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Missouri Property & Casualty Insurance — Requirements & Free Practice

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Insurance Producer

Individual insurance producer license for the property and casualty lines of authority, separately or together. Personal lines and crop are separately identified below.

Licensing authority: Missouri Department of Commerce and Insurance · Application information

Resident initial licensure by examination

At least one of the following alternatives:

Age
At least 18 years old (RSMo 375.015.1(1)).
Application
Submit the truthful and complete uniform individual application and pay the $100 license fee (RSMo 375.015.1).
Fitness
No act constituting grounds for denial, suspension or revocation under RSMo 375.141; disclose criminal history and supply the Department-requested supporting records. A required federal 18 USC 1033 consent is an applicant condition.
Lines of authority
Apply for both property and casualty lines. The combined Series 55 exam or both separate Series 52 and Series 53 exams satisfy the selected lines.
Prelicensing
Missouri does not require pre-licensing courses (Department resident requirements).
Score currency
Apply within one year of passing the examination; otherwise take and pass it again (20 CSR 700-1.010(3)(C); Department Producer Licensing FAQs).
Resident initial licensure by examination
Missouri Casualty Insurance Producer Examination
Age
At least 18 years old (RSMo 375.015.1(1)).
Application
Submit the truthful and complete uniform individual application and pay the $100 license fee (RSMo 375.015.1).
Fitness
No act constituting grounds for denial, suspension or revocation under RSMo 375.141; disclose criminal history and supply the Department-requested supporting records. A required federal 18 USC 1033 consent is an applicant condition.
Lines of authority
Apply for the casualty line only.
Prelicensing
Missouri does not require pre-licensing courses (Department resident requirements).
Score currency
Apply within one year of passing the examination; otherwise take and pass it again (20 CSR 700-1.010(3)(C); Department Producer Licensing FAQs).
Resident initial licensure by examination
Property Insurance Producer (practice unavailable)
Age
At least 18 years old (RSMo 375.015.1(1)).
Application
Submit the truthful and complete uniform individual application and pay the $100 license fee (RSMo 375.015.1).
Fitness
No act constituting grounds for denial, suspension or revocation under RSMo 375.141; disclose criminal history and supply the Department-requested supporting records. A required federal 18 USC 1033 consent is an applicant condition.
Lines of authority
Apply for the property line only.
Prelicensing
Missouri does not require pre-licensing courses (Department resident requirements).
Score currency
Apply within one year of passing the examination; otherwise take and pass it again (20 CSR 700-1.010(3)(C); Department Producer Licensing FAQs).
Reinstatement within twelve months after expiration
No examination is required for this applicant pathway.
Continuing education
Provide proof of required continuing education.
Expiration
Application within twelve months after the renewal-fee due date.
Fees
Pay the requisite renewal fees plus $25 for each month expired.
Fitness
Relicensing remains subject to RSMo 375.141.

Official no-examination sources

Effective from 2003-01-01.

Nonresident reciprocal licensure
No examination is required for this applicant pathway.
Application
Uniform application or home-jurisdiction application, $100 fee, at least age 18; the Department verifies the license through the Producer Database.
Certification conflict
The March 2026 Pearson handbook requests a certification letter unless the home jurisdiction participates in PDB; the Department current nonresident instructions state: "A Certification Letter from the producer’s home state is not required."
Home license
Current resident license in good standing in the home jurisdiction for requested lines; that jurisdiction grants equivalent reciprocal treatment to Missouri residents.

Official no-examination sources

Effective from 2003-01-01.

Nonresident licensure without corresponding home jurisdiction line of authority

At least one of the following alternatives:

Application
Uniform individual application and $100 fee; fitness requirements; identify the requested property, casualty, personal or crop authority.
Home authority
Applicant has not been licensed in the home jurisdiction for the same requested line; 20 CSR 700-1.010(5) requires taking and passing the applicable Missouri examination(s).
Score currency
Apply within one year of the examination under 20 CSR 700-1.010(3)(C).
Nonresident licensure without corresponding home jurisdiction line of authority
Missouri Casualty Insurance Producer Examination
Application
Uniform individual application and $100 fee; fitness requirements; identify the requested property, casualty, personal or crop authority.
Home authority
Applicant has not been licensed in the home jurisdiction for the same requested line; 20 CSR 700-1.010(5) requires taking and passing the applicable Missouri examination(s).
Score currency
Apply within one year of the examination under 20 CSR 700-1.010(3)(C).
Nonresident licensure without corresponding home jurisdiction line of authority
Property Insurance Producer (practice unavailable)
Application
Uniform individual application and $100 fee; fitness requirements; identify the requested property, casualty, personal or crop authority.
Home authority
Applicant has not been licensed in the home jurisdiction for the same requested line; 20 CSR 700-1.010(5) requires taking and passing the applicable Missouri examination(s).
Score currency
Apply within one year of the examination under 20 CSR 700-1.010(3)(C).
Resident licensure based on qualifying prior license
No examination is required for this applicant pathway.
Application
Meet the age, fitness, uniform application and $100 fee requirements; exemption applies only to the same lines previously licensed.
Prior license
Currently licensed for the same requested lines in another jurisdiction, or apply within 90 days after cancellation with certification of good standing at cancellation; the director may verify licensing through NAIC producer records (RSMo 375.016.5).

Official no-examination sources

Effective from 2003-01-01.

  • RSMo Chapter 375

    RSMo 375.016.5

  • Resident

    Requirements for Missouri Resident Insurance Producers

  • Faq

    I have a license in another state: exemption

Resident relicensure after termination or more than twelve months of nonrenewal

At least one of the following alternatives:

Age
At least 18 years old (RSMo 375.015.1(1)).
Application
Submit the truthful and complete uniform individual application and pay the $100 license fee (RSMo 375.015.1).
Fitness
No act constituting grounds for denial, suspension or revocation under RSMo 375.141; disclose criminal history and supply the Department-requested supporting records. A required federal 18 USC 1033 consent is an applicant condition.
Lines of authority
Apply for both property and casualty lines. The combined Series 55 exam or both separate Series 52 and Series 53 exams satisfy the selected lines.
Prelicensing
Missouri does not require pre-licensing courses (Department resident requirements).
Prior license
After twelve months the previous license cannot be late-renewed; file a new application and fulfill examination requirements. Exempt applicants instead use the qualifying prior-license route.
Score currency
Apply within one year of passing the examination; otherwise take and pass it again (20 CSR 700-1.010(3)(C); Department Producer Licensing FAQs).
Resident relicensure after termination or more than twelve months of nonrenewal
Missouri Casualty Insurance Producer Examination
Age
At least 18 years old (RSMo 375.015.1(1)).
Application
Submit the truthful and complete uniform individual application and pay the $100 license fee (RSMo 375.015.1).
Fitness
No act constituting grounds for denial, suspension or revocation under RSMo 375.141; disclose criminal history and supply the Department-requested supporting records. A required federal 18 USC 1033 consent is an applicant condition.
Lines of authority
Apply for the casualty line only.
Prelicensing
Missouri does not require pre-licensing courses (Department resident requirements).
Prior license
After twelve months the previous license cannot be late-renewed; file a new application and fulfill examination requirements. Exempt applicants instead use the qualifying prior-license route.
Score currency
Apply within one year of passing the examination; otherwise take and pass it again (20 CSR 700-1.010(3)(C); Department Producer Licensing FAQs).
Resident relicensure after termination or more than twelve months of nonrenewal
Property Insurance Producer (practice unavailable)
Age
At least 18 years old (RSMo 375.015.1(1)).
Application
Submit the truthful and complete uniform individual application and pay the $100 license fee (RSMo 375.015.1).
Fitness
No act constituting grounds for denial, suspension or revocation under RSMo 375.141; disclose criminal history and supply the Department-requested supporting records. A required federal 18 USC 1033 consent is an applicant condition.
Lines of authority
Apply for the property line only.
Prelicensing
Missouri does not require pre-licensing courses (Department resident requirements).
Prior license
After twelve months the previous license cannot be late-renewed; file a new application and fulfill examination requirements. Exempt applicants instead use the qualifying prior-license route.
Score currency
Apply within one year of passing the examination; otherwise take and pass it again (20 CSR 700-1.010(3)(C); Department Producer Licensing FAQs).
Biennial renewal
No examination is required for this applicant pathway.
Continuing education
Resident property/casualty/personal-lines producers complete 16 hours per biennium, including at least 3 hours of ethics; applicable statutory CE exemptions and waivers remain conditions. Nonresidents satisfy reciprocal home-jurisdiction CE and maintain the home license.
Renewal
Renew on or before the biennial birth-date expiration; pay $100 and submit updated information.

Official no-examination sources

Effective from 2003-01-01.

Resident licensure upon relocating to Missouri
No examination is required for this applicant pathway.
Application
Submit the resident application and $100 fee; meet age and fitness requirements.
Prior license
The Department FAQ requires a current prior license or one held within the preceding 90 days.
Relocation
Apply within 90 days of establishing Missouri residence; exemption is for previously held lines, subject to a contrary regulation under RSMo 375.016.6.

Official no-examination sources

Effective from 2003-01-01.

Missouri Casualty Insurance Producer Examination

Examination outline
  • General knowledge — I. TYPES OF POLICIES, BONDS, AND RELATED TERMS
    • A. Commercial general liability
    • A. Commercial general liability / 1. Exposures
    • A. Commercial general liability / 1. Exposures / a. Premises and Operations
    • A. Commercial general liability / 1. Exposures / b. Products and Completed Operations
    • A. Commercial general liability / 2. Coverage
    • A. Commercial general liability / 2. Coverage / a. Coverage A: Bodily Injury and Property Damage Liability (Occurrence, Claims made including Retroactive Date)
    • A. Commercial general liability / 2. Coverage / b. Coverage B: Personal Injury and Advertising Injury
    • A. Commercial general liability / 2. Coverage / c. Coverage C: Medical Payments
    • A. Commercial general liability / 2. Coverage / d. Supplemental Payments
    • A. Commercial general liability / 2. Coverage / e. Who is an insured
    • A. Commercial general liability / 2. Coverage / f. First named insured
    • A. Commercial general liability / 2. Coverage / g. Limits (Per occurrence, Annual Aggregate)
    • A. Commercial general liability / 2. Coverage / h. Damage to Property of Others
    • B. Automobile: personal auto and business auto
    • B. Automobile: personal auto and business auto / 1. Liability
    • B. Automobile: personal auto and business auto / 1. Liability / a. Bodily Injury
    • B. Automobile: personal auto and business auto / 1. Liability / b. Property Damage
    • B. Automobile: personal auto and business auto / 1. Liability / c. Split Limits
    • B. Automobile: personal auto and business auto / 1. Liability / d. Combined Single Limit
    • B. Automobile: personal auto and business auto / 2. Medical Payments
    • B. Automobile: personal auto and business auto / 3. Physical Damage (collision; other than collision; specified perils)
    • B. Automobile: personal auto and business auto / 4. Uninsured motorists
    • B. Automobile: personal auto and business auto / 5. Underinsured motorists
    • B. Automobile: personal auto and business auto / 6. Who is an insured
    • B. Automobile: personal auto and business auto / 7. Types of Auto
    • B. Automobile: personal auto and business auto / 7. Types of Auto / a. Owned
    • B. Automobile: personal auto and business auto / 7. Types of Auto / b. Non-owned
    • B. Automobile: personal auto and business auto / 7. Types of Auto / c. Hired
    • B. Automobile: personal auto and business auto / 7. Types of Auto / d. Temporary Substitute
    • B. Automobile: personal auto and business auto / 7. Types of Auto / e. Newly Acquired Autos
    • B. Automobile: personal auto and business auto / 7. Types of Auto / f. Transportation Expense and Rental Reimbursement Expense
    • B. Automobile: personal auto and business auto / 8. Auto Dealers, Coverage Form, including Garagekeepers Insurance
    • B. Automobile: personal auto and business auto / 9. Exclusions
    • B. Automobile: personal auto and business auto / 10. Individual Insured and Drive Other Car (DOC)
    • B. Automobile: personal auto and business auto / 11. Mobile equipment
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.)
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.) / 1. Standard policy concepts
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.) / 1. Standard policy concepts / a. Who is an employee/employer
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.) / 1. Standard policy concepts / b. Compensation
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.) / 2. Work-related vs. non-work-related
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.) / 3. Other states’ insurance
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.) / 4. Employers Liability
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.) / 5. Exclusive remedy
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.) / 6. Premium Determination
    • D. Crime
    • D. Crime / 1. Employee Dishonesty
    • D. Crime / 2. Theft
    • D. Crime / 3. Robbery
    • D. Crime / 4. Burglary
    • D. Crime / 5. Forgery and Alteration
    • D. Crime / 6. Mysterious disappearance
    • E. Bonds
    • E. Bonds / 1. Surety
    • E. Bonds / 2. Fidelity
    • F. Professional liability
    • F. Professional liability / 1. Errors and Omissions
    • F. Professional liability / 2. Medical Malpractice
    • F. Professional liability / 3. Directors and Officers (D&O)
    • F. Professional liability / 4. Employment Practices Liability (EPLI)
    • F. Professional liability / 5. Cyber liability and data breach
    • F. Professional liability / 6. Liquor liability
    • G. Umbrella/Excess Liability
    • H. Business Owners Policy (BOP)
  • General knowledge — II. INSURANCE TERMS AND RELATED CONCEPTS
    • A. Risk
    • B. Hazards
    • B. Hazards / 1. Moral
    • B. Hazards / 2. Morale
    • B. Hazards / 3. Physical
    • C. Indemnity
    • D. Insurable interest
    • E. Loss valuation
    • E. Loss valuation / 1. Actual cash value
    • E. Loss valuation / 2. Replacement cost
    • E. Loss valuation / 3. Market value
    • E. Loss valuation / 4. Stated/agreed value
    • E. Loss valuation / 5. Salvage value
    • F. Negligence
    • G. Liability
    • H. Occurrence
    • I. Binders
    • J. Warranties
    • K. Representations
    • L. Concealment
    • M. Deposit Premium/Audit
    • N. Certificate of Insurance
    • O. Law of Large Numbers
    • P. Pure vs. Speculative Risk
    • Q. Endorsements
    • R. Damages
    • R. Damages / 1. Compensatory
    • R. Damages / 1. Compensatory / a. General
    • R. Damages / 1. Compensatory / b. Special
    • R. Damages / 2. Punitive
    • S. Compliance with provisions of Fair Credit Reporting Act
  • General knowledge — III. POLICY PROVISIONS
    • A. Declarations
    • B. Insuring agreement
    • C. Conditions
    • D. Exclusions and Limitations
    • E. Definition of the insured
    • F. Duties of the insured after a loss
    • G. Cancellation and nonrenewal provisions
    • H. Supplementary payments
    • I. Proof of loss
    • J. Notice of claim
    • K. Arbitration
    • L. Other insurance
    • M. Subrogation
    • N. Loss settlement provisions including consent to settle a loss
    • O. Terrorism Risk Insurance Act (TRIA)
  • Missouri statutes, rules, and regulations — COMMON TO ALL LINES — I. DIRECTOR OF COMMERCE AND INSURANCE
    • A. General powers and duties
    • B. Examination of records
    • C. Cease and desist orders
  • Missouri statutes, rules, and regulations — COMMON TO ALL LINES — II. LICENSING REQUIREMENTS
    • A. Persons required to be licensed
    • A. Persons required to be licensed / 1. Producer
    • A. Persons required to be licensed / 2. Nonresident producer
    • A. Persons required to be licensed / 3. Surplus lines producer
    • B. Obtaining a license
    • B. Obtaining a license / 1. Qualifications
    • B. Obtaining a license / 2. Examinations
    • C. Maintaining a license
    • C. Maintaining a license / 1. Continuing education
    • C. Maintaining a license / 2. Change of address
    • C. Maintaining a license / 3. Renewal
    • C. Maintaining a license / 4. Temporary
    • D. License suspension, revocation, denial, cancellation
  • Missouri statutes, rules, and regulations — COMMON TO ALL LINES — III. MARKETING PRACTICES
    • A. Unfair and deceptive practices
    • B. Rebating
    • C. Misrepresentation
    • D. Defamation
    • E. Unfair discrimination
  • Missouri statutes, rules, and regulations — COMMON TO ALL LINES — IV. CERTIFICATE OF AUTHORITY
  • Missouri statutes, rules, and regulations — COMMON TO ALL LINES — V. FIDUCIARY RESPONSIBILITIES
  • Missouri statutes, rules, and regulations — COMMON TO ALL LINES — VI. COMMISSIONS AND COMPENSATION
  • Missouri statutes, rules, and regulations — COMMON TO ALL LINES — VII. MISSOURI INSURANCE GUARANTY ASSOCIATION
  • Missouri statutes, rules, and regulations — PERTINENT TO CASUALTY INSURANCE ONLY — I. MOTOR VEHICLE INSURANCE
    • A. Missouri Automobile Insurance Plan (AIP)
    • B. Financial responsibility
    • B. Financial responsibility / 1. Transportation network companies
    • C. Uninsured motorist/underinsured
    • D. Cancellation/nonrenewal
    • E. Peer-to-peer car sharing
  • Missouri statutes, rules, and regulations — PERTINENT TO CASUALTY INSURANCE ONLY — II. COMMERCIAL POLICIES
  • Missouri statutes, rules, and regulations — PERTINENT TO CASUALTY INSURANCE ONLY — III. CLAIM SETTLEMENT PRACTICES
    • A. Definitions
    • B. Misrepresentation of provisions
    • C. General standards
  • Missouri statutes, rules, and regulations — PERTINENT TO CASUALTY INSURANCE ONLY — IV. WORKERS COMPENSATION
  • Missouri statutes, rules, and regulations — PERTINENT TO CASUALTY INSURANCE ONLY — V. MEDICAL MALPRACTICE INSURANCE
Examination sources

Property and Casualty Insurance Producer

Examination outline
  • General knowledge — I. PROPERTY: TYPES OF POLICIES
    • A. Homeowners
    • A. Homeowners / 1. HO-2
    • A. Homeowners / 2. HO-3
    • A. Homeowners / 3. HO-4
    • A. Homeowners / 4. HO-5
    • A. Homeowners / 5. HO-6
    • A. Homeowners / 6. HO-8
    • B. Dwelling policies
    • B. Dwelling policies / 1. DP-1
    • B. Dwelling policies / 2. DP-2
    • B. Dwelling policies / 3. DP-3
    • C. Commercial lines
    • C. Commercial lines / 1. Commercial Package Policy (CPP)
    • C. Commercial lines / 2. Commercial property
    • C. Commercial lines / 2. Commercial property / a. Commercial building and business personal property form
    • C. Commercial lines / 2. Commercial property / b. Causes of loss forms
    • C. Commercial lines / 2. Commercial property / c. Business income
    • C. Commercial lines / 2. Commercial property / d. Extra expense
    • C. Commercial lines / 2. Commercial property / e. Equipment breakdown
    • C. Commercial lines / 3. Business Owners Policy (BOP)
    • C. Commercial lines / 4. Builders Risk
    • C. Commercial lines / 5. Cyber First-Party Coverage
    • D. Inland marine
    • D. Inland marine / 1. Personal Articles floaters
    • D. Inland marine / 2. Commercial Property floaters
    • E. National Flood Insurance Program
    • F. Others
    • F. Others / 1. Earthquake
    • F. Others / 2. Mobile Homes
    • F. Others / 3. Watercraft
    • F. Others / 4. Farm Owners
    • F. Others / 5. Windstorm
  • General knowledge — II. PROPERTY: INSURANCE TERMS AND RELATED CONCEPTS
    • A. Insurance
    • A. Insurance / 1. Law of Large Numbers
    • B. Insurable interest
    • C. Risk
    • C. Risk / 1. Pure vs. Speculative Risk
    • D. Hazard
    • D. Hazard / 1. Moral
    • D. Hazard / 2. Morale
    • D. Hazard / 3. Physical
    • E. Peril
    • F. Loss
    • F. Loss / 1. Direct
    • F. Loss / 2. Indirect
    • G. Loss Valuation
    • G. Loss Valuation / 1. Actual cash value
    • G. Loss Valuation / 2. Replacement cost
    • G. Loss Valuation / 3. Market value
    • G. Loss Valuation / 4. Stated/agreed value
    • G. Loss Valuation / 5. Salvage value
    • H. Proximate cause
    • I. Deductible
    • J. Indemnity
    • K. Limits of liability
    • L. Coinsurance/Insurance to value
    • M. Occurrence
    • N. Cancellation
    • O. Nonrenewal
    • P. Vacancy and unoccupancy
    • Q. Liability
    • Q. Liability / 1. Absolute
    • Q. Liability / 2. Strict
    • Q. Liability / 3. Vicarious
    • R. Negligence
    • S. Binder
    • T. Endorsements
    • U. Blanket vs. Specific
  • General knowledge — III. PROPERTY: 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
  • General knowledge — IV. CASUALTY: TYPES OF POLICIES, BONDS, AND RELATED TERMS
    • A. Commercial general liability
    • A. Commercial general liability / 1. Exposures
    • A. Commercial general liability / 1. Exposures / a. Premises and Operations
    • A. Commercial general liability / 1. Exposures / b. Products and Completed Operations
    • A. Commercial general liability / 2. Coverage
    • A. Commercial general liability / 2. Coverage / a. Coverage A: Bodily Injury and Property Damage Liability (Occurrence, Claims made including Retroactive Date)
    • A. Commercial general liability / 2. Coverage / b. Coverage B: Personal Injury and Advertising Injury
    • A. Commercial general liability / 2. Coverage / c. Coverage C: Medical Payments
    • A. Commercial general liability / 2. Coverage / d. Supplemental Payments
    • A. Commercial general liability / 2. Coverage / e. Who is an insured
    • A. Commercial general liability / 2. Coverage / f. First named insured
    • A. Commercial general liability / 2. Coverage / g. Limits (Per occurrence, Annual Aggregate)
    • A. Commercial general liability / 2. Coverage / h. Damage to Property of Others
    • B. Automobile: personal auto and business auto
    • B. Automobile: personal auto and business auto / 1. Liability
    • B. Automobile: personal auto and business auto / 1. Liability / a. Bodily Injury
    • B. Automobile: personal auto and business auto / 1. Liability / b. Property Damage
    • B. Automobile: personal auto and business auto / 1. Liability / c. Split Limits
    • B. Automobile: personal auto and business auto / 1. Liability / d. Combined Single Limit
    • B. Automobile: personal auto and business auto / 2. Medical Payments
    • B. Automobile: personal auto and business auto / 3. Physical Damage (collision; other than collision; specified perils)
    • B. Automobile: personal auto and business auto / 4. Uninsured motorists
    • B. Automobile: personal auto and business auto / 5. Underinsured motorists
    • B. Automobile: personal auto and business auto / 6. Who is an insured
    • B. Automobile: personal auto and business auto / 7. Types of Auto
    • B. Automobile: personal auto and business auto / 7. Types of Auto / a. Owned
    • B. Automobile: personal auto and business auto / 7. Types of Auto / b. Non-owned
    • B. Automobile: personal auto and business auto / 7. Types of Auto / c. Hired
    • B. Automobile: personal auto and business auto / 7. Types of Auto / d. Temporary Substitute
    • B. Automobile: personal auto and business auto / 7. Types of Auto / e. Newly Acquired Autos
    • B. Automobile: personal auto and business auto / 7. Types of Auto / f. Transportation Expense and Rental Reimbursement Expense
    • B. Automobile: personal auto and business auto / 8. Auto Dealers Coverage Form, including Garagekeepers Insurance
    • B. Automobile: personal auto and business auto / 9. Exclusions
    • B. Automobile: personal auto and business auto / 10. Individual Insured and Drive Other Car (DOC)
    • B. Automobile: personal auto and business auto / 11. Mobile equipment
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.)
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.) / 1. Standard policy concepts
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.) / 1. Standard policy concepts / a. Who is an employee/employer
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.) / 1. Standard policy concepts / b. Compensation
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.) / 2. Work-related vs. non-work-related
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.) / 3. Other states’ insurance
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.) / 4. Employers Liability
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.) / 5. Exclusive remedy
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.) / 6. Premium Determination
    • D. Crime
    • D. Crime / 1. Employee Dishonesty
    • D. Crime / 2. Theft
    • D. Crime / 3. Robbery
    • D. Crime / 4. Burglary
    • D. Crime / 5. Forgery and Alteration
    • D. Crime / 6. Mysterious disappearance
    • E. Bonds
    • E. Bonds / 1. Surety
    • E. Bonds / 2. Fidelity
    • F. Professional liability
    • F. Professional liability / 1. Errors and Omissions
    • F. Professional liability / 2. Medical Malpractice
    • F. Professional liability / 3. Directors and Officers (D&O)
    • F. Professional liability / 4. Employment Practices Liability (EPLI)
    • F. Professional liability / 5. Cyber liability and data breach
    • F. Professional liability / 6. Liquor liability
    • G. Umbrella/Excess Liability
    • H. Business Owners Policy (BOP)
  • General knowledge — V. CASUALTY: INSURANCE TERMS AND RELATED CONCEPTS
    • A. Risk
    • B. Hazards
    • B. Hazards / 1. Moral
    • B. Hazards / 2. Morale
    • B. Hazards / 3. Physical
    • C. Indemnity
    • D. Insurable interest
    • E. Loss valuation
    • E. Loss valuation / 1. Actual cash value
    • E. Loss valuation / 2. Replacement cost
    • E. Loss valuation / 3. Market value
    • E. Loss valuation / 4. Stated/agreed value
    • E. Loss valuation / 5. Salvage value
    • F. Negligence
    • G. Liability
    • H. Occurrence
    • I. Binders
    • J. Warranties
    • K. Representations
    • L. Concealment
    • M. Deposit Premium/Audit
    • N. Certificate of Insurance
    • O. Law of Large Numbers
    • P. Pure vs. Speculative Risk
    • Q. Endorsements
    • R. Damages
    • R. Damages / 1. Compensatory
    • R. Damages / 1. Compensatory / a. General
    • R. Damages / 1. Compensatory / b. Special
    • R. Damages / 2. Punitive
    • S. Compliance with provisions of Fair Credit Reporting Act
  • General knowledge — VI. CASUALTY: POLICY PROVISIONS
    • A. Declarations
    • B. Insuring agreement
    • C. Conditions
    • D. Exclusions and Limitations
    • E. Definition of the insured
    • F. Duties of the insured after a loss
    • G. Cancellation and nonrenewal provisions
    • H. Supplementary payments
    • I. Proof of loss
    • J. Notice of claim
    • K. Arbitration
    • L. Other insurance
    • M. Subrogation
    • N. Loss settlement provisions including consent to settle a loss
    • O. Terrorism Risk Insurance Act (TRIA)
  • Missouri statutes, rules, and regulations — COMMON TO ALL LINES — I. DIRECTOR OF COMMERCE AND INSURANCE
    • A. General powers and duties
    • B. Examination of records
    • C. Cease and desist orders
  • Missouri statutes, rules, and regulations — COMMON TO ALL LINES — II. LICENSING REQUIREMENTS
    • A. Persons required to be licensed
    • A. Persons required to be licensed / 1. Producer
    • A. Persons required to be licensed / 2. Nonresident producer
    • A. Persons required to be licensed / 3. Surplus lines producer
    • B. Obtaining a license
    • B. Obtaining a license / 1. Qualifications
    • B. Obtaining a license / 2. Examinations
    • C. Maintaining a license
    • C. Maintaining a license / 1. Continuing education
    • C. Maintaining a license / 2. Change of address
    • C. Maintaining a license / 3. Renewal
    • C. Maintaining a license / 4. Temporary
    • D. License suspension, revocation, denial, cancellation
  • Missouri statutes, rules, and regulations — COMMON TO ALL LINES — III. MARKETING PRACTICES
    • A. Unfair and deceptive practices
    • B. Rebating
    • C. Misrepresentation
    • D. Defamation
    • E. Unfair discrimination
  • Missouri statutes, rules, and regulations — COMMON TO ALL LINES — IV. CERTIFICATE OF AUTHORITY
  • Missouri statutes, rules, and regulations — COMMON TO ALL LINES — V. FIDUCIARY RESPONSIBILITIES
  • Missouri statutes, rules, and regulations — COMMON TO ALL LINES — VI. COMMISSIONS AND COMPENSATION
  • Missouri statutes, rules, and regulations — COMMON TO ALL LINES — VII. MISSOURI INSURANCE GUARANTY ASSOCIATION
  • Missouri statutes, rules, and regulations — PERTINENT TO PROPERTY — I. MISSOURI FAIR PLAN
    • A. Purpose
    • B. Definitions
    • C. Eligibility
    • D. Binding authority
    • E. Application procedures
    • F. Effective date of coverage
    • G. Renewal/nonrenewal/cancellation
  • Missouri statutes, rules, and regulations — PERTINENT TO PROPERTY — II. INLAND MARINE
  • Missouri statutes, rules, and regulations — PERTINENT TO PROPERTY — III. HOMEOWNERS POLICIES
  • Missouri statutes, rules, and regulations — PERTINENT TO PROPERTY — IV. BINDERS
  • Missouri statutes, rules, and regulations — PERTINENT TO PROPERTY — V. CANCELLATION/NONRENEWAL
  • Missouri statutes, rules, and regulations — PERTINENT TO CASUALTY — I. MOTOR VEHICLE INSURANCE
    • A. Missouri Automobile Insurance Plan (AIP)
    • B. Financial responsibility
    • B. Financial responsibility / 1. Transportation network companies
    • C. Uninsured motorist/underinsured
    • D. Cancellation/nonrenewal
    • E. Peer-to-peer car sharing
  • Missouri statutes, rules, and regulations — PERTINENT TO CASUALTY — II. COMMERCIAL POLICIES
  • Missouri statutes, rules, and regulations — PERTINENT TO CASUALTY — III. CLAIM SETTLEMENT PRACTICES
    • A. Definitions
    • B. Misrepresentation of provisions
    • C. General standards
  • Missouri statutes, rules, and regulations — PERTINENT TO CASUALTY — IV. WORKERS COMPENSATION
  • Missouri statutes, rules, and regulations — PERTINENT TO CASUALTY — V. MEDICAL MALPRACTICE INSURANCE
Examination sources

Property Insurance Producer

Examination outline
  • General knowledge — I. TYPES OF POLICIES
    • A. Homeowners
    • A. Homeowners / 1. HO-2
    • A. Homeowners / 2. HO-3
    • A. Homeowners / 3. HO-4
    • A. Homeowners / 4. HO-5
    • A. Homeowners / 5. HO-6
    • A. Homeowners / 6. HO-8
    • B. Dwelling policies
    • B. Dwelling policies / 1. DP-1
    • B. Dwelling policies / 2. DP-2
    • B. Dwelling policies / 3. DP-3
    • C. Commercial lines
    • C. Commercial lines / 1. Commercial Package Policy (CPP)
    • C. Commercial lines / 2. Commercial property
    • C. Commercial lines / 2. Commercial property / a. Commercial building and business personal property form
    • C. Commercial lines / 2. Commercial property / b. Causes of loss forms
    • C. Commercial lines / 2. Commercial property / c. Business income
    • C. Commercial lines / 2. Commercial property / d. Extra expense
    • C. Commercial lines / 2. Commercial property / e. Equipment breakdown
    • C. Commercial lines / 3. Business Owners Policy (BOP)
    • C. Commercial lines / 4. Builders Risk
    • C. Commercial lines / 5. Cyber First-Party Coverage
    • D. Inland marine
    • D. Inland marine / 1. Personal Articles floaters
    • D. Inland marine / 2. Commercial Property floaters
    • E. National Flood Insurance Program
    • F. Others
    • F. Others / 1. Earthquake
    • F. Others / 2. Mobile Homes
    • F. Others / 3. Watercraft
    • F. Others / 4. Farm Owners
    • F. Others / 5. Windstorm
  • General knowledge — II. INSURANCE TERMS AND RELATED CONCEPTS
    • A. Insurance
    • A. Insurance / 1. Law of Large Numbers
    • B. Insurable interest
    • C. Risk
    • C. Risk / 1. Pure vs. Speculative Risk
    • D. Hazard
    • D. Hazard / 1. Moral
    • D. Hazard / 2. Morale
    • D. Hazard / 3. Physical
    • E. Peril
    • F. Loss
    • F. Loss / 1. Direct
    • F. Loss / 2. Indirect
    • G. Loss Valuation
    • G. Loss Valuation / 1. Actual cash value
    • G. Loss Valuation / 2. Replacement cost
    • G. Loss Valuation / 3. Market value
    • G. Loss Valuation / 4. Stated/agreed value
    • G. Loss Valuation / 5. Salvage value
    • H. Proximate cause
    • I. Deductible
    • J. Indemnity
    • K. Limits of liability
    • L. Coinsurance/Insurance to value
    • M. Occurrence
    • N. Cancellation
    • O. Nonrenewal
    • P. Vacancy and unoccupancy
    • Q. Liability
    • Q. Liability / 1. Absolute
    • Q. Liability / 2. Strict
    • Q. Liability / 3. Vicarious
    • R. Negligence
    • S. Binder
    • T. Endorsements
    • U. Blanket vs. Specific
  • General knowledge — III. POLICY PROVISIONS AND CONTRACT LAW
    • A. Declarations
    • B. Insuring agreement
    • C. Conditions
    • D. Exclusions
    • E. Definition of the insured
    • F. Duties of the insured
    • G. Obligations of the insurance company
    • H. Mortgagee rights
    • I. Proof of loss
    • J. Notice of claim
    • K. Appraisal
    • L. Other Insurance Provision
    • M. Subrogation
    • N. Elements of a contract
    • O. Warranties, representations, and concealment
    • P. Sources of underwriting information
    • Q. Fair Credit Reporting Act
    • R. Privacy Protection (Gramm Leach Bliley)
    • S. Policy Application
    • T. Terrorism Risk Insurance Act (TRIA)
    • U. Territory
  • Missouri statutes, rules, and regulations — Common to all lines — I. DIRECTOR OF COMMERCE AND INSURANCE
    • A. General powers and duties
    • B. Examination of records
    • C. Cease and desist orders
  • Missouri statutes, rules, and regulations — Common to all lines — II. LICENSING REQUIREMENTS
    • A. Persons required to be licensed
    • A. Persons required to be licensed / 1. Producer
    • A. Persons required to be licensed / 2. Nonresident producer
    • A. Persons required to be licensed / 3. Surplus lines producer
    • B. Obtaining a license
    • B. Obtaining a license / 1. Qualifications
    • B. Obtaining a license / 2. Examinations
    • C. Maintaining a license
    • C. Maintaining a license / 1. Continuing education
    • C. Maintaining a license / 2. Change of address
    • C. Maintaining a license / 3. Renewal
    • C. Maintaining a license / 4. Temporary
    • D. License suspension, revocation, denial, cancellation
  • Missouri statutes, rules, and regulations — Common to all lines — III. MARKETING PRACTICES
    • A. Unfair and deceptive practices
    • B. Rebating
    • C. Misrepresentation
    • D. Defamation
    • E. Unfair discrimination
  • Missouri statutes, rules, and regulations — Common to all lines — IV. CERTIFICATE OF AUTHORITY
  • Missouri statutes, rules, and regulations — Common to all lines — V. FIDUCIARY RESPONSIBILITIES
  • Missouri statutes, rules, and regulations — Common to all lines — VI. COMMISSIONS AND COMPENSATION
  • Missouri statutes, rules, and regulations — Common to all lines — VII. MISSOURI INSURANCE GUARANTY ASSOCIATION
  • Missouri statutes, rules, and regulations — Pertinent to property insurance only — I. MISSOURI FAIR PLAN
    • A. Purpose
    • B. Definitions
    • C. Eligibility
    • D. Binding authority
    • E. Application procedures
    • F. Effective date of coverage
    • G. Renewal/nonrenewal/cancellation
  • Missouri statutes, rules, and regulations — Pertinent to property insurance only — II. INLAND MARINE
  • Missouri statutes, rules, and regulations — Pertinent to property insurance only — III. HOMEOWNERS POLICIES
  • Missouri statutes, rules, and regulations — Pertinent to property insurance only — IV. BINDERS
  • Missouri statutes, rules, and regulations — Pertinent to property insurance only — V. CANCELLATION/NONRENEWAL
Examination sources