C. Binding coverage
    • D. Disclosure letters and forms
    • E. Errors and Omissions insurance
    • F. Unfair practices
    • F. Unfair practices / 1. Twisting
    • F. Unfair practices / 2. Churning
    • F. Unfair practices / 3. Commingling
    • F. Unfair practices / 4. Misrepresentation
    • F. Unfair practices / 5. Defamation
    • F. Unfair practices / 6. Coercion and intimidation
    • F. Unfair practices / 7. Unfair discrimination
    • F. Unfair practices / 8. Rebating
    • F. Unfair practices / 9. Unfair claims settlement practices
    • F. Unfair practices / 10.Coercion of debtors
    • F. Unfair practices / 11.Publicized Founded Complaints
    • G. Insurance fraud and Fraud Prevention Bureau
    • H. Advertisement procedures
    • I. Privacy
    • J. Conflict of issues and producer’s responsibilities
Examination sources

Delaware Personal Lines Insurance Producer Examination

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
  • State specific — I. DELAWARE STATUTES, REGULATIONS, AND BULLETINS PERTINENT TO LIFE, ACCIDENT AND HEALTH, PROPERTY, CASUALTY AND PERSONAL LINES INSURANCE
    • A. License Regulations
    • A. License Regulations / 1. Persons required to be licensed and responsibilities
    • A. License Regulations / 1. Persons required to be licensed and responsibilities / a. Producer/Agent
    • A. License Regulations / 1. Persons required to be licensed and responsibilities / b. Limited Lines producer
    • A. License Regulations / 1. Persons required to be licensed and responsibilities / c. Producer/Consultant
    • A. License Regulations / 2. License requirements
    • A. License Regulations / 2. License requirements / a. Fees and application
    • A. License Regulations / 2. License requirements / b. Prerequisites
    • A. License Regulations / 2. License requirements / c. Special qualifications
    • A. License Regulations / 2. License requirements / d. Written examinations and exemptions
    • A. License Regulations / 2. License requirements / e. Exemptions from licensing
    • A. License Regulations / 2. License requirements / f. Insurer’s appointment
    • A. License Regulations / 3. Authority
    • A. License Regulations / 3. Authority / a. Definitions
    • A. License Regulations / 3. Authority / b. License requirements
    • A. License Regulations / 3. Authority / c. Lines of authority
    • A. License Regulations / 3. Authority / d. Termination of appointment
    • A. License Regulations / 4. Notice of address change
    • A. License Regulations / 5. Continuing education
    • B. Marketing Practices
    • B. Marketing Practices / 1. Duties of licensed personnel
    • B. Marketing Practices / 2. Record keeping
    • B. Marketing Practices / 3. Compensation of licensees
    • B. Marketing Practices / 4. Termination, suspension, fines
    • C. Insurance Commissioner
    • C. Insurance Commissioner / 1. Election and term
    • C. Insurance Commissioner / 2. General powers and duties
    • C. Insurance Commissioner / 3. Examination of insurers and producers
    • C. Insurance Commissioner / 4. Hearings
    • C. Insurance Commissioner / 5. Cease and desist orders and penalties
    • C. Insurance Commissioner / 6. General penalties
  • State specific — II. DELAWARE STATUTES, RULES, REGULATIONS, AND BULLETINS PERTINENT TO PROPERTY INSURANCE ONLY
    • A. Delaware FAIR Plan
    • A. Delaware FAIR Plan / 1. Purpose and definitions
    • A. Delaware FAIR Plan / 2. Eligibility
    • A. Delaware FAIR Plan / 3. Coverage available
    • A. Delaware FAIR Plan / 4. Limits of coverage
    • A. Delaware FAIR Plan / 5. Effective date of coverage
    • A. Delaware FAIR Plan / 6. Binding authority of producers
    • B. Declinations, renewal, and cancellation of Property insurance contracts
    • B. Declinations, renewal, and cancellation of Property insurance contracts / 1. Definitions
    • B. Declinations, renewal, and cancellation of Property insurance contracts / 2. Notification and reasons for declination, non-renewal, and termination
    • B. Declinations, renewal, and cancellation of Property insurance contracts / 3. Permissible cancellations
    • B. Declinations, renewal, and cancellation of Property insurance contracts / 4. Prohibited practices
    • B. Declinations, renewal, and cancellation of Property insurance contracts / 5. Enforcement
    • B. Declinations, renewal, and cancellation of Property insurance contracts / 6. Disclosures
    • C. National Flood Insurance Program
    • C. National Flood Insurance Program / 1. Definitions
    • C. National Flood Insurance Program / 2. Policies and Products Available
    • C. National Flood Insurance Program / 3. Who needs flood insurance
    • C. National Flood Insurance Program / 4. Flood Maps and Zone Determinations
    • C. National Flood Insurance Program / 5. General Rules
    • C. National Flood Insurance Program / 6. Claims Handling Process
    • C. National Flood Insurance Program / 7. Write Your Own Company
  • State specific — III. DELAWARE STATUTES, RULES, REGULATIONS, AND BULLETINS PERTINENT TO CASUALTY INSURANCE ONLY
    • A. Delaware Motorist Protection Act
    • A. Delaware Motorist Protection Act / 1. Required coverage and limits
    • A. Delaware Motorist Protection Act / 2. Arbitration
    • A. Delaware Motorist Protection Act / 3. Insurance ID card
    • A. Delaware Motorist Protection Act / 4. Fines
    • A. Delaware Motorist Protection Act / 5. Form A
    • B. Uninsured and Underinsured Motorists Coverage
    • B. Uninsured and Underinsured Motorists Coverage / 1. Required coverage
    • B. Uninsured and Underinsured Motorists Coverage / 2. Option for additional coverage
    • C. Cancellation and nonrenewal of auto insurance
    • C. Cancellation and nonrenewal of auto insurance / 1. Reasons for
    • C. Cancellation and nonrenewal of auto insurance / 2. Notice
    • C. Cancellation and nonrenewal of auto insurance / 3. Hearing
    • C. Cancellation and nonrenewal of auto insurance / 4. Exclusion of designated person
    • C. Cancellation and nonrenewal of auto insurance / 5. Request for driving records
    • D. Delaware Automobile Insurance Plan
    • D. Delaware Automobile Insurance Plan / 1. Producer and insurer responsibilities
    • D. Delaware Automobile Insurance Plan / 2. Eligibility
    • D. Delaware Automobile Insurance Plan / 3. Coverage and options
    • D. Delaware Automobile Insurance Plan / 4. Designation of carrier
    • D. Delaware Automobile Insurance Plan / 5. Binding authority
    • D. Delaware Automobile Insurance Plan / 6. Collection of placement fee
    • E. Defensive driving course credit
    • F. Private passenger automobile insurance rating information
  • State specific — IV. INSURANCE ETHICS
    • A. Definitions
    • A. Definitions / 1. Market Conduct
    • A. Definitions / 2. Authority
    • A. Definitions / 2. Authority / a. Express
    • A. Definitions / 2. Authority / b. Implied
    • A. Definitions / 2. Authority / c. Apparent
    • A. Definitions / 3. Agency versus individual licensee
    • A. Definitions / 4. Suitability
    • A. Definitions / 5. Ethical behavior and good moral standards
    • B. Market Conduct examination
    • C. Binding coverage
    • D. Disclosure letters and forms
    • E. Errors and Omissions insurance
    • F. Unfair practices
    • F. Unfair practices / 1. Twisting
    • F. Unfair practices / 2. Churning
    • F. Unfair practices / 3. Commingling
    • F. Unfair practices / 4. Misrepresentation
    • F. Unfair practices / 5. Defamation
    • F. Unfair practices / 6. Coercion and intimidation
    • F. Unfair practices / 7. Unfair discrimination
    • F. Unfair practices / 8. Rebating
    • F. Unfair practices / 9. Unfair claims settlement practices
    • F. Unfair practices / 10. Coercion of debtors
    • F. Unfair practices / 11. Publicized Founded Complaints
    • G. Insurance fraud and Fraud Prevention Bureau
    • H. Advertisement procedures
    • I. Privacy
    • J. Conflict of issues and producer’s responsibilities
Examination sources

DE Casualty Producer

Provider
Pearson VUE
Format
Computer-based written examination; separately passed general knowledge and state statutes/regulations portions
Time limit
General portion: 1 hour 15 minutes; state portion: 1 hour
Passing score
Owner reports scaled scores from 0 to 100; applicable passing score appears on the score report
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 / 1. Liability
    • B. Automobile / 1. Liability / a. Bodily Injury
    • B. Automobile / 1. Liability / b. Property Damage
    • B. Automobile / 1. Liability / c. Split Limits
    • B. Automobile / 1. Liability / d. Combined Single Limit
    • B. Automobile / 2. Medical Payments
    • B. Automobile / 3. Physical Damage (collision; other than collision; specified perils)
    • B. Automobile / 4. Uninsured motorists
    • B. Automobile / 5. Underinsured motorists
    • B. Automobile / 6. Who is an insured
    • B. Automobile / 7. Types of Auto
    • B. Automobile / 7. Types of Auto / a. Owned
    • B. Automobile / 7. Types of Auto / b. Non-owned
    • B. Automobile / 7. Types of Auto / c. Hired
    • B. Automobile / 7. Types of Auto / d. Temporary Substitute
    • B. Automobile / 7. Types of Auto / e. Newly Acquired Autos
    • B. Automobile / 7. Types of Auto / f. Transportation Expense and Rental Reimbursement Expense
    • B. Automobile / 8. Auto Dealers Coverage Form, including Garagekeepers Insurance
    • B. Automobile / 9. Exclusions
    • B. Automobile / 10. Individual Named Insured and Drive Other Car (DOC)
    • B. Automobile / 11. Mobile equipment
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues
    • C. Workers Compensation / 1. Standard policy concepts
    • C. Workers Compensation / 1. Standard policy concepts / a. Who is an employee/employer
    • C. Workers Compensation / 1. Standard policy concepts / b. Compensation
    • C. Workers Compensation / 2. Work-related vs. non-work-related
    • C. Workers Compensation / 3. Other states’ insurance
    • C. Workers Compensation / 4. Employers Liability
    • C. Workers Compensation / 5. Exclusive remedy
    • C. Workers Compensation / 6. Premium Determination
    • D. Crime
    • D. Crime / 1. Employee Dishonesty
    • D. Crime / 2. Theft
    • D. Crime / 3. Robbery
    • D. Crime / 4. Burglary
    • D. Crime / 5. Forgery and Alteration
    • D. Crime / 6. Mysterious disappearance
    • E. Bonds
    • E. Bonds / 1. Surety
    • E. Bonds / 2. Fidelity
    • F. Professional liability
    • F. Professional liability / 1. Errors and Omissions
    • F. Professional liability / 2. Medical Malpractice
    • F. Professional liability / 3. Directors and Officers (D&O)
    • F. Professional liability / 4. Employment Practices Liability (EPLI)
    • F. Professional liability / 5. Cyber liability and data breach, funds transfer
    • F. Professional liability / 6. Liquor liability
    • G. Umbrella/Excess Liability
    • H. Business Owners Policy (BOP)
  • General knowledge — II. 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)
  • State statutes, rules, and regulations — I. DELAWARE STATUTES, REGULATIONS, AND BULLETINS PERTINENT TO LIFE, ACCIDENT AND HEALTH, PROPERTY AND CASUALTY INSURANCE
    • A. License Regulations
    • A. License Regulations / 1. Persons required to be licensed and responsibilities
    • A. License Regulations / 1. Persons required to be licensed and responsibilities / a. Producer/Agent and Broker
    • A. License Regulations / 1. Persons required to be licensed and responsibilities / b. Surplus lines broker
    • A. License Regulations / 1. Persons required to be licensed and responsibilities / c. Limited Lines producer
    • A. License Regulations / 1. Persons required to be licensed and responsibilities / d. Producer/Consultant
    • A. License Regulations / 2. License requirements
    • A. License Regulations / 2. License requirements / a. Fees and application
    • A. License Regulations / 2. License requirements / b. Prerequisites
    • A. License Regulations / 2. License requirements / c. Special qualifications
    • A. License Regulations / 2. License requirements / d. Written examinations and exemptions
    • A. License Regulations / 2. License requirements / e. Exemptions from licensing
    • A. License Regulations / 2. License requirements / f. Insurer’s appointment
    • A. License Regulations / 3. Authority
    • A. License Regulations / 3. Authority / a. Definitions
    • A. License Regulations / 3. Authority / b. License requirements
    • A. License Regulations / 3. Authority / c. Lines of authority
    • A. License Regulations / 3. Authority / d. Termination of appointment
    • A. License Regulations / 4. Notice of address change
    • A. License Regulations / 5. Continuing education
    • B. Marketing Practices
    • B. Marketing Practices / 1. Duties of licensed personnel
    • B. Marketing Practices / 2. Record keeping
    • B. Marketing Practices / 3. Compensation of licensees
    • B. Marketing Practices / 4. Termination, suspension, fines
    • C. Insurance Commissioner
    • C. Insurance Commissioner / 1. Election and term
    • C. Insurance Commissioner / 2. General powers and duties
    • C. Insurance Commissioner / 3. Examination of insurers and producers
    • C. Insurance Commissioner / 4. Hearings
    • C. Insurance Commissioner / 5. Cease and desist orders and penalties
    • C. Insurance Commissioner / 6. General penalties
  • State statutes, rules, and regulations — II. DELAWARE STATUTES, RULES, REGULATIONS, AND BULLETINS COMMON TO BOTH PROPERTY AND CASUALTY INSURANCE
    • A. Surplus Lines Broker
    • A. Surplus Lines Broker / 1. Definitions
    • A. Surplus Lines Broker / 2. Conditions for procurement
    • A. Surplus Lines Broker / 3. Endorsement of policy
    • A. Surplus Lines Broker / 4. Liability of insurer
    • A. Surplus Lines Broker / 5. License suspension, revocation
    • A. Surplus Lines Broker / 6. Records and annual statement
    • A. Surplus Lines Broker / 7. Broker’s affidavit
    • B. Consent of rate filings
    • C. Fiduciary accounts
    • D. Guaranty Association Act
    • E. Premium financing
    • E. Premium financing / 1. Definitions
    • E. Premium financing / 2. Licensing
    • E. Premium financing / 3. Form of agreement
    • F. Credit Scoring for Underwriting
    • F. Credit Scoring for Underwriting / 1. Purpose
    • F. Credit Scoring for Underwriting / 2. Scope
    • F. Credit Scoring for Underwriting / 3. Applicability
    • F. Credit Scoring for Underwriting / 4. Written notice to consumers
    • F. Credit Scoring for Underwriting / 5. Prohibited practices
  • State statutes, rules, and regulations — III. DELAWARE STATUTES, RULES, REGULATIONS, AND BULLETINS PERTINENT TO CASUALTY INSURANCE ONLY
    • A. Delaware Motorist Protection Act
    • A. Delaware Motorist Protection Act / 1. Required coverage and limits
    • A. Delaware Motorist Protection Act / 2. Arbitration
    • A. Delaware Motorist Protection Act / 3. Insurance ID card
    • A. Delaware Motorist Protection Act / 4. Fines
    • A. Delaware Motorist Protection Act / 5. Form A
    • B. Uninsured and Underinsured Motorists Coverage
    • B. Uninsured and Underinsured Motorists Coverage / 1. Required coverage
    • B. Uninsured and Underinsured Motorists Coverage / 2. Option for additional coverage
    • C. Cancellation and nonrenewal of auto insurance
    • C. Cancellation and nonrenewal / 1. Reasons for
    • C. Cancellation and nonrenewal / 2. Notice
    • C. Cancellation and nonrenewal / 3. Hearing
    • C. Cancellation and nonrenewal / 4. Exclusion of designated person
    • C. Cancellation and nonrenewal / 5. Request for driving records
    • D. Delaware Automobile Insurance Plan
    • D. Delaware Automobile Insurance Plan / 1. Producer and insurer responsibilities
    • D. Delaware Automobile Insurance Plan / 2. Eligibility
    • D. Delaware Automobile Insurance Plan / 3. Coverage and options
    • D. Delaware Automobile Insurance Plan / 4. Designation of carrier
    • D. Delaware Automobile Insurance Plan / 5. Binding authority
    • D. Delaware Automobile Insurance Plan / 6. Collection of placement fee
    • E. Defensive driving course credit
    • F. Private passenger automobile insurance rating information
    • G. Workers Compensation
    • G. Workers Compensation / 1. Applicability
    • G. Workers Compensation / 2. Excluded employments
    • G. Workers Compensation / 3. Executive offices, sole proprietors, partners
    • G. Workers Compensation / 4. Requirement for insurance policy
    • G. Workers Compensation / 5. Minimum duration of incapacity
    • G. Workers Compensation / 6. Medical benefits required
    • G. Workers Compensation / 7. Compensation for total disability
    • G. Workers Compensation / 8. Compensation for partial disability
    • G. Workers Compensation / 9. Survivorship benefits
    • G. Workers Compensation / 10. Burial expenses
    • G. Workers Compensation / 11. Deductible options Form B
    • G. Workers Compensation / 12. Assigned Risk Plan
    • G. Workers Compensation / 13. Workplace safety
    • G. Workers Compensation / 14. Worker’s Compensation rating/classification
    • G. Workers Compensation / 15. Terrorism Risk Insurance Act
    • G. Workers Compensation / 16. Permanent Impairment and Disfigurement Settlements
  • State statutes, rules, and regulations — IV. INSURANCE ETHICS
    • A. Definitions
    • A. Definitions / 1. Market Conduct
    • A. Definitions / 2. Authority
    • A. Definitions / 2. Authority / a. Express
    • A. Definitions / 2. Authority / b. Implied
    • A. Definitions / 2. Authority / c. Apparent
    • A. Definitions / 3. Agency versus individual licensee
    • A. Definitions / 4. Suitability
    • A. Definitions / 5. Ethical behavior and good moral standards
    • B. Market Conduct examination
    • C. Binding coverage
    • D. Disclosure letters and forms
    • E. Errors and Omissions insurance
    • F. Unfair practices
    • F. Unfair practices / 1. Twisting
    • F. Unfair practices / 2. Churning
    • F. Unfair practices / 3. Commingling
    • F. Unfair practices / 4. Misrepresentation
    • F. Unfair practices / 5. Defamation
    • F. Unfair practices / 6. Coercion and intimidation
    • F. Unfair practices / 7. Unfair discrimination
    • F. Unfair practices / 8. Rebating
    • F. Unfair practices / 9. Unfair claims settlement practices
    • F. Unfair practices / 10. Coercion of debtors
    • F. Unfair practices / 11. Publicized Founded Complaints
    • G. Insurance fraud and Fraud Prevention Bureau
    • H. Advertisement procedures
    • I. Privacy
    • J. Conflict of issues and producer’s responsibilities
Examination sources