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New Jersey Property & Casualty Insurance — Requirements & Free Practice

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Resident insurance producer license

Individual and business-entity licensing for property, casualty, or restricted personal-lines property and casualty authority. Requested authorities distinguish routes; property and casualty are separately examined.

Licensing authority: New Jersey Department of Banking and Insurance

Resident individual addition of both property and casualty authorities

All of the following:

Authority requested
Request both property and casualty authorities. Personal-lines authority covers primarily noncommercial property and casualty; property and casualty together also cover personal lines.
Education
Complete approved prelicensing education: 20 hours property, 20 hours casualty, 40 hours for both, or 20 hours personal lines, as appropriate; surplus lines has no separate prelicensing course.
Existing license
Hold a current New Jersey individual producer license and request additional authority; provide education/waiver and an examination report or applicable examination waiver.
Fees
Submit the uniform application and applicable licensing fees.
Fingerprints
Resident individuals requesting major authority must complete the required criminal-history fingerprint review.
Fitness
No act constituting statutory grounds for denial, suspension or revocation; disclose background information truthfully on the uniform application.
Minimum age
At least 18 years old.
Score window
The passing examination report must be no more than one year old when applying.
Resident individual initial licensure with prelicensing education waiver — both property and casualty authorities

All of the following:

Authority requested
Request both property and casualty authorities. Personal-lines authority covers primarily noncommercial property and casualty; property and casualty together also cover personal lines.
Education
Obtain Department approval of the applicable professional-designation or other prelicensing education waiver; it waives education only, and the licensing examination remains required.
Fees
Submit the uniform application and applicable licensing fees.
Fingerprints
Resident individuals requesting major authority must complete the required criminal-history fingerprint review.
Fitness
No act constituting statutory grounds for denial, suspension or revocation; disclose background information truthfully on the uniform application.
Minimum age
At least 18 years old.
Score window
The passing examination report must be no more than one year old when applying.
Resident individual initial licensure by examination — both property and casualty authorities

All of the following:

Authority requested
Request both property and casualty authorities. Personal-lines authority covers primarily noncommercial property and casualty; property and casualty together also cover personal lines.
Education
Complete approved prelicensing education: 20 hours property, 20 hours casualty, 40 hours for both, or 20 hours personal lines, as appropriate; surplus lines has no separate prelicensing course.
Fees
Submit the uniform application and applicable licensing fees.
Fingerprints
Resident individuals requesting major authority must complete the required criminal-history fingerprint review.
Fitness
No act constituting statutory grounds for denial, suspension or revocation; disclose background information truthfully on the uniform application.
Minimum age
At least 18 years old.
Score window
The passing examination report must be no more than one year old when applying.
Resident individual return after insurance related public employment — both property and casualty authorities
No examination is required for this applicant pathway.
Application window
Apply within one year of the termination of that public employment; the rule expressly exempts re-examination.
Employment
The public employment was in an insurance-related field.
Prior license
Previously held the requested New Jersey insurance producer authority, terminated as a condition of public employment.

Official no-examination sources

Effective from 2026-09-22.

Resident individual licensing or retention under an ordered examination retake — both property and casualty authorities

All of the following:

Authority requested
Request both property and casualty authorities. Personal-lines authority covers primarily noncommercial property and casualty; property and casualty together also cover personal lines.
Commissioner order
For good cause, the Commissioner may order a licensing applicant or licensee to retake the state licensing examination within a specified time; the order, appeal and any modified or rescinded order determine the individual’s obligation.
Education
Complete approved prelicensing education: 20 hours property, 20 hours casualty, 40 hours for both, or 20 hours personal lines, as appropriate; surplus lines has no separate prelicensing course.
Fees
Submit the uniform application and applicable licensing fees.
Fingerprints
Resident individuals requesting major authority must complete the required criminal-history fingerprint review.
Fitness
No act constituting statutory grounds for denial, suspension or revocation; disclose background information truthfully on the uniform application.
Minimum age
At least 18 years old.
Score window
The passing examination report must be no more than one year old when applying.
Resident individual reinstatement following revocation — both property and casualty authorities

All of the following:

Authority requested
Request both property and casualty authorities. Personal-lines authority covers primarily noncommercial property and casualty; property and casualty together also cover personal lines.
Education
Complete approved prelicensing education: 20 hours property, 20 hours casualty, 40 hours for both, or 20 hours personal lines, as appropriate; surplus lines has no separate prelicensing course.
Fees
Submit the uniform application and applicable licensing fees.
Fingerprints
Resident individuals requesting major authority must complete the required criminal-history fingerprint review.
Fitness
No act constituting statutory grounds for denial, suspension or revocation; disclose background information truthfully on the uniform application.
Minimum age
At least 18 years old.
Rehabilitation
Provide the required affidavit addressing employment, business interests, disposition of the producer business, restitution, other licenses, proceedings and rehabilitation; provide a probation-officer report when required. Issuance is subject to the Commissioner’s review.
Score window
The passing examination report must be no more than one year old when applying.
Waiting period
Wait five years after the effective date of revocation before applying on the initial-license application.
Resident individual reinstatement after voluntary surrender — both property and casualty authorities

All of the following:

Authority requested
Request both property and casualty authorities. Personal-lines authority covers primarily noncommercial property and casualty; property and casualty together also cover personal lines.
Education
Complete approved prelicensing education: 20 hours property, 20 hours casualty, 40 hours for both, or 20 hours personal lines, as appropriate; surplus lines has no separate prelicensing course.
Fees
Submit the uniform application and applicable licensing fees.
Fingerprints
Resident individuals requesting major authority must complete the required criminal-history fingerprint review.
Fitness
No act constituting statutory grounds for denial, suspension or revocation; disclose background information truthfully on the uniform application.
Minimum age
At least 18 years old.
Score window
The passing examination report must be no more than one year old when applying.
Surrender
Apply during the same licensing period under the initial-application provisions; no additional license fee for that period, but the processing fee applies. Any applicable statutory examination waiver remains available.
Resident individual reinstatement following suspension — both property and casualty authorities

All of the following:

Authority requested
Request both property and casualty authorities. Personal-lines authority covers primarily noncommercial property and casualty; property and casualty together also cover personal lines.
Education
Complete approved prelicensing education: 20 hours property, 20 hours casualty, 40 hours for both, or 20 hours personal lines, as appropriate; surplus lines has no separate prelicensing course.
Fees
Submit the uniform application and applicable licensing fees.
Fingerprints
Resident individuals requesting major authority must complete the required criminal-history fingerprint review.
Fitness
No act constituting statutory grounds for denial, suspension or revocation; disclose background information truthfully on the uniform application.
Minimum age
At least 18 years old.
Score window
The passing examination report must be no more than one year old when applying.
Suspension
Complete the suspension period and all conditions of the suspension order; attach the order and sworn affidavit with supporting proof of fines, restitution and compliance.
Business entity late renewal within one year
No examination is required for this applicant pathway.
Exemption
The same license is reinstated without written examination within the statutory twelve-month period.
Lapse
Apply within one year of license expiration, providing required continuing-education proof, certification about business written during the lapse, and the late renewal fee.

Official no-examination sources

Effective from 2026-09-22.

Business entity biennial license renewal
No examination is required for this applicant pathway.
Continuing education
Resident individuals with major authorities must complete 24 approved continuing-education credits, including three in ethics; applicable flood training is required for those writing flood. Nonresident producers satisfy the applicable home-state requirements. Limited-line-only producers are outside the listed major-authority CE rule.
Current license
Renew before expiration using the properly certified renewal application and fees; continue to satisfy the licensing qualifications.
Responsible producers
Business entities must retain appropriately licensed responsible producers.

Official no-examination sources

Effective from 2026-09-22.

Resident individual addition of casualty authority
New Jersey Casualty Producer Examination
Authority requested
Request casualty authority. Personal-lines authority covers primarily noncommercial property and casualty; property and casualty together also cover personal lines.
Education
Complete approved prelicensing education: 20 hours property, 20 hours casualty, 40 hours for both, or 20 hours personal lines, as appropriate; surplus lines has no separate prelicensing course.
Existing license
Hold a current New Jersey individual producer license and request additional authority; provide education/waiver and an examination report or applicable examination waiver.
Fees
Submit the uniform application and applicable licensing fees.
Fingerprints
Resident individuals requesting major authority must complete the required criminal-history fingerprint review.
Fitness
No act constituting statutory grounds for denial, suspension or revocation; disclose background information truthfully on the uniform application.
Minimum age
At least 18 years old.
Score window
The passing examination report must be no more than one year old when applying.
Resident individual initial licensure with prelicensing education waiver — casualty authority
New Jersey Casualty Producer Examination
Authority requested
Request casualty authority. Personal-lines authority covers primarily noncommercial property and casualty; property and casualty together also cover personal lines.
Education
Obtain Department approval of the applicable professional-designation or other prelicensing education waiver; it waives education only, and the licensing examination remains required.
Fees
Submit the uniform application and applicable licensing fees.
Fingerprints
Resident individuals requesting major authority must complete the required criminal-history fingerprint review.
Fitness
No act constituting statutory grounds for denial, suspension or revocation; disclose background information truthfully on the uniform application.
Minimum age
At least 18 years old.
Score window
The passing examination report must be no more than one year old when applying.
Resident individual initial licensure by examination — casualty authority
New Jersey Casualty Producer Examination
Authority requested
Request casualty authority. Personal-lines authority covers primarily noncommercial property and casualty; property and casualty together also cover personal lines.
Education
Complete approved prelicensing education: 20 hours property, 20 hours casualty, 40 hours for both, or 20 hours personal lines, as appropriate; surplus lines has no separate prelicensing course.
Fees
Submit the uniform application and applicable licensing fees.
Fingerprints
Resident individuals requesting major authority must complete the required criminal-history fingerprint review.
Fitness
No act constituting statutory grounds for denial, suspension or revocation; disclose background information truthfully on the uniform application.
Minimum age
At least 18 years old.
Score window
The passing examination report must be no more than one year old when applying.
Resident individual return after insurance related public employment — casualty authority
No examination is required for this applicant pathway.
Application window
Apply within one year of the termination of that public employment; the rule expressly exempts re-examination.
Employment
The public employment was in an insurance-related field.
Prior license
Previously held the requested New Jersey insurance producer authority, terminated as a condition of public employment.

Official no-examination sources

Effective from 2026-09-22.

Resident individual licensing or retention under an ordered examination retake — casualty authority
New Jersey Casualty Producer Examination
Authority requested
Request casualty authority. Personal-lines authority covers primarily noncommercial property and casualty; property and casualty together also cover personal lines.
Commissioner order
For good cause, the Commissioner may order a licensing applicant or licensee to retake the state licensing examination within a specified time; the order, appeal and any modified or rescinded order determine the individual’s obligation.
Education
Complete approved prelicensing education: 20 hours property, 20 hours casualty, 40 hours for both, or 20 hours personal lines, as appropriate; surplus lines has no separate prelicensing course.
Fees
Submit the uniform application and applicable licensing fees.
Fingerprints
Resident individuals requesting major authority must complete the required criminal-history fingerprint review.
Fitness
No act constituting statutory grounds for denial, suspension or revocation; disclose background information truthfully on the uniform application.
Minimum age
At least 18 years old.
Score window
The passing examination report must be no more than one year old when applying.
Resident individual reinstatement following revocation — casualty authority
New Jersey Casualty Producer Examination
Authority requested
Request casualty authority. Personal-lines authority covers primarily noncommercial property and casualty; property and casualty together also cover personal lines.
Education
Complete approved prelicensing education: 20 hours property, 20 hours casualty, 40 hours for both, or 20 hours personal lines, as appropriate; surplus lines has no separate prelicensing course.
Fees
Submit the uniform application and applicable licensing fees.
Fingerprints
Resident individuals requesting major authority must complete the required criminal-history fingerprint review.
Fitness
No act constituting statutory grounds for denial, suspension or revocation; disclose background information truthfully on the uniform application.
Minimum age
At least 18 years old.
Rehabilitation
Provide the required affidavit addressing employment, business interests, disposition of the producer business, restitution, other licenses, proceedings and rehabilitation; provide a probation-officer report when required. Issuance is subject to the Commissioner’s review.
Score window
The passing examination report must be no more than one year old when applying.
Waiting period
Wait five years after the effective date of revocation before applying on the initial-license application.
Resident individual reinstatement after voluntary surrender — casualty authority
New Jersey Casualty Producer Examination
Authority requested
Request casualty authority. Personal-lines authority covers primarily noncommercial property and casualty; property and casualty together also cover personal lines.
Education
Complete approved prelicensing education: 20 hours property, 20 hours casualty, 40 hours for both, or 20 hours personal lines, as appropriate; surplus lines has no separate prelicensing course.
Fees
Submit the uniform application and applicable licensing fees.
Fingerprints
Resident individuals requesting major authority must complete the required criminal-history fingerprint review.
Fitness
No act constituting statutory grounds for denial, suspension or revocation; disclose background information truthfully on the uniform application.
Minimum age
At least 18 years old.
Score window
The passing examination report must be no more than one year old when applying.
Surrender
Apply during the same licensing period under the initial-application provisions; no additional license fee for that period, but the processing fee applies. Any applicable statutory examination waiver remains available.
Resident individual reinstatement following suspension — casualty authority
New Jersey Casualty Producer Examination
Authority requested
Request casualty authority. Personal-lines authority covers primarily noncommercial property and casualty; property and casualty together also cover personal lines.
Education
Complete approved prelicensing education: 20 hours property, 20 hours casualty, 40 hours for both, or 20 hours personal lines, as appropriate; surplus lines has no separate prelicensing course.
Fees
Submit the uniform application and applicable licensing fees.
Fingerprints
Resident individuals requesting major authority must complete the required criminal-history fingerprint review.
Fitness
No act constituting statutory grounds for denial, suspension or revocation; disclose background information truthfully on the uniform application.
Minimum age
At least 18 years old.
Score window
The passing examination report must be no more than one year old when applying.
Suspension
Complete the suspension period and all conditions of the suspension order; attach the order and sworn affidavit with supporting proof of fines, restitution and compliance.
Resident business entity initial licensing
No examination is required for this applicant pathway.
Application
Submit the uniform business-entity application, applicable fees, legal/business names, ownership and background disclosures.
Fingerprints
For resident major-line business entities, required officers, directors, partners and owners of 10 percent or more must complete fingerprint/background review.
Responsible producers
Designate New Jersey-licensed responsible producers whose authorities cumulatively cover each requested authority; those persons’ licenses are applicant conditions for the entity, not examinations administered to the entity.
Trade name
Obtain approval before using an assumed business name.

Official no-examination sources

Effective from 2026-09-22.

Resident business entity addition of property/casualty or personal lines authority
No examination is required for this applicant pathway.
Application
Submit the uniform business-entity application, applicable fees, legal/business names, ownership and background disclosures.
Current license
Hold the entity license and designate responsible licensed producers covering the requested additional authority.
Fingerprints
For resident major-line business entities, required officers, directors, partners and owners of 10 percent or more must complete fingerprint/background review.
Responsible producers
Designate New Jersey-licensed responsible producers whose authorities cumulatively cover each requested authority; those persons’ licenses are applicant conditions for the entity, not examinations administered to the entity.
Trade name
Obtain approval before using an assumed business name.

Official no-examination sources

Effective from 2026-09-22.

Individual late renewal within one year
No examination is required for this applicant pathway.
Exemption
The same license is reinstated without written examination within the statutory twelve-month period.
Lapse
Apply within one year of license expiration, providing required continuing-education proof, certification about business written during the lapse, and the late renewal fee.

Official no-examination sources

Effective from 2026-09-22.

Individual biennial license renewal
No examination is required for this applicant pathway.
Continuing education
Resident individuals with major authorities must complete 24 approved continuing-education credits, including three in ethics; applicable flood training is required for those writing flood. Nonresident producers satisfy the applicable home-state requirements. Limited-line-only producers are outside the listed major-authority CE rule.
Current license
Renew before expiration using the properly certified renewal application and fees; continue to satisfy the licensing qualifications.
Responsible producers
Business entities must retain appropriately licensed responsible producers.

Official no-examination sources

Effective from 2026-09-22.

Conversion to resident individual licensing after moving to New Jersey
No examination is required for this applicant pathway.
Application
Submit the prescribed change/application information and required fingerprint review; the repealed former law-only examination provision is not a currently offered separate examination.
Prior home license
Hold the requested authority as a producer licensed in another jurisdiction.
Residence
Apply within 90 days of establishing New Jersey legal residence; the statutory exception is subject to any contrary Commissioner determination by regulation.

Official no-examination sources

Effective from 2026-09-22.

Resident individual addition of personal lines authority
New Jersey Insurance Producer — Personal Lines Examination
Authority requested
Request personal-lines authority. Personal-lines authority covers primarily noncommercial property and casualty; property and casualty together also cover personal lines.
Education
Complete approved prelicensing education: 20 hours property, 20 hours casualty, 40 hours for both, or 20 hours personal lines, as appropriate; surplus lines has no separate prelicensing course.
Existing license
Hold a current New Jersey individual producer license and request additional authority; provide education/waiver and an examination report or applicable examination waiver.
Fees
Submit the uniform application and applicable licensing fees.
Fingerprints
Resident individuals requesting major authority must complete the required criminal-history fingerprint review.
Fitness
No act constituting statutory grounds for denial, suspension or revocation; disclose background information truthfully on the uniform application.
Minimum age
At least 18 years old.
Score window
The passing examination report must be no more than one year old when applying.
Resident individual initial licensure with prelicensing education waiver — personal lines authority
New Jersey Insurance Producer — Personal Lines Examination
Authority requested
Request personal-lines authority. Personal-lines authority covers primarily noncommercial property and casualty; property and casualty together also cover personal lines.
Education
Obtain Department approval of the applicable professional-designation or other prelicensing education waiver; it waives education only, and the licensing examination remains required.
Fees
Submit the uniform application and applicable licensing fees.
Fingerprints
Resident individuals requesting major authority must complete the required criminal-history fingerprint review.
Fitness
No act constituting statutory grounds for denial, suspension or revocation; disclose background information truthfully on the uniform application.
Minimum age
At least 18 years old.
Score window
The passing examination report must be no more than one year old when applying.
Resident individual initial licensure by examination — personal lines authority
New Jersey Insurance Producer — Personal Lines Examination
Authority requested
Request personal-lines authority. Personal-lines authority covers primarily noncommercial property and casualty; property and casualty together also cover personal lines.
Education
Complete approved prelicensing education: 20 hours property, 20 hours casualty, 40 hours for both, or 20 hours personal lines, as appropriate; surplus lines has no separate prelicensing course.
Fees
Submit the uniform application and applicable licensing fees.
Fingerprints
Resident individuals requesting major authority must complete the required criminal-history fingerprint review.
Fitness
No act constituting statutory grounds for denial, suspension or revocation; disclose background information truthfully on the uniform application.
Minimum age
At least 18 years old.
Score window
The passing examination report must be no more than one year old when applying.
Resident individual return after insurance related public employment — personal lines authority
No examination is required for this applicant pathway.
Application window
Apply within one year of the termination of that public employment; the rule expressly exempts re-examination.
Employment
The public employment was in an insurance-related field.
Prior license
Previously held the requested New Jersey insurance producer authority, terminated as a condition of public employment.

Official no-examination sources

Effective from 2026-09-22.

Resident individual licensing or retention under an ordered examination retake — personal lines authority
New Jersey Insurance Producer — Personal Lines Examination
Authority requested
Request personal-lines authority. Personal-lines authority covers primarily noncommercial property and casualty; property and casualty together also cover personal lines.
Commissioner order
For good cause, the Commissioner may order a licensing applicant or licensee to retake the state licensing examination within a specified time; the order, appeal and any modified or rescinded order determine the individual’s obligation.
Education
Complete approved prelicensing education: 20 hours property, 20 hours casualty, 40 hours for both, or 20 hours personal lines, as appropriate; surplus lines has no separate prelicensing course.
Fees
Submit the uniform application and applicable licensing fees.
Fingerprints
Resident individuals requesting major authority must complete the required criminal-history fingerprint review.
Fitness
No act constituting statutory grounds for denial, suspension or revocation; disclose background information truthfully on the uniform application.
Minimum age
At least 18 years old.
Score window
The passing examination report must be no more than one year old when applying.
Resident individual reinstatement following revocation — personal lines authority
New Jersey Insurance Producer — Personal Lines Examination
Authority requested
Request personal-lines authority. Personal-lines authority covers primarily noncommercial property and casualty; property and casualty together also cover personal lines.
Education
Complete approved prelicensing education: 20 hours property, 20 hours casualty, 40 hours for both, or 20 hours personal lines, as appropriate; surplus lines has no separate prelicensing course.
Fees
Submit the uniform application and applicable licensing fees.
Fingerprints
Resident individuals requesting major authority must complete the required criminal-history fingerprint review.
Fitness
No act constituting statutory grounds for denial, suspension or revocation; disclose background information truthfully on the uniform application.
Minimum age
At least 18 years old.
Rehabilitation
Provide the required affidavit addressing employment, business interests, disposition of the producer business, restitution, other licenses, proceedings and rehabilitation; provide a probation-officer report when required. Issuance is subject to the Commissioner’s review.
Score window
The passing examination report must be no more than one year old when applying.
Waiting period
Wait five years after the effective date of revocation before applying on the initial-license application.
Resident individual reinstatement after voluntary surrender — personal lines authority
New Jersey Insurance Producer — Personal Lines Examination
Authority requested
Request personal-lines authority. Personal-lines authority covers primarily noncommercial property and casualty; property and casualty together also cover personal lines.
Education
Complete approved prelicensing education: 20 hours property, 20 hours casualty, 40 hours for both, or 20 hours personal lines, as appropriate; surplus lines has no separate prelicensing course.
Fees
Submit the uniform application and applicable licensing fees.
Fingerprints
Resident individuals requesting major authority must complete the required criminal-history fingerprint review.
Fitness
No act constituting statutory grounds for denial, suspension or revocation; disclose background information truthfully on the uniform application.
Minimum age
At least 18 years old.
Score window
The passing examination report must be no more than one year old when applying.
Surrender
Apply during the same licensing period under the initial-application provisions; no additional license fee for that period, but the processing fee applies. Any applicable statutory examination waiver remains available.
Resident individual reinstatement following suspension — personal lines authority
New Jersey Insurance Producer — Personal Lines Examination
Authority requested
Request personal-lines authority. Personal-lines authority covers primarily noncommercial property and casualty; property and casualty together also cover personal lines.
Education
Complete approved prelicensing education: 20 hours property, 20 hours casualty, 40 hours for both, or 20 hours personal lines, as appropriate; surplus lines has no separate prelicensing course.
Fees
Submit the uniform application and applicable licensing fees.
Fingerprints
Resident individuals requesting major authority must complete the required criminal-history fingerprint review.
Fitness
No act constituting statutory grounds for denial, suspension or revocation; disclose background information truthfully on the uniform application.
Minimum age
At least 18 years old.
Score window
The passing examination report must be no more than one year old when applying.
Suspension
Complete the suspension period and all conditions of the suspension order; attach the order and sworn affidavit with supporting proof of fines, restitution and compliance.
Resident individual licensure based on a current or recently cancelled same line license
No examination is required for this applicant pathway.
Application
Complete the New Jersey application, fingerprints/background review and fees; no prelicensing education or examination is required under N.J.S.A. 17:22A-35(a).
Good standing
The prior jurisdiction’s certification or NAIC Producer Database must show good standing for the requested authority.
Prior home license
Previously licensed for the same requested property, casualty or personal-lines authority in another jurisdiction; still licensed or the New Jersey application is received within 90 days after cancellation.

Official no-examination sources

Effective from 2026-09-22.

Resident individual addition of property authority
Property Producer Examination (practice unavailable)
Authority requested
Request property authority. Personal-lines authority covers primarily noncommercial property and casualty; property and casualty together also cover personal lines.
Education
Complete approved prelicensing education: 20 hours property, 20 hours casualty, 40 hours for both, or 20 hours personal lines, as appropriate; surplus lines has no separate prelicensing course.
Existing license
Hold a current New Jersey individual producer license and request additional authority; provide education/waiver and an examination report or applicable examination waiver.
Fees
Submit the uniform application and applicable licensing fees.
Fingerprints
Resident individuals requesting major authority must complete the required criminal-history fingerprint review.
Fitness
No act constituting statutory grounds for denial, suspension or revocation; disclose background information truthfully on the uniform application.
Minimum age
At least 18 years old.
Score window
The passing examination report must be no more than one year old when applying.
Resident individual initial licensure with prelicensing education waiver — property authority
Property Producer Examination (practice unavailable)
Authority requested
Request property authority. Personal-lines authority covers primarily noncommercial property and casualty; property and casualty together also cover personal lines.
Education
Obtain Department approval of the applicable professional-designation or other prelicensing education waiver; it waives education only, and the licensing examination remains required.
Fees
Submit the uniform application and applicable licensing fees.
Fingerprints
Resident individuals requesting major authority must complete the required criminal-history fingerprint review.
Fitness
No act constituting statutory grounds for denial, suspension or revocation; disclose background information truthfully on the uniform application.
Minimum age
At least 18 years old.
Score window
The passing examination report must be no more than one year old when applying.
Resident individual initial licensure by examination — property authority
Property Producer Examination (practice unavailable)
Authority requested
Request property authority. Personal-lines authority covers primarily noncommercial property and casualty; property and casualty together also cover personal lines.
Education
Complete approved prelicensing education: 20 hours property, 20 hours casualty, 40 hours for both, or 20 hours personal lines, as appropriate; surplus lines has no separate prelicensing course.
Fees
Submit the uniform application and applicable licensing fees.
Fingerprints
Resident individuals requesting major authority must complete the required criminal-history fingerprint review.
Fitness
No act constituting statutory grounds for denial, suspension or revocation; disclose background information truthfully on the uniform application.
Minimum age
At least 18 years old.
Score window
The passing examination report must be no more than one year old when applying.
Resident individual return after insurance related public employment — property authority
No examination is required for this applicant pathway.
Application window
Apply within one year of the termination of that public employment; the rule expressly exempts re-examination.
Employment
The public employment was in an insurance-related field.
Prior license
Previously held the requested New Jersey insurance producer authority, terminated as a condition of public employment.

Official no-examination sources

Effective from 2026-09-22.

Resident individual licensing or retention under an ordered examination retake — property authority
Property Producer Examination (practice unavailable)
Authority requested
Request property authority. Personal-lines authority covers primarily noncommercial property and casualty; property and casualty together also cover personal lines.
Commissioner order
For good cause, the Commissioner may order a licensing applicant or licensee to retake the state licensing examination within a specified time; the order, appeal and any modified or rescinded order determine the individual’s obligation.
Education
Complete approved prelicensing education: 20 hours property, 20 hours casualty, 40 hours for both, or 20 hours personal lines, as appropriate; surplus lines has no separate prelicensing course.
Fees
Submit the uniform application and applicable licensing fees.
Fingerprints
Resident individuals requesting major authority must complete the required criminal-history fingerprint review.
Fitness
No act constituting statutory grounds for denial, suspension or revocation; disclose background information truthfully on the uniform application.
Minimum age
At least 18 years old.
Score window
The passing examination report must be no more than one year old when applying.
Resident individual reinstatement following revocation — property authority
Property Producer Examination (practice unavailable)
Authority requested
Request property authority. Personal-lines authority covers primarily noncommercial property and casualty; property and casualty together also cover personal lines.
Education
Complete approved prelicensing education: 20 hours property, 20 hours casualty, 40 hours for both, or 20 hours personal lines, as appropriate; surplus lines has no separate prelicensing course.
Fees
Submit the uniform application and applicable licensing fees.
Fingerprints
Resident individuals requesting major authority must complete the required criminal-history fingerprint review.
Fitness
No act constituting statutory grounds for denial, suspension or revocation; disclose background information truthfully on the uniform application.
Minimum age
At least 18 years old.
Rehabilitation
Provide the required affidavit addressing employment, business interests, disposition of the producer business, restitution, other licenses, proceedings and rehabilitation; provide a probation-officer report when required. Issuance is subject to the Commissioner’s review.
Score window
The passing examination report must be no more than one year old when applying.
Waiting period
Wait five years after the effective date of revocation before applying on the initial-license application.
Resident individual reinstatement after voluntary surrender — property authority
Property Producer Examination (practice unavailable)
Authority requested
Request property authority. Personal-lines authority covers primarily noncommercial property and casualty; property and casualty together also cover personal lines.
Education
Complete approved prelicensing education: 20 hours property, 20 hours casualty, 40 hours for both, or 20 hours personal lines, as appropriate; surplus lines has no separate prelicensing course.
Fees
Submit the uniform application and applicable licensing fees.
Fingerprints
Resident individuals requesting major authority must complete the required criminal-history fingerprint review.
Fitness
No act constituting statutory grounds for denial, suspension or revocation; disclose background information truthfully on the uniform application.
Minimum age
At least 18 years old.
Score window
The passing examination report must be no more than one year old when applying.
Surrender
Apply during the same licensing period under the initial-application provisions; no additional license fee for that period, but the processing fee applies. Any applicable statutory examination waiver remains available.
Resident individual reinstatement following suspension — property authority
Property Producer Examination (practice unavailable)
Authority requested
Request property authority. Personal-lines authority covers primarily noncommercial property and casualty; property and casualty together also cover personal lines.
Education
Complete approved prelicensing education: 20 hours property, 20 hours casualty, 40 hours for both, or 20 hours personal lines, as appropriate; surplus lines has no separate prelicensing course.
Fees
Submit the uniform application and applicable licensing fees.
Fingerprints
Resident individuals requesting major authority must complete the required criminal-history fingerprint review.
Fitness
No act constituting statutory grounds for denial, suspension or revocation; disclose background information truthfully on the uniform application.
Minimum age
At least 18 years old.
Score window
The passing examination report must be no more than one year old when applying.
Suspension
Complete the suspension period and all conditions of the suspension order; attach the order and sworn affidavit with supporting proof of fines, restitution and compliance.
Renewal waiver for military service or long term medical disability
No examination is required for this applicant pathway.
Circumstance
Request Commissioner waiver of renewal procedures because military service or an extenuating circumstance such as long-term medical disability prevents compliance; any examination, fine or sanction waiver is discretionary.

Official no-examination sources

Effective from 2026-09-22.

Temporary work authority

Sixty-day temporary authority for passing property, casualty, personal-lines or surplus-lines producer candidates, subject to screening and supervision; distinct from the 180-day no-examination temporary license.

Licensing authority: New Jersey Department of Banking and Insurance

Sixty day temporary work authority after passing Casualty Producer Examination
New Jersey Casualty Producer Examination
Examination
Successfully pass the relevant currently offered New Jersey producer licensing examination.
Permanent application
Submit the permanent producer license application and fees before the temporary authority expires.
Screening
Qualify based on the Department’s screening questions and activate the temporary work-authority certificate using the score-report instructions.
Supervision
Work under supervision of a currently licensed producer; authority is limited to sixty days from the examination date.
Surplus prerequisite
Apply for the authority corresponding to the passed examination.
Sixty day temporary work authority after passing Personal Lines Examination
New Jersey Insurance Producer — Personal Lines Examination
Examination
Successfully pass the relevant currently offered New Jersey producer licensing examination.
Permanent application
Submit the permanent producer license application and fees before the temporary authority expires.
Screening
Qualify based on the Department’s screening questions and activate the temporary work-authority certificate using the score-report instructions.
Supervision
Work under supervision of a currently licensed producer; authority is limited to sixty days from the examination date.
Surplus prerequisite
Apply for the authority corresponding to the passed examination.
Sixty day temporary work authority after passing Property Producer Examination
Property Producer Examination (practice unavailable)
Examination
Successfully pass the relevant currently offered New Jersey producer licensing examination.
Permanent application
Submit the permanent producer license application and fees before the temporary authority expires.
Screening
Qualify based on the Department’s screening questions and activate the temporary work-authority certificate using the score-report instructions.
Supervision
Work under supervision of a currently licensed producer; authority is limited to sixty days from the examination date.
Surplus prerequisite
Apply for the authority corresponding to the passed examination.
Sixty day temporary work authority after passing Surplus Lines Examination
Surplus Lines Examination (practice unavailable)
Examination
Successfully pass the relevant currently offered New Jersey producer licensing examination.
Permanent application
Submit the permanent producer license application and fees before the temporary authority expires.
Screening
Qualify based on the Department’s screening questions and activate the temporary work-authority certificate using the score-report instructions.
Supervision
Work under supervision of a currently licensed producer; authority is limited to sixty days from the examination date.
Surplus prerequisite
Hold or will hold property and casualty authorities.

New Jersey Insurance Producer — Personal Lines Examination

Provider
PSI Services LLC
Format
Computer examination, at a test center or remotely proctored
Exam questions
112 scored items; additional experimental items are not scored
Time limit
3.5 Hours
Passing score
70% Correct
Examination outline
  • TYPES OF PROPERTY POLICIES (10 Items)
    • 1.1 Property: Personal Lines
    • 1.1 Property: Personal Lines — Dwelling and contents (DP forms)
    • 1.1 Property: Personal Lines — Homeowners (HO forms)
    • 1.2 Inland Marine
    • 1.2 Inland Marine — Personal floaters
    • 1.3 Other Types of Property Policies
    • 1.3 Other Types of Property Policies — Flood
    • 1.3 Other Types of Property Policies — Personal Watercraft
    • 1.3 Other Types of Property Policies — Earthquake
    • 1.3 Other Types of Property Policies — Mobile Homes
  • TYPES OF CASUALTY POLICIES (13 Items)
    • 2.1 Personal Automobile
    • 2.1 Personal Automobile — Liability
    • 2.1 Personal Automobile — Medical Payments
    • 2.1 Personal Automobile — Physical damage (collision and other than collision)
    • 2.1 Personal Automobile — Uninsured motorists
    • 2.1 Personal Automobile — Underinsured motorists
    • 2.1 Personal Automobile — Who is an insured
    • 2.1 Personal Automobile — Types of Auto
    • 2.1 Personal Automobile — Types of Auto — Owned
    • 2.1 Personal Automobile — Types of Auto — Temporary Substitute
    • 2.1 Personal Automobile — Use and Eligibility of Auto
    • 2.2 Personal Liability
    • 2.3 Umbrella/Excess Liability
    • 2.4 Other Personal Exposures
    • 2.4 Other Personal Exposures — Errors and Omissions
  • PROPERTY AND CASUALTY INSURANCE TERMS AND RELATED CONCEPTS (28 Items)
    • 3.1 Insurable Interest
    • 3.2 Risk
    • 3.3 Hazard
    • 3.4 Peril
    • 3.5 Loss
    • 3.5 Loss — Direct
    • 3.5 Loss — Indirect
    • 3.6 Proximate Cause
    • 3.7 Deductible
    • 3.8 Indemnity
    • 3.9 Actual Cash Value
    • 3.10 Replacement Cost
    • 3.11 Limits of Liability
    • 3.12 Pair and Set Clause
    • 3.13 Extensions of Coverage
    • 3.14 Additional Coverages
    • 3.15 Accident
    • 3.16 Occurrence
    • 3.17 Vacancy and Unoccupancy
    • 3.18 Right of Salvage
    • 3.19 Abandonment
    • 3.20 Liability
    • 3.21 Negligence
    • 3.22 Theft
    • 3.23 Burglary
    • 3.24 Robbery
    • 3.25 Mysterious Disappearance
    • 3.26 Binders
    • 3.27 Bodily Injury Liability
    • 3.28 Property Damage Liability
    • 3.29 Personal Injury Liability
    • 3.30 Certificate of Insurance
    • 3.31 Risk Management
    • 3.32 Professional Designations
  • PROPERTY AND CASUALTY POLICY PROVISIONS AND CONTRACT LAW (24 Items)
    • 4.1 Declarations
    • 4.2 Insuring Agreement
    • 4.3 Conditions
    • 4.4 Exclusions
    • 4.5 Definitions
    • 4.6 Duties of the Insured After a Loss
    • 4.7 Obligations of the Insurance Company
    • 4.8 Mortgagee Rights
    • 4.9 Proof of Loss
    • 4.10 Notice of Claim
    • 4.11 Appraisal
    • 4.12 Other Insurance
    • 4.13 Assignment
    • 4.14 Subrogation
    • 4.15 Elements of a Contract
    • 4.16 Sources of Underwriting Information
    • 4.17 Compliance with Provisions of Fair Credit Reporting Act
    • 4.18 Cancellation and Nonrenewal Provisions
    • 4.19 Additional (Supplementary) Payments
    • 4.20 Loss Settlement Provisions Including Consent to Settle a Loss
    • 4.21 Limitations
    • 4.22 Representations and Misrepresentations
    • 4.23 Concealment
    • 4.24 Arbitration
    • 4.25 Coinsurance
    • 4.26 Endorsements
    • 4.27 Premium Payments
    • 4.28 Effective Dates of Coverage
  • New Jersey Laws, Rules, and Regulations Common to Life, Accident and Health, Property, and Casualty Insurance (25 Items)
    • 5.1 State Regulatory Jurisdiction
    • 5.1 State Regulatory Jurisdiction — Legislation
    • 5.1 State Regulatory Jurisdiction — Legislation — State Laws
    • 5.1 State Regulatory Jurisdiction — Legislation — Court Action
    • 5.1 State Regulatory Jurisdiction — Legislation — Court Action — Interpretations
    • 5.1 State Regulatory Jurisdiction — Legislation — Court Action — Effect on Law and Policy Forms
    • 5.1 State Regulatory Jurisdiction — Legislation — Related Federal Laws and court Cases
    • 5.1 State Regulatory Jurisdiction — Legislation — Related Federal Laws and court Cases — Paul v. Virginia
    • 5.1 State Regulatory Jurisdiction — Legislation — Related Federal Laws and court Cases — US v. South-Eastern Underwriters Assoc.
    • 5.1 State Regulatory Jurisdiction — Legislation — Related Federal Laws and court Cases — McCarran-Ferguson Act/Public Law 15
    • 5.1 State Regulatory Jurisdiction — Commissioner/Dept. of Banking and Insurance
    • 5.1 State Regulatory Jurisdiction — Commissioner/Dept. of Banking and Insurance — Broad Powers of Commissioner
    • 5.1 State Regulatory Jurisdiction — Commissioner/Dept. of Banking and Insurance — Notice and Hearing
    • 5.1 State Regulatory Jurisdiction — Commissioner/Dept. of Banking and Insurance — Penalties
    • 5.2 Definitions
    • 5.2 Definitions — Insurance-related conduct
    • 5.2 Definitions — Domestic, foreign, and alien companies
    • 5.2 Definitions — Stock and mutual
    • 5.2 Definitions — Reinsurance
    • 5.2 Definitions — Certificate of authority
    • 5.2 Definitions — A producer acting as: Insurance Agent
    • 5.2 Definitions — A producer acting as: Insurance Broker
    • 5.2 Definitions — A producer acting as: Insurance Consultant
    • 5.2 Definitions — Sell, Solicit, and Negotiate
    • 5.3 Licensing
    • 5.3 Licensing — Types of licenses/authorities/requirements
    • 5.3 Licensing — Types of licenses/authorities/requirements — Producer
    • 5.3 Licensing — Types of licenses/authorities/requirements — Business entity
    • 5.3 Licensing — Types of licenses/authorities/requirements — Nonresident — Producer
    • 5.3 Licensing — Types of licenses/authorities/requirements — Nonresident — Business Entity
    • 5.3 Licensing — Types of licenses/authorities/requirements — Prelicensing requirements
    • 5.3 Licensing — Types of licenses/authorities/requirements — Surplus lines
    • 5.3 Licensing — Temporary work authority
    • 5.3 Licensing — Contractual relationships
    • 5.3 Licensing — Contractual relationships — Company/producer
    • 5.3 Licensing — Contractual relationships — Producer substituting for or taking over the business of a disabled/deceased producer
    • 5.3 Licensing — Maintenance and duration of license
    • 5.3 Licensing — Maintenance and duration of license — Renewal
    • 5.3 Licensing — Maintenance and duration of license — Certification of license status
    • 5.3 Licensing — License refusal/termination
    • 5.3 Licensing — License refusal/termination — Denial
    • 5.3 Licensing — License refusal/termination — Cancellation/reinstatement
    • 5.3 Licensing — License refusal/termination — Revocation/suspension
    • 5.4 Trade Practices
    • 5.4 Trade Practices — Prohibited practices
    • 5.4 Trade Practices — Licensee responsibilities (Reporting information to the Department of Banking and Insurance)
    • 5.4 Trade Practices — Licensee responsibilities — Business names (including fictitious)
    • 5.4 Trade Practices — Licensee responsibilities — Branch offices
    • 5.4 Trade Practices — Licensee responsibilities — Change of address
    • 5.4 Trade Practices — Licensee responsibilities — Standards of conduct
    • 5.5 Fraud
    • 5.6 Ethics
    • 5.7 Information Privacy
  • New Jersey Laws, Rules, and Regulations Pertinent to Property Insurance Only (4 Items)
    • 6.1 New Jersey Insurance Underwriting Association (FAIR Plan)
    • 6.1 New Jersey Insurance Underwriting Association (FAIR Plan) — Purpose
    • 6.1 New Jersey Insurance Underwriting Association (FAIR Plan) — Creation of association, membership
    • 6.1 New Jersey Insurance Underwriting Association (FAIR Plan) — Application, contents, denial
    • 6.1 New Jersey Insurance Underwriting Association (FAIR Plan) — Application, contents, denial — Limits
    • 6.1 New Jersey Insurance Underwriting Association (FAIR Plan) — Application, contents, denial — Binding
    • 6.1 New Jersey Insurance Underwriting Association (FAIR Plan) — Application, contents, denial — Agent’s authority and obligation
    • 6.1 New Jersey Insurance Underwriting Association (FAIR Plan) — Rates
    • 6.2 Cancellation/Nonrenewal
    • 6.3 Surplus Lines (homeowners)
    • 6.3 Surplus Lines (homeowners) — Certificate of diligent effort
    • 6.3 Surplus Lines (homeowners) — Exportable list
    • 6.4 Coastal properties and hurricane risk
    • 6.5 Workers' Compensation domestic employees coverage
  • New Jersey Laws, Rules, and Regulations Pertinent to Casualty Insurance Only (8 Items)
    • 7.1 Auto Insurance
    • 7.1 Auto Insurance — Requirements
    • 7.1 Auto Insurance — Requirements — Bodily Injury and Property Damage
    • 7.1 Auto Insurance — Requirements — Uninsured and underinsured Motorists
    • 7.1 Auto Insurance — Requirements — Evidence of insurance/identification cards
    • 7.1 Auto Insurance — Personal Injury Protection (PIP)
    • 7.1 Auto Insurance — Personal Injury Protection (PIP) — Definitions
    • 7.1 Auto Insurance — Personal Injury Protection (PIP) — Benefits
    • 7.1 Auto Insurance — Personal Injury Protection (PIP) — Primacy of coverage
    • 7.1 Auto Insurance — Personal Injury Protection (PIP) — Exclusions/deductibles
    • 7.1 Auto Insurance — Personal Injury Protection (PIP) — Tort options
    • 7.1 Auto Insurance — New Jersey Automobile Residual Market Personal Automobile Insurance Plan (PAIP)
    • 7.1 Auto Insurance — New Jersey Automobile Residual Market Personal Automobile Insurance Plan (PAIP) — Purpose
    • 7.1 Auto Insurance — New Jersey Automobile Residual Market Personal Automobile Insurance Plan (PAIP) — Rates
    • 7.1 Auto Insurance — New Jersey Automobile Residual Market Personal Automobile Insurance Plan (PAIP) — Servicing carriers
    • 7.1 Auto Insurance — New Jersey Automobile Residual Market Personal Automobile Insurance Plan (PAIP) — Available coverages
    • 7.1 Auto Insurance — New Jersey Automobile Residual Market Personal Automobile Insurance Plan (PAIP) — UEZ Program
    • 7.1 Auto Insurance — Basic Auto Insurance Policy
    • 7.1 Auto Insurance — Special Auto Insurance Policy (SAIP)
    • 7.2 Commercial Insurance Deregulation
    • 7.3 Cancellation and Nonrenewal
    • 7.4 Surplus Lines
    • 7.4 Surplus Lines — Certificate of diligent effort
    • 7.4 Surplus Lines — Exportable list
Examination sources

New Jersey Casualty Producer Examination

Provider
PSI Services LLC
Format
Computer-administered questions; test center or remote proctoring
Exam questions
91 scored items; 5–19 additional unscored experimental questions may be administered
Time limit
3.5 hours
Passing score
70% correct
Examination outline
  • Types of Policies, Bonds, and Related Terms (23 Items)
    • 1.1 Commercial General Liability
    • 1.1 Basic Hazards — Premises and Operations
    • 1.1 Basic Hazards — Products and Completed Operations
    • 1.1 Basic Hazards — Independent Contractors
    • 1.1 Basic Hazards — Insured Contracts
    • 1.1 Commercial General Liability Coverage Forms — Coverage A: Bodily Injury and Property Damage Liability
    • 1.1 Coverage A — Occurrence
    • 1.1 Coverage A — Claims Made
    • 1.1 Claims Made — Extended Reporting Periods: Basic and Supplemental
    • 1.1 Claims Made — Retroactive Date
    • 1.1 Coverage B: Personal Injury and Advertising Injury
    • 1.1 Coverage C: Medical Payments
    • 1.1 Supplemental Payments
    • 1.1 Who is an insured
    • 1.1 Limits
    • 1.1 Conditions (The candidate also should be familiar with ISO’s Common Policy Conditions)
    • 1.1 Definitions
    • 1.2 Automotive: Personal Auto and Business Auto
    • 1.2 Liability
    • 1.2 Medical Payments
    • 1.2 Physical damage (collision and other than collision/comprehensive)
    • 1.2 Uninsured motorists
    • 1.2 Underinsured motorists
    • 1.2 Who is an insured
    • 1.2 Types of Auto — Owned
    • 1.2 Types of Auto — Non-owned
    • 1.2 Types of Auto — Hired
    • 1.2 Types of Auto — Temporary Substitute
    • 1.2 Garage Coverage Form, including Garagekeepers insurance
    • 1.3 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.)
    • 1.3 Standard policy concepts
    • 1.3 Work-related vs. non-work-related
    • 1.3 Other states’ insurance
    • 1.4 Crime — Employee Theft
    • 1.4 Crime — Inside the Premises-Theft of Money and Securities
    • 1.4 Crime — Inside the Premises-Robbery or Safe Burglary of Other Property
    • 1.4 Crime — Inside the Premises-Robbery or Burglary of Other Property
    • 1.5 Surety Bonding — Definitions: Obligee
    • 1.5 Surety Bonding — Definitions: Principal
    • 1.5 Surety Bonding — Definitions: Surety
    • 1.6 Professional Liability — Errors and Omissions
    • 1.7 Umbrella/Excess Liability
  • Insurance Terms and Related Concepts (15 Items)
    • 2.1 Risk
    • 2.2 Hazard
    • 2.3 Indemnity
    • 2.4 Insurable Interest
    • 2.5 Actual Cash Value
    • 2.6 Negligence
    • 2.7 Liability
    • 2.8 Accident
    • 2.9 Occurrence
    • 2.10 Burglary
    • 2.11 Robbery
    • 2.12 Theft
    • 2.13 Mysterious Disappearance
    • 2.14 Binders
    • 2.15 Warranties
    • 2.16 Representations
    • 2.17 Concealment
    • 2.18 Bodily Injury Liability
    • 2.19 Property Damage Liability
    • 2.20 Personal Injury Liability
    • 2.21 Limits of Liability
    • 2.22 Deductibles
    • 2.23 Insured Contract
    • 2.24 Deposit Premium/Audit
    • 2.25 Certificate of Insurance
  • Policy Provisions (12 Items)
    • 3.1 Declarations
    • 3.2 Insuring Agreement
    • 3.3 Conditions
    • 3.4 Exclusions and Limitations
    • 3.5 Definition of the Insured
    • 3.6 Duties of the Insured After a Loss
    • 3.7 Cancellation and Nonrenewal Provisions
    • 3.8 Additional (Supplementary) Payments
    • 3.9 Proof of Loss
    • 3.10 Notice of Claim
    • 3.11 Arbitration
    • 3.12 Other Insurance
    • 3.13 Subrogation
    • 3.14 Compliance with Provisions of Fair Credit Reporting Act
    • 3.15 Claims Made Policy Form
    • 3.16 Salvage
    • 3.17 Loss Settlement Provisions Including Consent to Settle a Loss
  • New Jersey Laws, Rules, and Regulations Common to Life, Accident and Health, Property, and Casualty Insurance (25 Items)
    • 4.1 State Regulatory Jurisdiction
    • 4.1 Legislation — State Laws
    • 4.1 Legislation — Court Action: Interpretations
    • 4.1 Legislation — Court Action: Effect on Law and Policy Forms
    • 4.1 Legislation — Related Federal Laws and court Cases: Paul v. Virginia
    • 4.1 Legislation — Related Federal Laws and court Cases: US v. South-Eastern Underwriters Assoc.
    • 4.1 Legislation — Related Federal Laws and court Cases: McCarran-Ferguson Act/Public Law 15
    • 4.1 Commissioner/Dept. of Banking and Insurance — Broad Powers of Commissioner
    • 4.1 Commissioner/Dept. of Banking and Insurance — Notice and Hearing
    • 4.1 Commissioner/Dept. of Banking and Insurance — Penalties
    • 4.2 Definitions — Insurance-related conduct
    • 4.2 Definitions — Domestic, foreign, and alien companies
    • 4.2 Definitions — Stock and mutual
    • 4.2 Definitions — Reinsurance
    • 4.2 Definitions — Certificate of authority
    • 4.2 A producer acting as — Insurance Agent
    • 4.2 A producer acting as — Insurance Broker
    • 4.2 A producer acting as — Insurance Consultant
    • 4.2 “Sell, Solicit, and Negotiate”
    • 4.3 Licensing — Types of licenses/authorities/requirements: Producer
    • 4.3 Licensing — Types of licenses/authorities/requirements: Business entity
    • 4.3 Licensing — Types of licenses/authorities/requirements: Nonresident Producer
    • 4.3 Licensing — Types of licenses/authorities/requirements: Nonresident Business Entity
    • 4.3 Licensing — Types of licenses/authorities/requirements: Prelicensing requirements
    • 4.3 Licensing — Types of licenses/authorities/requirements: Surplus lines
    • 4.3 Licensing — Temporary work authority
    • 4.3 Licensing — Contractual relationships: Company/producer
    • 4.3 Licensing — Contractual relationships: Producer substituting for or taking over the business of a disabled/deceased producer
    • 4.3 Licensing — Maintenance and duration of license
    • 4.3 Licensing — Renewal
    • 4.3 Licensing — Certification of license status
    • 4.3 Licensing — License refusal/termination: Denial
    • 4.3 Licensing — License refusal/termination: Cancellation/reinstatement
    • 4.3 Licensing — License refusal/termination: Revocation/suspension
    • 4.4 Trade Practices — Prohibited practices
    • 4.4 Trade Practices — Licensee responsibilities (Reporting information to the Department of Banking and Insurance): Business names (including fictitious)
    • 4.4 Trade Practices — Licensee responsibilities: Branch offices
    • 4.4 Trade Practices — Licensee responsibilities: Change of address
    • 4.4 Trade Practices — Licensee responsibilities: Standards of conduct
    • 4.5 Fraud
    • 4.6 Ethics
    • 4.7 Information Privacy
  • New Jersey Laws, Rules, and Regulations Pertinent to Casualty Insurance Only (16 Items)
    • 5.1 Auto Insurance — Requirements: Bodily Injury and Property Damage
    • 5.1 Auto Insurance — Requirements: Uninsured and underinsured Motorists
    • 5.1 Auto Insurance — Requirements: Evidence of insurance/identification cards
    • 5.1 Auto Insurance — Personal Injury Protection (PIP): Definitions
    • 5.1 Auto Insurance — Personal Injury Protection (PIP): Benefits
    • 5.1 Auto Insurance — Personal Injury Protection (PIP): Primacy of coverage
    • 5.1 Auto Insurance — Personal Injury Protection (PIP): Exclusions/deductibles
    • 5.1 Auto Insurance — Personal Injury Protection (PIP): Tort options
    • 5.1 Auto Insurance — New Jersey Automobile Residual Market Personal Automobile Insurance Plan (PAIP): Purpose
    • 5.1 Auto Insurance — PAIP: Rates
    • 5.1 Auto Insurance — PAIP: Servicing carriers
    • 5.1 Auto Insurance — PAIP: Available coverages
    • 5.1 Auto Insurance — UEZ Program
    • 5.1 Auto Insurance — Commercial Automobile Insurance Plan (CAIP): Purpose
    • 5.1 Auto Insurance — CAIP: Rates
    • 5.1 Auto Insurance — CAIP: Servicing carriers
    • 5.1 Auto Insurance — CAIP: Available coverages
    • 5.1 Auto Insurance — Basic Auto Insurance Policy
    • 5.1 Auto Insurance — Special Auto Insurance Policy (SAIP)
    • 5.2 Workers' Compensation — Commercial coverage: Purpose
    • 5.2 Workers' Compensation — Commercial coverage: Definitions
    • 5.2 Workers' Compensation — Commercial coverage: Requirements
    • 5.2 Workers' Compensation — Commercial coverage: Benefits
    • 5.2 Workers' Compensation — Commercial coverage: Defenses
    • 5.2 Workers' Compensation — Commercial coverage: Ratings Plans
    • 5.2 Workers' Compensation — Commercial coverage: Assigned Risk Plan (Workers Compensation Insurance Plan)
    • 5.2 Workers' Compensation — Commercial coverage: Surcharges
    • 5.2 Workers' Compensation — Commercial coverage: Compensation Rating and Inspection Bureau (CRIB)
    • 5.2 Workers' Compensation — Domestic employee coverage (Homeowners)
    • 5.3 Commercial Insurance Deregulation
    • 5.4 Cancellation and Nonrenewal
    • 5.5 Surplus Lines — Certificate of diligent effort
    • 5.5 Surplus Lines — Exportable list
    • 5.6 Certificates of Insurance
Examination sources

Property Producer Examination

Provider
PSI Services LLC
Format
Computer-administered written examination
Exam questions
79
Time limit
3.5 Hours
Passing score
70% Correct
Examination outline
  • TYPES OF POLICIES (25 Items)
    • Personal Lines
    • Dwelling and contents (DP forms)
    • Homeowners (HO forms)
    • Mobile Homes
    • Commercial Lines
    • Commercial property
    • Commercial building and personal property form
    • Causes of loss forms
    • Business income
    • Extra expense
    • Commercial Package Policy (CPP)
    • Equipment Breakdown Coverage
    • Businessowners Policy (BOP)
    • Inland Marine
    • Personal floaters
    • Commercial floaters
    • Nationwide Definition
    • Others
    • Flood
    • Earthquake
  • INSURANCE TERMS AND RELATED CONCEPTS (14 Items)
    • Insurance
    • Insurable Interest
    • Risk
    • Hazard
    • Peril
    • Loss
    • Proximate Cause
    • Deductible
    • Indemnity
    • Actual Cash Value
    • Replacement Cost
    • Limits of Liability
    • Coinsurance/Insurance to Value
    • Accident
    • Occurrence
    • Cancellation
    • Nonrenewal
    • Vacancy and Un-occupancy
    • Liability
    • Negligence
    • Direct
    • Indirect
  • POLICY PROVISIONS AND CONTRACT LAW (11 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
    • Assignment
    • Subrogation1
    • Elements of a contract
    • Warranties, representations, and concealment
    • Binders
    • Sources of Insurability Information
    • Fair Credit Reporting Act
  • New Jersey Laws, Rules, and Regulations Common to Life, Accident and Health, Property, and Casualty Insurance (25 Items)
    • State Regulatory Jurisdiction
    • Legislation
    • State Laws
    • Court Action
    • Interpretations
    • Effect on Law and Policy Forms
    • Related Federal Laws and court Cases
    • Paul v. Virginia
    • US v. South-Eastern Underwriters Assoc.
    • McCarran-Ferguson Act/Public Law 15
    • Commissioner/Dept. of Banking and Insurance
    • Broad Powers of Commissioner
    • Notice and Hearing
    • Penalties
    • Definitions
    • Insurance-related conduct
    • Domestic, foreign, and alien companies
    • Stock and mutual
    • Reinsurance
    • Certificate of authority
    • A producer acting as:
    • Insurance Agent
    • Insurance Broker
    • Insurance Consultant
    • “Sell, Solicit, and Negotiate”
    • Licensing
    • Types of licenses/authorities/requirements
    • Producer
    • Business entity
    • Nonresident
    • Producer
    • Business Entity
    • Prelicensing requirements
    • Surplus lines
    • Temporary work authority
    • Contractual relationships
    • Company/producer
    • Producer substituting for or taking over the business of a disabled/deceased producer
    • Maintenance and duration of license
    • Renewal
    • Certification of license status
    • License refusal/termination
    • Denial
    • Cancellation/reinstatement
    • Revocation/suspension
    • Trade Practices
    • Prohibited practices
    • Licensee responsibilities (Reporting information to the Department of Banking and Insurance)
    • Business names (including fictitious)
    • Branch offices
    • Change of address
    • Standards of conduct
    • Fraud
    • Ethics
    • Information Privacy
  • New Jersey Laws, Rules, and Regulations Pertinent to Property Insurance Only (4 Items)
    • New Jersey Insurance Underwriting Association (FAIR Plan)
    • Purpose
    • Creation of association, membership
    • Application, contents, denial
    • Limits
    • Binding
    • Agent’s authority and obligation
    • Rates
    • Cancellation/Nonrenewal
    • Surplus Lines (homeowners and commercial lines)
    • Certificate of diligent effort
    • Exportable list
    • Coastal properties and hurricane risk
    • Commercial Insurance Deregulation
Examination sources

Surplus Lines Examination

Provider
PSI Services LLC
Format
Computer-administered written examination
Exam questions
50
Time limit
3.5 Hours
Passing score
70% Correct
Examination outline
  • General Insurance Definitions (14 Items)
    • Actual cash value
    • Agreed value
    • Coinsurance
    • Insurable interest
    • Loss
    • Negligence
    • Physical hazard
    • Proximate cause
    • Reinsurance
    • Replacement cost
    • Risk
    • Salvage
    • Nonadmitted/ approved carrier
    • Underwriting cycle
    • Managing General Agent (MGA)
    • Wholesale broker
  • Surplus Lines Markets (5 Items)
    • Insurance market
    • Producers
    • MGA
    • Brokerage
    • Wholesale
    • United States nonadmitted market
    • London market
    • Lloyd’s brokers
    • United States trust fund
    • Syndicates
    • London companies
    • Other foreign markets
    • Insurance exchanges
  • Policies, Coverages, Forms (5 Items)
    • Commercial General Liability
    • Professional liability
    • Transportation
    • Claims Made vs Occurrence
    • Building and Personal Property
    • Crime
    • Umbrella/ Excess Liability
    • Inland Marine
    • Statements
    • Policy statements
    • Originating broker’s statement
  • Surplus Lines Licensing (5 Items)
    • Powers and duties of the Commissioner of Banking and Insurance
    • License requirements, issuance
    • License revocation, suspension
    • Fraud
  • Surplus Lines Law (20 Items)
    • Purpose
    • Reports, records
    • Coverage and Eligibility
    • Definitions
    • Surplus Lines
    • Agent
    • Insurer
    • Authorized/Unauthorized
    • Export
    • Exportable list
    • Premiums, evidence of insurance
    • Premium tax
    • Conditions for procuring
    • Rate standards
    • Surplus Lines Association of New Jersey
    • Multi-State risk/ premium tax allocation
    • Qualifications for Surplus Lines Insurers
    • Alien
    • Foreign
    • Premium Rates
    • Procurement
    • Placement requirements
    • Courtesy filings not allowed
    • Certification of effort
    • Diligent effort
    • Exportable list and export hearing
    • Approval
    • Service of suit
    • Fees
    • Penalties specific to Surplus Lines
  • Surplus Lines Guaranty Fund (1 Item)
    • Coverages
    • Limit
Examination sources