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Idaho Property & Casualty Insurance — Requirements & Free Practice

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Insurance Producer License

Individual producer license for property, casualty, personal lines, surety, and the related credit, pet, and travel limited lines; Idaho issues one producer license with one or more lines, not a combined examination.

Licensing authority: Idaho Department of Insurance · Application information

Expired one year — Property and Casualty

All of the following:

Lapse
License expired for at least one year.
Requested authority
Property and Casualty
Requirements
Apply and retest as a new applicant, including fingerprints; applicable prior-license exemptions remain conditions.
Expired one year — Casualty
Idaho Casualty Producer Examination
Lapse
License expired for at least one year.
Requested authority
Casualty
Requirements
Apply and retest as a new applicant, including fingerprints; applicable prior-license exemptions remain conditions.
Expired one year — Personal Lines
Idaho Personal Lines Producer Insurance Examination
Lapse
License expired for at least one year.
Requested authority
Personal Lines
Requirements
Apply and retest as a new applicant, including fingerprints; applicable prior-license exemptions remain conditions.
Expired one year — Property
ID Property Producer (practice unavailable)
Lapse
License expired for at least one year.
Requested authority
Property
Requirements
Apply and retest as a new applicant, including fingerprints; applicable prior-license exemptions remain conditions.
Expired one year — Surety
ID Surety Producer (practice unavailable)
Lapse
License expired for at least one year.
Requested authority
Surety
Requirements
Apply and retest as a new applicant, including fingerprints; applicable prior-license exemptions remain conditions.
Inactive producer status
No examination is required for this applicant pathway.
Continuation
CE exempt while inactive; continuation fees remain payable.
Status
Director may grant inactive status; no active insurance transactions permitted.

Official no-examination sources

Effective from 2026-09-22.

Reinstatement within twelve months with satisfied CE
No examination is required for this applicant pathway.
Lapse
License lapsed for nonpayment; apply within 12 months, pay double the unpaid renewal fee, and already satisfy CE so 41-1013(7) retesting does not apply.

Official no-examination sources

Effective from 2026-09-22.

Late ce after 90 days — Property and Casualty

All of the following:

Lapse
CE not completed by day 90 after expiration; apply after day 90 and before one year.
Requested authority
Property and Casualty
Requirements
Retest, new application, all new licensing fees, and proof of overdue CE.
Late ce after 90 days — Casualty
Idaho Casualty Producer Examination
Lapse
CE not completed by day 90 after expiration; apply after day 90 and before one year.
Requested authority
Casualty
Requirements
Retest, new application, all new licensing fees, and proof of overdue CE.
Late ce after 90 days — Personal Lines
Idaho Personal Lines Producer Insurance Examination
Lapse
CE not completed by day 90 after expiration; apply after day 90 and before one year.
Requested authority
Personal Lines
Requirements
Retest, new application, all new licensing fees, and proof of overdue CE.
Late ce after 90 days — Property
ID Property Producer (practice unavailable)
Lapse
CE not completed by day 90 after expiration; apply after day 90 and before one year.
Requested authority
Property
Requirements
Retest, new application, all new licensing fees, and proof of overdue CE.
Late ce after 90 days — Surety
ID Surety Producer (practice unavailable)
Lapse
CE not completed by day 90 after expiration; apply after day 90 and before one year.
Requested authority
Surety
Requirements
Retest, new application, all new licensing fees, and proof of overdue CE.
Reinstatement with CE completed within ninety days
No examination is required for this applicant pathway.
Ce
Submit all required education within 90 days after expiration.
Penalty
Late-CE penalties: $100 at 1–30 days, $200 at 31–60 days, $300 at 61–90 days; late renewal fees also apply.

Official no-examination sources

Effective from 2026-09-22.

Limited lines late renewal within one year
No examination is required for this applicant pathway.
Authority
Credit, Pet, or Travel only; no CE deficiency triggering full-line retesting.
Lapse
Apply within one year after expiration with late renewal fee; the manual and attestation govern limited-line qualification.

Official no-examination sources

Effective from 2026-09-22.

Limited lines new application after one year lapse
No examination is required for this applicant pathway.
Authority
Credit, Pet, or Travel only.
Board instruction
The limited-lines web page generically says a new license after one year includes fingerprinting and testing, but its specific Limited Line Types section says no examination for Credit, Pet, and Travel; the manual/attestation procedure is applied.
Requirements
New application, resident fingerprints, manual and attestation; 41-1007(4) permits approved instruction in place of examination.

Official no-examination sources

Effective from 2026-09-22.

Limited lines renewal
No examination is required for this applicant pathway.
Authority
Credit, Pet, or Travel only, with no full line or Surety held during the period.
Renewal
Renew every two years with fee; no examination or CE for these restricted lines.

Official no-examination sources

Effective from 2026-09-22.

Resident limited line issuance — Credit
No examination is required for this applicant pathway.
Ce
No CE for a license restricted to Credit, Pet, or Travel; any full line or Surety held during the license period triggers the Department’s CE requirement.
Fingerprints
Resident fingerprints, CHRI release, fingerprint receipt, uniform application, and licensing fee.
Limited authority
Credit
Study
Read the June 2023 Limited Lines Producer Pre-Licensing Manual and submit signed attestation instead of examination pass slips.

Official no-examination sources

Effective from 2026-09-22.

Resident limited line issuance — Pet
No examination is required for this applicant pathway.
Ce
No CE for a license restricted to Credit, Pet, or Travel; any full line or Surety held during the license period triggers the Department’s CE requirement.
Fingerprints
Resident fingerprints, CHRI release, fingerprint receipt, uniform application, and licensing fee.
Limited authority
Pet
Study
Read the June 2023 Limited Lines Producer Pre-Licensing Manual and submit signed attestation instead of examination pass slips.

Official no-examination sources

Effective from 2026-09-22.

Resident limited line issuance — Travel
No examination is required for this applicant pathway.
Ce
No CE for a license restricted to Credit, Pet, or Travel; any full line or Surety held during the license period triggers the Department’s CE requirement.
Fingerprints
Resident fingerprints, CHRI release, fingerprint receipt, uniform application, and licensing fee.
Limited authority
Travel
Role
Individual travel authority is for the designated responsible licensed producer of a travel wholesaler; fulfill the travel reporting and compliance duties.
Study
Read the June 2023 Limited Lines Producer Pre-Licensing Manual and submit signed attestation instead of examination pass slips.

Official no-examination sources

Effective from 2026-09-22.

New license after denial — Property and Casualty

All of the following:

Application
Satisfy new resident application requirements, including applicable statutory exemptions.
Prior denial
Wait one year after denial or the final court order affirming denial.
Requested authority
Property and Casualty
New license after denial — Casualty
Idaho Casualty Producer Examination
Application
Satisfy new resident application requirements, including applicable statutory exemptions.
Prior denial
Wait one year after denial or the final court order affirming denial.
Requested authority
Casualty
New license after denial — Personal Lines
Idaho Personal Lines Producer Insurance Examination
Application
Satisfy new resident application requirements, including applicable statutory exemptions.
Prior denial
Wait one year after denial or the final court order affirming denial.
Requested authority
Personal Lines
New license after denial — Property
ID Property Producer (practice unavailable)
Application
Satisfy new resident application requirements, including applicable statutory exemptions.
Prior denial
Wait one year after denial or the final court order affirming denial.
Requested authority
Property
New license after denial — Surety
ID Surety Producer (practice unavailable)
Application
Satisfy new resident application requirements, including applicable statutory exemptions.
Prior denial
Wait one year after denial or the final court order affirming denial.
Requested authority
Surety
New license after revocation — Property and Casualty

All of the following:

Application
New resident licensure requirements, with any applicable statutory exemption, apply.
Good cause
The director may require good cause why prior revocation or noncontinuation should not bar a new license.
Prior revocation
Wait the 1–5 year period specified by the final administrative or affirming court order; one year if no period specified.
Requested authority
Property and Casualty
New license after revocation — Casualty
Idaho Casualty Producer Examination
Application
New resident licensure requirements, with any applicable statutory exemption, apply.
Good cause
The director may require good cause why prior revocation or noncontinuation should not bar a new license.
Prior revocation
Wait the 1–5 year period specified by the final administrative or affirming court order; one year if no period specified.
Requested authority
Casualty
New license after revocation — Personal Lines
Idaho Personal Lines Producer Insurance Examination
Application
New resident licensure requirements, with any applicable statutory exemption, apply.
Good cause
The director may require good cause why prior revocation or noncontinuation should not bar a new license.
Prior revocation
Wait the 1–5 year period specified by the final administrative or affirming court order; one year if no period specified.
Requested authority
Personal Lines
New license after revocation — Property
ID Property Producer (practice unavailable)
Application
New resident licensure requirements, with any applicable statutory exemption, apply.
Good cause
The director may require good cause why prior revocation or noncontinuation should not bar a new license.
Prior revocation
Wait the 1–5 year period specified by the final administrative or affirming court order; one year if no period specified.
Requested authority
Property
New license after revocation — Surety
ID Surety Producer (practice unavailable)
Application
New resident licensure requirements, with any applicable statutory exemption, apply.
Good cause
The director may require good cause why prior revocation or noncontinuation should not bar a new license.
Prior revocation
Wait the 1–5 year period specified by the final administrative or affirming court order; one year if no period specified.
Requested authority
Surety
Nonresident reciprocal licensure
No examination is required for this applicant pathway.
Application
Proper application and fee; fingerprints if directed; appoint the director for service of process under 41-1010.
Authority
Property, Casualty, Personal Lines, Surety, or named limited lines, as held in the home state. An examination of another state is a condition of that license and is not an Idaho exam leaf.
Home license
Hold a current resident producer license in good standing covering the requested authority, in a home state granting equivalent reciprocity.

Official no-examination sources

Effective from 2026-09-22.

Nonresident biennial renewal
No examination is required for this applicant pathway.
Home license
Maintain the home-state resident license and satisfy home-state CE on the reciprocal basis of 41-1020(2).
Renewal
Submit continuation request and renewal fee; no Idaho examination.

Official no-examination sources

Effective from 2026-09-22.

Reactivation — Property and Casualty

All of the following:

Discretion
The director may grant or deny reactivation.
Education alternative
Submit proof of 20 CE hours earned during the preceding 12 months OR proof of retesting and meeting line examination requirements; continuing education may excuse the applicant from sitting the exam.
Inactive license
Hold an inactive producer license.
Requested authority
Property and Casualty
Reactivation — Casualty
Idaho Casualty Producer Examination
Discretion
The director may grant or deny reactivation.
Education alternative
Submit proof of 20 CE hours earned during the preceding 12 months OR proof of retesting and meeting line examination requirements; continuing education may excuse the applicant from sitting the exam.
Inactive license
Hold an inactive producer license.
Requested authority
Casualty
Reactivation — Personal Lines
Idaho Personal Lines Producer Insurance Examination
Discretion
The director may grant or deny reactivation.
Education alternative
Submit proof of 20 CE hours earned during the preceding 12 months OR proof of retesting and meeting line examination requirements; continuing education may excuse the applicant from sitting the exam.
Inactive license
Hold an inactive producer license.
Requested authority
Personal Lines
Reactivation — Property
ID Property Producer (practice unavailable)
Discretion
The director may grant or deny reactivation.
Education alternative
Submit proof of 20 CE hours earned during the preceding 12 months OR proof of retesting and meeting line examination requirements; continuing education may excuse the applicant from sitting the exam.
Inactive license
Hold an inactive producer license.
Requested authority
Property
Reactivation — Surety
ID Surety Producer (practice unavailable)
Discretion
The director may grant or deny reactivation.
Education alternative
Submit proof of 20 CE hours earned during the preceding 12 months OR proof of retesting and meeting line examination requirements; continuing education may excuse the applicant from sitting the exam.
Inactive license
Hold an inactive producer license.
Requested authority
Surety
Renewal relief for military service or extenuating circumstances
No examination is required for this applicant pathway.
Cause
Military service or other extenuating circumstance such as long-term medical disability.
Discretion
Request director waiver of renewal procedures, examination requirements, or fines; waiver is discretionary.
Scope
Relief for an existing license, not initial examination exemption.

Official no-examination sources

Effective from 2026-09-22.

Resident addition of authority — Property and Casualty

All of the following:

Application
Pass the appropriate line examination, send pass slips to the Department, then request the line through NIPR.
Existing license
Hold an Idaho resident producer license.
Requested authority
Property and Casualty
Waivers
Applicable statutory prior-license exemptions may excuse examination.
Resident addition of authority — Casualty
Idaho Casualty Producer Examination
Application
Pass the appropriate line examination, send pass slips to the Department, then request the line through NIPR.
Existing license
Hold an Idaho resident producer license.
Requested authority
Casualty
Waivers
Applicable statutory prior-license exemptions may excuse examination.
Resident addition of authority — Personal Lines
Idaho Personal Lines Producer Insurance Examination
Application
Pass the appropriate line examination, send pass slips to the Department, then request the line through NIPR.
Existing license
Hold an Idaho resident producer license.
Requested authority
Personal Lines
Waivers
Applicable statutory prior-license exemptions may excuse examination.
Resident addition of authority — Property
ID Property Producer (practice unavailable)
Application
Pass the appropriate line examination, send pass slips to the Department, then request the line through NIPR.
Existing license
Hold an Idaho resident producer license.
Requested authority
Property
Waivers
Applicable statutory prior-license exemptions may excuse examination.
Resident addition of authority — Surety
ID Surety Producer (practice unavailable)
Application
Pass the appropriate line examination, send pass slips to the Department, then request the line through NIPR.
Existing license
Hold an Idaho resident producer license.
Requested authority
Surety
Waivers
The testing page says a producer holding both Property and Casualty need not test for Surety. The limited-lines page says Surety carried alone without Casualty requires testing. These are applicant waiver conditions.
Resident initial licensure — Property and Casualty

All of the following:

Age
At least 18 years of age (Idaho Code 41-1007(1)(a)).
Application
Submit a truthful uniform application and the applicable nonrefundable licensing fee.
Education
Idaho does not require prelicensing education.
Fingerprints
Submit fingerprints for the Department of Insurance background check, fingerprint receipt, and CHRI Request and Release form.
Fitness
No act constituting a ground for denial, suspension, or revocation.
Requested authority
Property and Casualty
Score age
Apply within 180 days after successful completion of the line examinations; later applications are denied (41-1006(4)).
Resident initial licensure — Casualty
Idaho Casualty Producer Examination
Age
At least 18 years of age (Idaho Code 41-1007(1)(a)).
Application
Submit a truthful uniform application and the applicable nonrefundable licensing fee.
Education
Idaho does not require prelicensing education.
Fingerprints
Submit fingerprints for the Department of Insurance background check, fingerprint receipt, and CHRI Request and Release form.
Fitness
No act constituting a ground for denial, suspension, or revocation.
Requested authority
Casualty
Score age
Apply within 180 days after successful completion of the line examinations; later applications are denied (41-1006(4)).
Resident initial licensure — Personal Lines
Idaho Personal Lines Producer Insurance Examination
Age
At least 18 years of age (Idaho Code 41-1007(1)(a)).
Application
Submit a truthful uniform application and the applicable nonrefundable licensing fee.
Education
Idaho does not require prelicensing education.
Fingerprints
Submit fingerprints for the Department of Insurance background check, fingerprint receipt, and CHRI Request and Release form.
Fitness
No act constituting a ground for denial, suspension, or revocation.
Requested authority
Personal Lines
Scope
Noncommercial property and casualty coverage for individuals and families; not issued alongside full property and casualty authority.
Score age
Apply within 180 days after successful completion of the line examinations; later applications are denied (41-1006(4)).
Resident initial licensure — Property
ID Property Producer (practice unavailable)
Age
At least 18 years of age (Idaho Code 41-1007(1)(a)).
Application
Submit a truthful uniform application and the applicable nonrefundable licensing fee.
Education
Idaho does not require prelicensing education.
Fingerprints
Submit fingerprints for the Department of Insurance background check, fingerprint receipt, and CHRI Request and Release form.
Fitness
No act constituting a ground for denial, suspension, or revocation.
Requested authority
Property
Score age
Apply within 180 days after successful completion of the line examinations; later applications are denied (41-1006(4)).
Resident initial licensure — Surety
ID Surety Producer (practice unavailable)
Age
At least 18 years of age (Idaho Code 41-1007(1)(a)).
Application
Submit a truthful uniform application and the applicable nonrefundable licensing fee.
Education
Idaho does not require prelicensing education.
Fingerprints
Submit fingerprints for the Department of Insurance background check, fingerprint receipt, and CHRI Request and Release form.
Fitness
No act constituting a ground for denial, suspension, or revocation.
Requested authority
Surety
Score age
Apply within 180 days after successful completion of the line examinations; later applications are denied (41-1006(4)).
Waiver
The testing page says a producer holding both Property and Casualty need not test for Surety. The limited-lines page says Surety carried alone without Casualty requires testing. These are applicant waiver conditions.
Resident licensure with prior license examination exemption
No examination is required for this applicant pathway.
Application
Complete the remaining resident licensing requirements including fingerprints and fees.
Previous license
Previously licensed for the same lines in another state and currently licensed there.

Official no-examination sources

Effective from 2026-09-22.

Resident licensure with prior license examination exemption
No examination is required for this applicant pathway.
Application
Complete the remaining resident licensing requirements including fingerprints and fees.
Previous license
Application received within 90 days of cancellation of the previous same-line license; official certification or NAIC records establish good standing at cancellation.

Official no-examination sources

Effective from 2026-09-22.

Resident licensure upon relocation to Idaho
No examination is required for this applicant pathway.
Fingerprints
Idaho Department of Insurance fingerprints are required even though retesting is unnecessary.
Relocation
Apply within 90 days after establishing Idaho residence; previously held lines need not be examined unless the director provides otherwise by rule.

Official no-examination sources

Effective from 2026-09-22.

Resident biennial renewal
No examination is required for this applicant pathway.
Course assessments
Approved correspondence and independent-study CE courses include a course examination requiring at least 70%; the rule identifies no particular licensing exam. These course assessments are conditions (IDAPA 18.06.04.024).
Renewal
Pay renewal fee and complete 24 CE credits including at least 3 ethics credits every two years before expiration.

Official no-examination sources

Effective from 2026-09-22.

Temporary Insurance Producer License

Temporary authority to service a producer business, at the director’s discretion, for no more than 180 days.

Licensing authority: Idaho Department of Insurance · Application information

Temporary licensure — death disability agency
No examination is required for this applicant pathway.
Applicant
Member or employee of producer entity after death or disability of its designated individual.
Discretion
Director must find temporary licensing necessary for servicing the business; up to 180 days without examination.
Sponsor
Director may require suitable licensed-producer or insurer sponsor and restrict authority; license ends when the business is disposed of.

Official no-examination sources

Effective from 2026-09-22.

Temporary licensure — death disability spouse
No examination is required for this applicant pathway.
Applicant
Surviving spouse or court-appointed personal representative of a deceased or disabled licensed producer.
Discretion
Director must find temporary licensing necessary for servicing the business; up to 180 days without examination.
Sponsor
Director may require suitable licensed-producer or insurer sponsor and restrict authority; license ends when the business is disposed of.

Official no-examination sources

Effective from 2026-09-22.

Temporary issuance pending FBI report — Property and Casualty

All of the following:

Pending report
All other qualifications, including otherwise required line exams, have been met; director may issue temporarily pending FBI fingerprint report.
Requested authority
Property and Casualty
Scope
This discretionary temporary form is issued without an additional examination under 41-1015(1)(d); prior completed licensing qualifications are applicant conditions.
Temporary issuance pending FBI report — Casualty
Idaho Casualty Producer Examination
Pending report
All other qualifications, including otherwise required line exams, have been met; director may issue temporarily pending FBI fingerprint report.
Requested authority
Casualty
Scope
This discretionary temporary form is issued without an additional examination under 41-1015(1)(d); prior completed licensing qualifications are applicant conditions.
Temporary issuance pending FBI report — Personal Lines
Idaho Personal Lines Producer Insurance Examination
Pending report
All other qualifications, including otherwise required line exams, have been met; director may issue temporarily pending FBI fingerprint report.
Requested authority
Personal Lines
Scope
This discretionary temporary form is issued without an additional examination under 41-1015(1)(d); prior completed licensing qualifications are applicant conditions.
Temporary issuance pending FBI report — Property
ID Property Producer (practice unavailable)
Pending report
All other qualifications, including otherwise required line exams, have been met; director may issue temporarily pending FBI fingerprint report.
Requested authority
Property
Scope
This discretionary temporary form is issued without an additional examination under 41-1015(1)(d); prior completed licensing qualifications are applicant conditions.
Temporary issuance pending FBI report — Surety
ID Surety Producer (practice unavailable)
Pending report
All other qualifications, including otherwise required line exams, have been met; director may issue temporarily pending FBI fingerprint report.
Requested authority
Surety
Scope
This discretionary temporary form is issued without an additional examination under 41-1015(1)(d); prior completed licensing qualifications are applicant conditions.
Temporary licensure — military designee
No examination is required for this applicant pathway.
Applicant
Designee of licensed producer entering active military service.
Discretion
Director must find temporary licensing necessary for servicing the business; up to 180 days without examination.
Sponsor
Director may require suitable licensed-producer or insurer sponsor and restrict authority; license ends when the business is disposed of.

Official no-examination sources

Effective from 2026-09-22.

Temporary licensure — public interest
No examination is required for this applicant pathway.
Applicant
Other circumstance where the director finds temporary issuance serves the public interest.
Discretion
Director must find temporary licensing necessary for servicing the business; up to 180 days without examination.
Sponsor
Director may require suitable licensed-producer or insurer sponsor and restrict authority; license ends when the business is disposed of.

Official no-examination sources

Effective from 2026-09-22.

Idaho Personal Lines Producer Insurance Examination

Provider
Pearson VUE
Format
Computer-based examination in English or Spanish, in a test center or through OnVUE; general and state sections are separately reported
Exam questions
General: 75 scored plus 5 pretest questions; Idaho state: 22 scored questions
Time limit
120 minutes
Exam fee
$65
Examination outline
  • 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
  • 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
  • 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
  • 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
  • I. IDAHO STATUTES, RULES, AND REGULATIONS COMMON TO LIFE, HEALTH/DISABILITY, PROPERTY, CASUALTY, AND PERSONAL LINES INSURANCE
    • A. Responsibilities of the Director of the Department of Insurance
    • A. Responsibilities of the Director of the Department of Insurance / 1. Appointment
    • A. Responsibilities of the Director of the Department of Insurance / 2. General duties and powers
    • A. Responsibilities of the Director of the Department of Insurance / 3. Examinations
    • A. Responsibilities of the Director of the Department of Insurance / 4. Hearings/notice of hearings/orders
    • A. Responsibilities of the Director of the Department of Insurance / 5. Penalties
    • B. Definitions
    • B. Definitions / 1. Domestic company
    • B. Definitions / 2. Foreign company
    • B. Definitions / 3. Alien company
    • B. Definitions / 4. Authorized and unauthorized companies/admitted and nonadmitted companies
    • B. Definitions / 5. Stock and mutual companies and reciprocals
    • B. Definitions / 6. Certificate of authority
    • B. Definitions / 7. Transacting insurance
    • B. Definitions / 8. Negotiate
    • C. Licensing
    • C. Licensing / 1. Persons required to be licensed
    • C. Licensing / 1. Persons required to be licensed / a. Producer
    • C. Licensing / 1. Persons required to be licensed / b. Resident/nonresident
    • C. Licensing / 1. Persons required to be licensed / c. Surplus lines
    • C. Licensing / 1. Persons required to be licensed / d. Public adjusters
    • C. Licensing / 2. Producer appointment/termination of appointment
    • C. Licensing / 3. Obtaining a license
    • C. Licensing / 3. Obtaining a license / a. Qualifications
    • C. Licensing / 3. Obtaining a license / b. License application
    • C. Licensing / 3. Obtaining a license / c. Written examinations
    • C. Licensing / 3. Obtaining a license / d. Exemptions/exceptions
    • C. Licensing / 3. Obtaining a license / e. License denial/refusal
    • C. Licensing / 4. Maintaining a license
    • C. Licensing / 4. Maintaining a license / a. Continuing education
    • C. Licensing / 4. Maintaining a license / b. Change of address/place of business
    • C. Licensing / 4. Maintaining a license / c. Fees/renewal
    • C. Licensing / 4. Maintaining a license / d. Record keeping
    • C. Licensing / 4. Maintaining a license / e. License expiration
    • C. Licensing / 4. Maintaining a license / f. Suspension or revocation of licenses/felony convictions
    • D. Producer responsibilities
    • D. Producer responsibilities / 1. Fiduciary capacity
    • D. Producer responsibilities / 2. Commissions and compensation
    • D. Producer responsibilities / 3. Charging of fees and disclosure requirements
    • D. Producer responsibilities / 4. Reporting of actions
    • E. Insurance contracts
    • E. Insurance contracts / 1. Filing and approval of policy forms
    • E. Insurance contracts / 2. Payment of claims
    • E. Insurance contracts / 3. Power to contract
    • F. Marketing practices
    • F. Marketing practices / 1. Unfair claims practices
    • F. Marketing practices / 2. Unfair methods of competition
    • F. Marketing practices / 2. Unfair methods of competition / a. Rebating
    • F. Marketing practices / 2. Unfair methods of competition / b. Misrepresentation
    • F. Marketing practices / 2. Unfair methods of competition / c. False advertising
    • F. Marketing practices / 2. Unfair methods of competition / d. Defamation
    • F. Marketing practices / 2. Unfair methods of competition / e. False financial statements
    • F. Marketing practices / 2. Unfair methods of competition / f. Boycott, coercion, intimidation
    • F. Marketing practices / 2. Unfair methods of competition / g. Unfair discrimination
    • F. Marketing practices / 2. Unfair methods of competition / h. Coercion of borrower
    • F. Marketing practices / 2. Unfair methods of competition / i. Fraud
    • F. Marketing practices / 2. Unfair methods of competition / j. Twisting
    • F. Marketing practices / 3. Penalties
  • II. IDAHO STATUTES, RULES, AND REGULATIONS COMMON TO PROPERTY, CASUALTY AND PERSONAL LINES INSURANCE ONLY
    • A. Insurance contracts
    • A. Insurance contracts / 1. Renewal, nonrenewal, cancellation
    • A. Insurance contracts / 2. Homeowners, personal auto, and casualty Policies
    • A. Insurance contracts / 3. Certificate of insurance
    • B. Countersignature requirements
    • C. Rate filings
    • D. Idaho Property and Casualty Guaranty Association Act
    • E. Binders
    • F. Insurance Rates and Credit Rating
  • III. IDAHO STATUTES, RULES, AND REGULATIONS PERTINENT TO PERSONAL LINES INSURANCE ONLY
    • A. Auto insurance
    • A. Auto insurance / 1. Uninsured/underinsured motorists
    • A. Auto insurance / 2. Policy cancellation/nonrenewal/expiration
    • A. Auto insurance / 3. Accident prevention courses
    • A. Auto insurance / 4. Assigned risk plan
    • A. Auto insurance / 5. Financial responsibility
    • A. Auto insurance / 5. Financial responsibility / a. Proof of financial responsibility defined
    • A. Auto insurance / 5. Financial responsibility / b. Persons required to show proof
    • A. Auto insurance / 5. Financial responsibility / c. Penalty for noncompliance
    • A. Auto insurance / 5. Financial responsibility / d. Methods of satisfying financial responsibility
    • B. Inland marine
    • C. Comparative Negligence
    • D. Fraud
    • E. National Flood Insurance Program (NFIP)
Examination sources

Idaho Casualty Producer Examination

Provider
Pearson VUE
Format
Written examination with general and Idaho-specific sections, at a test center or with an online proctor
Exam questions
70 scored questions: 50 general and 20 Idaho-specific; 5 general and 8 Idaho-specific pretest questions
Time limit
105 minutes
Exam fee
65 USD
Examination outline
  • General Knowledge — 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
    • Automobile: personal auto and business auto
    • Automobile: personal auto and business auto > Liability
    • Automobile: personal auto and business auto > Liability > Bodily Injury
    • Automobile: personal auto and business auto > Liability > Property Damage
    • Automobile: personal auto and business auto > Liability > Split Limits
    • Automobile: personal auto and business auto > Liability > Combined Single Limit
    • Automobile: personal auto and business auto > Medical Payments
    • Automobile: personal auto and business auto > Physical Damage (collision; other than collision; specified perils)
    • Automobile: personal auto and business auto > Uninsured motorists
    • Automobile: personal auto and business auto > Underinsured motorists
    • Automobile: personal auto and business auto > Who is an insured
    • Automobile: personal auto and business auto > Types of Auto
    • Automobile: personal auto and business auto > Types of Auto > Owned
    • Automobile: personal auto and business auto > Types of Auto > Non-owned
    • Automobile: personal auto and business auto > Types of Auto > Hired
    • Automobile: personal auto and business auto > Types of Auto > Temporary Substitute
    • Automobile: personal auto and business auto > Types of Auto > Newly Acquired Autos
    • Automobile: personal auto and business auto > Types of Auto > Transportation Expense and Rental Reimbursement Expense
    • Automobile: personal auto and business auto > Auto Dealers Coverage Form, including Garagekeepers Insurance
    • Automobile: personal auto and business auto > Exclusions
    • Automobile: personal auto and business auto > Individual Insured and Drive Other Car (DOC)
    • Automobile: personal auto and business auto > Mobile equipment
    • Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.)
    • Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.) > Standard policy concepts
    • Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.) > Standard policy concepts > Who is an employee/employer
    • Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.) > Standard policy concepts > Compensation
    • Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.) > Work-related vs. non-work-related
    • Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.) > Other states’ insurance
    • Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.) > Employers Liability
    • Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.) > Exclusive remedy
    • Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.) > 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)
  • General Knowledge — 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
  • General Knowledge — 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)
  • Idaho Specific Casualty — IDAHO STATUTES, RULES, AND REGULATIONS COMMON TO LIFE, HEALTH/DISABILITY, PROPERTY, CASUALTY, AND PERSONAL LINES INSURANCE
    • Responsibilities of the Director of the Department of Insurance
    • Responsibilities of the Director of the Department of Insurance > Appointment
    • Responsibilities of the Director of the Department of Insurance > General duties and powers
    • Responsibilities of the Director of the Department of Insurance > Examinations
    • Responsibilities of the Director of the Department of Insurance > Hearings/notice of hearings/orders
    • Responsibilities of the Director of the Department of Insurance > Penalties
    • Definitions
    • Definitions > Domestic company
    • Definitions > Foreign company
    • Definitions > Alien company
    • Definitions > Authorized and unauthorized companies/admitted and nonadmitted companies
    • Definitions > Stock and mutual companies and reciprocals
    • Definitions > Certificate of authority
    • Definitions > Transacting insurance
    • Definitions > Negotiate
    • Licensing
    • Licensing > Persons required to be licensed
    • Licensing > Persons required to be licensed > Producer
    • Licensing > Persons required to be licensed > Resident/nonresident
    • Licensing > Persons required to be licensed > Surplus lines
    • Licensing > Persons required to be licensed > Public adjusters
    • Licensing > Producer appointment/termination of appointment
    • Licensing > Obtaining a license
    • Licensing > Obtaining a license > Qualifications
    • Licensing > Obtaining a license > License application
    • Licensing > Obtaining a license > Written examinations
    • Licensing > Obtaining a license > Exemptions/exceptions
    • Licensing > Obtaining a license > License denial/refusal
    • Licensing > Maintaining a license
    • Licensing > Maintaining a license > Continuing education
    • Licensing > Maintaining a license > Change of address/place of business
    • Licensing > Maintaining a license > Fees/renewal
    • Licensing > Maintaining a license > Record keeping
    • Licensing > Maintaining a license > License expiration
    • Licensing > Maintaining a license > Suspension or revocation of licenses/Felony convictions
    • Producer responsibilities
    • Producer responsibilities > Fiduciary capacity
    • Producer responsibilities > Commissions and compensation
    • Producer responsibilities > Charging of fees and disclosure requirements
    • Producer responsibilities > Reporting of actions
    • Insurance contracts
    • Insurance contracts > Filing and approval of policy forms
    • Insurance contracts > Payment of claims
    • Insurance contracts > Power to contract
    • Marketing practices
    • Marketing practices > Unfair claims practices
    • Marketing practices > Unfair methods of competition
    • Marketing practices > Unfair methods of competition > Rebating
    • Marketing practices > Unfair methods of competition > Misrepresentation
    • Marketing practices > Unfair methods of competition > False advertising
    • Marketing practices > Unfair methods of competition > Defamation
    • Marketing practices > Unfair methods of competition > False financial statements
    • Marketing practices > Unfair methods of competition > Boycott, coercion, intimidation
    • Marketing practices > Unfair methods of competition > Unfair discrimination
    • Marketing practices > Unfair methods of competition > Coercion of borrower
    • Marketing practices > Unfair methods of competition > Fraud
    • Marketing practices > Unfair methods of competition > Twisting
    • Marketing practices > Penalties
  • Idaho Specific Casualty — IDAHO STATUTES, RULES, AND REGULATIONS COMMON TO PROPERTY AND CASUALTY INSURANCE ONLY
    • Insurance contracts
    • Insurance contracts > Renewal, nonrenewal, cancellation
    • Insurance contracts > Commercial, homeowners, personal auto, and casualty policies
    • Insurance contracts > Certificate of insurance
    • Countersignature requirements
    • Rate filings
    • Idaho Property and Casualty Guaranty Association Act
    • Insurance Rates and Credit Rating
    • Binders
  • Idaho Specific Casualty — IDAHO STATUTES, RULES, AND REGULATIONS PERTINENT TO CASUALTY INSURANCE ONLY
    • Financial responsibility
    • Financial responsibility > Proof of financial responsibility defined
    • Financial responsibility > Persons required to show proof
    • Financial responsibility > Penalty for noncompliance
    • Financial responsibility > Methods of satisfying financial responsibility
    • Uninsured/underinsured motorists coverage
    • Mature driver
    • Assigned risk plan
    • Worker’s compensation
    • Comparative Negligence
Examination sources

ID Property Producer

Examination outline
  • 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
  • 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
  • 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
  • I. IDAHO STATUTES, RULES, AND REGULATIONS COMMON TO LIFE, HEALTH/DISABILITY, PROPERTY, CASUALTY, AND PERSONAL LINES INSURANCE
    • A. Responsibilities of the Director of the Department of Insurance
    • A. Responsibilities of the Director of the Department of Insurance / 1. Appointment
    • A. Responsibilities of the Director of the Department of Insurance / 2. General duties and powers
    • A. Responsibilities of the Director of the Department of Insurance / 3. Examinations
    • A. Responsibilities of the Director of the Department of Insurance / 4. Hearings/notice of hearings/orders
    • A. Responsibilities of the Director of the Department of Insurance / 5. Penalties
    • B. Definitions
    • B. Definitions / 1. Domestic company
    • B. Definitions / 2. Foreign company
    • B. Definitions / 3. Alien company
    • B. Definitions / 4. Authorized and unauthorized companies/admitted and nonadmitted companies
    • B. Definitions / 5. Stock and mutual companies and reciprocals
    • B. Definitions / 6. Certificate of authority
    • B. Definitions / 7. Transacting insurance
    • B. Definitions / 8. Negotiate
    • C. Licensing
    • C. Licensing / 1. Persons required to be licensed
    • C. Licensing / 1. Persons required to be licensed / a. Producer
    • C. Licensing / 1. Persons required to be licensed / b. Resident/nonresident
    • C. Licensing / 1. Persons required to be licensed / c. Surplus lines
    • C. Licensing / 1. Persons required to be licensed / d. Public adjusters
    • C. Licensing / 2. Producer appointment/termination of appointment
    • C. Licensing / 3. Obtaining a license
    • C. Licensing / 3. Obtaining a license / a. Qualifications
    • C. Licensing / 3. Obtaining a license / b. License application
    • C. Licensing / 3. Obtaining a license / c. Written examinations
    • C. Licensing / 3. Obtaining a license / d. Exemptions/exceptions
    • C. Licensing / 3. Obtaining a license / e. License denial/refusal
    • C. Licensing / 4. Maintaining a license
    • C. Licensing / 4. Maintaining a license / a. Continuing education
    • C. Licensing / 4. Maintaining a license / b. Change of address/place of business
    • C. Licensing / 4. Maintaining a license / c. Fees/renewal
    • C. Licensing / 4. Maintaining a license / d. Record keeping
    • C. Licensing / 4. Maintaining a license / e. License expiration
    • C. Licensing / 4. Maintaining a license / f. Suspension or revocation of licenses/felony convictions
    • D. Producer responsibilities
    • D. Producer responsibilities / 1. Fiduciary capacity
    • D. Producer responsibilities / 2. Commissions and compensation
    • D. Producer responsibilities / 3. Charging of fees and disclosure requirements
    • D. Producer responsibilities / 4. Reporting of actions
    • E. Insurance contracts
    • E. Insurance contracts / 1. Filing and approval of policy forms
    • E. Insurance contracts / 2. Payment of claims
    • E. Insurance contracts / 3. Power to contract
    • F. Marketing practices
    • F. Marketing practices / 1. Unfair claims practices
    • F. Marketing practices / 2. Unfair methods of competition
    • F. Marketing practices / 2. Unfair methods of competition / a. Rebating
    • F. Marketing practices / 2. Unfair methods of competition / b. Misrepresentation
    • F. Marketing practices / 2. Unfair methods of competition / c. False advertising
    • F. Marketing practices / 2. Unfair methods of competition / d. Defamation
    • F. Marketing practices / 2. Unfair methods of competition / e. False financial statements
    • F. Marketing practices / 2. Unfair methods of competition / f. Boycott, coercion, intimidation
    • F. Marketing practices / 2. Unfair methods of competition / g. Unfair discrimination
    • F. Marketing practices / 2. Unfair methods of competition / h. Coercion of borrower
    • F. Marketing practices / 2. Unfair methods of competition / i. Fraud
    • F. Marketing practices / 2. Unfair methods of competition / j. Twisting
    • F. Marketing practices / 3. Penalties
  • II. IDAHO STATUTES, RULES, AND REGULATIONS COMMON TO PROPERTY AND CASUALTY INSURANCE ONLY
    • A. Insurance contracts
    • A. Insurance contracts / 1. Renewal, nonrenewal, cancellation
    • A. Insurance contracts / 2. Commercial, homeowners, personal auto, and casualty policies
    • A. Insurance contracts / 3. Certificate of insurance
    • B. Countersignature requirements
    • C. Rate filings
    • D. Idaho Property and Casualty Guaranty Association Act
    • E. Insurance Rates and Credit Rating
    • F. Binders
  • III. IDAHO STATUTES, RULES, AND REGULATIONS PERTINENT TO PROPERTY INSURANCE ONLY
    • A. Standard fire policy
    • B. Marine/inland marine
    • C. National Flood Insurance Program (NFIP)
Examination sources

ID Surety Producer

Examination outline
  • I. INSURANCE TERMS AND RELATED CONCEPTS
    • A. Insurance
    • B. Insurable interest
    • C. Risk
    • D. Hazard
    • E. Peril
    • F. Loss
    • F. Loss / 1. Direct
    • F. Loss / 2. Indirect
    • G. Proximate cause
    • H. Deductible
    • I. Indemnity
    • J. Actual cash value
    • K. Replacement cost
    • L. Limits of liability
    • M. Extensions of coverage
    • N. Additional coverages
    • O. Accident
    • P. Occurrence
    • Q. Cancellation
    • R. Nonrenewal
    • S. Liability
    • T. Negligence
  • II. POLICY PROVISIONS AND CONTRACT LAW
    • A. Insuring agreement
    • B. Conditions
    • C. Exclusions
    • D. Definition of the insured
    • E. Duties of the insured
    • F. Obligations of the insurance company
    • G. Proof of loss
    • H. Notice of claim
    • I. Assignment
    • J. Subrogation
    • K. Arbitration
    • L. Elements of a contract
    • M. Warranties, representations, and concealment
    • N. Binders
    • O. Sources of insurability information
    • P. Fair Credit Reporting Act
  • III. FIDELITY AND SURETY CONTRACTS
    • A. Definition of fidelity and surety
    • B. Parties of a contract
    • C. Obligation of the surety
    • D. Parties to the surety
    • D. Parties to the surety / 1. Principal
    • D. Parties to the surety / 2. Obligee
    • D. Parties to the surety / 3. Surety
    • E. Underwriting considerations
    • F. Premiums and terms of obligations
    • F. Premiums and terms of obligations / 1. Surety
    • F. Premiums and terms of obligations / 2. Fidelity
    • G. Claims
    • H. Power of attorney
  • IV. PURPOSE AND TYPE OF SURETY BONDS
    • A. Public official
    • B. Court
    • B. Court / 1. Judicial
    • C. Fiduciary
    • D. Miscellaneous
    • E. Contract
  • V. PURPOSE AND TYPE OF FIDELITY BONDS
    • A. Individual
    • B. Schedule
    • C. Blanket
    • D. Financial institutions
  • VI. BAIL BONDS
    • A. Surety bail bond
    • B. Surety bond fee
    • C. Types of bail
    • C. Types of bail / 1. Real property
    • C. Types of bail / 2. Cash
    • D. Acceptable collateral
    • E. Appeal bonds
    • F. Appointing company’s underwriting standard
  • VII. IDAHO STATUTES, RULES, AND REGULATIONS COMMON TO LIFE, HEALTH/DISABILITY, PROPERTY, CASUALTY, AND PERSONAL LINES INSURANCE
    • A. Responsibilities of the Director of the Department of Insurance
    • A. Responsibilities of the Director of the Department of Insurance / 1. Appointment
    • A. Responsibilities of the Director of the Department of Insurance / 2. General duties and powers
    • A. Responsibilities of the Director of the Department of Insurance / 3. Examinations
    • A. Responsibilities of the Director of the Department of Insurance / 4. Hearings/notice of hearings/orders
    • A. Responsibilities of the Director of the Department of Insurance / 5. Penalties
    • B. Definitions
    • B. Definitions / 1. Domestic, foreign, and alien companies
    • B. Definitions / 2. Authorized and unauthorized companies/admitted and nonadmitted companies
    • B. Definitions / 3. Stock and mutual companies and reciprocals
    • B. Definitions / 4. Certificate of authority
    • B. Definitions / 5. Transacting insurance
    • C. Licensing
    • C. Licensing / 1. Persons required to be licensed
    • C. Licensing / 1. Persons required to be licensed / a. Producer
    • C. Licensing / 1. Persons required to be licensed / b. Resident/nonresident
    • C. Licensing / 1. Persons required to be licensed / c. Adjuster
    • C. Licensing / 1. Persons required to be licensed / d. Surplus lines
    • C. Licensing / 2. Producer appointment/termination of appointment
    • C. Licensing / 3. Obtaining a license
    • C. Licensing / 3. Obtaining a license / a. Qualifications
    • C. Licensing / 3. Obtaining a license / b. License application
    • C. Licensing / 3. Obtaining a license / c. Written examinations
    • C. Licensing / 3. Obtaining a license / d. Exemptions/exceptions
    • C. Licensing / 3. Obtaining a license / e. License denial/refusal
    • C. Licensing / 4. Maintaining a license
    • C. Licensing / 4. Maintaining a license / a. Continuing education
    • C. Licensing / 4. Maintaining a license / b. Change of address/place of business
    • C. Licensing / 4. Maintaining a license / c. Fees/renewal
    • C. Licensing / 4. Maintaining a license / d. Record keeping
    • C. Licensing / 4. Maintaining a license / e. License expiration
    • C. Licensing / 4. Maintaining a license / f. Suspension or revocation of licenses/felony convictions
    • D. Producer responsibilities
    • D. Producer responsibilities / 1. Fiduciary capacity
    • D. Producer responsibilities / 2. Commissions and compensation
    • D. Producer responsibilities / 3. Reporting of actions
    • E. Insurance contracts
    • E. Insurance contracts / 1. Filing and approval of policy forms
    • E. Insurance contracts / 2. Payment of claims
    • E. Insurance contracts / 3. Power to contract
    • F. Marketing practices
    • F. Marketing practices / 1. Unfair claims practices
    • F. Marketing practices / 2. Unfair methods of competition
    • F. Marketing practices / 2. Unfair methods of competition / a. Rebating
    • F. Marketing practices / 2. Unfair methods of competition / b. Misrepresentation
    • F. Marketing practices / 2. Unfair methods of competition / c. False advertising
    • F. Marketing practices / 2. Unfair methods of competition / d. Defamation
    • F. Marketing practices / 2. Unfair methods of competition / e. False financial statements
    • F. Marketing practices / 2. Unfair methods of competition / f. Boycott, coercion, intimidation
    • F. Marketing practices / 2. Unfair methods of competition / g. Unfair discrimination
    • F. Marketing practices / 2. Unfair methods of competition / h. Coercion of borrower
    • F. Marketing practices / 2. Unfair methods of competition / i. Fraud
    • F. Marketing practices / 3. Penalties
  • VIII. IDAHO STATUTES, RULES, AND REGULATIONS COMMON TO PROPERTY AND CASUALTY INSURANCE ONLY
    • A. Insurance contracts
    • A. Insurance contracts / 1. Renewal, nonrenewal, cancellation
    • B. Countersignature requirements
    • C. Rate filings
    • D. Idaho Property and Casualty Guaranty Association act
Examination sources