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Oregon Property & Casualty Insurance — Requirements & Free Practice

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Nonresident Insurance Producer License

Nonresident individual producer license for the relevant property and casualty authorizations.

Licensing authority: Oregon Department of Consumer and Business Services, Division of Financial Regulation · Application information

Nonresident issuance under ORS 744.064 — Casualty insurance
Oregon Producer's Examination for Casualty Insurance
Application
Submit the proper request, fees and home-jurisdiction resident application or Uniform Application, plus other director-prescribed qualifications.
Authorization
Casualty insurance
Eligibility
Resident producer license in good standing in Canada, Mexico or a nonreciprocal jurisdiction; the director must determine reciprocal terms reasonable and fair to Oregon licensees.
Implementation Conflict
The August 5, 2025 bulletin generally says home-state licensed agents/brokers are exam-exempt. ORS 744.064 specifically requires a class-appropriate written examination for this nonreciprocal route, subject to its waiver; that statute controls.
Waiver
The written examination can be waived under ORS 744.064(3) when the director accepts the other jurisdiction’s written examination or comparable requirement, receives the regulator’s certification, and finds fair reciprocal treatment. The other jurisdiction’s assessment is a condition only.
Nonresident issuance under ORS 744.064 — Property and casualty coverage sold to individuals and families for primarily noncommercial purposes
Oregon Producer's Examination for Personal Lines Insurance (practice unavailable)
Application
Submit the proper request, fees and home-jurisdiction resident application or Uniform Application, plus other director-prescribed qualifications.
Authorization
Property and casualty coverage sold to individuals and families for primarily noncommercial purposes
Eligibility
Resident producer license in good standing in Canada, Mexico or a nonreciprocal jurisdiction; the director must determine reciprocal terms reasonable and fair to Oregon licensees.
Implementation Conflict
The August 5, 2025 bulletin generally says home-state licensed agents/brokers are exam-exempt. ORS 744.064 specifically requires a class-appropriate written examination for this nonreciprocal route, subject to its waiver; that statute controls.
Waiver
The written examination can be waived under ORS 744.064(3) when the director accepts the other jurisdiction’s written examination or comparable requirement, receives the regulator’s certification, and finds fair reciprocal treatment. The other jurisdiction’s assessment is a condition only.
Nonresident issuance under ORS 744.064 — Property insurance
Oregon Producer's Examination for Property Insurance (practice unavailable)
Application
Submit the proper request, fees and home-jurisdiction resident application or Uniform Application, plus other director-prescribed qualifications.
Authorization
Property insurance
Eligibility
Resident producer license in good standing in Canada, Mexico or a nonreciprocal jurisdiction; the director must determine reciprocal terms reasonable and fair to Oregon licensees.
Implementation Conflict
The August 5, 2025 bulletin generally says home-state licensed agents/brokers are exam-exempt. ORS 744.064 specifically requires a class-appropriate written examination for this nonreciprocal route, subject to its waiver; that statute controls.
Waiver
The written examination can be waived under ORS 744.064(3) when the director accepts the other jurisdiction’s written examination or comparable requirement, receives the regulator’s certification, and finds fair reciprocal treatment. The other jurisdiction’s assessment is a condition only.
Nonresident issuance under ORS 744.064 — Both property and casualty insurance

At least one of the following alternatives:

Application
Submit the proper request, fees and home-jurisdiction resident application or Uniform Application, plus other director-prescribed qualifications.
Authorization
Both property and casualty insurance
Eligibility
Resident producer license in good standing in Canada, Mexico or a nonreciprocal jurisdiction; the director must determine reciprocal terms reasonable and fair to Oregon licensees.
Implementation Conflict
The August 5, 2025 bulletin generally says home-state licensed agents/brokers are exam-exempt. ORS 744.064 specifically requires a class-appropriate written examination for this nonreciprocal route, subject to its waiver; that statute controls.
Waiver
The written examination can be waived under ORS 744.064(3) when the director accepts the other jurisdiction’s written examination or comparable requirement, receives the regulator’s certification, and finds fair reciprocal treatment. The other jurisdiction’s assessment is a condition only.
Nonresident issuance by home state reciprocity
No examination is required for this applicant pathway.
Application
Submit the proper request, applicable fees and the home-state resident application or Uniform Application; certification is needed if not shown active in the NAIC Producer Database.
Home License
Current resident producer license in good standing for the requested lines.
Other Jurisdiction Examinations
Examinations of another jurisdiction are applicant qualifications rather than Oregon requirement leaves.
Reciprocity
The home jurisdiction grants Oregon residents nonresident producer licenses on the same basis.

Official no-examination sources

Effective from 2026-09-22.

Reinstate lapsed nonresident individual producer license within 12 months
No examination is required for this applicant pathway.
Eligibility
Continue to qualify for nonresident licensure; applicable unmet continuing-education requirements must be satisfied.
Fees
Pay the statutory late/reinstatement amount equal to double the unpaid renewal fee.
Time Limit
Within 12 months after the renewal due date.

Official no-examination sources

Effective from 2026-09-22.

Renew reciprocal nonresident individual producer license
No examination is required for this applicant pathway.
Director Discretion
The director can request original-issuance qualifications under ORS 744.072(3); this reciprocal route’s original qualifications carry no Oregon examination.
Fees
Renew biennially and pay applicable fees.
Home License
Maintain home-state resident producer license in good standing and reciprocal eligibility.

Official no-examination sources

Effective from 2026-09-22.

Resident Insurance Producer License

Individual resident producer license with property, casualty, personal lines and related limited authorizations. Oregon places all lines on one license; these are route conditions rather than separate credential identities.

Licensing authority: Oregon Department of Consumer and Business Services, Division of Financial Regulation · Application information

Add authorization to an existing resident producer license — Casualty insurance
Oregon Producer's Examination for Casualty Insurance
Authorization
Casualty insurance
Existing License
Hold an active producer license; add the requested lines by application and fees under ORS 744.062(3).
Fingerprints
The current DFR instructions do not require another background check for an added line on an existing active license.
Qualification
Meet the qualifications for each added class, including its education or qualifying experience; ORS 744.067 exemptions and director-approved waivers remain applicant conditions.
Add authorization to an existing resident producer license — Property and casualty coverage sold to individuals and families for primarily noncommercial purposes
Oregon Producer's Examination for Personal Lines Insurance (practice unavailable)
Authorization
Property and casualty coverage sold to individuals and families for primarily noncommercial purposes
Existing License
Hold an active producer license; add the requested lines by application and fees under ORS 744.062(3).
Fingerprints
The current DFR instructions do not require another background check for an added line on an existing active license.
Qualification
Meet the qualifications for each added class, including its education or qualifying experience; ORS 744.067 exemptions and director-approved waivers remain applicant conditions.
Add authorization to an existing resident producer license — Property insurance
Oregon Producer's Examination for Property Insurance (practice unavailable)
Authorization
Property insurance
Existing License
Hold an active producer license; add the requested lines by application and fees under ORS 744.062(3).
Fingerprints
The current DFR instructions do not require another background check for an added line on an existing active license.
Qualification
Meet the qualifications for each added class, including its education or qualifying experience; ORS 744.067 exemptions and director-approved waivers remain applicant conditions.
Add authorization to an existing resident producer license — Both property and casualty insurance

At least one of the following alternatives:

Authorization
Both property and casualty insurance
Existing License
Hold an active producer license; add the requested lines by application and fees under ORS 744.062(3).
Fingerprints
The current DFR instructions do not require another background check for an added line on an existing active license.
Qualification
Meet the qualifications for each added class, including its education or qualifying experience; ORS 744.067 exemptions and director-approved waivers remain applicant conditions.
Resident issuance with C.P.C.U. designation — Casualty insurance
Oregon Producer's Examination for Casualty Insurance
Application
Submit a truthful, complete Uniform Application electronically with applicable fees; the director may require supporting documents.
Authorization
Casualty insurance
Business Affiliation
An active license does not itself authorize transactions without the required insurer appointment or business-entity employment/contract; agency affiliation is reported within 30 days.
Certificate Period
For the training pathway, the course certificate is valid for one year; pass the examination and apply before expiration, as stated in the August 5, 2025 Candidate Information Bulletin.
Designation
Hold the Chartered Property Casualty Underwriter (C.P.C.U.) designation and submit verification.
Fitness
No disqualifying acts under ORS 744.074; applicable criminal history review and fingerprinting are required. Offenses subject to 18 USC 1033 require the director’s written consent under OAR 836-071-0323.
Minimum Age
At least 18 years old under ORS 744.059(1)(a).
Passing Score
At least 70 percent on each required producer examination under OAR 836-071-0127.
Residence Or Business
Establish an Oregon residence or place of business for acting as an insurance producer under ORS 744.058(1).
Waiver
ORS 744.067(3) excuses prelicensing education and the ORS 744.058 examination if the director is satisfied, by examination or otherwise, of knowledge of the applicable Insurance Code. The bulletin’s waiver list explicitly excuses prelicensing education; any granted examination waiver is applicant-specific. The recognized producer exams remain referenced.
Resident initial issuance by examination — Casualty insurance — education
Oregon Producer's Examination for Casualty Insurance
Application
Submit a truthful, complete Uniform Application electronically with applicable fees; the director may require supporting documents.
Authorization
Casualty insurance
Business Affiliation
An active license does not itself authorize transactions without the required insurer appointment or business-entity employment/contract; agency affiliation is reported within 30 days.
Certificate Period
For the training pathway, the course certificate is valid for one year; pass the examination and apply before expiration, as stated in the August 5, 2025 Candidate Information Bulletin.
Education
Complete 20 hours for each requested line under OAR 836-071-0180(3), using approved classroom, supervised recorded lectures or verifiable online self-study. Property and casualty together require 20 hours each. Casualty training includes surety and qualifies for personal-lines training; marine and transportation may fall in property or casualty.
Fitness
No disqualifying acts under ORS 744.074; applicable criminal history review and fingerprinting are required. Offenses subject to 18 USC 1033 require the director’s written consent under OAR 836-071-0323.
Minimum Age
At least 18 years old under ORS 744.059(1)(a).
Passing Score
At least 70 percent on each required producer examination under OAR 836-071-0127.
Residence Or Business
Establish an Oregon residence or place of business for acting as an insurance producer under ORS 744.058(1).
Resident initial issuance by examination — Casualty insurance — experience
Oregon Producer's Examination for Casualty Insurance
Application
Submit a truthful, complete Uniform Application electronically with applicable fees; the director may require supporting documents.
Authorization
Casualty insurance
Business Affiliation
An active license does not itself authorize transactions without the required insurer appointment or business-entity employment/contract; agency affiliation is reported within 30 days.
Designation Credits
For property/casualty experience, AAI, ARM and CIC coursework substitute three years; ACSR, CPSR and CPIW substitute two years; comparable designations may be recognized by the director under OAR 836-071-0180(7).
Experience
Under OAR 836-071-0180(6), qualify with an accredited insurance degree; or three years of verifiable relevant unlicensed work with some within the prior two years; or three years of resident producer/agent/broker licensure elsewhere within the prior two years when not otherwise exempt under ORS 744.067.
Experience Proof
Employer Division Qualification Form and employer verification are required for claimed pretraining experience; designation coursework is proven by the sponsoring organization’s completion certificate or passing-score notice.
Fitness
No disqualifying acts under ORS 744.074; applicable criminal history review and fingerprinting are required. Offenses subject to 18 USC 1033 require the director’s written consent under OAR 836-071-0323.
Minimum Age
At least 18 years old under ORS 744.059(1)(a).
Passing Score
At least 70 percent on each required producer examination under OAR 836-071-0127.
Residence Or Business
Establish an Oregon residence or place of business for acting as an insurance producer under ORS 744.058(1).
Resident initial issuance by examination — Property and casualty coverage sold to individuals and families for primarily noncommercial purposes — education
Oregon Producer's Examination for Personal Lines Insurance (practice unavailable)
Application
Submit a truthful, complete Uniform Application electronically with applicable fees; the director may require supporting documents.
Authorization
Property and casualty coverage sold to individuals and families for primarily noncommercial purposes
Business Affiliation
An active license does not itself authorize transactions without the required insurer appointment or business-entity employment/contract; agency affiliation is reported within 30 days.
Certificate Period
For the training pathway, the course certificate is valid for one year; pass the examination and apply before expiration, as stated in the August 5, 2025 Candidate Information Bulletin.
Education
Complete 20 hours for each requested line under OAR 836-071-0180(3), using approved classroom, supervised recorded lectures or verifiable online self-study. Property and casualty together require 20 hours each. Casualty training includes surety and qualifies for personal-lines training; marine and transportation may fall in property or casualty.
Fitness
No disqualifying acts under ORS 744.074; applicable criminal history review and fingerprinting are required. Offenses subject to 18 USC 1033 require the director’s written consent under OAR 836-071-0323.
Minimum Age
At least 18 years old under ORS 744.059(1)(a).
Passing Score
At least 70 percent on each required producer examination under OAR 836-071-0127.
Residence Or Business
Establish an Oregon residence or place of business for acting as an insurance producer under ORS 744.058(1).
Resident initial issuance by examination — Property and casualty coverage sold to individuals and families for primarily noncommercial purposes — experience
Oregon Producer's Examination for Personal Lines Insurance (practice unavailable)
Application
Submit a truthful, complete Uniform Application electronically with applicable fees; the director may require supporting documents.
Authorization
Property and casualty coverage sold to individuals and families for primarily noncommercial purposes
Business Affiliation
An active license does not itself authorize transactions without the required insurer appointment or business-entity employment/contract; agency affiliation is reported within 30 days.
Designation Credits
For property/casualty experience, AAI, ARM and CIC coursework substitute three years; ACSR, CPSR and CPIW substitute two years; comparable designations may be recognized by the director under OAR 836-071-0180(7).
Experience
Under OAR 836-071-0180(6), qualify with an accredited insurance degree; or three years of verifiable relevant unlicensed work with some within the prior two years; or three years of resident producer/agent/broker licensure elsewhere within the prior two years when not otherwise exempt under ORS 744.067.
Experience Proof
Employer Division Qualification Form and employer verification are required for claimed pretraining experience; designation coursework is proven by the sponsoring organization’s completion certificate or passing-score notice.
Fitness
No disqualifying acts under ORS 744.074; applicable criminal history review and fingerprinting are required. Offenses subject to 18 USC 1033 require the director’s written consent under OAR 836-071-0323.
Minimum Age
At least 18 years old under ORS 744.059(1)(a).
Passing Score
At least 70 percent on each required producer examination under OAR 836-071-0127.
Residence Or Business
Establish an Oregon residence or place of business for acting as an insurance producer under ORS 744.058(1).
Resident issuance for a currently or recently licensed producer
No examination is required for this applicant pathway.
Application
Apply electronically with applicable fees and fingerprints/criminal records review.
Authorization
Apply for the same property, casualty or personal-lines authority held in the former home state.
Implementation Notice
The DFR transfer instructions require surrendering the former resident license or converting it to nonresident and applying within 90 days after surrender/conversion and establishment of Oregon residency; these instructions are shown alongside the statutory current-license/90-day termination exemption.
License Status
Currently licensed in good standing, or apply within 90 days after termination and establish the prior good-standing status through certification or the NAIC Producer Database.

Official no-examination sources

Effective from 2026-09-22.

Resident issuance with C.P.C.U. designation — Both property and casualty insurance

At least one of the following alternatives:

Application
Submit a truthful, complete Uniform Application electronically with applicable fees; the director may require supporting documents.
Authorization
Both property and casualty insurance
Business Affiliation
An active license does not itself authorize transactions without the required insurer appointment or business-entity employment/contract; agency affiliation is reported within 30 days.
Certificate Period
For the training pathway, the course certificate is valid for one year; pass the examination and apply before expiration, as stated in the August 5, 2025 Candidate Information Bulletin.
Designation
Hold the Chartered Property Casualty Underwriter (C.P.C.U.) designation and submit verification.
Fitness
No disqualifying acts under ORS 744.074; applicable criminal history review and fingerprinting are required. Offenses subject to 18 USC 1033 require the director’s written consent under OAR 836-071-0323.
Minimum Age
At least 18 years old under ORS 744.059(1)(a).
Passing Score
At least 70 percent on each required producer examination under OAR 836-071-0127.
Residence Or Business
Establish an Oregon residence or place of business for acting as an insurance producer under ORS 744.058(1).
Waiver
ORS 744.067(3) excuses prelicensing education and the ORS 744.058 examination if the director is satisfied, by examination or otherwise, of knowledge of the applicable Insurance Code. The bulletin’s waiver list explicitly excuses prelicensing education; any granted examination waiver is applicant-specific. The recognized producer exams remain referenced.
Resident initial issuance by examination — Both property and casualty insurance — education

At least one of the following alternatives:

Application
Submit a truthful, complete Uniform Application electronically with applicable fees; the director may require supporting documents.
Authorization
Both property and casualty insurance
Business Affiliation
An active license does not itself authorize transactions without the required insurer appointment or business-entity employment/contract; agency affiliation is reported within 30 days.
Certificate Period
For the training pathway, the course certificate is valid for one year; pass the examination and apply before expiration, as stated in the August 5, 2025 Candidate Information Bulletin.
Education
Complete 20 hours for each requested line under OAR 836-071-0180(3), using approved classroom, supervised recorded lectures or verifiable online self-study. Property and casualty together require 20 hours each. Casualty training includes surety and qualifies for personal-lines training; marine and transportation may fall in property or casualty.
Fitness
No disqualifying acts under ORS 744.074; applicable criminal history review and fingerprinting are required. Offenses subject to 18 USC 1033 require the director’s written consent under OAR 836-071-0323.
Minimum Age
At least 18 years old under ORS 744.059(1)(a).
Passing Score
At least 70 percent on each required producer examination under OAR 836-071-0127.
Residence Or Business
Establish an Oregon residence or place of business for acting as an insurance producer under ORS 744.058(1).
Resident initial issuance by examination — Both property and casualty insurance — experience

At least one of the following alternatives:

Application
Submit a truthful, complete Uniform Application electronically with applicable fees; the director may require supporting documents.
Authorization
Both property and casualty insurance
Business Affiliation
An active license does not itself authorize transactions without the required insurer appointment or business-entity employment/contract; agency affiliation is reported within 30 days.
Designation Credits
For property/casualty experience, AAI, ARM and CIC coursework substitute three years; ACSR, CPSR and CPIW substitute two years; comparable designations may be recognized by the director under OAR 836-071-0180(7).
Experience
Under OAR 836-071-0180(6), qualify with an accredited insurance degree; or three years of verifiable relevant unlicensed work with some within the prior two years; or three years of resident producer/agent/broker licensure elsewhere within the prior two years when not otherwise exempt under ORS 744.067.
Experience Proof
Employer Division Qualification Form and employer verification are required for claimed pretraining experience; designation coursework is proven by the sponsoring organization’s completion certificate or passing-score notice.
Fitness
No disqualifying acts under ORS 744.074; applicable criminal history review and fingerprinting are required. Offenses subject to 18 USC 1033 require the director’s written consent under OAR 836-071-0323.
Minimum Age
At least 18 years old under ORS 744.059(1)(a).
Passing Score
At least 70 percent on each required producer examination under OAR 836-071-0127.
Residence Or Business
Establish an Oregon residence or place of business for acting as an insurance producer under ORS 744.058(1).
Resident issuance with C.P.C.U. designation — Property insurance
Oregon Producer's Examination for Property Insurance (practice unavailable)
Application
Submit a truthful, complete Uniform Application electronically with applicable fees; the director may require supporting documents.
Authorization
Property insurance
Business Affiliation
An active license does not itself authorize transactions without the required insurer appointment or business-entity employment/contract; agency affiliation is reported within 30 days.
Certificate Period
For the training pathway, the course certificate is valid for one year; pass the examination and apply before expiration, as stated in the August 5, 2025 Candidate Information Bulletin.
Designation
Hold the Chartered Property Casualty Underwriter (C.P.C.U.) designation and submit verification.
Fitness
No disqualifying acts under ORS 744.074; applicable criminal history review and fingerprinting are required. Offenses subject to 18 USC 1033 require the director’s written consent under OAR 836-071-0323.
Minimum Age
At least 18 years old under ORS 744.059(1)(a).
Passing Score
At least 70 percent on each required producer examination under OAR 836-071-0127.
Residence Or Business
Establish an Oregon residence or place of business for acting as an insurance producer under ORS 744.058(1).
Waiver
ORS 744.067(3) excuses prelicensing education and the ORS 744.058 examination if the director is satisfied, by examination or otherwise, of knowledge of the applicable Insurance Code. The bulletin’s waiver list explicitly excuses prelicensing education; any granted examination waiver is applicant-specific. The recognized producer exams remain referenced.
Resident initial issuance by examination — Property insurance — education
Oregon Producer's Examination for Property Insurance (practice unavailable)
Application
Submit a truthful, complete Uniform Application electronically with applicable fees; the director may require supporting documents.
Authorization
Property insurance
Business Affiliation
An active license does not itself authorize transactions without the required insurer appointment or business-entity employment/contract; agency affiliation is reported within 30 days.
Certificate Period
For the training pathway, the course certificate is valid for one year; pass the examination and apply before expiration, as stated in the August 5, 2025 Candidate Information Bulletin.
Education
Complete 20 hours for each requested line under OAR 836-071-0180(3), using approved classroom, supervised recorded lectures or verifiable online self-study. Property and casualty together require 20 hours each. Casualty training includes surety and qualifies for personal-lines training; marine and transportation may fall in property or casualty.
Fitness
No disqualifying acts under ORS 744.074; applicable criminal history review and fingerprinting are required. Offenses subject to 18 USC 1033 require the director’s written consent under OAR 836-071-0323.
Minimum Age
At least 18 years old under ORS 744.059(1)(a).
Passing Score
At least 70 percent on each required producer examination under OAR 836-071-0127.
Residence Or Business
Establish an Oregon residence or place of business for acting as an insurance producer under ORS 744.058(1).
Resident initial issuance by examination — Property insurance — experience
Oregon Producer's Examination for Property Insurance (practice unavailable)
Application
Submit a truthful, complete Uniform Application electronically with applicable fees; the director may require supporting documents.
Authorization
Property insurance
Business Affiliation
An active license does not itself authorize transactions without the required insurer appointment or business-entity employment/contract; agency affiliation is reported within 30 days.
Designation Credits
For property/casualty experience, AAI, ARM and CIC coursework substitute three years; ACSR, CPSR and CPIW substitute two years; comparable designations may be recognized by the director under OAR 836-071-0180(7).
Experience
Under OAR 836-071-0180(6), qualify with an accredited insurance degree; or three years of verifiable relevant unlicensed work with some within the prior two years; or three years of resident producer/agent/broker licensure elsewhere within the prior two years when not otherwise exempt under ORS 744.067.
Experience Proof
Employer Division Qualification Form and employer verification are required for claimed pretraining experience; designation coursework is proven by the sponsoring organization’s completion certificate or passing-score notice.
Fitness
No disqualifying acts under ORS 744.074; applicable criminal history review and fingerprinting are required. Offenses subject to 18 USC 1033 require the director’s written consent under OAR 836-071-0323.
Minimum Age
At least 18 years old under ORS 744.059(1)(a).
Passing Score
At least 70 percent on each required producer examination under OAR 836-071-0127.
Residence Or Business
Establish an Oregon residence or place of business for acting as an insurance producer under ORS 744.058(1).
Reinstate lapsed individual producer license within 12 months
No examination is required for this applicant pathway.
Education
Complete all unmet continuing education, including the lapse period; reinstatement is effective when granted by the director.
Fees
Pay twice the unpaid renewal fee for a renewal fee paid after the due date.
Time Limit
Apply within 12 months from the due date for renewal.

Official no-examination sources

Effective from 2026-09-22.

Transfer of resident licensure into Oregon
No examination is required for this applicant pathway.
Application
Apply electronically with applicable fees and fingerprints/criminal records review.
Authorization
Apply for the same property, casualty or personal-lines authority held in the former home state.
Implementation Notice
The DFR transfer instructions require surrendering the former resident license or converting it to nonresident and applying within 90 days after surrender/conversion and establishment of Oregon residency; these instructions are shown alongside the statutory current-license/90-day termination exemption.
License Status
Currently licensed in good standing, or apply within 90 days after termination and establish the prior good-standing status through certification or the NAIC Producer Database.
Residency Window
Apply no later than 90 days after establishing legal Oregon residence; the exemption covers previously held lines except as otherwise determined by rule.

Official no-examination sources

Effective from 2026-09-22.

Resident renewal — Casualty insurance
Oregon Producer's Examination for Casualty Insurance
Authorization
Casualty insurance
Director Discretion
Ordinary renewal is based on fees and continuing education. ORS 744.072(3) permits the director to require any or all original-issuance requirements, including the identified class examinations. Leaves reflect that contingent authority, not an automatic requirement to retake the exam.
Fees And Education
Pay fees by the renewal due date; resident individuals obtain 24 continuing-education hours per two-year period, including three Oregon law hours and three ethics hours, and at least two flood hours when selling/negotiating/soliciting flood coverage under OAR 836-071-0215.
Timing
Individual renewal is biennial in the birthday month under OAR 836-071-0146.
Resident renewal with extension/waiver request — Casualty insurance
Oregon Producer's Examination for Casualty Insurance
Authorization
Casualty insurance
Director Discretion
Ordinary renewal is based on fees and continuing education. ORS 744.072(3) permits the director to require any or all original-issuance requirements, including the identified class examinations. Leaves reflect that contingent authority, not an automatic requirement to retake the exam.
Extension
Military service or another extenuating circumstance can support an expiration-date extension under OAR 836-071-0148. Submit service-period documentation or evidence specified by the director; fee, continuing-education and other renewal requirements apply on the extended date. Honorable military release is required; routine reservist training is excluded. ORS 744.072(7) permits requests for exam/procedure/penalty waivers.
Fees And Education
Pay fees by the renewal due date; resident individuals obtain 24 continuing-education hours per two-year period, including three Oregon law hours and three ethics hours, and at least two flood hours when selling/negotiating/soliciting flood coverage under OAR 836-071-0215.
Timing
Individual renewal is biennial in the birthday month under OAR 836-071-0146.
Resident renewal — Property and casualty coverage sold to individuals and families for primarily noncommercial purposes
Oregon Producer's Examination for Personal Lines Insurance (practice unavailable)
Authorization
Property and casualty coverage sold to individuals and families for primarily noncommercial purposes
Director Discretion
Ordinary renewal is based on fees and continuing education. ORS 744.072(3) permits the director to require any or all original-issuance requirements, including the identified class examinations. Leaves reflect that contingent authority, not an automatic requirement to retake the exam.
Fees And Education
Pay fees by the renewal due date; resident individuals obtain 24 continuing-education hours per two-year period, including three Oregon law hours and three ethics hours, and at least two flood hours when selling/negotiating/soliciting flood coverage under OAR 836-071-0215.
Timing
Individual renewal is biennial in the birthday month under OAR 836-071-0146.
Resident renewal with extension/waiver request — Property and casualty coverage sold to individuals and families for primarily noncommercial purposes
Oregon Producer's Examination for Personal Lines Insurance (practice unavailable)
Authorization
Property and casualty coverage sold to individuals and families for primarily noncommercial purposes
Director Discretion
Ordinary renewal is based on fees and continuing education. ORS 744.072(3) permits the director to require any or all original-issuance requirements, including the identified class examinations. Leaves reflect that contingent authority, not an automatic requirement to retake the exam.
Extension
Military service or another extenuating circumstance can support an expiration-date extension under OAR 836-071-0148. Submit service-period documentation or evidence specified by the director; fee, continuing-education and other renewal requirements apply on the extended date. Honorable military release is required; routine reservist training is excluded. ORS 744.072(7) permits requests for exam/procedure/penalty waivers.
Fees And Education
Pay fees by the renewal due date; resident individuals obtain 24 continuing-education hours per two-year period, including three Oregon law hours and three ethics hours, and at least two flood hours when selling/negotiating/soliciting flood coverage under OAR 836-071-0215.
Timing
Individual renewal is biennial in the birthday month under OAR 836-071-0146.
Resident renewal — Property insurance
Oregon Producer's Examination for Property Insurance (practice unavailable)
Authorization
Property insurance
Director Discretion
Ordinary renewal is based on fees and continuing education. ORS 744.072(3) permits the director to require any or all original-issuance requirements, including the identified class examinations. Leaves reflect that contingent authority, not an automatic requirement to retake the exam.
Fees And Education
Pay fees by the renewal due date; resident individuals obtain 24 continuing-education hours per two-year period, including three Oregon law hours and three ethics hours, and at least two flood hours when selling/negotiating/soliciting flood coverage under OAR 836-071-0215.
Timing
Individual renewal is biennial in the birthday month under OAR 836-071-0146.
Resident renewal — Both property and casualty insurance

At least one of the following alternatives:

Authorization
Both property and casualty insurance
Director Discretion
Ordinary renewal is based on fees and continuing education. ORS 744.072(3) permits the director to require any or all original-issuance requirements, including the identified class examinations. Leaves reflect that contingent authority, not an automatic requirement to retake the exam.
Fees And Education
Pay fees by the renewal due date; resident individuals obtain 24 continuing-education hours per two-year period, including three Oregon law hours and three ethics hours, and at least two flood hours when selling/negotiating/soliciting flood coverage under OAR 836-071-0215.
Timing
Individual renewal is biennial in the birthday month under OAR 836-071-0146.
Resident renewal with extension/waiver request — Both property and casualty insurance

At least one of the following alternatives:

Authorization
Both property and casualty insurance
Director Discretion
Ordinary renewal is based on fees and continuing education. ORS 744.072(3) permits the director to require any or all original-issuance requirements, including the identified class examinations. Leaves reflect that contingent authority, not an automatic requirement to retake the exam.
Extension
Military service or another extenuating circumstance can support an expiration-date extension under OAR 836-071-0148. Submit service-period documentation or evidence specified by the director; fee, continuing-education and other renewal requirements apply on the extended date. Honorable military release is required; routine reservist training is excluded. ORS 744.072(7) permits requests for exam/procedure/penalty waivers.
Fees And Education
Pay fees by the renewal due date; resident individuals obtain 24 continuing-education hours per two-year period, including three Oregon law hours and three ethics hours, and at least two flood hours when selling/negotiating/soliciting flood coverage under OAR 836-071-0215.
Timing
Individual renewal is biennial in the birthday month under OAR 836-071-0146.
Resident renewal with extension/waiver request — Property insurance
Oregon Producer's Examination for Property Insurance (practice unavailable)
Authorization
Property insurance
Director Discretion
Ordinary renewal is based on fees and continuing education. ORS 744.072(3) permits the director to require any or all original-issuance requirements, including the identified class examinations. Leaves reflect that contingent authority, not an automatic requirement to retake the exam.
Extension
Military service or another extenuating circumstance can support an expiration-date extension under OAR 836-071-0148. Submit service-period documentation or evidence specified by the director; fee, continuing-education and other renewal requirements apply on the extended date. Honorable military release is required; routine reservist training is excluded. ORS 744.072(7) permits requests for exam/procedure/penalty waivers.
Fees And Education
Pay fees by the renewal due date; resident individuals obtain 24 continuing-education hours per two-year period, including three Oregon law hours and three ethics hours, and at least two flood hours when selling/negotiating/soliciting flood coverage under OAR 836-071-0215.
Timing
Individual renewal is biennial in the birthday month under OAR 836-071-0146.

Oregon Producer's Examination for Property and Casualty Insurance

Provider
PSI Services LLC
Format
Computer-based examination at a test center or remotely proctored
Exam questions
150 scored questions; the bulletin permits additional unscored experimental items
Time limit
2 hours and 40 minutes
Passing score
70% correct
Exam fee
$55
Examination outline
  • Insurance Regulation (11%)
    • Licensing
    • Licensing / Purpose
    • Licensing / Process (ORS 744.058, .059, .062)
    • Licensing / Types of licensees
    • Licensing / Types of licensees / Producers (ORS 744.052, .053, 731.104)
    • Licensing / Types of licensees / Consultants (ORS 744.605, .609, .626; OAR 836-071-0150)
    • Licensing / Types of licensees / Adjusters (ORS 744.531)
    • Licensing / Types of licensees / Nonresidents (ORS 744.063)
    • Licensing / Types of licensees / Temporary (ORS 744.073)
    • Licensing / Maintenance and duration
    • Licensing / Maintenance and duration / Renewal and nonrenewal (ORS 744.072, .074) OAR 836-071-0146)
    • Licensing / Maintenance and duration / Continuing education requirements (ORS 744.072; OAR 836-071-0215 to 0250)
    • Licensing / Maintenance and duration / Reinstatement (ORS 744.018, .072(6))
    • Licensing / Maintenance and duration / Assumed business name (ORS 744.028(2),.068)
    • Licensing / Maintenance and duration / Change of address or telephone number (ORS 744.028(1), .068)
    • Licensing / Maintenance and duration / Reporting of actions (ORS 744.089)
    • Licensing / Disciplinary actions
    • Licensing / Disciplinary actions / Cease and desist orders (ORS 731.252)
    • Licensing / Disciplinary actions / License probation, suspension, revocation or refusal to issue or renew (ORS 744.074)
    • Licensing / Disciplinary actions / Civil penalty (ORS 731.988)
    • Licensing / Disciplinary actions / Criminal penalty (ORS 731.992)
    • State regulation
    • State regulation / Director's enforcement authority (ORS 731.256)
    • State regulation / Director's enforcement authority (ORS 731.256) / Director's inquiries (ORS 731.296)
    • State regulation / Company regulation
    • State regulation / Company regulation / Producer appointment (ORS 744.078)
    • State regulation / Company regulation / Termination of appointment (ORS 744.079, .081)
    • State regulation / Company regulation / Unfair claim settlement practices (ORS 746.230; OAR 836-080-0205 to 0250)
    • State regulation / Producer regulation
    • State regulation / Producer regulation / Fiduciary and trust account responsibilities (ORS 744.083; OAR 836-074-0020 to 0050)
    • State regulation / Producer regulation / Place of business/records maintenance (ORS 744.068)
    • State regulation / Producer regulation / Controlled business (ORS 746.065, .160)
    • State regulation / Producer regulation / Commissions (ORS 744.076, .077; OAR 836-071-0269–0277)
    • State regulation / Producer regulation / Fees (ORS 744.076, .077; OAR 836-071-0260 to 0277)
    • State regulation / Unfair trade practices
    • State regulation / Unfair trade practices / Misrepresentation (ORS 746.075, .100)
    • State regulation / Unfair trade practices / False advertising (ORS 746.110; OAR 836-080-0155)
    • State regulation / Unfair trade practices / Rebating (ORS 746.045)
    • State regulation / Unfair trade practices / Unfair discrimination (ORS 746.015; OAR 836-081-0005, 0010, 0020, 0030)
    • State regulation / Unfair trade practices / Illegal inducement (ORS 746.035)
    • State regulation / Examination of records (ORS 744.068(2, 3))
    • State regulation / Privacy of Consumer Information (ORS 746.600, .620, .630, .665; OAR 836-080-0501 to 836-080-0551)
  • Federal Laws and Regulations (2%)
    • Fair Credit Reporting Act
    • 18 United States Code (USC) Sections 1033 and 1034 - purpose
    • Flood Insurance Education (National Flood Insurance Program (NFIP))
  • General Insurance Concepts (11%)
    • Risk
    • Risk / Definitions (e.g., risk, hazard, peril, loss)
    • Risk / Methods of handling risk (e.g., avoidance, retention, sharing, reduction, transfer)
    • Risk / Elements of insurable risks
    • Classifications of insurers
    • Classifications of insurers / Mutual, stock
    • Classifications of insurers / Admitted, non-admitted
    • Classifications of insurers / Foreign, domestic, alien
    • Authority and powers of producers - definitions
    • Authority and powers of producers - definitions / Express
    • Authority and powers of producers - definitions / Implied
    • Authority and powers of producers - definitions / Apparent
    • Authority and powers of producers - definitions / The Law of Agency
    • Elements of a contract
    • Elements of a contract / Offer
    • Elements of a contract / Acceptance
    • Elements of a contract / Consideration
    • Elements of a contract / Competent parties
    • Elements of a contract / Legal purpose
    • Legal interpretations affecting contracts
    • Legal interpretations affecting contracts / Reasonable expectations
    • Legal interpretations affecting contracts / Indemnity
    • Legal interpretations affecting contracts / Good faith
    • Legal interpretations affecting contracts / Warranties, representations, misrepresentations, and concealment
    • Legal interpretations affecting contracts / Fraud
  • Property and Casualty Insurance Basics (14%)
    • Insurable interest
    • Underwriting (purpose, process, results)
    • Rate
    • Rate / Types
    • Rate / Components
    • Rate / Basis
    • Types of hazards
    • Types of hazards / Physical
    • Types of hazards / Moral
    • Types of hazards / Morale
    • Negligence
    • Negligence / Torts
    • Negligence / Elements of a negligent act
    • Negligence / Defenses against negligence
    • Damages
    • Damages / Compensatory versus punitive
    • Damages / General versus special
    • Liability
    • Liability / Absolute
    • Liability / Strict
    • Liability / Vicarious
    • Types of perils
    • Types of perils / Named
    • Types of perils / Open
    • Types of loss
    • Types of loss / Direct
    • Types of loss / Indirect
    • Specific, scheduled, and blanket insurance
    • Loss valuation
    • Loss valuation / Actual cash value
    • Loss valuation / Replacement cost
    • Loss valuation / Functional replacement cost
    • Loss valuation / Market value
    • Loss valuation / Agreed value
    • Loss valuation / Valued policy
    • Accident versus occurrence
    • Policy structure
    • Policy structure / Declarations
    • Policy structure / Definitions
    • Policy structure / Insuring agreement
    • Policy structure / Additional/supplementary coverage
    • Policy structure / Conditions
    • Policy structure / Exclusions
    • Policy structure / Endorsements
    • Policy clauses
    • Policy clauses / Insureds
    • Policy clauses / Policy period
    • Policy clauses / Policy territory
    • Policy clauses / Cancellation and non-renewal
    • Policy clauses / Deductibles
    • Policy clauses / Other insurance
    • Policy clauses / Other insurance / Nonconcurrency
    • Policy clauses / Other insurance / Primary and excess
    • Policy clauses / Other insurance / Pro Rata
    • Policy clauses / Other insurance / Contribution by equal shares
    • Limits of liability
    • Limits of liability / Per accident
    • Limits of liability / Per occurrence
    • Limits of liability / Per person
    • Limits of liability / Aggregate
    • Limits of liability / Split limits
    • Limits of liability / Combined single limit
    • Coinsurance
    • Coinsurance / Purpose
    • Coinsurance / Definition
    • Coinsurance / Calculation
    • Coinsurance / Penalties
    • Coinsurance / Total versus partial loss
    • Vacant versus unoccupied
    • Named insured provisions
    • Named insured provisions / First named insured versus other insureds
    • Named insured provisions / Duties after loss
    • Named insured provisions / Assignment
    • Named insured provisions / Waiver of rights
    • Insurer provisions
    • Insurer provisions / Liberalization
    • Insurer provisions / Subrogation
    • Insurer provisions / Claim settlement options
    • Insurer provisions / Duty to defend
    • Insurer provisions / Arbitration
    • Third-party provisions
    • Third-party provisions / Standard mortgage clause
    • Third-party provisions / Loss payable clause
    • Third-party provisions / No benefit to the bailee
    • Oregon laws, regulations and required provisions
    • Oregon laws, regulations and required provisions / Oregon Insurance Guaranty Association (ORS 734.510–.710)
    • Oregon laws, regulations and required provisions / Cancellation and nonrenewal
    • Oregon laws, regulations and required provisions / Cancellation and nonrenewal / Commercial liability (ORS 742.700–.710)
    • Oregon laws, regulations and required provisions / Cancellation and nonrenewal / Property (ORS 742.224, 746.686-687)
    • Oregon laws, regulations and required provisions / Cancellation and nonrenewal / Automobile (ORS 742.560-.572)
    • Oregon laws, regulations and required provisions / Binders (ORS 742.043)
    • Oregon laws, regulations and required provisions / Rates (ORS 737.025, .310; OAR 836-010-0011)
    • Oregon laws, regulations and required provisions / Policy forms (ORS 742.003, .005)
    • Oregon laws, regulations and required provisions / Suit against insurer (ORS 742.240)
    • Oregon laws, regulations and required provisions / Concealment, misrepresentation or fraud (ORS 742.013, .208, .562(1)(b), .702(1)(b); 746.075, .100, .110)
    • Oregon laws, regulations and required provisions / Unfair discrimination (ORS 746.015,.018, .240)
    • Oregon laws, regulations and required provisions / Federal Terrorism Insurance Program (15 USC 6701; Public Law 109–144, 110–160)
  • Dwelling Policy Concepts (6%)
    • Purpose and eligibility
    • Perils insured against
    • Perils insured against / Basic — Oregon
    • Perils insured against / Broad
    • Perils insured against / Special
    • Definitions
    • Property coverages
    • Property coverages / Coverage A — Dwelling
    • Property coverages / Coverage B — Other structures
    • Property coverages / Coverage C — Personal property
    • Property coverages / Coverage D — Fair rental value
    • Property coverages / Coverage E — Additional living expense
    • Property coverages / Other coverages
    • Dwelling property exclusions
    • Dwelling property conditions
    • Dwelling property endorsements
    • Dwelling property endorsements / Special provisions — Oregon
    • Personal liability supplement
    • Personal liability supplement / Coverage L - Personal liability
    • Personal liability supplement / Coverage M - Medical payments to others
  • Homeowners Policy Concepts (9%)
    • Eligibility and Purpose
    • Homeowners policy coverage forms
    • Homeowners policy coverage forms / Broad (HO-2)
    • Homeowners policy coverage forms / Special (HO-3)
    • Homeowners policy coverage forms / Contents broad (HO-4)
    • Homeowners policy coverage forms / Comprehensive (HO-5)
    • Homeowners policy coverage forms / Unit-owners (HO-6)
    • Homeowners policy coverage forms / Modified coverages (HO-8)
    • Definitions
    • Section I — Property coverages
    • Section I — Property coverages / Coverage A — Dwelling
    • Section I — Property coverages / Coverage B — Other structures
    • Section I — Property coverages / Coverage C — Personal property
    • Section I — Property coverages / Coverage D — Loss of use
    • Section I — Property coverages / Additional coverages
    • Section II — Liability coverages
    • Section II — Liability coverages / Coverage E — Personal liability
    • Section II — Liability coverages / Coverage F — Medical payments to others
    • Section II — Liability coverages / Additional coverages
    • Homeowners policy exclusions
    • Homeowners policy exclusions / Section I-Property Covered Exclusions
    • Homeowners policy exclusions / Section II - Liability Covered Exclusions
    • Homeowners policy conditions
    • Homeowners policy endorsements
    • Homeowners policy endorsements / Special provisions — Oregon
    • Homeowners policy endorsements / Earthquake
    • Homeowners policy endorsements / Personal property replacement cost
    • Homeowners policy endorsements / Permitted incidental occupancies — residence premises — Oregon
    • Homeowners policy endorsements / Home day care — Oregon
    • Homeowners policy endorsements / Business pursuits
    • Homeowners policy endorsements / Watercraft
    • Homeowners policy endorsements / Personal injury
    • Homeowners policy endorsements / Ordinance or law
    • Scheduled personal property/personal articles floater
  • Personal Automobile Policy (9%)
    • Laws
    • Laws / Oregon Motor Vehicle Financial Responsibility Law
    • Laws / Required motor vehicle limits of liability (ORS 806.070, .075)
    • Laws / Required motor vehicle limits of liability (ORS 806.070, .075) / Other ways to prove responsibility (ORS 806.011, .060, .080)
    • Personal injury protection definitions (ORS 742.518–.544)
    • Personal injury protection definitions (ORS 742.518–.544) / Medical
    • Personal injury protection definitions (ORS 742.518–.544) / Loss of income
    • Personal injury protection definitions (ORS 742.518–.544) / Funeral
    • Personal injury protection definitions (ORS 742.518–.544) / Essential services
    • Personal injury protection definitions (ORS 742.518–.544) / Exclusions from coverage
    • Personal injury protection definitions (ORS 742.518–.544) / Arbitration
    • Personal injury protection definitions (ORS 742.518–.544) / Day Care
    • Uninsured and underinsured motorist coverage (ORS 742.500–.510)
    • Uninsured and underinsured motorist coverage (ORS 742.500–.510) / Definitions
    • Uninsured and underinsured motorist coverage (ORS 742.500–.510) / Bodily injury
    • Uninsured and underinsured motorist coverage (ORS 742.500–.510) / UM and UIM rejection
    • Uninsured and underinsured motorist coverage (ORS 742.500–.510) / Aftermarket Crash Parts Act (ORS 746.287, .289, .292)
    • Uninsured and underinsured motorist coverage (ORS 742.500–.510) / Credit History (ORS 746.661)
    • Uninsured and underinsured motorist coverage (ORS 742.500–.510) / Total Loss (ORS 742.554, 801.527, 819.014), (OAR 836.080.0240)
    • Definitions
    • Liability coverage
    • Liability coverage / Bodily injury and property damage
    • Liability coverage / Supplementary payments
    • Liability coverage / Exclusions
    • Liability coverage / Liability extension to towed vehicle
    • Medical payments coverage
    • Coverage for damage to your auto
    • Coverage for damage to your auto / Collision
    • Coverage for damage to your auto / Other than collision (comprehensive)
    • Coverage for damage to your auto / Deductibles
    • Coverage for damage to your auto / Exclusions
    • Duties after an accident or loss
    • General provisions
    • Endorsements
    • Endorsements / Amendment of policy provisions — Oregon
    • Endorsements / Towing and labor costs
    • Endorsements / Extended non-owned coverage — vehicles furnished or available for regular use
    • Endorsements / Miscellaneous type vehicle
    • Endorsements / Joint ownership coverage
    • Endorsements / Rental vehicle coverage
  • Commercial Automobile Policy (3%)
    • Commercial auto coverage forms
    • Covered automobiles
    • Covered automobiles / Hired automobiles
    • Covered automobiles / Non-owned automobiles
    • Liability
    • Physical damage
    • Exclusions
    • Conditions
    • Definitions
    • Selected endorsements
    • Selected endorsements / Lessor — additional insured and loss payee
    • Selected endorsements / Mobile equipment
    • Selected endorsements / Broad form products
    • Selected endorsements / Employees as insureds
  • Commercial General Liability (13%)
    • Commercial policy components
    • Commercial policy components / Declarations
    • Commercial policy components / Conditions
    • Commercial policy components / Interline endorsements
    • Commercial general liability coverages
    • Commercial general liability coverages / Bodily injury and property damage
    • Commercial general liability coverages / Personal and advertising injury
    • Commercial general liability coverages / Medical payments
    • Commercial general liability coverages / Conditions
    • Commercial general liability coverages / Definitions
    • Commercial general liability coverages / Exclusions
    • Occurrence versus claims-made
    • Occurrence versus claims-made / Trigger
    • Occurrence versus claims-made / Retroactive date
    • Commercial general liability exposures
    • Commercial general liability exposures / Premises and operations
    • Commercial general liability exposures / Products and completed operations
    • Commercial general liability exposures / Contractual liability
  • Commercial Property Policies (7%)
    • Commercial package policy
    • Commercial package policy / Purpose
    • Commercial package policy / Definition
    • Commercial package policy / Coverages
    • Commercial package policy / Coverage extensions
    • Commercial policy components
    • Commercial policy components / Declarations
    • Commercial policy components / Conditions
    • Commercial policy components / Insuring agreements
    • Commercial policy components / Exclusions
    • Commercial property forms
    • Commercial property forms / Coverage forms for building and business personal property
    • Commercial property forms / Builders risk
    • Commercial property forms / Business income
    • Commercial property forms / Legal liability
    • Commercial property forms / Extra expense
    • Commercial property forms / Cause of loss forms
    • Commercial property forms / Commercial crime
    • Commercial property endorsements
    • Commercial property endorsements / Ordinance or law
    • Commercial property endorsements / Spoilage
    • Commercial property endorsements / Peak season limit of insurance
    • Commercial property endorsements / Value reporting form
    • Commercial property endorsements / Earthquake
    • Commercial property endorsements / Equipment breakdown coverages
    • Commercial inland marine - purpose
    • Ocean marine (distinction between inland and ocean)
    • Farm coverage
    • Farm coverage / Farm property coverage form
    • Farm coverage / Farm property coverage form / Coverage A — Dwellings
    • Farm coverage / Farm property coverage form / Coverage B — Other private structures
    • Farm coverage / Farm property coverage form / Coverage C — Household personal property
    • Farm coverage / Farm property coverage form / Coverage D — Loss of use
    • Farm coverage / Farm property coverage form / Coverage E — Scheduled farm personal property
    • Farm coverage / Farm property coverage form / Coverage F — Unscheduled farm personal property
    • Farm coverage / Farm property coverage form / Coverage G — Other farm structures
    • Farm coverage / Farm property coverage form / Coverage H - Bodily injury and property damage liability
    • Farm coverage / Farm property coverage form / Coverage I - Personal and advertising injury liability
    • Farm coverage / Farm property coverage form / Coverage J - Medical payments
  • Businessowners Policy (5%)
    • Characteristics and purpose
    • Businessowners Section I — Property
    • Businessowners Section I — Property / Coverages
    • Businessowners Section I — Property / Exclusions
    • Businessowners Section I — Property / Limits of insurance
    • Businessowners Section I — Property / Deductibles
    • Businessowners Section I — Property / Loss conditions
    • Businessowners Section I — Property / General conditions
    • Businessowners Section I — Property / Optional coverages
    • Businessowners Section I — Property / Definitions
    • Businessowners Section II — Liability
    • Businessowners Section II — Liability / Coverages
    • Businessowners Section II — Liability / Exclusions
    • Businessowners Section II — Liability / Who is an insured
    • Businessowners Section II — Liability / Limits of insurance
    • Businessowners Section II — Liability / General conditions
    • Businessowners Section II — Liability / Definitions
  • Workers' Compensation Laws (5%)
    • Oregon Workers' Compensation Law (ORS Chapter 656)
    • Oregon Workers' Compensation Law (ORS Chapter 656) / Exclusive remedy (ORS 656.018)
    • Oregon Workers' Compensation Law (ORS Chapter 656) / Employment covered (required, voluntary, leased) (ORS 656.017, .023, .027–.041)
    • Oregon Workers' Compensation Law (ORS Chapter 656) / Covered injuries and notice (ORS 656.005(7); .265)
    • Oregon Workers' Compensation Law (ORS Chapter 656) / Occupational disease (ORS 656.802–.804)
    • Oregon Workers' Compensation Law (ORS Chapter 656) / Benefits provided (ORS 656.202, .204, .206, .208, .210, .211, .212, .214, .216, .245, .258, .262(4)(a))
    • Oregon Workers' Compensation Law (ORS Chapter 656) / Workers' Compensation Handicapped Workers Program (ORS 656.628)
    • Workers' compensation coverages and benefits
    • Workers' compensation definitions
    • Workers' compensation definitions / Occupational accident versus occupational disease and illness
    • Workers' compensation definitions / Levels of disability
    • Rating and job classification
    • Other sources of coverage
    • Other sources of coverage / Oregon Workers' Compensation Fund Insurance Plan (ORS 656.730; OAR 836-043-0001–0091)
    • Other sources of coverage / Self-insured employers and employer groups (ORS 656.403, .407)
    • Federal laws
  • Other Types of Property and Casualty Insurance - Purpose and General Characteristics (5%)
    • Personal umbrella, commercial umbrella, and excess policies
    • Personal umbrella, commercial umbrella, and excess policies / Underlying limits
    • Personal umbrella, commercial umbrella, and excess policies / Self-insured retention
    • Specialty liability insurance
    • Specialty liability insurance / Professional and errors and omissions
    • Specialty liability insurance / Directors and officers
    • Specialty liability insurance / Employment practices
    • Specialty liability insurance / Employee benefits
    • Specialty liability insurance / Cyber liability and network protection
    • Surplus lines (ORS Sec. 735.410, .415)
    • Surplus lines (ORS Sec. 735.410, .415) / Definitions and markets
    • Surplus lines (ORS Sec. 735.410, .415) / Licensing requirements
    • Residual markets
    • Residual markets / Joint Underwriting Association (ORS 735.200-.260; 737.390)
    • Residual markets / Oregon FAIR Plan Association (ORS 735.005, .015, .045)
    • Surety Contracts
    • Surety Contracts / Differences between surety and insurance
    • Surety Contracts / Obligation of the surety
    • Surety Contracts / Parties to the surety bond
    • Surety Contracts / Parties to the surety bond / Principal
    • Surety Contracts / Parties to the surety bond / Obligee
    • Surety Contracts / Parties to the surety bond / Surety
    • Mobile home policy (insuring agreement)
    • Earthquake insurance (insuring agreement)
    • Earthquake insurance (insuring agreement) / Deductibles
    • Flood Insurance
    • Watercraft
Examination sources

Oregon Producer's Examination for Casualty Insurance

Provider
PSI Services LLC
Format
Computer-based examination at a test center or remotely proctored
Exam questions
100 scored questions; the bulletin permits additional unscored experimental items
Time limit
Two-hour time limit
Passing score
70% correct
Exam fee
$45
Examination outline
  • Insurance Regulation (13%)
    • Licensing
    • Licensing / Purpose
    • Licensing / Process (ORS 744.058, .059, .062)
    • Licensing / Types of licensees
    • Licensing / Types of licensees / Producers (ORS 744.052, .053, 731.104)
    • Licensing / Types of licensees / Consultants (ORS 744.605, .609, .626; OAR 836-071-0150)
    • Licensing / Types of licensees / Adjusters (ORS 744.531)
    • Licensing / Types of licensees / Nonresidents (ORS 744.063)
    • Licensing / Types of licensees / Temporary (ORS 744.073)
    • Licensing / Maintenance and duration
    • Licensing / Maintenance and duration / Renewal and nonrenewal (ORS 744.072, .074) OAR 836-071-0146)
    • Licensing / Maintenance and duration / Continuing education requirements (ORS 744.072; OAR 836-071-0215 to 0250)
    • Licensing / Maintenance and duration / Reinstatement (ORS 744.018, .072(6))
    • Licensing / Maintenance and duration / Assumed business name (ORS 744.028(2),.068)
    • Licensing / Maintenance and duration / Change of address or telephone number (ORS 744.028(1), .068)
    • Licensing / Maintenance and duration / Reporting of actions (ORS 744.089)
    • Licensing / Disciplinary actions
    • Licensing / Disciplinary actions / Cease and desist orders (ORS 731.252)
    • Licensing / Disciplinary actions / License probation, suspension, revocation or refusal to issue or renew (ORS 744.074)
    • Licensing / Disciplinary actions / Civil penalty (ORS 731.988)
    • Licensing / Disciplinary actions / Criminal penalty (ORS 731.992)
    • State regulation
    • State regulation / Director's enforcement authority (ORS 731.256)
    • State regulation / Director's enforcement authority (ORS 731.256) / Director's inquiries (ORS 731.296)
    • State regulation / Company regulation
    • State regulation / Company regulation / Producer appointment (ORS 744.078)
    • State regulation / Company regulation / Termination of appointment (ORS 744.079, .081)
    • State regulation / Company regulation / Unfair claim settlement practices (ORS 746.230; OAR 836-080-0205 to 0250)
    • State regulation / Producer regulation
    • State regulation / Producer regulation / Fiduciary and trust account responsibilities (ORS 744.083; OAR 836-074-0020 to 0050)
    • State regulation / Producer regulation / Place of business/records maintenance (ORS 744.068)
    • State regulation / Producer regulation / Controlled business (ORS 746.065, .160)
    • State regulation / Producer regulation / Controlled business (ORS 746.065, .160) / Commissions (ORS 744.076, .077; OAR 836-071-0269–0277)
    • State regulation / Producer regulation / Fees (ORS 744.076, .077; OAR 836-071-0260 to 0277)
    • State regulation / Unfair trade practices
    • State regulation / Unfair trade practices / Misrepresentation (ORS 746.075, .100)
    • State regulation / Unfair trade practices / False advertising (ORS 746.110; OAR 836-080-0155)
    • State regulation / Unfair trade practices / Rebating (ORS 746.045)
    • State regulation / Unfair trade practices / Unfair discrimination (ORS 746.015; OAR 836-081-0005, 0010, 0020, 0030)
    • State regulation / Unfair trade practices / Illegal inducement (ORS 746.035)
    • State regulation / Examination of records (ORS 744.068(2, 3))
    • State regulation / Privacy of Consumer Information (ORS 746.600, .620, .630, .665; OAR 836-080-0501 to 836-080-0551)
  • Federal Laws and Regulations (4%)
    • Fair Credit Reporting Act
    • 18 United States Code (USC) Sections 1033 and 1034 - purpose
  • General Insurance Concepts (20%)
    • Risk
    • Risk / Definitions (e.g., risk, hazard, peril, loss)
    • Risk / Methods of handling risk (e.g., avoidance, retention, sharing, reduction, transfer)
    • Risk / Elements of insurable risks
    • Classifications of insurers
    • Classifications of insurers / Mutual, stock
    • Classifications of insurers / Admitted, non-Admitted
    • Classifications of insurers / Foreign, domestic, alien
    • Authority and powers of producers - definitions
    • Authority and powers of producers - definitions / Express
    • Authority and powers of producers - definitions / Implied
    • Authority and powers of producers - definitions / Apparent
    • Authority and powers of producers - definitions / The Law of Agency
    • Elements of a contract
    • Elements of a contract / Offer
    • Elements of a contract / Acceptance
    • Elements of a contract / Consideration
    • Elements of a contract / Competent parties
    • Elements of a contract / Legal purpose
    • Legal interpretations affecting contracts
    • Legal interpretations affecting contracts / Reasonable expectations
    • Legal interpretations affecting contracts / Indemnity
    • Legal interpretations affecting contracts / Good faith
    • Legal interpretations affecting contracts / Warranties, representations, misrepresentations, and concealment
    • Legal interpretations affecting contracts / Fraud
  • Insurance Basics (17%)
    • Underwriting (purpose, process, results)
    • Types of hazards
    • Types of hazards / Physical
    • Types of hazards / Moral
    • Types of hazards / Morale
    • Negligence
    • Negligence / Torts
    • Negligence / Elements of a negligent act
    • Negligence / Defenses against negligence
    • Damages
    • Damages / Compensatory versus punitive
    • Damages / General versus special
    • Liability
    • Liability / Absolute
    • Liability / Strict
    • Liability / Vicarious
    • Accident versus occurrence
    • Policy structure
    • Policy structure / Declarations
    • Policy structure / Definitions
    • Policy structure / Insuring agreement
    • Policy structure / Additional/supplementary coverage
    • Policy structure / Conditions
    • Policy structure / Exclusions
    • Policy structure / Endorsements
    • Policy clauses
    • Policy clauses / Insureds
    • Policy clauses / Policy period
    • Policy clauses / Policy territory
    • Policy clauses / Cancellation and non-renewal
    • Policy clauses / Deductibles/self-insured retention
    • Policy clauses / Other insurance
    • Policy clauses / Other insurance / Nonconcurrency
    • Policy clauses / Other insurance / Primary and excess
    • Policy clauses / Other insurance / Pro rata
    • Policy clauses / Other insurance / Contribution by equal shares
    • Limits of liability
    • Limits of liability / Per accident
    • Limits of liability / Per occurrence
    • Limits of liability / Per person
    • Limits of liability / Aggregate
    • Limits of liability / Split limits
    • Limits of liability / Combined single limit
    • Named insured provisions
    • Named insured provisions / First named insured versus other insureds
    • Named insured provisions / Duties after loss
    • Named insured provisions / Assignment
    • Named insured provisions / Waiver of rights
    • Insurer provisions
    • Insurer provisions / Liberalization
    • Insurer provisions / Subrogation
    • Insurer provisions / Claim settlement options
    • Insurer provisions / Duty to defend
    • Insurer provisions / Arbitration
    • Oregon laws, regulations and required provisions
    • Oregon laws, regulations and required provisions / Oregon Insurance Guaranty Association (ORS 734.510–.710)
    • Oregon laws, regulations and required provisions / Cancellation and nonrenewal
    • Oregon laws, regulations and required provisions / Cancellation and nonrenewal / Commercial liability (ORS 742.700–.710)
    • Oregon laws, regulations and required provisions / Cancellation and nonrenewal / Property (ORS 742.224, 746.686-687)
    • Oregon laws, regulations and required provisions / Cancellation and nonrenewal / Automobile (ORS 742.560-.572)
    • Oregon laws, regulations and required provisions / Binders (ORS 742.043)
    • Oregon laws, regulations and required provisions / Rates (ORS 737.025, .310; OAR 836-010-0011)
    • Oregon laws, regulations and required provisions / Policy forms (ORS 742.003, .005)
    • Oregon laws, regulations and required provisions / Suit against insurer (ORS 742.240)
    • Oregon laws, regulations and required provisions / Concealment, misrepresentation or fraud (ORS 742.013, .208, .562(1)(b), .702(1)(b); 746.075, .100, .110)
    • Oregon laws, regulations and required provisions / Unfair discrimination (ORS 746.015,.018, .240)
    • Oregon laws, regulations and required provisions / Federal Terrorism Insurance Program (15 USC 6701; Public Law 109–144, 110–160)
  • Personal Automobile Policy (15%)
    • Laws
    • Laws / Oregon Motor Vehicle Financial Responsibility Law
    • Laws / Required motor vehicle limits of liability (ORS 806.070, .075)
    • Laws / Required motor vehicle limits of liability (ORS 806.070, .075) / Other ways to prove responsibility (ORS 806.011, .060, .080)
    • Personal injury protection definitions (ORS 742.518–.544)
    • Personal injury protection definitions (ORS 742.518–.544) / Medical
    • Personal injury protection definitions (ORS 742.518–.544) / Loss of income
    • Personal injury protection definitions (ORS 742.518–.544) / Funeral
    • Personal injury protection definitions (ORS 742.518–.544) / Essential services
    • Personal injury protection definitions (ORS 742.518–.544) / Exclusions from coverage
    • Personal injury protection definitions (ORS 742.518–.544) / Arbitration
    • Personal injury protection definitions (ORS 742.518–.544) / Day Care
    • Uninsured and underinsured motorist coverage (ORS 742.500–.510)
    • Uninsured and underinsured motorist coverage (ORS 742.500–.510) / Definitions
    • Uninsured and underinsured motorist coverage (ORS 742.500–.510) / Bodily injury
    • Uninsured and underinsured motorist coverage (ORS 742.500–.510) / UM and UIM rejection
    • Uninsured and underinsured motorist coverage (ORS 742.500–.510) / Aftermarket Crash Parts Act (ORS 746.287, .289, .292)
    • Uninsured and underinsured motorist coverage (ORS 742.500–.510) / Credit History (ORS 746.661)
    • Uninsured and underinsured motorist coverage (ORS 742.500–.510) / Total Loss (ORS 742.554, 801.527, 819.014), (OAR 836.080.0240)
    • Definitions
    • Liability coverage
    • Liability coverage / Bodily injury and property damage
    • Liability coverage / Supplementary payments
    • Liability coverage / Exclusions
    • Liability coverage / Liability extension to towed vehicle
    • Medical payments coverage
    • Coverage for damage to your automobile
    • Coverage for damage to your automobile / Collision
    • Coverage for damage to your automobile / Other than collision (comprehensive)
    • Coverage for damage to your automobile / Deductibles
    • Coverage for damage to your automobile / Exclusions
    • Duties after an accident or loss
    • General provisions
    • Endorsements
    • Endorsements / Amendment of policy provisions — Oregon
    • Endorsements / Towing and labor costs
    • Endorsements / Extended non-owned coverage — vehicles furnished or available for regular use
    • Endorsements / Joint ownership coverage
    • Endorsements / Rental vehicle coverage
  • Commercial Automobile Policy (7%)
    • Commercial auto coverage forms
    • Covered automobiles
    • Covered automobiles / Hired automobiles
    • Covered automobiles / Non-owned automobiles
    • Liability
    • Physical damage
    • Exclusions
    • Conditions
    • Definitions
    • Selected endorsements
    • Selected endorsements / Lessor — additional insured and loss payee
    • Selected endorsements / Mobile equipment
    • Selected endorsements / Broad form products
    • Selected endorsements / Employees as insureds
  • Commercial General Liability (12%)
    • Commercial policy components
    • Commercial policy components / Declarations
    • Commercial policy components / Conditions
    • Commercial policy components / Interline endorsements
    • Commercial general liability coverages
    • Commercial general liability coverages / Bodily injury and property damage
    • Commercial general liability coverages / Personal and advertising injury
    • Commercial general liability coverages / Medical payments
    • Commercial general liability coverages / Conditions
    • Commercial general liability coverages / Definitions
    • Commercial general liability coverages / Exclusions
    • Occurrence versus claims-made
    • Occurrence versus claims-made / Trigger
    • Occurrence versus claims-made / Retroactive date
    • Commercial general liability exposures
    • Commercial general liability exposures / Premises and operations
    • Commercial general liability exposures / Products and completed operations
    • Commercial general liability exposures / Contractual liability
  • Workers' Compensation Laws (5%)
    • Oregon Workers' Compensation Law (ORS Chapter 656)
    • Oregon Workers' Compensation Law (ORS Chapter 656) / Exclusive remedy (ORS 656.018)
    • Oregon Workers' Compensation Law (ORS Chapter 656) / Employment covered (required, voluntary, leased) (ORS 656.017, .023, .027–.041)
    • Oregon Workers' Compensation Law (ORS Chapter 656) / Covered injuries and notice (ORS 656.005(7); .265)
    • Oregon Workers' Compensation Law (ORS Chapter 656) / Occupational disease (ORS 656.802–.804)
    • Oregon Workers' Compensation Law (ORS Chapter 656) / Benefits provided (ORS 656.202, .204, .206, .208, .210, .211, .212, .214, .216, .245, .258, .262(4)(a))
    • Oregon Workers' Compensation Law (ORS Chapter 656) / Workers' Compensation Handicapped Workers Program (ORS 656.628)
    • Workers' compensation coverages and benefits
    • Workers' compensation definitions
    • Workers' compensation definitions / Occupational accident versus occupational disease and illness
    • Workers' compensation definitions / Levels of disability
    • Rating and job classification
    • Other sources of coverage
    • Other sources of coverage / Oregon Workers' Compensation Fund Insurance Plan (ORS 656.730; OAR 836-043-0001–0091)
    • Other sources of coverage / Self-insured employers and employer groups (ORS 656.403, .407)
    • Federal laws
  • Other Types of Casualty Insurance (7%)
    • Personal umbrella, commercial umbrella, and excess policies
    • Personal umbrella, commercial umbrella, and excess policies / Underlying limits
    • Personal umbrella, commercial umbrella, and excess policies / Self-insured retention
    • Specialty liability insurance
    • Specialty liability insurance / Professional errors and omissions
    • Specialty liability insurance / Directors and officers
    • Specialty liability insurance / Employment practices
    • Specialty liability insurance / Employee benefits
    • Specialty liability insurance / Cyber liability and network protection
    • Surplus lines (ORS Sec. 735.410, .415)
    • Surplus lines (ORS Sec. 735.410, .415) / Definitions and markets
    • Surplus lines (ORS Sec. 735.410, .415) / Licensing requirements
    • Surety Contracts
    • Surety Contracts / Differences between surety and insurance
    • Surety Contracts / Obligation of the surety
    • Surety Contracts / Parties to the surety bond
    • Surety Contracts / Parties to the surety bond / Principal
    • Surety Contracts / Parties to the surety bond / Obligee
    • Surety Contracts / Parties to the surety bond / Surety Contracts
Examination sources

Oregon Producer's Examination for Personal Lines Insurance

Provider
PSI Services LLC
Format
Computer-based examination at a test center or remotely proctored
Exam questions
100 scored questions; the bulletin permits additional unscored experimental items
Time limit
Two-hour time limit
Passing score
70% correct
Exam fee
$45
Examination outline
  • Insurance Regulation (13%)
    • Licensing
    • Licensing / Purpose
    • Licensing / Process (ORS 744.058, .059, .062)
    • Licensing / Types of licensees
    • Licensing / Types of licensees / Producers (ORS 744.052, .053, 731.104)
    • Licensing / Types of licensees / Consultants (ORS 744.605, .609, .626; OAR 836-071-0150)
    • Licensing / Types of licensees / Adjusters (ORS 744.531)
    • Licensing / Types of licensees / Nonresidents (ORS 744.063)
    • Licensing / Types of licensees / Temporary (ORS 744.073)
    • Licensing / Maintenance and duration
    • Licensing / Maintenance and duration / Renewal and nonrenewal (ORS 744.072, .074) OAR 836-071-0146)
    • Licensing / Maintenance and duration / Continuing education requirements (ORS 744.072; OAR 836-071-0215 to 0250)
    • Licensing / Maintenance and duration / Reinstatement (ORS 744.018, .072(6))
    • Licensing / Maintenance and duration / Assumed business name (ORS 744.028(2),.068)
    • Licensing / Maintenance and duration / Change of address or telephone number (ORS 744.028(1), .068)
    • Licensing / Maintenance and duration / Reporting of actions (ORS 744.089)
    • Licensing / Disciplinary actions
    • Licensing / Disciplinary actions / Cease and desist orders (ORS 731.252)
    • Licensing / Disciplinary actions / License probation, suspension, revocation or refusal to issue or renew (ORS 744.074)
    • Licensing / Disciplinary actions / Civil penalty (ORS 731.988)
    • Licensing / Disciplinary actions / Criminal penalty (ORS 731.992)
    • State regulation
    • State regulation / Director's enforcement authority (ORS 731.256)
    • State regulation / Director's enforcement authority (ORS 731.256) / Director's inquiries (ORS 731.296)
    • State regulation / Company regulation
    • State regulation / Company regulation / Producer appointment (ORS 744.078)
    • State regulation / Company regulation / Termination of appointment (ORS 744.079, .081)
    • State regulation / Company regulation / Unfair claim settlement practices (ORS 746.230; OAR 836-080-0205 to 0250)
    • State regulation / Producer regulation
    • State regulation / Producer regulation / Fiduciary and trust account responsibilities (ORS 744.083; OAR 836-074-0020 to 0050)
    • State regulation / Producer regulation / Place of business/records maintenance (ORS 744.068)
    • State regulation / Producer regulation / Controlled business (ORS 746.065, .160)
    • State regulation / Producer regulation / Commissions (ORS 744.076, .077; OAR 836-071-0269–0277)
    • State regulation / Producer regulation / Fees (ORS 744.076, .077; OAR 836-071-0260 to 0277)
    • State regulation / Unfair trade practices
    • State regulation / Unfair trade practices / Misrepresentation (ORS 746.075, .100)
    • State regulation / Unfair trade practices / False advertising (ORS 746.110; OAR 836-080-0155)
    • State regulation / Unfair trade practices / Rebating (ORS 746.045)
    • State regulation / Unfair trade practices / Unfair discrimination (ORS 746.015; OAR 836-081-0005, 0010, 0020, 0030)
    • State regulation / Unfair trade practices / Illegal inducement (ORS 746.035)
    • State regulation / Examination of records (ORS 744.068(2, 3))
    • State regulation / Privacy of Consumer Information (ORS 746.600, .620, .630, .665; OAR 836-080-0501 to 836-080-0551)
  • Federal Laws and Regulations (4%)
    • Fair Credit Reporting Act
    • 18 United States Code (USC) Sections 1033 and 1034 - purpose
    • Flood insurance education (National Flood Insurance Program (NFIP))
  • General Insurance Concepts (7%)
    • Risk
    • Risk / Definitions (e.g., risk, hazard, peril, loss)
    • Risk / Methods of handling risk (e.g., avoidance, retention, sharing, reduction, transfer)
    • Risk / Elements of insurable risks
    • Classifications of insurers
    • Classifications of insurers / Mutual, stock
    • Classifications of insurers / Admitted, non-admitted
    • Classifications of insurers / Foreign, domestic, alien
    • Authority and powers of producers - definitions
    • Authority and powers of producers - definitions / Express
    • Authority and powers of producers - definitions / Implied
    • Authority and powers of producers - definitions / Apparent
    • Authority and powers of producers - definitions / The Law of Agency
    • Elements of a contract
    • Elements of a contract / Offer
    • Elements of a contract / Acceptance
    • Elements of a contract / Consideration
    • Elements of a contract / Competent parties
    • Elements of a contract / Legal purpose
    • Legal interpretations affecting contracts
    • Legal interpretations affecting contracts / Reasonable expectations
    • Legal interpretations affecting contracts / Indemnity
    • Legal interpretations affecting contracts / Good faith
    • Legal interpretations affecting contracts / Warranties, representations, misrepresentations, and concealment
    • Legal interpretations affecting contracts / Fraud
  • Property and Casualty Insurance Basics (26%)
    • Insurable interest
    • Underwriting (purpose, process, results)
    • Types of hazards
    • Types of hazards / Physical
    • Types of hazards / Moral
    • Types of hazards / Morale
    • Negligence
    • Negligence / Torts
    • Negligence / Elements of a negligent act
    • Negligence / Defenses against negligence
    • Liability
    • Liability / Absolute
    • Liability / Strict
    • Liability / Vicarious
    • Types of perils
    • Types of perils / Named
    • Types of perils / Open
    • Types of loss
    • Types of loss / Direct
    • Types of loss / Indirect
    • Specific, scheduled, and blanket insurance
    • Loss valuation
    • Loss valuation / Actual cash value
    • Loss valuation / Replacement cost
    • Loss valuation / Functional replacement cost
    • Loss valuation / Market value
    • Loss valuation / Agreed value
    • Loss valuation / Valued policy
    • Accident versus occurrence
    • Policy structure
    • Policy structure / Declarations
    • Policy structure / Definitions
    • Policy structure / Insuring agreement
    • Policy structure / Additional/supplementary coverage
    • Policy structure / Conditions
    • Policy structure / Exclusions
    • Policy structure / Endorsements
    • Policy clauses
    • Policy clauses / Insureds
    • Policy clauses / Policy period
    • Policy clauses / Policy territory
    • Policy clauses / Cancellation and non-renewal
    • Policy clauses / Deductibles
    • Policy clauses / Other insurance
    • Policy clauses / Other insurance / Nonconcurrency
    • Policy clauses / Other insurance / Primary and excess
    • Policy clauses / Other insurance / Pro rata
    • Policy clauses / Other insurance / Contribution by equal shares
    • Limits of liability
    • Limits of liability / Per accident
    • Limits of liability / Per occurrence
    • Limits of liability / Per person
    • Limits of liability / Aggregate
    • Limits of liability / Split limits
    • Limits of liability / Combined single limit
    • Coinsurance
    • Coinsurance / Purpose
    • Coinsurance / Definition
    • Coinsurance / Calculation
    • Coinsurance / Penalties
    • Coinsurance / Total versus partial Loss
    • Vacant versus unoccupied
    • Named insured provisions
    • Named insured provisions / First named insured versus other insureds
    • Named insured provisions / Duties after loss
    • Named insured provisions / Assignment
    • Named insured provisions / Waiver of rights
    • Insurer provisions
    • Insurer provisions / Liberalization
    • Insurer provisions / Subrogation
    • Insurer provisions / Claim settlement options
    • Insurer provisions / Duty to defend
    • Third-party provisions
    • Third-party provisions / Standard mortgage clause
    • Third-party provisions / Loss payable clause
    • Third-party provisions / No benefit to the bailee
    • Oregon laws, regulations and required provisions
    • Oregon laws, regulations and required provisions / Oregon Insurance Guaranty Association (ORS 734.510–.710)
    • Oregon laws, regulations and required provisions / Cancellation and nonrenewal
    • Oregon laws, regulations and required provisions / Cancellation and nonrenewal / Property (ORS 742.224, 746.686-687)
    • Oregon laws, regulations and required provisions / Cancellation and nonrenewal / Automobile (ORS 742.560-.572)
    • Oregon laws, regulations and required provisions / Binders (ORS 742.043)
    • Oregon laws, regulations and required provisions / Rates (ORS 737.025, .310; OAR 836-010-0011)
    • Oregon laws, regulations and required provisions / Policy forms (ORS 742.003, .005)
    • Oregon laws, regulations and required provisions / Suit against insurer (ORS 742.240)
    • Oregon laws, regulations and required provisions / Concealment, misrepresentation or fraud (ORS 742.013, .208, .562(1)(b), .702(1)(b); 746.075, .100, .110)
    • Oregon laws, regulations and required provisions / Unfair discrimination (ORS 746.015,.018, .240)
    • Oregon laws, regulations and required provisions / Federal Terrorism Insurance Program (15 USC 6701; Public Law 109–144, 110–160)
  • Dwelling Policy Concepts (10%)
    • Purpose and eligibility
    • Perils insured against
    • Perils insured against / Basic — Oregon
    • Perils insured against / Broad
    • Perils insured against / Special
    • Definitions
    • Property coverages
    • Property coverages / Coverage A — Dwelling
    • Property coverages / Coverage B — Other structures
    • Property coverages / Coverage C — Personal property
    • Property coverages / Coverage D — Fair rental value
    • Property coverages / Coverage E — Additional living expense
    • Property coverages / Other coverages
    • Dwelling property exclusions
    • Dwelling property conditions
    • Dwelling property endorsements
    • Dwelling property endorsements / Special provisions — Oregon
    • Personal liability supplement
    • Personal liability supplement / Coverage L - Personal liability
    • Personal liability supplement / Coverage M - Medical payments to others
  • Homeowners Policy Concepts (19%)
    • Eligibility and purpose
    • Homeowners policy coverage forms
    • Homeowners policy coverage forms / Broad (HO-2)
    • Homeowners policy coverage forms / Special (HO-3)
    • Homeowners policy coverage forms / Contents broad (HO-4)
    • Homeowners policy coverage forms / Comprehensive (HO-5)
    • Homeowners policy coverage forms / Unit-owners (HO-6)
    • Homeowners policy coverage forms / Modified coverages (HO-8)
    • Definitions
    • Section I — Property coverages
    • Section I — Property coverages / Coverage A — Dwelling
    • Section I — Property coverages / Coverage B — Other structures
    • Section I — Property coverages / Coverage C — Personal property
    • Section I — Property coverages / Coverage D — Loss of use
    • Section I — Property coverages / Additional coverages
    • Section II — Liability coverages
    • Section II — Liability coverages / Coverage E — Personal liability
    • Section II — Liability coverages / Coverage F — Medical payments to others
    • Section II — Liability coverages / Additional coverages
    • Homeowners policy exclusions
    • Homeowners policy exclusions / Section I-Property covered exclusions
    • Homeowners policy exclusions / Section II - Liability covered exclusions
    • Homeowners policy conditions
    • Homeowners policy endorsements
    • Homeowners policy endorsements / Special provisions — Oregon
    • Homeowners policy endorsements / Earthquake
    • Homeowners policy endorsements / Personal property replacement cost
    • Homeowners policy endorsements / Permitted incidental occupancies — residence premises — Oregon
    • Homeowners policy endorsements / Home day care — Oregon
    • Homeowners policy endorsements / Business pursuits
    • Homeowners policy endorsements / Watercraft
    • Homeowners policy endorsements / Personal injury
    • Scheduled personal property/personal articles floater
  • Personal Automobile Policy (14%)
    • Laws
    • Laws / Oregon Motor Vehicle Financial Responsibility Law
    • Laws / Required motor vehicle limits of liability (ORS 806.070, .075)
    • Laws / Required motor vehicle limits of liability (ORS 806.070, .075) / Other ways to prove responsibility (ORS 806.011, .060, .080)
    • Personal injury protection definitions (ORS 742.518–.544)
    • Personal injury protection definitions (ORS 742.518–.544) / Medical
    • Personal injury protection definitions (ORS 742.518–.544) / Loss of income
    • Personal injury protection definitions (ORS 742.518–.544) / Funeral
    • Personal injury protection definitions (ORS 742.518–.544) / Essential services
    • Personal injury protection definitions (ORS 742.518–.544) / Exclusions from coverage
    • Personal injury protection definitions (ORS 742.518–.544) / Arbitration
    • Personal injury protection definitions (ORS 742.518–.544) / Day Care
    • Uninsured and underinsured motorist coverage (ORS 742.500–.510)
    • Uninsured and underinsured motorist coverage (ORS 742.500–.510) / Definitions
    • Uninsured and underinsured motorist coverage (ORS 742.500–.510) / Bodily injury
    • Uninsured and underinsured motorist coverage (ORS 742.500–.510) / UM and UIM rejection
    • Uninsured and underinsured motorist coverage (ORS 742.500–.510) / Aftermarket Crash Parts Act (ORS 746.287, .289, .292)
    • Uninsured and underinsured motorist coverage (ORS 742.500–.510) / Credit History (ORS 746.661)
    • Uninsured and underinsured motorist coverage (ORS 742.500–.510) / Total Loss (ORS 742.554, 801.527, 819.014), (OAR 836.080.0240)
    • Definitions
    • Liability coverage
    • Liability coverage / Bodily injury and property damage
    • Liability coverage / Supplementary payments
    • Liability coverage / Exclusions
    • Liability coverage / Liability extension to towed vehicle
    • Medical payments coverage
    • Coverage for damage to your auto
    • Coverage for damage to your auto / Collision
    • Coverage for damage to your auto / Other than collision (comprehensive)
    • Coverage for damage to your auto / Deductibles
    • Coverage for damage to your auto / Exclusions
    • Duties after an accident or loss
    • General provisions
    • Endorsements
    • Endorsements / Amendment of policy provisions — Oregon
    • Endorsements / Towing and labor costs
    • Endorsements / Joint ownership coverage
    • Endorsements / Rental vehicle coverage
  • Other Types of Personal Insurance (7%)
    • Personal umbrella and excess policies
    • Flood Insurance
    • Residual markets
    • Residual markets / Oregon FAIR Plan Association (ORS 735.005, .015, .045)
    • Mobile home policy (insuring agreement)
    • Earthquake insurance (insuring agreement)
    • Earthquake insurance (insuring agreement) / Deductibles
    • Watercraft
Examination sources

Oregon Producer's Examination for Property Insurance

Provider
PSI Services LLC
Format
Written, computer-administered examination
Exam questions
100 questions; experimental questions are not scored
Time limit
Two hours
Passing score
70 percent or higher
Examination outline
  • Insurance Regulation (13%)
    • Licensing
    • Licensing / Purpose
    • Licensing / Process (ORS 744.058, .059, .062)
    • Licensing / Types of licensees
    • Licensing / Types of licensees / Producers (ORS 744.052, .053, 731.104)
    • Licensing / Types of licensees / Consultants (ORS 744.605, .609, .626; OAR 836-071-0150)
    • Licensing / Types of licensees / Adjusters (ORS 744.531)
    • Licensing / Types of licensees / Nonresidents (ORS 744.063)
    • Licensing / Types of licensees / Temporary (ORS 744.073)
    • Licensing / Maintenance and duration
    • Licensing / Maintenance and duration / Renewal and nonrenewal (ORS 744.072, .074) OAR 836-071-0146)
    • Licensing / Maintenance and duration / Continuing education requirements (ORS 744.072; OAR 836-071-0215 to 0250)
    • Licensing / Maintenance and duration / Reinstatement (ORS 744.018, .072(6))
    • Licensing / Maintenance and duration / Assumed business name (ORS 744.028(2),.068)
    • Licensing / Maintenance and duration / Change of address or telephone number (ORS 744.028(1), .068)
    • Licensing / Maintenance and duration / Reporting of actions (ORS 744.089)
    • Licensing / Disciplinary actions
    • Licensing / Disciplinary actions / Cease and desist orders (ORS 731.252)
    • Licensing / Disciplinary actions / License probation, suspension, revocation or refusal to issue or renew (ORS 744.074)
    • Licensing / Disciplinary actions / Civil penalty (ORS 731.988)
    • Licensing / Disciplinary actions / Criminal penalty (ORS 731.992)
    • State regulation
    • State regulation / Director's enforcement authority (ORS 731.256)
    • State regulation / Director's enforcement authority (ORS 731.256) / Director's inquiries (ORS 731.296)
    • State regulation / Company regulation
    • State regulation / Company regulation / Producer appointment (ORS 744.078)
    • State regulation / Company regulation / Termination of appointment (ORS 744.079, .081)
    • State regulation / Company regulation / Unfair claim settlement practices (ORS 746.230; OAR 836-080-0205 to 0250)
    • State regulation / Producer regulation
    • State regulation / Producer regulation / Fiduciary and trust account responsibilities (ORS 744.083; OAR 836-074-0020 to 0050)
    • State regulation / Producer regulation / Place of business/records maintenance (ORS 744.068)
    • State regulation / Producer regulation / Controlled business (ORS 746.065, .160)
    • State regulation / Producer regulation / Commissions (ORS 744.076, .077; OAR 836-071-0269–0277)
    • State regulation / Producer regulation / Fees (ORS 744.076, .077; OAR 836-071-0260 to 0277)
    • State regulation / Unfair trade practices
    • State regulation / Unfair trade practices / Misrepresentation (ORS 746.075, .100)
    • State regulation / Unfair trade practices / False advertising (ORS 746.110; OAR 836-080-0155)
    • State regulation / Unfair trade practices / Rebating (ORS 746.045)
    • State regulation / Unfair trade practices / Unfair discrimination (ORS 746.015; OAR 836-081-0005, 0010, 0020, 0030)
    • State regulation / Unfair trade practices / Illegal inducement (ORS 746.035)
    • State regulation / Examination of records (ORS 744.068(2, 3))
    • State regulation / Privacy of Consumer Information (ORS 746.600, .620, .630, .665; OAR 836-080-0501 to 836-080-
  • Federal Laws and Regulations (4%)
    • Fair Credit Reporting Act
    • 18 United States Code (USC) Sections 1033 and 1034 - purpose
    • Flood Insurance Education (National Flood Insurance Program (NFIP))
  • General Insurance Concepts (20%)
    • Risk
    • Risk / Definitions (e.g., risk, hazard, peril, loss)
    • Risk / Methods of handling risk (e.g., avoidance, retention, sharing, reduction, transfer)
    • Risk / Elements of insurable risks
    • Classifications of insurers
    • Classifications of insurers / Mutual, stock
    • Classifications of insurers / Admitted, non-admitted
    • Classifications of insurers / Foreign, domestic, alien
    • Authority and powers of producers - definitions
    • Authority and powers of producers - definitions / Express
    • Authority and powers of producers - definitions / Implied
    • Authority and powers of producers - definitions / Apparent
    • Authority and powers of producers - definitions / The Law of Agency
    • Elements of a contract
    • Elements of a contract / Offer
    • Elements of a contract / Acceptance
    • Elements of a contract / Consideration
    • Elements of a contract / Competent parties
    • Elements of a contract / Legal purpose
    • Legal interpretations affecting contracts
    • Legal interpretations affecting contracts / Reasonable expectations
    • Legal interpretations affecting contracts / Indemnity
    • Legal interpretations affecting contracts / Good faith
    • Legal interpretations affecting contracts / Warranties, representations, misrepresentations, and concealment
    • Legal interpretations affecting contracts / Fraud
  • Property Insurance Basics (17%)
    • Insurable interest
    • Underwriting (purpose, process, results)
    • Rate Development
    • Rate Development / Types
    • Rate Development / Components
    • Rate Development / Basis
    • Types of hazards
    • Types of hazards / Physical
    • Types of hazards / Moral
    • Types of hazards / Morale
    • Types of perils
    • Types of perils / Named
    • Types of perils / Open
    • Types of loss
    • Types of loss / Direct
    • Types of loss / Indirect
    • Specific, scheduled, and blanket insurance
    • Loss valuation
    • Loss valuation / Actual cash value
    • Loss valuation / Replacement cost
    • Loss valuation / Functional replacement cost
    • Loss valuation / Market value
    • Loss valuation / Agreed value
    • Loss valuation / Valued policy
    • Policy structure
    • Policy structure / Declarations
    • Policy structure / Definitions
    • Policy structure / Insuring agreement
    • Policy structure / Additional/supplementary coverage
    • Policy structure / Conditions
    • Policy structure / Exclusions
    • Policy structure / Endorsements
    • Policy clauses
    • Policy clauses / Insureds
    • Policy clauses / Policy period
    • Policy clauses / Policy territory
    • Policy clauses / Cancellation and non-renewal
    • Policy clauses / Deductibles
    • Policy clauses / Other insurance
    • Policy clauses / Other insurance / Nonconcurrency
    • Policy clauses / Other insurance / Primary and excess
    • Policy clauses / Other insurance / Pro rata
    • Policy clauses / Other insurance / Contribution by equal shares
    • Coinsurance
    • Coinsurance / Purpose
    • Coinsurance / Definition
    • Coinsurance / Calculation
    • Coinsurance / Penalties
    • Coinsurance / Total versus partial Loss
    • Vacant versus unoccupied
    • Named insured provisions
    • Named insured provisions / First named insured versus other insureds
    • Named insured provisions / Duties after loss
    • Named insured provisions / Assignment
    • Named insured provisions / Waiver of rights
    • Insurer provisions
    • Insurer provisions / Liberalization
    • Insurer provisions / Subrogation
    • Insurer provisions / Claim settlement options
    • Insurer provisions / Duty to defend
    • Third-party provisions
    • Third-party provisions / Standard mortgage clause
    • Third-party provisions / Loss payable clause
    • Third-party provisions / No benefit to the bailee
    • Oregon laws, regulations and required provisions
    • Oregon laws, regulations and required provisions / Oregon Insurance Guaranty Association (ORS 734.510–.710)
    • Oregon laws, regulations and required provisions / Cancellation and nonrenewal
    • Oregon laws, regulations and required provisions / Cancellation and nonrenewal / Commercial liability (ORS 742.700–.710)
    • Oregon laws, regulations and required provisions / Cancellation and nonrenewal / Property (ORS 742.224, 746.686-687)
    • Oregon laws, regulations and required provisions / Binders (ORS 742.043)
    • Oregon laws, regulations and required provisions / Rates (ORS 737.025, .310; OAR 836-010-0011)
    • Oregon laws, regulations and required provisions / Policy forms (ORS 742.003, .005)
    • Oregon laws, regulations and required provisions / Suit against insurer (ORS 742.240)
    • Concealment, misrepresentation or fraud (ORS 742.013, .208, .562(1)(b), .702(1)(b); 746.075, .100, .11
    • Concealment, misrepresentation or fraud (ORS 742.013, .208, .562(1)(b), .702(1)(b); 746.075, .100, .11 / Unfair discrimination (ORS 746.015,.018, .240)
    • Concealment, misrepresentation or fraud (ORS 742.013, .208, .562(1)(b), .702(1)(b); 746.075, .100, .11 / Federal Terrorism Insurance Program (15 USC 6701; Public Law 109–144, 110–160)
  • Dwelling Policy Concepts (4%)
    • Purpose and eligibility
    • Perils insured against
    • Perils insured against / Basic — Oregon
    • Perils insured against / Broad
    • Perils insured against / Special
    • Property coverages
    • Property coverages / Coverage A — Dwelling
    • Property coverages / Coverage B — Other structures
    • Property coverages / Coverage C — Personal property
    • Property coverages / Coverage D — Fair rental value
    • Property coverages / Coverage E — Additional living expense
    • Property coverages / Other coverages
    • Dwelling property exclusions
    • Dwelling property conditions
    • Dwelling property endorsements
    • Dwelling property endorsements / Special provisions — Oregon
    • Personal liability supplement
    • Personal liability supplement / Coverage L - Personal liability
    • Personal liability supplement / Coverage M - Medical payments to others
  • Homeowners Policy Concepts (16%)
    • Eligibility and purpose
    • Homeowners policy coverage forms
    • Homeowners policy coverage forms / Broad (HO-2)
    • Homeowners policy coverage forms / Special (HO-3)
    • Homeowners policy coverage forms / Contents broad (HO-4)
    • Homeowners policy coverage forms / Comprehensive (HO-5)
    • Homeowners policy coverage forms / Unit-owners (HO-6)
    • Homeowners policy coverage forms / Modified coverages (HO-8)
    • Definitions
    • Section I — Property coverages
    • Section I — Property coverages / Coverage A — Dwelling
    • Section I — Property coverages / Coverage B — Other structures
    • Section I — Property coverages / Coverage C — Personal property
    • Section I — Property coverages / Coverage D — Loss of use
    • Section I — Property coverages / Additional coverages
    • Section II - Liability coverages
    • Section II - Liability coverages / Coverage E - Personal liability
    • Section II - Liability coverages / Coverage F - Medical payments to others
    • Section II - Liability coverages / Additional coverages
    • Homeowners policy exclusions
    • Homeowners policy exclusions / Section I-Property covered exclusions
    • Homeowners policy exclusions / Section II - Liability covered exclusions
    • Homeowners policy conditions
    • Homeowners policy endorsements
    • Homeowners policy endorsements / Special provisions — Oregon
    • Homeowners policy endorsements / Earthquake
    • Homeowners policy endorsements / Personal property replacement cost
    • Homeowners policy endorsements / Permitted incidental occupancies — residence premises — Oregon
    • Homeowners policy endorsements / Home day care — Oregon
    • Homeowners policy endorsements / Business pursuits
    • Homeowners policy endorsements / Personal injury
    • Homeowners policy endorsements / Watercraft
    • Homeowners policy endorsements / Ordinance or law
    • Scheduled personal property/personal articles floater
  • Commercial Property Policies (CPP) (15%)
    • Commercial package policy
    • Commercial package policy / Purpose
    • Commercial package policy / Definition
    • Commercial package policy / Coverages
    • Commercial package policy / Coverage extensions
    • Commercial policy components
    • Commercial policy components / Declarations
    • Commercial policy components / Conditions
    • Commercial policy components / Insuring agreements
    • Commercial policy components / Exclusions
    • Commercial property forms
    • Commercial property forms / Coverage forms for building and business personal property
    • Commercial property forms / Builders risk
    • Commercial property forms / Business income
    • Commercial property forms / Legal liability
    • Commercial property forms / Extra expense
    • Commercial property forms / Cause of loss forms
    • Commercial property forms / Commercial crime
    • Commercial property endorsements
    • Commercial property endorsements / Ordinance or law
    • Commercial property endorsements / Spoilage
    • Commercial property endorsements / Peak season limit of insurance
    • Commercial property endorsements / Value reporting form
    • Commercial property endorsements / Earthquake
    • Commercial property endorsements / Equipment breakdown coverages
    • Commercial inland marine - purpose
    • Ocean marine (distinction between inland and ocean)
    • Farm coverage
    • Farm coverage / Farm property coverage form
    • Farm coverage / Farm property coverage form / Coverage A - Dwellings
    • Farm coverage / Farm property coverage form / Coverage B - Other private structures
    • Farm coverage / Farm property coverage form / Coverage C - Household personal property
    • Farm coverage / Farm property coverage form / Coverage D - Loss of use
    • Farm coverage / Farm property coverage form / Coverage E - Scheduled farm personal property
    • Farm coverage / Farm property coverage form / Coverage F - Unscheduled farm personal property
    • Farm coverage / Farm property coverage form / Coverage G - Other farm structures
    • Farm coverage / Farm property coverage form / Coverage H - Bodily injury and property damage liability
    • Farm coverage / Farm property coverage form / Coverage I - Personal and advertising injury liability
    • Farm coverage / Farm property coverage form / Coverage J - Medical payments
  • Businessowners Policy (5%)
    • Characteristics and purpose
    • Businessowners Section I — Property
    • Businessowners Section I — Property / Coverages
    • Businessowners Section I — Property / Exclusions
    • Businessowners Section I — Property / Limits of insurance
    • Businessowners Section I — Property / Deductibles
    • Businessowners Section I — Property / Loss conditions
    • Businessowners Section I — Property / General conditions
    • Businessowners Section I — Property / Optional coverages
    • Businessowners Section I — Property / Definitions
    • Businessowners section II — liability
    • Businessowners section II — liability / Coverages
    • Businessowners section II — liability / Exclusions
    • Businessowners section II — liability / Who is an insured
    • Businessowners section II — liability / Limits of insurance
    • Businessowners section II — liability / General conditions
    • Businessowners section II — liability / Definitions
  • Other Types of Property Insurance - Purpose and General Characteristics (6%)
    • Flood Insurance
    • Residual markets
    • Residual markets / Joint Underwriting Association (ORS 735.200-.260; 737.390)
    • Residual markets / Oregon FAIR Plan Association (ORS 735.005, .015, .045)
    • Mobile home policy (insuring agreement)
    • Earthquake insurance (insuring agreement)
    • Earthquake insurance (insuring agreement) / Deductible
Examination sources