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Georgia Property & Casualty Insurance — Requirements & Free Practice

US-GA · License preparation

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Nonactive Insurance Agent — Property and Casualty

Licensing authority: Georgia Office of the Commissioner of Insurance and Safety Fire · Application information

Conversion of active agent license to nonactive status
No examination is required for this applicant pathway.
Filing
Written eligibility acknowledgement, amendment fees and return current license.
Practice
Only receive renewal or deferred commissions; no other agent activity.
Prior License
Currently licensed and continuously licensed for at least ten years.

Official no-examination sources

Effective from 2026-09-22.

  • agent-rules

    Rule 120-2-3-.30 (1)-(2), exhaustive conversion conditions

Nonactive license reapplication after one year from expiration

At least one of the following alternatives:

Age
At least 18 years old.
Application
Submit the prescribed application and fees, citizenship/lawful-presence affidavit and identification, and electronic fingerprints unless exempt.
Appointment
Obtain the certificate of authority from each represented insurer after issuance.
Character
Good character; property/casualty agents may not use the license for controlled-business rebates or commissions; controlled business must remain below 25% of annual premium volume.
Lapse
After one year without late reinstatement, reapply and satisfy all prelicensing requirements; Commissioner may make extreme-hardship exceptions.
Oral Supplement
Section 33-23-10(a) permits an unidentified oral supplement at the Commissioner’s discretion; this is an applicant condition, not a separately identified examination.
Practice
Nonactive eligibility restricts activity to renewal or deferred commissions.
Score Window
Pass within 12 months after the approved prelicensing course and apply within 12 months of the passing score.
Waivers
Rule 120-2-3-.09 exempts CPCU holders, Ph.D. in Risk Management holders and applicants the Commissioner exempts. Rule 120-2-3-.07(5) separately exempts specified designations, degrees, courses and applicants from prelicensing education. The underlying currently offered licensing exams are retained; the individual exemption is a condition.
Nonactive renewal and timely late reinstatement
No examination is required for this applicant pathway.
Continuing Education
Exempt while nonactive under Rule 120-2-3-.19(6).
Filing
Renew and pay required fees; correct deficiency within 30 days of notice.
Lapse
Before one-year limit, use late reinstatement; fees and penalties apply.

Official no-examination sources

Effective from 2026-09-22.

  • agent-rules

    Rule 120-2-3-.30 (3)-(4), renewal and reinstatement

Nonresident Insurance Agent — Property and Casualty

Licensing authority: Georgia Office of the Commissioner of Insurance and Safety Fire · Application information

Nonresident applicant whose home state does not license the activity

At least one of the following alternatives:

Application
Submit prescribed application and fees.
Examination
Take the applicable Georgia licensing examination where required under Chapter 23.
Home State
Written proof that the home state does not require this license and reciprocates with Georgia residents.
Nonresident unlicensed home state renewal or reapplication

At least one of the following alternatives:

Filing
On lapse, reapply and satisfy initial application and fee requirements; a current examination is retained only where the initial licensing rule requires it.
Home State
The home state does not require licensure; written proof of reciprocity and Georgia examination where required.
Nonresident reciprocal licensure
No examination is required for this applicant pathway.
Affidavit
Submit citizenship/lawful-presence affidavit and acceptable identification.
Appointment
Georgia insurer appointment required when acting for an insurer.
Home License
Current home-state resident license in good standing for the requested lines; reciprocal treatment, prescribed application and fees.

Official no-examination sources

Effective from 2026-09-22.

  • 33-23-16

    Section 33-23-16(a), nonresident reciprocal application requirements

  • pearson-handbook

    Page 8, nonresident Agent row, no examination

Nonresident renewal or reapplication following lapse
No examination is required for this applicant pathway.
Continuing Education
Home-state compliance is recognized when reciprocal under Rule 120-2-3-.19(5).
Filing
Renew before expiration on prescribed form with fees; failure to renew requires reapplication and initial fees and qualifications.
Home License
Maintain good-standing home-state resident licensure; verify before Georgia renewal.

Official no-examination sources

Effective from 2026-09-22.

  • agent-rules

    Rule 120-2-3-.35 (1)-(3), renewal and reapplication

  • 33-23-16

    Section 33-23-16(a), nonresident reciprocal application requirements

Resident Insurance Agent — Property and Casualty

Licensing authority: Georgia Office of the Commissioner of Insurance and Safety Fire · Application information

Reinstatement following employment with Commissioner
No examination is required for this applicant pathway.
Prior License
Held this license at the time of employment and performed responsible insurance duties as a bona fide full-time Department employee.
Timing
Written request within 90 days after termination of employment.

Official no-examination sources

Effective from 2026-09-22.

  • 33-23-5

    Section 33-23-5(b), former Department employee reinstatement

Resident initial licensure by examination

At least one of the following alternatives:

Age
At least 18 years old.
Application
Submit the prescribed application and fees, citizenship/lawful-presence affidavit and identification, and electronic fingerprints unless exempt.
Appointment
Obtain the certificate of authority from each represented insurer after issuance.
Board Instructions
The Commissioner’s application page requires selecting both Property and Casualty and states “Passing score on Property and Casualty examination.” The handbook also lists codes 03 and 04 for the Property and Casualty agent row; both separate exams are therefore retained as a pair alongside code 06.
Character
Good character; property/casualty agents may not use the license for controlled-business rebates or commissions; controlled business must remain below 25% of annual premium volume.
Oral Supplement
Section 33-23-10(a) permits an unidentified oral supplement at the Commissioner’s discretion; this is an applicant condition, not a separately identified examination.
Prelicensing
Eight hours per major line; Property and Casualty requires both lines and 16 hours total, Personal Lines requires eight hours.
Score Window
Pass within 12 months after the approved prelicensing course and apply within 12 months of the passing score.
Waivers
Rule 120-2-3-.09 exempts CPCU holders, Ph.D. in Risk Management holders and applicants the Commissioner exempts. Rule 120-2-3-.07(5) separately exempts specified designations, degrees, courses and applicants from prelicensing education. The underlying currently offered licensing exams are retained; the individual exemption is a condition.
Restoration of license lapsed during military service
No examination is required for this applicant pathway.
Service
License lapsed while a member of the United States armed forces.
Timing
Apply within five years after expiration and within one year after military service ended; furnish satisfactory proof.

Official no-examination sources

Effective from 2026-09-22.

  • 33-23-10

    Section 33-23-10(c), reinstatement following military service

Resident licensure on prior same line credentials or transfer
No examination is required for this applicant pathway.
Application
Application, fees, citizenship affidavit and clearance evidence. Section 33-23-5(a)(4) expressly exempts prelicensing education and examination; the handbook page 1 also states fingerprint exemption for a timely resident transfer.
Previous License
Same lines of authority held in good standing in the prior home state; certification or producer-database verification required.
Timing
Currently licensed or apply within 90 days of prior license cancellation; moving applicants apply within 90 days of establishing Georgia residence.

Official no-examination sources

Effective from 2026-09-22.

  • 33-23-5

    Section 33-23-5(a)(4)(A)-(B), prior licensure and moving resident exemption

  • examination-rule

    Rule 120-2-3-.09(1)(m), reciprocal examination exemption

Reactivation of nonactive agent license
No examination is required for this applicant pathway.
Approval
Prior Commissioner approval and proper application required before resuming agent activities.
Education
No examination or prelicensing education for reactivation; appointment and continuing education requirements resume for the active year.

Official no-examination sources

Effective from 2026-09-22.

  • agent-rules

    Rule 120-2-3-.30 (5)-(6), express reactivation examination exemption

Resident reapplication after one year from expiration

At least one of the following alternatives:

Age
At least 18 years old.
Application
Submit the prescribed application and fees, citizenship/lawful-presence affidavit and identification, and electronic fingerprints unless exempt.
Appointment
Obtain the certificate of authority from each represented insurer after issuance.
Character
Good character; property/casualty agents may not use the license for controlled-business rebates or commissions; controlled business must remain below 25% of annual premium volume.
Lapse
No reinstatement filed before one year after expiration; reapply and satisfy all prelicensing requirements.
License Specific
24 hours per biennium, including three ethics hours; 20 hours after 20 years of continuous licensure; designation reductions or other exemptions under Rule 120-2-3-.19 apply.
Oral Supplement
Section 33-23-10(a) permits an unidentified oral supplement at the Commissioner’s discretion; this is an applicant condition, not a separately identified examination.
Score Window
Pass within 12 months after the approved prelicensing course and apply within 12 months of the passing score.
Waivers
Rule 120-2-3-.09 exempts CPCU holders, Ph.D. in Risk Management holders and applicants the Commissioner exempts. Rule 120-2-3-.07(5) separately exempts specified designations, degrees, courses and applicants from prelicensing education. The underlying currently offered licensing exams are retained; the individual exemption is a condition.
Resident late renewal reinstatement within one year
No examination is required for this applicant pathway.
Continuing Education
24 hours per biennium, including three ethics hours; 20 hours after 20 years of continuous licensure; designation reductions or other exemptions under Rule 120-2-3-.19 apply.
Fees
$150 reinstatement penalty plus renewal and late fees.
Fingerprints
Fingerprints required if reinstatement received six or more months after expiration.
Timing
Apply before one year from expiration.

Official no-examination sources

Effective from 2026-09-22.

  • agent-rules

    Rule 120-2-3-.16 (2)-(3), late reinstatement and new application

Resident renewal
No examination is required for this applicant pathway.
Continuing Education
24 hours per biennium, including three ethics hours; 20 hours after 20 years of continuous licensure; designation reductions or other exemptions under Rule 120-2-3-.19 apply.
Fees
Required renewal fees and license-specific continuing qualification requirements.
Filing
Renew by last day of birth month; late renewal within 15 days with late fee.

Official no-examination sources

Effective from 2026-09-22.

  • 33-23-18

    Section 33-23-18(a)-(c), exhaustive renewal requirements

  • agent-rules

    Rule 120-2-3-.16 (1), timely and late renewal

Conversion from temporary to permanent agent license

At least one of the following alternatives:

Age
At least 18 years old.
Application
Submit the prescribed application and fees, citizenship/lawful-presence affidavit and identification, and electronic fingerprints unless exempt.
Appointment
Obtain the certificate of authority from each represented insurer after issuance.
Character
Good character; property/casualty agents may not use the license for controlled-business rebates or commissions; controlled business must remain below 25% of annual premium volume.
Existing License
Hold the corresponding temporary agent license; complete required prelicensing and pass the current licensing examination.
Oral Supplement
Section 33-23-10(a) permits an unidentified oral supplement at the Commissioner’s discretion; this is an applicant condition, not a separately identified examination.
Score Window
Pass within 12 months after the approved prelicensing course and apply within 12 months of the passing score.
Waivers
Rule 120-2-3-.09 exempts CPCU holders, Ph.D. in Risk Management holders and applicants the Commissioner exempts. Rule 120-2-3-.07(5) separately exempts specified designations, degrees, courses and applicants from prelicensing education. The underlying currently offered licensing exams are retained; the individual exemption is a condition.

Temporary Insurance Agent — Property and Casualty

Licensing authority: Georgia Office of the Commissioner of Insurance and Safety Fire · Application information

Temporary license to continue or wind up an agency
No examination is required for this applicant pathway.
Applicant
Agency employee, family member, associate, guardian, receiver, executor or administrator whom Commissioner finds qualified.
Scope
Continue or wind up the business; renewal negotiation and premium collection permitted, new accounts prohibited.
Term
Six-month term, discretionary three-month renewals, 15-month maximum.
Trigger
Agent or limited subagent death, military service, illness, disability or termination of appointment; no other appropriately licensed individual in the agency.

Official no-examination sources

Effective from 2026-09-22.

  • 33-23-13

    Section 33-23-13(a), express hardship examination exemption

Insurer sponsored temporary training license
No examination is required for this applicant pathway.
Application
Sworn application, fees, citizenship affidavit and fingerprints unless exempt.
Sponsor
Written request and character/qualification certificate of an insurer; supervision by a licensed agent with the same lines.
Term
Six months initially, renewable for three-month periods, total not beyond 15 months; only one such eligibility period in the same lines.

Official no-examination sources

Effective from 2026-09-22.

  • examination-rule

    Rule 120-2-3-.09(1)(i), temporary applicants exempt

  • 33-23-13

    Section 33-23-13(b), insurer-sponsored training

Temporary renewal or change of sponsoring insurer
No examination is required for this applicant pathway.
Application
Required renewal application and fees; same-line supervision.
Term
Three-month extensions within the continuous 15-month maximum; reapply with new insurer when changing sponsor.

Official no-examination sources

Effective from 2026-09-22.

  • examination-rule

    Rule 120-2-3-.09(1)(i), temporary applicants exempt

  • agent-rules

    Rule 120-2-3-.40 (3)-(5), temporary renewals and sponsor change

Discretionary temporary license after a 60% licensing examination score

At least one of the following alternatives:

Score
60% on the applicable currently offered licensing examination rather than the ordinary 70% passing threshold.
Sponsor
Currently licensed agent sponsor and written request from an insurer; Commissioner may grant temporary license.
Term
Temporary term and supervision requirements apply.

Georgia Casualty Agent Examination

Provider
Pearson VUE
Format
Multiple-choice
Exam questions
80 scored plus 10 pretest questions
Time limit
2 hours
Passing score
70%
Exam fee
$67
Examination outline
  • TYPES OF POLICIES, BONDS, AND RELATED TERMS
    • Commercial general liability
    • Commercial general liability — Exposures
    • Commercial general liability — Exposures — Premises and Operations
    • Commercial general liability — Exposures — Products and Completed Operations
    • Commercial general liability — Coverage
    • Commercial general liability — Coverage — Coverage A: Bodily Injury and Property Damage Liability (Occurrence, Claims made including Retroactive Date)
    • Commercial general liability — Coverage — Coverage B: Personal Injury and Advertising Injury
    • Commercial general liability — Coverage — Coverage C: Medical Payments
    • Commercial general liability — Coverage — Supplemental Payments
    • Commercial general liability — Coverage — Who is an insured
    • Commercial general liability — Coverage — First named insured
    • Commercial general liability — Coverage — Limits (Per occurrence, Annual Aggregate)
    • Commercial general liability — Coverage — Damage to Property of Others
    • Automotive: personal auto and business auto
    • Automotive: personal auto and business auto — Liability
    • Automotive: personal auto and business auto — Liability — Bodily Injury
    • Automotive: personal auto and business auto — Liability — Property Damage
    • Automotive: personal auto and business auto — Liability — Split Limits
    • Automotive: personal auto and business auto — Liability — Combined Single Limit
    • Automotive: personal auto and business auto — Medical Payments
    • Automotive: personal auto and business auto — Physical damage (collision; other than collision; specified perils)
    • Automotive: personal auto and business auto — Uninsured motorists
    • Automotive: personal auto and business auto — Underinsured motorists
    • Automotive: personal auto and business auto — Who is an insured
    • Automotive: personal auto and business auto — Types of Auto
    • Automotive: personal auto and business auto — Types of Auto — Owned
    • Automotive: personal auto and business auto — Types of Auto — Non-owned
    • Automotive: personal auto and business auto — Types of Auto — Hired
    • Automotive: personal auto and business auto — Types of Auto — Temporary Substitute
    • Automotive: personal auto and business auto — Types of Auto — Newly Acquired Autos
    • Automotive: personal auto and business auto — Types of Auto — Transportation Expense and Rental Reimbursement Expense
    • Automotive: personal auto and business auto — Auto Dealers Coverage Form, including Garagekeepers Insurance
    • Automotive: personal auto and business auto — Exclusions
    • Automotive: personal auto and business auto — Individual Insured and Drive Other Car (DOC)
    • Automotive: personal auto and business auto — Mobile equipment
    • Workers Compensation insurance, Employers Liability insurance, and Related Issues
    • Workers Compensation insurance, Employers Liability insurance, and Related Issues — Standard policy concepts
    • Workers Compensation insurance, Employers Liability insurance, and Related Issues — Standard policy concepts — Who is an employee/employer
    • Workers Compensation insurance, Employers Liability insurance, and Related Issues — Standard policy concepts — Compensation
    • Workers Compensation insurance, Employers Liability insurance, and Related Issues — Work-related vs. non-work-related
    • Workers Compensation insurance, Employers Liability insurance, and Related Issues — Other states’ insurance
    • Workers Compensation insurance, Employers Liability insurance, and Related Issues — Employers Liability
    • Workers Compensation insurance, Employers Liability insurance, and Related Issues — Exclusive Remedy
    • Workers Compensation insurance, Employers Liability insurance, and Related Issues — Premium Determination
    • Crime
    • Crime — Employee Dishonesty
    • Crime — Theft
    • Crime — Robbery
    • Crime — Burglary
    • Crime — Forgery and Alteration
    • Crime — Mysterious disappearance
    • Bonds
    • Bonds — Surety
    • Bonds — Fidelity
    • Professional liability
    • Professional liability — Errors and Omissions
    • Professional liability — Medical Malpractice
    • Professional liability — Directors and Officers (D&O)
    • Professional liability — Employment Practices Liability (EPLI)
    • Professional liability — Cyber liability and data breach, funds transfer
    • Professional liability — Liquor liability
    • Umbrella/Excess liability
    • Business Owners Policy (BOP)
  • INSURANCE TERMS AND RELATED CONCEPTS
    • Hazards
    • Hazards — Moral
    • Hazards — Morale
    • Hazards — Physical
    • Indemnity
    • Insurable interest
    • Loss Valuation
    • Loss Valuation — Actual cash value
    • Loss Valuation — Replacement cost
    • Loss Valuation — Market value
    • Loss Valuation — Stated/agreed value
    • Loss Valuation — Salvage value
    • Negligence
    • Liability
    • Occurrence
    • Binders
    • Warranties
    • Representations
    • Concealment
    • Deposit Premium/Audit
    • Certificate of Insurance
    • Law of Large Numbers
    • Pure vs. Speculative Risk
    • Endorsements
    • Damages
    • Damages — Compensatory
    • Damages — Compensatory — General
    • Damages — Compensatory — Special
    • Damages — Punitive
    • Compliance with provisions of Fair Credit Reporting Act
  • POLICY PROVISIONS
    • Declarations
    • Insuring agreement
    • Conditions
    • Exclusions and Limitations
    • Definition of the insured
    • Duties of the insured after a loss
    • Cancellation and nonrenewal provisions
    • Supplementary payments
    • Proof of loss
    • Notice of claim
    • Other insurance
    • Subrogation
    • Loss settlement provisions including consent to settle a loss
    • Terrorism Risk Insurance Act (TRIA)
  • GEORGIA STATE LAWS, RULES, AND REGULATIONS PERTINENT TO ALL INSURANCE LINES
    • Insurance department and commissioner
    • Insurance department and commissioner — Broad powers and duties
    • Insurance department and commissioner — Examination of records
    • Insurance department and commissioner — Investigations/Notice of hearing
    • Insurance department and commissioner — Penalties
    • General insurance definitions
    • General insurance definitions — Domestic, foreign and alien
    • General insurance definitions — Stock and mutual
    • General insurance definitions — Authorized/unauthorized and certificate of authority
    • General insurance definitions — Insurance transaction / transacting business
    • Licensing of agents, counselors, subagents, and adjusters
    • Licensing of agents, counselors, subagents, and adjusters — Agent Responsibility
    • Licensing of agents, counselors, subagents, and adjusters — License maintenance
    • Licensing of agents, counselors, subagents, and adjusters — License revocation, suspension, denial, or refuse to renew
    • Licensing of agents, counselors, subagents, and adjusters — Temporary License
    • Licensing of agents, counselors, subagents, and adjusters — Nonresident License
    • Licensing of agents, counselors, subagents, and adjusters — Counselor License
    • Licensing of agents, counselors, subagents, and adjusters — Adjuster License
    • Licensing of agents, counselors, subagents, and adjusters — Surplus Lines Broker
    • Unfair trade practices
    • Unfair trade practices — Rebating
    • Unfair trade practices — Defamation
    • Unfair trade practices — Unfair Discrimination
    • Unfair trade practices — Misrepresentation
    • Unfair trade practices — Controlled business
    • Unfair trade practices — Advertising
    • Unfair trade practices — Coercion
    • Unfair trade practices — Commingling
    • Unfair trade practices — Fiduciary Responsibility
    • Unfair trade practices — Sharing Commissions
    • Unfair trade practices — Additional Fees
    • Unfair trade practices — Unfair claims practices
    • Unfair trade practices — Fraud
  • GEORGIA RULES AND CODES PERTINENT TO PROPERTY & CASUALTY INSURANCE
    • Cancellation and nonrenewal of policies
    • Regulation of Rates
    • Binders
    • Georgia Insurer Solvency Pool
  • GEORGIA RULES AND CODES PERTINENT TO CASUALTY INSURANCE ONLY
    • Auto
    • Auto — Defensive driving
    • Auto — Uninsured Motorists coverage
    • Auto — Financial Responsibility Law
    • Auto — Georgia Automobile Insurance Plan/Assigned Risk
    • Workers Compensation Law
Examination sources

Property & Casualty Agent COMBO

Provider
Pearson VUE
Format
Multiple-choice
Exam questions
125 scored plus 10 pretest questions
Time limit
2.5 hours
Passing score
70%
Exam fee
$67
Examination outline
  • PROPERTY: TYPES OF POLICIES
    • Homeowners
    • Homeowners — HO-2
    • Homeowners — HO-3
    • Homeowners — HO-4
    • Homeowners — HO-5
    • Homeowners — HO-6
    • Homeowners — HO-7
    • Dwelling policies
    • Commercial lines
    • Commercial lines — Commercial Package Policy (CPP)
    • Commercial lines — Commercial property
    • Commercial lines — Commercial property — Commercial building and personal property form
    • Commercial lines — Commercial property — Causes of loss forms
    • Commercial lines — Commercial property — Business income
    • Commercial lines — Commercial property — Extra expense
    • Commercial lines — Commercial property — Equipment breakdown
    • Commercial lines — Businessowners Policy (BOP)
    • Commercial lines — Builders Risk
    • Commercial lines — Cyber First-Party Coverage
    • Inland marine
    • Inland marine — Personal Articles floaters
    • Inland marine — Commercial Property floaters
    • National Flood Insurance Program
    • Others
    • Others — Earthquake
    • Others — Mobile Homes
    • Others — Watercraft
    • Others — Farm Owners
    • Others — Windstorm
  • PROPERTY: INSURANCE TERMS AND RELATED CONCEPTS
    • Insurance
    • Insurance — Law of Large Numbers
    • Insurable interest
    • Risk
    • Risk — Pure vs. Speculative Risk
    • Hazard
    • Hazard — Moral
    • Hazard — Morale
    • Hazard — Physical
    • Peril
    • Loss
    • Loss — Direct
    • Loss — Indirect
    • Loss valuation
    • Loss valuation — Actual cash value
    • Loss valuation — Replacement cost
    • Loss valuation — Market value
    • Loss valuation — State/agreed value
    • Loss valuation — Salvage value
    • Proximate cause
    • Deductible
    • Indemnity
    • Limits of liability
    • Coinsurance/Insurance to value
    • Occurrence
    • Cancellation
    • Nonrenewal
    • Vacancy and unoccupancy
    • Liability
    • Liability — Absolute
    • Liability — Strict
    • Liability — Vicarious
    • Negligence
    • Binder
    • Endorsements
    • Blanket vs. Specific
  • PROPERTY: POLICY PROVISIONS AND CONTRACT LAW
    • Declarations
    • Insuring agreement
    • Conditions
    • Exclusions
    • Definition of the insured
    • Duties of the insured
    • Obligations of the insurance company
    • Mortgagee rights
    • Proof of loss
    • Notice of claim
    • Appraisal
    • Other Insurance Provision
    • Subrogation
    • Elements of a contract
    • Warranties, representations, and concealment
    • Sources of underwriting information
    • Fair Credit Reporting Act
    • Privacy Protection (Gramm Leach Bliley)
    • Policy Application
    • Terrorism Risk Insurance Act (TRIA)
    • Territory
  • CASUALTY: TYPES OF POLICIES, BONDS, AND RELATED TERMS
    • Commercial general liability
    • Commercial general liability — Exposures
    • Commercial general liability — Exposures — Premises and Operations
    • Commercial general liability — Exposures — Products and Completed Operations
    • Commercial general liability — Coverage
    • Commercial general liability — Coverage — Coverage A: Bodily Injury and Property Damage Liability (Occurrence, Claims made including Retroactive Date)
    • Commercial general liability — Coverage — Coverage B: Personal Injury and Advertising Injury
    • Commercial general liability — Coverage — Coverage C: Medical Payments
    • Commercial general liability — Coverage — Supplemental Payments
    • Commercial general liability — Coverage — Who is an insured
    • Commercial general liability — Coverage — First named insured
    • Commercial general liability — Coverage — Limits (Per occurrence, Annual Aggregate)
    • Commercial general liability — Coverage — Damage to Property of Others Conditions
    • Automotive: personal auto and business auto
    • Automotive: personal auto and business auto — Liability
    • Automotive: personal auto and business auto — Liability — Bodily Injury
    • Automotive: personal auto and business auto — Liability — Property Damage
    • Automotive: personal auto and business auto — Liability — Split Limits
    • Automotive: personal auto and business auto — Liability — Combined Single Limit
    • Automotive: personal auto and business auto — Medical Payments
    • Automotive: personal auto and business auto — Physical damage (collision; other than collision; specified perils
    • Automotive: personal auto and business auto — Uninsured motorists
    • Automotive: personal auto and business auto — Underinsured motorists
    • Automotive: personal auto and business auto — Who is an insured
    • Automotive: personal auto and business auto — Types of Auto
    • Automotive: personal auto and business auto — Types of Auto — Owned
    • Automotive: personal auto and business auto — Types of Auto — Non-owned
    • Automotive: personal auto and business auto — Types of Auto — Hired
    • Automotive: personal auto and business auto — Types of Auto — Temporary Substitute
    • Automotive: personal auto and business auto — Types of Auto — Newly Acquired Autos
    • Automotive: personal auto and business auto — Types of Auto — Transportation Expense and Rental Reimbursement Expense
    • Automotive: personal auto and business auto — Auto Dealers Coverage Form, including Garagekeepers Insurance
    • Automotive: personal auto and business auto — Exclusions
    • Automotive: personal auto and business auto — Individual Insured and Drive Other Car (DOC)
    • Automotive: personal auto and business auto — Mobile equipment
    • Workers Compensation insurance, Employers Liability insurance, and Related Issues
    • Workers Compensation insurance, Employers Liability insurance, and Related Issues — Standard policy concepts
    • Workers Compensation insurance, Employers Liability insurance, and Related Issues — Standard policy concepts — Who is and employee/employer
    • Workers Compensation insurance, Employers Liability insurance, and Related Issues — Standard policy concepts — Compensation
    • Workers Compensation insurance, Employers Liability insurance, and Related Issues — Work-related vs. non-work-related
    • Workers Compensation insurance, Employers Liability insurance, and Related Issues — Other states’ insurance
    • Workers Compensation insurance, Employers Liability insurance, and Related Issues — Employers Liability
    • Workers Compensation insurance, Employers Liability insurance, and Related Issues — Exclusive Remedy
    • Workers Compensation insurance, Employers Liability insurance, and Related Issues — Premium Determination
    • Crime
    • Crime — Employee Dishonesty
    • Crime — Theft
    • Crime — Robbery
    • Crime — Burglary
    • Crime — Forgery and Alteration
    • Crime — Mysterious disappearance
    • Bonds
    • Bonds — Surety
    • Bonds — Fidelity
    • Professional liability
    • Professional liability — Errors and Omissions
    • Professional liability — Medical Malpractice
    • Professional liability — Directors and Officers (D&O)
    • Professional liability — Employment Practices Liability (EPLI)
    • Professional liability — Cyber liability and data breach, funds transfer
    • Professional liability — Liquor liability
    • Umbrella/Excess liability
    • Business Owners Policy (BOP)
  • CASUALTY: INSURANCE TERMS AND RELATED CONCEPTS
    • Risk
    • Hazards
    • Hazards — Moral
    • Hazards — Morale
    • Hazards — Physical
    • Indemnity
    • Insurable interest
    • Loss Valuation
    • Loss Valuation — Actual cash value
    • Loss Valuation — Replacement cost
    • Loss Valuation — Market value
    • Loss Valuation — Stated/agreed value
    • Loss Valuation — Salvage value
    • Negligence
    • Liability
    • Occurrence
    • Binders
    • Warranties
    • Representations
    • Concealment
    • Deposit Premium/Audit
    • Certificate of Insurance
    • Law of Large Numbers
    • Pure vs. Speculative Risk
    • Endorsements
    • Damages
    • Damages — Compensatory
    • Damages — Compensatory — General
    • Damages — Compensatory — Special
    • Damages — Punitive
    • Compliance with provisions of Fair Credit Reporting Act
  • CASUALTY: POLICY PROVISIONS
    • Declarations
    • Insuring agreement
    • Conditions
    • Exclusions and Limitations
    • Definition of the insured
    • Duties of the insured after a loss
    • Cancellation and nonrenewal provisions
    • Supplementary payments
    • Proof of loss
    • Notice of claim
    • Other insurance
    • Subrogation
    • Loss settlement provisions including consent to settle a loss
    • Terrorism Risk Insurance Act (TRIA)
  • GEORGIA STATE LAWS, RULES, AND REGULATIONS PERTINENT TO ALL INSURANCE LINES
    • Insurance department and commissioner
    • Insurance department and commissioner — Broad powers and duties
    • Insurance department and commissioner — Examination of records
    • Insurance department and commissioner — Investigations/Notice of hearing
    • Insurance department and commissioner — Penalties
    • General insurance definitions
    • General insurance definitions — Domestic, foreign and alien
    • General insurance definitions — Stock and mutual
    • General insurance definitions — Authorized/unauthorized and certificate of authority
    • General insurance definitions — Insurance transaction / transacting business
    • Licensing of agents, counselors, subagents, and adjusters
    • Licensing of agents, counselors, subagents, and adjusters — Agent Responsibility
    • Licensing of agents, counselors, subagents, and adjusters — License maintenance
    • Licensing of agents, counselors, subagents, and adjusters — License revocation, suspension, denial, or refuse to renew
    • Licensing of agents, counselors, subagents, and adjusters — Temporary License
    • Licensing of agents, counselors, subagents, and adjusters — Nonresident License
    • Licensing of agents, counselors, subagents, and adjusters — Counselor License
    • Licensing of agents, counselors, subagents, and adjusters — Adjuster License
    • Licensing of agents, counselors, subagents, and adjusters — Surplus Lines Broker
    • Unfair trade practices
    • Unfair trade practices — Rebating
    • Unfair trade practices — Defamation
    • Unfair trade practices — Unfair Discrimination
    • Unfair trade practices — Misrepresentation
    • Unfair trade practices — Controlled business
    • Unfair trade practices — Advertising
    • Unfair trade practices — Coercion
    • Unfair trade practices — Commingling
    • Unfair trade practices — Fiduciary Responsibility
    • Unfair trade practices — Sharing Commissions
    • Unfair trade practices — Additional Fees
    • Unfair trade practices — Unfair claims practices
    • Unfair trade practices — Fraud
  • GEORGIA RULES AND CODES PERTINENT TO PROPERTY & CASUALTY INSURANCE
    • Cancellation and nonrenewal of policies
    • Regulation of Rates
    • Binders
    • Georgia Insurer Solvency Pool
  • GEORGIA RULES AND CODES PERTINENT TO PROPERTY INSURANCE ONLY
    • FAIR plan
  • GEORGIA RULES AND CODES PERTINENT TO CASUALTY INSURANCE ONLY
    • Auto
    • Auto — Defensive driving
    • Auto — Uninsured Motorists coverage
    • Auto — Financial Responsibility Law
    • Auto — Georgia Automobile Insurance Plan/Assigned Risk
    • Workers Compensation Law
Examination sources

Property Agent

Provider
Pearson VUE
Format
Multiple-choice
Exam questions
80 scored plus 10 pretest questions
Time limit
2 hours
Passing score
70%
Exam fee
$67
Examination outline
  • TYPES OF POLICIES
    • Homeowners
    • Homeowners — HO-2
    • Homeowners — HO-3
    • Homeowners — HO-4
    • Homeowners — HO-5
    • Homeowners — HO-6
    • Homeowners — HO-7
    • Dwelling policies
    • Commercial lines
    • Commercial lines — Commercial Package Policy (CPP)
    • Commercial lines — Commercial property
    • Commercial lines — Commercial property — Commercial building and personal property form
    • Commercial lines — Commercial property — Causes of loss forms
    • Commercial lines — Commercial property — Business income
    • Commercial lines — Commercial property — Extra expense
    • Commercial lines — Commercial property — Equipment breakdown
    • Commercial lines — Businessowners Policy (BOP)
    • Commercial lines — Builders Risk
    • Commercial lines — Cyber First-Party Coverage
    • Inland marine
    • Inland marine — Personal Articles floaters
    • Inland marine — Commercial Property floaters
    • National Flood Insurance Program
    • Others
    • Others — Earthquake
    • Others — Mobile Homes
    • Others — Watercraft
    • Others — Farm Owners
    • Others — Windstorm
  • INSURANCE TERMS AND RELATED CONCEPTS
    • Insurance
    • Insurance — Law of Large Numbers
    • Insurable interest
    • Risk
    • Risk — Pure vs. Speculative Risk
    • Hazard
    • Hazard — Moral
    • Hazard — Morale
    • Hazard — Physical
    • Peril
    • Loss
    • Loss — Direct
    • Loss — Indirect
    • Loss valuation
    • Loss valuation — Actual cash value
    • Loss valuation — Replacement cost
    • Loss valuation — Market value
    • Loss valuation — State/agreed value
    • Loss valuation — Salvage value
    • Proximate cause
    • Deductible
    • Indemnity
    • Limits of liability
    • Coinsurance/Insurance to value
    • Occurrence
    • Cancellation
    • Nonrenewal
    • Vacancy and unoccupancy
    • Liability
    • Liability — Absolute
    • Liability — Strict
    • Liability — Vicarious
    • Negligence
    • Binder
    • Endorsements
    • Blanket vs. Specific
  • POLICY PROVISIONS AND CONTRACT LAW
    • Declarations
    • Insuring agreement
    • Conditions
    • Exclusions
    • Definition of the insured
    • Duties of the insured
    • Obligations of the insurance company
    • Mortgagee rights
    • Proof of loss
    • Notice of claim
    • Appraisal
    • Other Insurance Provision
    • Subrogation
    • Elements of a contract
    • Warranties, representations, and concealment
    • Sources of underwriting information
    • Fair Credit Reporting Act
    • Privacy Protection (Gramm Leach Bliley)
    • Policy Application
    • Terrorism Risk Insurance Act (TRIA)
    • Territory
  • GEORGIA STATE LAWS, RULES, AND REGULATIONS PERTINENT TO ALL INSURANCE LINES
    • Insurance department and commissioner
    • Insurance department and commissioner — Broad powers and duties
    • Insurance department and commissioner — Examination of records
    • Insurance department and commissioner — Investigations/Notice of hearing
    • Insurance department and commissioner — Penalties
    • General insurance definitions
    • General insurance definitions — Domestic, foreign and alien
    • General insurance definitions — Stock and mutual
    • General insurance definitions — Authorized/unauthorized and certificate of authority
    • General insurance definitions — Insurance transaction / transacting business
    • Licensing of agents, counselors, subagents, and adjusters
    • Licensing of agents, counselors, subagents, and adjusters — Agent Responsibility
    • Licensing of agents, counselors, subagents, and adjusters — License maintenance
    • Licensing of agents, counselors, subagents, and adjusters — License revocation, suspension, denial, or refuse to renew
    • Licensing of agents, counselors, subagents, and adjusters — Temporary License
    • Licensing of agents, counselors, subagents, and adjusters — Nonresident License
    • Licensing of agents, counselors, subagents, and adjusters — Counselor License
    • Licensing of agents, counselors, subagents, and adjusters — Adjuster License
    • Licensing of agents, counselors, subagents, and adjusters — Surplus Lines Broker
    • Unfair trade practices
    • Unfair trade practices — Rebating
    • Unfair trade practices — Defamation
    • Unfair trade practices — Unfair Discrimination
    • Unfair trade practices — Misrepresentation
    • Unfair trade practices — Controlled business
    • Unfair trade practices — Advertising
    • Unfair trade practices — Coercion
    • Unfair trade practices — Commingling
    • Unfair trade practices — Fiduciary Responsibility
    • Unfair trade practices — Sharing Commissions
    • Unfair trade practices — Additional Fees
    • Unfair trade practices — Unfair claims practices
    • Unfair trade practices — Fraud
  • GEORGIA RULES AND CODES PERTINENT TO PROPERTY & CASUALTY INSURANCE
    • Cancellation and nonrenewal of policies
    • Regulation of Rates
    • Binders
    • Georgia Insurer Solvency Pool
  • GEORGIA RULES AND CODES PERTINENT TO PROPERTY INSURANCE ONLY
    • FAIR plan
Examination sources