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Minnesota Property & Casualty Insurance — Requirements & Free Practice

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Insurance Producer

Individual producer license with property, casualty, or both lines of authority. Personal lines and farm property/liability limited authority are recorded separately. A passing score remains valid for three years; prelicense-education exemptions do not exempt an applicant from the examination.

Licensing authority: Minnesota Department of Commerce · Application information

Add a line of authority to an existing resident producer license
Minnesota Casualty Producer Examination
Age
At least 18 years old (60K.37, subdivision 2).
Application
Apply through Sircon after passing; current fingerprints and the required application information must be provided.
Appointment
Insurer appointment is required to transact business, although the license may be obtained before appointment.
Background Check
Consent to criminal history check, submit fingerprints and pay the required background-check fee.
Education Exemptions
Two-year Minnesota vocational insurance degree, four-year business degree with insurance emphasis, or current AAI, ARM, CIC or CPCU designation exempts the property, casualty or personal-lines applicant from prelicensing education only.
Education Proof
Provide a paper course completion certificate or qualifying degree/designation/prior-license documentation and ensure the approved course provider reports completion; a Personal Lines exam needs Personal Lines education, not a Property/Casualty certificate.
Existing License
Active Minnesota resident producer license with the Property line; seek the additional casualty line.
Fingerprint Rule
Commerce states that an existing licensee adding a line must submit fingerprints.
Fitness
No act constituting a ground for license denial, suspension or revocation; truthful Uniform Application and required fees.
Prelicense Education
Complete 20 hours per major line before taking the examination; 40 hours when seeking both property and casualty. A previously licensed Minnesota applicant for the same line is exempt from the course.
Residency
Resident means Minnesota residence or principal place of business; electing resident status precludes holding another resident license.
Score Age
Examination results are valid for three years from the examination date (60K.36, subdivision 6).
Add a line of authority to an existing resident producer license
Property Producer (practice unavailable)
Age
At least 18 years old (60K.37, subdivision 2).
Application
Apply through Sircon after passing; current fingerprints and the required application information must be provided.
Appointment
Insurer appointment is required to transact business, although the license may be obtained before appointment.
Background Check
Consent to criminal history check, submit fingerprints and pay the required background-check fee.
Education Exemptions
Two-year Minnesota vocational insurance degree, four-year business degree with insurance emphasis, or current AAI, ARM, CIC or CPCU designation exempts the property, casualty or personal-lines applicant from prelicensing education only.
Education Proof
Provide a paper course completion certificate or qualifying degree/designation/prior-license documentation and ensure the approved course provider reports completion; a Personal Lines exam needs Personal Lines education, not a Property/Casualty certificate.
Existing License
Active Minnesota resident producer license with the Casualty line; seek the additional property line.
Fingerprint Rule
Commerce states that an existing licensee adding a line must submit fingerprints.
Fitness
No act constituting a ground for license denial, suspension or revocation; truthful Uniform Application and required fees.
Prelicense Education
Complete 20 hours per major line before taking the examination; 40 hours when seeking both property and casualty. A previously licensed Minnesota applicant for the same line is exempt from the course.
Residency
Resident means Minnesota residence or principal place of business; electing resident status precludes holding another resident license.
Score Age
Examination results are valid for three years from the examination date (60K.36, subdivision 6).
Resident initial licensure by examination
Minnesota Casualty Producer Examination
Age
At least 18 years old (60K.37, subdivision 2).
Application
Apply through Sircon after passing; current fingerprints and the required application information must be provided.
Appointment
Insurer appointment is required to transact business, although the license may be obtained before appointment.
Background Check
Consent to criminal history check, submit fingerprints and pay the required background-check fee.
Education Exemptions
Two-year Minnesota vocational insurance degree, four-year business degree with insurance emphasis, or current AAI, ARM, CIC or CPCU designation exempts the property, casualty or personal-lines applicant from prelicensing education only.
Education Proof
Provide a paper course completion certificate or qualifying degree/designation/prior-license documentation and ensure the approved course provider reports completion; a Personal Lines exam needs Personal Lines education, not a Property/Casualty certificate.
Fitness
No act constituting a ground for license denial, suspension or revocation; truthful Uniform Application and required fees.
Line Of Authority
Casualty
Prelicense Education
Complete 20 hours per major line before taking the examination; 40 hours when seeking both property and casualty. A previously licensed Minnesota applicant for the same line is exempt from the course.
Residency
Resident means Minnesota residence or principal place of business; electing resident status precludes holding another resident license.
Score Age
Examination results are valid for three years from the examination date (60K.36, subdivision 6).
Resident initial licensure by examination

At least one of the following alternatives:

Age
At least 18 years old (60K.37, subdivision 2).
Application
Apply through Sircon after passing; current fingerprints and the required application information must be provided.
Appointment
Insurer appointment is required to transact business, although the license may be obtained before appointment.
Background Check
Consent to criminal history check, submit fingerprints and pay the required background-check fee.
Education Exemptions
Two-year Minnesota vocational insurance degree, four-year business degree with insurance emphasis, or current AAI, ARM, CIC or CPCU designation exempts the property, casualty or personal-lines applicant from prelicensing education only.
Education Proof
Provide a paper course completion certificate or qualifying degree/designation/prior-license documentation and ensure the approved course provider reports completion; a Personal Lines exam needs Personal Lines education, not a Property/Casualty certificate.
Fitness
No act constituting a ground for license denial, suspension or revocation; truthful Uniform Application and required fees.
Line Of Authority
Property and Casualty
Prelicense Education
Complete 20 hours per major line before taking the examination; 40 hours when seeking both property and casualty. A previously licensed Minnesota applicant for the same line is exempt from the course.
Residency
Resident means Minnesota residence or principal place of business; electing resident status precludes holding another resident license.
Score Age
Examination results are valid for three years from the examination date (60K.36, subdivision 6).
Nonresident licensure by reciprocity
No examination is required for this applicant pathway.
Application
Submit home-state application or Uniform Application, request licensure through Sircon and pay fees.
Appointment
An insurer appointment is required to transact business.
Home State License
Active resident license in good standing for every requested line, verified on NAIC Producer Database.
License Continuity
The Minnesota nonresident license terminates when the resident license terminates.
Line Of Authority
Property, Casualty, or both
Reciprocity
Home jurisdiction licenses Minnesota residents on the same basis.

Official no-examination sources

Effective from 2026-09-22.

Resident licensure based on a same line license held elsewhere
No examination is required for this applicant pathway.
Application
Apply on Sircon. Commerce’s implementing page states: "Applicants coming from another state are exempt from taking MN pre-licensing or passing the MN exam if application for the MN resident license is made within 90 days of the resident license going inactive." The statute additionally covers currently licensed applicants and the stated residence-based 90-day relocation rule.
Background Check
Submit fingerprints for the resident-license criminal history record check.
Education
No prelicensing education or Minnesota examination under the applicable 60K.40 exemption.
Eligibility
Previously licensed for the same requested lines: currently licensed elsewhere, or apply within 90 days of cancellation with prior-state certification or Producer Database proof of good standing.
Line Of Authority
Property, Casualty, or both

Official no-examination sources

Effective from 2026-09-22.

Reapplication after more than one year expired
Minnesota Casualty Producer Examination
Age
At least 18 years old (60K.37, subdivision 2).
Application
Apply through Sircon after passing; current fingerprints and the required application information must be provided.
Appointment
Insurer appointment is required to transact business, although the license may be obtained before appointment.
Background Check
Consent to criminal history check, submit fingerprints and pay the required background-check fee.
Education Exemptions
Two-year Minnesota vocational insurance degree, four-year business degree with insurance emphasis, or current AAI, ARM, CIC or CPCU designation exempts the property, casualty or personal-lines applicant from prelicensing education only.
Education Proof
Provide a paper course completion certificate or qualifying degree/designation/prior-license documentation and ensure the approved course provider reports completion; a Personal Lines exam needs Personal Lines education, not a Property/Casualty certificate.
Fitness
No act constituting a ground for license denial, suspension or revocation; truthful Uniform Application and required fees.
License Status
Former individual license expired more than one year; retest, get fingerprinted and reapply.
Line Of Authority
Casualty
Prelicense Education
Previously licensed for the same Minnesota line: prelicense study is waived under 60K.36, subdivision 4.
Residency
Resident means Minnesota residence or principal place of business; electing resident status precludes holding another resident license.
Score Age
Examination results are valid for three years from the examination date (60K.36, subdivision 6).
Waiver
An applicant with military service or other extenuating circumstances may request an examination waiver under 60K.38, subdivision 4.
Reapplication after more than one year expired

At least one of the following alternatives:

Age
At least 18 years old (60K.37, subdivision 2).
Application
Apply through Sircon after passing; current fingerprints and the required application information must be provided.
Appointment
Insurer appointment is required to transact business, although the license may be obtained before appointment.
Background Check
Consent to criminal history check, submit fingerprints and pay the required background-check fee.
Education Exemptions
Two-year Minnesota vocational insurance degree, four-year business degree with insurance emphasis, or current AAI, ARM, CIC or CPCU designation exempts the property, casualty or personal-lines applicant from prelicensing education only.
Education Proof
Provide a paper course completion certificate or qualifying degree/designation/prior-license documentation and ensure the approved course provider reports completion; a Personal Lines exam needs Personal Lines education, not a Property/Casualty certificate.
Fitness
No act constituting a ground for license denial, suspension or revocation; truthful Uniform Application and required fees.
License Status
Former individual license expired more than one year; retest, get fingerprinted and reapply.
Line Of Authority
Property and Casualty
Prelicense Education
Previously licensed for the same Minnesota line: prelicense study is waived under 60K.36, subdivision 4.
Residency
Resident means Minnesota residence or principal place of business; electing resident status precludes holding another resident license.
Score Age
Examination results are valid for three years from the examination date (60K.36, subdivision 6).
Waiver
An applicant with military service or other extenuating circumstances may request an examination waiver under 60K.38, subdivision 4.
Reapplication after more than one year expired
Property Producer (practice unavailable)
Age
At least 18 years old (60K.37, subdivision 2).
Application
Apply through Sircon after passing; current fingerprints and the required application information must be provided.
Appointment
Insurer appointment is required to transact business, although the license may be obtained before appointment.
Background Check
Consent to criminal history check, submit fingerprints and pay the required background-check fee.
Education Exemptions
Two-year Minnesota vocational insurance degree, four-year business degree with insurance emphasis, or current AAI, ARM, CIC or CPCU designation exempts the property, casualty or personal-lines applicant from prelicensing education only.
Education Proof
Provide a paper course completion certificate or qualifying degree/designation/prior-license documentation and ensure the approved course provider reports completion; a Personal Lines exam needs Personal Lines education, not a Property/Casualty certificate.
Fitness
No act constituting a ground for license denial, suspension or revocation; truthful Uniform Application and required fees.
License Status
Former individual license expired more than one year; retest, get fingerprinted and reapply.
Line Of Authority
Property
Prelicense Education
Previously licensed for the same Minnesota line: prelicense study is waived under 60K.36, subdivision 4.
Residency
Resident means Minnesota residence or principal place of business; electing resident status precludes holding another resident license.
Score Age
Examination results are valid for three years from the examination date (60K.36, subdivision 6).
Waiver
An applicant with military service or other extenuating circumstances may request an examination waiver under 60K.38, subdivision 4.
Reinstatement within twelve months of lapse
No examination is required for this applicant pathway.
Continuing Education
CE compliant before approval.
Deadline
Within 12 months of the renewal-fee due date.
Fees
Pay twice the unpaid renewal fee as the late-renewal penalty.
Fingerprints
Commerce says no new fingerprints are required for reinstatement before the deadline.

Official no-examination sources

Effective from 2026-09-22.

Resident licensure based on a same line license held elsewhere
No examination is required for this applicant pathway.
Application
Apply on Sircon. Commerce’s implementing page states: "Applicants coming from another state are exempt from taking MN pre-licensing or passing the MN exam if application for the MN resident license is made within 90 days of the resident license going inactive." The statute additionally covers currently licensed applicants and the stated residence-based 90-day relocation rule.
Background Check
Submit fingerprints for the resident-license criminal history record check.
Education
No prelicensing education or Minnesota examination under the applicable 60K.40 exemption.
Eligibility
Move to Minnesota from a jurisdiction where already licensed for the same lines and apply within 90 days of establishing Minnesota legal residence.
Line Of Authority
Property, Casualty, or both

Official no-examination sources

Effective from 2026-09-22.

Renewal
No examination is required for this applicant pathway.
Continuing Education
Resident individual: 24 accredited hours per licensing period including 3 ethics hours; at most half may be insurer-affiliated coursework. Nonresident home-state CE satisfies Minnesota CE when reciprocally recognized under 60K.53, subdivision 2.
License Status
Existing license remains effective unless suspended/revoked; pay renewal fees and provide required additional documentation by the renewal date.
Processing
Renew on Sircon no more than 90 days before expiration; CE transcript must show compliance on or before expiration.

Official no-examination sources

Effective from 2026-09-22.

Renewal with discretionary procedural waiver
No examination is required for this applicant pathway.
Discretion
Request the commissioner’s waiver; relief from renewal procedures, examination requirements or fines is discretionary and is not automatic.
Eligibility
Military service or other extenuating circumstance, including long-term medical disability, prevents compliance with renewal procedures.

Official no-examination sources

Effective from 2026-09-22.

Resident initial licensure by examination
Property Producer (practice unavailable)
Age
At least 18 years old (60K.37, subdivision 2).
Application
Apply through Sircon after passing; current fingerprints and the required application information must be provided.
Appointment
Insurer appointment is required to transact business, although the license may be obtained before appointment.
Background Check
Consent to criminal history check, submit fingerprints and pay the required background-check fee.
Education Exemptions
Two-year Minnesota vocational insurance degree, four-year business degree with insurance emphasis, or current AAI, ARM, CIC or CPCU designation exempts the property, casualty or personal-lines applicant from prelicensing education only.
Education Proof
Provide a paper course completion certificate or qualifying degree/designation/prior-license documentation and ensure the approved course provider reports completion; a Personal Lines exam needs Personal Lines education, not a Property/Casualty certificate.
Fitness
No act constituting a ground for license denial, suspension or revocation; truthful Uniform Application and required fees.
Line Of Authority
Property
Prelicense Education
Complete 20 hours per major line before taking the examination; 40 hours when seeking both property and casualty. A previously licensed Minnesota applicant for the same line is exempt from the course.
Residency
Resident means Minnesota residence or principal place of business; electing resident status precludes holding another resident license.
Score Age
Examination results are valid for three years from the examination date (60K.36, subdivision 6).

Minnesota Casualty Producer Examination

Provider
PSI Services LLC
Format
Computer-administered written examination
Exam questions
75 scored questions plus 10 pretest questions
Time limit
2 hours
Passing score
70% correct
Exam fee
$45
Examination outline
  • Casualty — General Knowledge — Product Knowledge, Terms, and Concepts — Types of Policies, Bonds, and Related Terms - 23 items
    • 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
    • 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
    • Businessowners Policy (BOP)
  • Casualty — General Knowledge — Product Knowledge, Terms, and Concepts — Insurance Terms and Related Concepts - 15 items
    • 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 — General Knowledge — Product Knowledge, Terms, and Concepts — Policy Provisions - 12 items
    • 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)
  • Minnesota Specific — State Laws, Rules, and Regulations — Minnesota Laws, Rules, and Regulations Common to Life, Health, Property, and Casualty Insurance - 20 items
    • Powers and Duties of the Commissioner
    • Powers and Duties of the Commissioner — Broad Powers
    • Powers and Duties of the Commissioner — Examination of Records
    • Powers and Duties of the Commissioner — Notice and Hearing
    • Powers and Duties of the Commissioner — Forms and Rate Review
    • Definitions
    • Definitions — Domestic and Foreign
    • Definitions — Stock and Mutual
    • Definitions — Certificate of Authority
    • Licensing and Appointments
    • Licensing and Appointments — Educational Requirements
    • Licensing and Appointments — Educational Requirements — Prelicensing
    • Licensing and Appointments — Educational Requirements — Continuing Education
    • Licensing and Appointments — Educational Requirements — Flood
    • Licensing and Appointments — Types of Licenses
    • Licensing and Appointments — Types of Licenses — Producer
    • Licensing and Appointments — Types of Licenses — Temporary
    • Licensing and Appointments — Types of Licenses — Nonresident
    • Licensing and Appointments — Types of Licenses — Agency
    • Licensing and Appointments — Types of Licenses — Managing General Agent
    • Licensing and Appointments — Types of Licenses — Surplus Lines
    • Licensing and Appointments — Termination of License
    • Licensing and Appointments — Termination of License — Expiration
    • Licensing and Appointments — Termination of License — Revocation or Suspension
    • Licensing and Appointments — Appointment and termination of appointment
    • Licensing and Appointments — Maintenance and Duration of License
    • Trade Practices
    • Trade Practices — Prohibited Practices
    • Trade Practices — Prohibited Practices — Unfair Claims Settlement Methods and Practices
    • Trade Practices — Prohibited Practices — Rebating
    • Trade Practices — Prohibited Practices — Misrepresentation
    • Trade Practices — Prohibited Practices — Defamation
    • Trade Practices — Prohibited Practices — Discrimination
    • Trade Practices — Prohibited Practices — Penalties
    • Trade Practices — Prohibited Practices — Misappropriation or Conversion of Funds
    • Trade Practices — Prohibited Practices — Forgery
    • Trade Practices — Compensation of Licensees
    • Trade Practices — Compensation of Licensees — Commissions
    • Trade Practices — Compensation of Licensees — Fees for Service
    • Trade Practices — Advertising
    • Trade Practices — Agent Conduct and Insurance Marketing Standards
    • Trade Practices — Required Disclosures
    • Guaranty Association
    • Guaranty Association — Notice of Policyholder Rights
  • Minnesota Specific — State Laws, Rules, and Regulations — Minnesota Laws, Rules, and Regulations Pertinent to Casualty Insurance Only - 5 items
    • Automobile Insurance
    • Automobile Insurance — Minnesota No-Fault Automobile Insurance Act
    • Automobile Insurance — Minnesota No-Fault Automobile Insurance Act — Purpose
    • Automobile Insurance — Minnesota No-Fault Automobile Insurance Act — Proof of Insurance
    • Automobile Insurance — Minnesota No-Fault Automobile Insurance Act — Required Limits and Coverages
    • Automobile Insurance — Minnesota No-Fault Automobile Insurance Act — Required Limits and Coverages — Bodily Injury and Property Damage
    • Automobile Insurance — Minnesota No-Fault Automobile Insurance Act — Required Limits and Coverages — Basic Economic Loss Benefits (personal injury protection)
    • Automobile Insurance — Minnesota No-Fault Automobile Insurance Act — Required Limits and Coverages — Uninsured and Underinsured Motorists
    • Automobile Insurance — Minnesota No-Fault Automobile Insurance Act — Right to Sue
    • Automobile Insurance — Minnesota No-Fault Automobile Insurance Act — Payment of Claims
    • Automobile Insurance — Minnesota No-Fault Automobile Insurance Act — Payment of Claims — Time Limitations
    • Automobile Insurance — Minnesota No-Fault Automobile Insurance Act — Payment of Claims — Assigned Claims Plan
    • Automobile Insurance — Minnesota No-Fault Automobile Insurance Act — Payment of Claims — Primacy
    • Automobile Insurance — Renewal, Nonrenewal, and Cancellation
    • Automobile Insurance — Surcharge Disclosure
    • Automobile Insurance — Minnesota Automobile Insurance Plan (assigned risk)
    • Automobile Insurance — Comparative Negligence
    • Automobile Insurance — Auto Stacking
    • Workers' Compensation
    • Workers' Compensation — Purpose
    • Workers' Compensation — Definitions
    • Workers' Compensation — Requirements
    • Workers' Compensation — Benefits
    • Workers' Compensation — Assigned Risk Plan
Examination sources

Property & Casualty Producer

Provider
PSI Services LLC
Format
Computer-administered written examination
Exam questions
130 scored questions plus 15 pretest questions
Time limit
3 hours
Passing score
70% correct
Exam fee
$45
Examination outline
  • Property — General Knowledge — Product Knowledge, Terms, and Concepts — Types of Policies - 22 items
    • Homeowners
    • Homeowners — HO-2
    • Homeowners — HO-3
    • Homeowners — HO-4
    • Homeowners — HO-5
    • Homeowners — HO-6
    • Homeowners — HO-8
    • Dwelling policies
    • Dwelling policies — DP-1
    • Dwelling policies — DP-2
    • Dwelling policies — DP-3
    • Commercial Lines
    • Commercial Lines — Commercial Package Policy (CPP)
    • Commercial Lines — Commercial Property
    • Commercial Lines — Commercial Property — Commercial Building and Business 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
    • Businessowners Policy (BOP)
    • Builders Risk
    • Cyber First-Party Coverage
    • Inland Marine
    • Inland Marine — Personal Articles Floaters
    • Inland Marine — Commercial Property Floaters
    • National Flood Insurance Program
    • Others
    • Others — Mobile Homes
    • Others — Earthquake
    • Others — Watercraft
    • Others — Farm Owners
    • Others — Windstorm
  • Property — General Knowledge — Product Knowledge, Terms, and Concepts — Insurance Terms and Related Concepts - 15 items
    • 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 — Stated/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 — General Knowledge — Product Knowledge, Terms, and Concepts — Policy Provisions and Contract Law - 13 items
    • 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
    • Elements of a Contract
    • Subrogation
    • 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 — General Knowledge — Product Knowledge, Terms, and Concepts — Types of Policies, Bonds, and Related Terms - 23 items
    • 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
    • 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
    • Businessowners Policy (BOP)
  • Casualty — General Knowledge — Product Knowledge, Terms, and Concepts — Insurance Terms and Related Concepts - 15 items
    • 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 — General Knowledge — Product Knowledge, Terms, and Concepts — Policy Provisions - 12 items
    • 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)
  • Minnesota Specific — State Laws, Rules, and Regulations — Minnesota Laws, Rules, and Regulations Common to Life, Health, Property, and Casualty Insurance - 20 items
    • Powers and Duties of the Commissioner
    • Powers and Duties of the Commissioner — Broad Powers
    • Powers and Duties of the Commissioner — Examination of Records
    • Powers and Duties of the Commissioner — Notice and Hearing
    • Powers and Duties of the Commissioner — Forms and Rate Review
    • Definitions
    • Definitions — Domestic and Foreign
    • Definitions — Stock and Mutual
    • Definitions — Certificate of Authority
    • Licensing and Appointments
    • Licensing and Appointments — Educational Requirements
    • Licensing and Appointments — Educational Requirements — Prelicensing
    • Licensing and Appointments — Educational Requirements — Continuing Education
    • Licensing and Appointments — Educational Requirements — Flood
    • Licensing and Appointments — Types of Licenses
    • Licensing and Appointments — Types of Licenses — Producer
    • Licensing and Appointments — Types of Licenses — Temporary
    • Licensing and Appointments — Types of Licenses — Nonresident
    • Licensing and Appointments — Types of Licenses — Agency
    • Licensing and Appointments — Types of Licenses — Managing General Agent
    • Licensing and Appointments — Types of Licenses — Surplus Lines
    • Licensing and Appointments — Termination of License
    • Licensing and Appointments — Termination of License — Expiration
    • Licensing and Appointments — Termination of License — Revocation or Suspension
    • Licensing and Appointments — Appointment and termination of appointment
    • Licensing and Appointments — Maintenance and Duration of License
    • Trade Practices
    • Trade Practices — Prohibited Practices
    • Trade Practices — Prohibited Practices — Unfair Claims Settlement Methods and Practices
    • Trade Practices — Prohibited Practices — Rebating
    • Trade Practices — Prohibited Practices — Misrepresentation
    • Trade Practices — Prohibited Practices — Defamation
    • Trade Practices — Prohibited Practices — Discrimination
    • Trade Practices — Prohibited Practices — Penalties
    • Trade Practices — Prohibited Practices — Misappropriation or Conversion of Funds
    • Trade Practices — Prohibited Practices — Forgery
    • Trade Practices — Compensation of Licensees
    • Trade Practices — Compensation of Licensees — Commissions
    • Trade Practices — Compensation of Licensees — Fees for Service
    • Trade Practices — Advertising
    • Trade Practices — Agent Conduct and Insurance Marketing Standards
    • Trade Practices — Required Disclosures
    • Guaranty Association
    • Guaranty Association — Notice of Policyholder Rights
  • Minnesota Specific — State Laws, Rules, and Regulations — Minnesota Laws, Rules, and Regulations Pertinent to Property Insurance Only - 5 items
    • Definition of Adjusters
    • Minnesota Standard Fire Policy
    • FAIR Plan
    • FAIR Plan — Purpose
    • FAIR Plan — Definitions
    • FAIR Plan — Eligibility
    • FAIR Plan — Application Procedure
    • Homeowners
    • Homeowners — Cancellation and Nonrenewal
    • Homeowners — Coverage and Claims
    • Binders
  • Minnesota Specific — State Laws, Rules, and Regulations — Minnesota Laws, Rules, and Regulations Pertinent to Casualty Insurance Only - 5 items
    • Automobile Insurance
    • Automobile Insurance — Minnesota No-Fault Automobile Insurance Act
    • Automobile Insurance — Minnesota No-Fault Automobile Insurance Act — Purpose
    • Automobile Insurance — Minnesota No-Fault Automobile Insurance Act — Proof of Insurance
    • Automobile Insurance — Minnesota No-Fault Automobile Insurance Act — Required Limits and Coverages
    • Automobile Insurance — Minnesota No-Fault Automobile Insurance Act — Required Limits and Coverages — Bodily Injury and Property Damage
    • Automobile Insurance — Minnesota No-Fault Automobile Insurance Act — Required Limits and Coverages — Basic Economic Loss Benefits (personal injury protection)
    • Automobile Insurance — Minnesota No-Fault Automobile Insurance Act — Required Limits and Coverages — Uninsured and Underinsured Motorists
    • Automobile Insurance — Minnesota No-Fault Automobile Insurance Act — Right to Sue
    • Automobile Insurance — Minnesota No-Fault Automobile Insurance Act — Payment of Claims
    • Automobile Insurance — Minnesota No-Fault Automobile Insurance Act — Payment of Claims — Time Limitations
    • Automobile Insurance — Minnesota No-Fault Automobile Insurance Act — Payment of Claims — Assigned Claims Plan
    • Automobile Insurance — Minnesota No-Fault Automobile Insurance Act — Payment of Claims — Primacy
    • Automobile Insurance — Renewal, Nonrenewal, and Cancellation
    • Automobile Insurance — Surcharge Disclosure
    • Automobile Insurance — Minnesota Automobile Insurance Plan (assigned risk)
    • Automobile Insurance — Comparative Negligence
    • Automobile Insurance — Auto Stacking
    • Workers' Compensation
    • Workers' Compensation — Purpose
    • Workers' Compensation — Definitions
    • Workers' Compensation — Requirements
    • Workers' Compensation — Benefits
    • Workers' Compensation — Assigned Risk Plan
Examination sources

Property Producer

Provider
PSI Services LLC
Format
Computer-administered written examination; general knowledge and Minnesota-specific content belong to this one paper.
Exam questions
75 scored questions and 10 pretest questions: 50 scored plus 5 pretest general; 25 scored plus 5 pretest state.
Time limit
2 hours
Passing score
70% correct
Examination outline
  • Property — General Knowledge — Types of Policies - 22 items
    • Homeowners
    • Homeowners — HO-2
    • Homeowners — HO-3
    • Homeowners — HO-4
    • Homeowners — HO-5
    • Homeowners — HO-6
    • Homeowners — HO-8
    • Dwelling policies
    • Dwelling policies — DP-1
    • Dwelling policies — DP-2
    • Dwelling policies — DP-3
    • Commercial Lines
    • Commercial Lines — Commercial Package Policy (CPP)
    • Commercial Lines — Commercial Property
    • Commercial Lines — Commercial Property — Commercial Building and Business 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
    • Businessowners Policy (BOP)
    • Builders Risk
    • Cyber First-Party Coverage
    • Inland Marine
    • Inland Marine — Personal Articles Floaters
    • Inland Marine — Commercial Property Floaters
    • National Flood Insurance Program
    • Others
    • Others — Mobile Homes
    • Others — Earthquake
    • Others — Watercraft
    • Others — Farm Owners
    • Others — Windstorm
  • Property — General Knowledge — Insurance Terms and Related Concepts - 15 items
    • 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 — Replacement Cost — Market value
    • Loss Valuation — Replacement Cost — Stated/agreed value
    • Loss Valuation — Replacement Cost — 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 — General Knowledge — Policy Provisions and Contract Law - 13 items
    • 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
  • Property — Minnesota Specific — Minnesota Laws, Rules, and Regulations Common to Life, Health, Property, and Casualty Insurance - 20 items
    • Powers and Duties of the Commissioner
    • Powers and Duties of the Commissioner — Broad Powers
    • Powers and Duties of the Commissioner — Examination of Records
    • Powers and Duties of the Commissioner — Notice and Hearing
    • Powers and Duties of the Commissioner — Forms and Rate Review
    • Definitions
    • Definitions — Domestic and Foreign
    • Definitions — Stock and Mutual
    • Definitions — Certificate of Authority
    • Licensing and Appointments
    • Licensing and Appointments — Educational Requirements
    • Licensing and Appointments — Educational Requirements — Prelicensing
    • Licensing and Appointments — Educational Requirements — Continuing Education
    • Licensing and Appointments — Educational Requirements — Flood
    • Licensing and Appointments — Types of Licenses
    • Licensing and Appointments — Types of Licenses — Producer
    • Licensing and Appointments — Types of Licenses — Temporary
    • Licensing and Appointments — Types of Licenses — Nonresident
    • Licensing and Appointments — Types of Licenses — Agency
    • Licensing and Appointments — Types of Licenses — Managing General Agent
    • Licensing and Appointments — Types of Licenses — Surplus Lines
    • Licensing and Appointments — Termination of License
    • Licensing and Appointments — Termination of License — Expiration
    • Licensing and Appointments — Termination of License — Revocation or Suspension
    • Licensing and Appointments — Appointment and termination of appointment
    • Licensing and Appointments — Maintenance and Duration of License
    • Trade Practices
    • Trade Practices — Prohibited Practices
    • Trade Practices — Prohibited Practices — Unfair Claims Settlement Methods and Practices
    • Trade Practices — Prohibited Practices — Rebating
    • Trade Practices — Prohibited Practices — Misrepresentation
    • Trade Practices — Prohibited Practices — Defamation
    • Trade Practices — Prohibited Practices — Discrimination
    • Trade Practices — Prohibited Practices — Penalties
    • Trade Practices — Prohibited Practices — Misappropriation or Conversion of Funds
    • Trade Practices — Prohibited Practices — Forgery
    • Trade Practices — Compensation of Licensees
    • Trade Practices — Compensation of Licensees — Commissions
    • Trade Practices — Compensation of Licensees — Fees for Service
    • Trade Practices — Advertising
    • Trade Practices — Agent Conduct and Insurance Marketing Standards
    • Trade Practices — Required Disclosures
    • Guaranty Association
    • Guaranty Association — Notice of Policyholder Rights
  • Property — Minnesota Specific — Minnesota Laws, Rules, and Regulations Pertinent to Property Insurance Only - 5 items
    • Definition of Adjusters
    • Minnesota Standard Fire Policy
    • FAIR Plan
    • FAIR Plan — Purpose
    • FAIR Plan — Definitions
    • FAIR Plan — Eligibility
    • FAIR Plan — Application Procedure
    • Homeowners
    • Homeowners — Cancellation and Nonrenewal
    • Homeowners — Coverage and Claims
    • Binders
Examination sources