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Rhode Island Property & Casualty Insurance — Requirements & Free Practice

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Insurance Producer — Property, Casualty, and Personal Lines Property and Casualty

Individual insurance producer license; property, casualty, both property and casualty, or the narrower personal-lines property and casualty qualification. Other lines of insurance are outside this family.

Licensing authority: Rhode Island Department of Business Regulation, Insurance Division · Application information

Nonresident reciprocal licensure
No examination is required for this applicant pathway.
Application
Submit the home-state application or completed uniform application and pay fees; home-state licensing status may be verified using the NAIC producer database.
Authority
Requested property, casualty, or personal-lines property and casualty authority must be supported by the home-state license.
Reciprocity
Home state awards nonresident producer licenses to Rhode Island residents on the same basis.
Resident License
Currently licensed as a resident and in good standing in the home state for the requested authority.

Official no-examination sources

Effective from 2026-09-22.

Licensure for previously licensed applicants with the same lines of authority
No examination is required for this applicant pathway.
Application
Satisfy the non-examination resident application requirements of § 27-2.4-8 and applicable E&O requirements.
Prior License
Currently licensed for the same line(s) in the prior state, or application received within 90 days after cancellation with good-standing certification or NAIC database evidence.
State Law Certification
Certify knowledge of Rhode Island law applicable to insurance producers; the statute does not identify a separate examination.

Official no-examination sources

Effective from 2026-09-22.

Nonresident reinstatement within twelve months
No examination is required for this applicant pathway.
Application
Complete and file the reinstatement application and required background disclosures.
Education
Maintain reciprocal home-state licensing and continuing education compliance.
Implementation Late Fee
230-RICR-20-50-5 § 5.6 and DBR instructions state a $50 reinstatement fee in addition to renewal fees; this lower-ranked fee demand is disclosed as an applicant condition.
Statutory Late Penalty
§ 27-2.4-9(c) states a penalty of double the unpaid renewal fee.
Time Limit
Apply within one year of expiration; reinstatement instructions distinguish the period more than 30 days after expiry through 365 days.

Official no-examination sources

Effective from 2026-09-22.

Resident reinstatement within twelve months
No examination is required for this applicant pathway.
Application
Complete and file the reinstatement application and required background disclosures.
Education
Complete continuing education exactly as required for timely renewal.
Implementation Late Fee
230-RICR-20-50-5 § 5.6 and DBR instructions state a $50 reinstatement fee in addition to renewal fees; this lower-ranked fee demand is disclosed as an applicant condition.
Statutory Late Penalty
§ 27-2.4-9(c) states a penalty of double the unpaid renewal fee.
Time Limit
Apply within one year of expiration; reinstatement instructions distinguish the period more than 30 days after expiry through 365 days.

Official no-examination sources

Effective from 2026-09-22.

Resident licensure after moving to Rhode Island
No examination is required for this applicant pathway.
Knowledge Certification
Certify knowledge of Rhode Island insurance-producer law under § 27-2.4-11(a).
Previous Authority
Previously held the same property, casualty, or personal-lines authority as a producer in the prior state.
Regulatory Exception
§ 27-2.4-11(b) allows the commissioner to determine otherwise by regulation; the obtained current rules do not identify a relocation licensing examination.
Time Limit
Apply within 90 days after establishing legal residence; § 27-2.4-11(a) also sets the prior-license cancellation and good-standing conditions.

Official no-examination sources

Effective from 2026-09-22.

Renewal or restoration with military service or extenuating circumstance waiver
No examination is required for this applicant pathway.
Discretion
The commissioner must grant the requested renewal-procedure waiver; an examination requirement, fine or sanction can also be requested for waiver. The statute identifies no particular additional examination.
Eligibility
Military service or another extenuating circumstance, such as long-term medical disability, prevents compliance with renewal procedures.

Official no-examination sources

Effective from 2026-09-22.

Nonresident biennial renewal
No examination is required for this applicant pathway.
Application
Submit renewal application at NIPR, pay applicable fees, and submit explanations/supporting documents for affirmative background answers.
Continuing Education
Satisfy reciprocal home-state continuing education requirements.
Existing License
Maintain existing authorized lines of authority.

Official no-examination sources

Effective from 2026-09-22.

Resident biennial renewal
No examination is required for this applicant pathway.
Application
Submit renewal application at NIPR, pay applicable fees, and submit explanations/supporting documents for affirmative background answers.
Continuing Education
Unless exempt, complete 24 hours including at least 3 ethics hours each biennial period and have them appear on the transcript.
Existing License
Maintain existing authorized lines of authority.

Official no-examination sources

Effective from 2026-09-22.

Resident initial licensure — personal lines property and casualty
Rhode Island Personal Lines Producer Insurance Examination
Age
At least 18 years of age (§ 27-2.4-8(a)(1)).
Application
Submit the uniform application and pay the applicable licensing fee; examination results must be passed for the requested lines (§ 27-2.4-8(a)).
Background Check
Obtain a Rhode Island Attorney General BCI report, valid for 30 days, and submit it with the NIPR transaction number (DBR Licensing Instructions, February 2022).
Character
No act constituting a ground for denial, suspension or revocation (§ 27-2.4-8(a)(2)).
Errors And Omissions
Maintain at least $250,000 per claim and $500,000 annual aggregate E&O insurance; direct insurance-company employees are exempt and DBR may grant a written inactive-practice exemption (§ 27-2.4-23).
Prelicensing
No statutory prelicensing education requirement (DBR Licensing Instructions).
Requested Authority
Personal lines property and casualty sold to individuals and families for primary noncommercial purposes (§ 27-2.4-9(a)(6)); this does not grant unrestricted property and casualty authority.
Resident initial licensure — property line only
Property Producer (practice unavailable)
Age
At least 18 years of age (§ 27-2.4-8(a)(1)).
Application
Submit the uniform application and pay the applicable licensing fee; examination results must be passed for the requested lines (§ 27-2.4-8(a)).
Background Check
Obtain a Rhode Island Attorney General BCI report, valid for 30 days, and submit it with the NIPR transaction number (DBR Licensing Instructions, February 2022).
Character
No act constituting a ground for denial, suspension or revocation (§ 27-2.4-8(a)(2)).
Errors And Omissions
Maintain at least $250,000 per claim and $500,000 annual aggregate E&O insurance; direct insurance-company employees are exempt and DBR may grant a written inactive-practice exemption (§ 27-2.4-23).
Prelicensing
No statutory prelicensing education requirement (DBR Licensing Instructions).
Requested Authority
Property insurance only; this does not grant casualty authority.

Rhode Island Personal Lines Producer Insurance Examination

Provider
Pearson VUE
Format
Computer-based; scored as a whole; English and Spanish available
Exam questions
100 scoreable questions plus 10 pretest questions: 75 + 5 general knowledge; 25 + 5 Rhode Island specific
Time limit
General: 1 hour 30 minutes; State: 45 minutes
Passing score
70 scaled score
Exam fee
$80
Examination outline
  • General Knowledge I. Types of Property Policies
    • Homeowners
    • Homeowners / HO-2
    • Homeowners / HO-3
    • Homeowners / HO-4
    • Homeowners / HO-5
    • Homeowners / HO-6
    • Homeowners / HO-8
    • Dwelling policies
    • Dwelling policies / DP-1
    • Dwelling policies / DP-2
    • Dwelling policies / DP-3
    • Inland marine
    • Inland marine / Personal Articles floaters
    • National Flood Insurance Program
    • Others
    • Others / Earthquake
    • Others / Mobile Homes
    • Others / Watercraft
    • Others / Windstorm
  • General Knowledge II. Types of Casualty Policies
    • Automobile: personal auto
    • Automobile: personal auto / Liability
    • Automobile: personal auto / Liability / Bodily Injury
    • Automobile: personal auto / Liability / Property Damage
    • Automobile: personal auto / Liability / Split Limits
    • Automobile: personal auto / Liability / Combined Single Limit
    • Automobile: personal auto / Medical Payments
    • Automobile: personal auto / Physical Damage (collision; other than collision; specified perils)
    • Automobile: personal auto / Uninsured motorists
    • Automobile: personal auto / Underinsured motorists
    • Automobile: personal auto / Who is an insured
    • Automobile: personal auto / Types of Auto
    • Automobile: personal auto / Types of Auto / Owned
    • Automobile: personal auto / Types of Auto / Non-owned
    • Automobile: personal auto / Types of Auto / Hired
    • Automobile: personal auto / Types of Auto / Temporary Substitute
    • Automobile: personal auto / Types of Auto / Newly Acquired Autos
    • Automobile: personal auto / Types of Auto / Transportation Expense and Rental Reimbursement Expense
    • Automobile: personal auto / Exclusions
    • Umbrella/Excess liability
  • General Knowledge III. Property and Casualty Insurance Terms and Related Concepts
    • Insurance
    • Insurance / Law of Large Numbers
    • Insurable interest
    • Risk
    • Risk / Pure vs. Speculative Risk
    • Hazard
    • Hazard / Moral
    • Hazard / Morale
    • Hazard / Physical
    • Peril
    • Loss
    • Loss / Direct
    • Loss / Indirect
    • Loss Valuation
    • Loss Valuation / Actual cash value
    • Loss Valuation / Replacement cost
    • Loss Valuation / Market value
    • Loss Valuation / Stated value
    • Loss Valuation / Salvage value
    • Proximate cause
    • Deductible
    • Indemnity
    • Limits of liability
    • Coinsurance/Insurance to value
    • Occurrence
    • Cancellation
    • Nonrenewal
    • Vacancy and unoccupancy
    • Liability
    • Liability / Absolute
    • Liability / Strict
    • Liability / Vicarious
    • Negligence
    • Binder
    • Endorsements
    • Blanket vs. Specific
    • Burglary, Robbery, Theft, and Mysterious Disappearance
    • Warranties
    • Representations
    • Concealment
    • Deposit Premium/Audit
    • Certificate of Insurance
    • Damages
    • Damages / Compensatory
    • Damages / Compensatory / General
    • Damages / Compensatory / Special
    • Damages / Punitive
    • Compliance with Provisions of Fair Credit Reporting Act
  • General Knowledge IV. Property and Casualty Policy Provisions and Contract Law
    • Declarations
    • Insuring agreement
    • Conditions
    • Exclusions
    • Definition of the insured
    • Duties of the insured after a loss
    • Obligations of the insurance company
    • Mortgagee rights
    • Proof of loss
    • Notice of claim
    • Appraisal
    • Other Insurance Provision
    • Subrogation
    • Elements of a contract
    • Sources of underwriting information
    • Fair Credit Reporting Act
    • Privacy Protection (Gramm Leach Bliley)
    • Policy Application
    • Terrorism Risk Insurance Act (TRIA)
    • Cancellation and nonrenewal provisions
    • Supplementary payments
    • Loss settlement provisions including consent to settle a loss
    • Territory
  • Rhode Island Specific I. Rhode Island Laws, Rules, and Regulations Common to Property and Casualty Insurance
    • Commissioner/Director
    • Commissioner/Director / Broad powers
    • Commissioner/Director / Examination of records/record retention
    • Commissioner/Director / Notice and hearing
    • Commissioner/Director / Penalties
    • Definitions
    • Definitions / Domestic, foreign, and alien companies
    • Definitions / Stock and mutual companies
    • Definitions / Stock and mutual companies / Definitions
    • Definitions / Stock and mutual companies / Ownership
    • Definitions / Binders/Certificates of Insurance
    • Licensing
    • Licensing / Licensing requirements for a producer
    • Licensing / Licensing requirements for a producer / Surplus lines broker
    • Licensing / Termination of license
    • Licensing / Termination of license / Revocation, suspension and nonrenewal
    • Licensing / Continuing Education
    • Licensing / Limited/temporary licenses
    • Licensing / Producer Compensation Disclosure
    • Unfair trade practices
    • Unfair trade practices / Unfair claims settlement practices
    • Unfair trade practices / Rebating
    • Unfair trade practices / Misrepresentation
    • Unfair trade practices / Defamation
    • Unfair trade practices / Unfair Discrimination
    • Fiduciary responsibilities
    • Rhode Island Property & Casualty Insurance Guaranty Association
    • Rhode Island Property & Casualty Insurance Guaranty Association / Purpose
    • Rhode Island Property & Casualty Insurance Guaranty Association / Scope
    • Premium financing
    • Premium financing / Definitions
    • Premium financing / Limitations on interest
    • Premium financing / Cancellation of insurance contract
    • Privacy of Consumer Information
  • Rhode Island Specific II. Rhode Island Laws, Rules, and Regulations Pertinent to Property Insurance Only
    • Rhode Island Joint Reinsurance Association (RIJRA)
    • Rhode Island Joint Reinsurance Association (RIJRA) / Purposes
    • Rhode Island Joint Reinsurance Association (RIJRA) / Definitions
    • Rhode Island Joint Reinsurance Association (RIJRA) / Inspections and Reports
    • Rhode Island Joint Reinsurance Association (RIJRA) / Cancellation
    • Rhode Island Joint Reinsurance Association (RIJRA) / Limits of Coverage
    • Flood Notice requirements
    • Insurance coverage for lead poisoning
    • Notice of material change
    • Hurricane and windstorm deductibles
  • Rhode Island Specific III. Rhode Island Laws, Rules, and Regulations Pertinent to Casualty Insurance Only
    • Automobile insurance
    • Automobile insurance / Rhode Island Automobile Insurance Plan
    • Automobile insurance / Rhode Island Automobile Insurance Plan / Purpose
    • Automobile insurance / Rhode Island Automobile Insurance Plan / Applicants eligible for plan
    • Automobile insurance / Rhode Island Automobile Insurance Plan / Risks eligible for assignment
    • Automobile insurance / Rhode Island Automobile Insurance Plan / Application process/effective dates
    • Automobile insurance / Rhode Island Automobile Insurance Plan / Extent of coverage
    • Automobile insurance / Compulsory insurance
    • Automobile insurance / Compulsory insurance / Applicability
    • Automobile insurance / Compulsory insurance / Motor Vehicle Reparations Act
    • Automobile insurance / Compulsory insurance / Rental Vehicle Coverage
    • Automobile insurance / Compulsory insurance / Steering- Free Choice of Auto Repair Shop
    • Automobile insurance / Financial responsibility
    • Automobile insurance / Financial responsibility / Purpose and compliance
    • Automobile insurance / Financial responsibility / Required limits
    • Automobile insurance / Financial responsibility / Evidence of coverage
    • Automobile insurance / Financial responsibility / Uninsured motorist identification database
    • Automobile insurance / Financial responsibility / Definition of proof of financial responsibility and safety responsibility
    • Automobile insurance / Renewal, nonrenewal, and cancellation
    • Automobile insurance / Renewal, nonrenewal, and cancellation / Automobile, Liability & Property Damage: Limit on Cancellation
    • Automobile insurance / Renewal, nonrenewal, and cancellation / Personal Automobile Cancellation & Renewal
    • Automobile insurance / Renewal, nonrenewal, and cancellation / Personal Motor Vehicle, HO & Residential Fire
    • Automobile insurance / Uninsured/Underinsured motorists
Examination sources

Property Producer

Provider
Pearson VUE
Format
Computer-based, scored as one whole examination with general and Rhode Island sections
Exam questions
50 scored general questions plus 5 pretest; 26 scored Rhode Island questions plus 6 pretest
Time limit
General: 1 hour 15 minutes; State: 45 minutes
Passing score
70 scaled score
Exam fee
$80
Examination outline
  • Property — General Knowledge I. Types of Policies
    • A. Homeowners
    • A.1. Homeowners / HO-2
    • A.2. Homeowners / HO-3
    • A.3. Homeowners / HO-4
    • A.4. Homeowners / HO-5
    • A.5. Homeowners / HO-6
    • A.6. Homeowners / HO-8
    • B. Dwelling policies
    • B.1. Dwelling policies / DP-1
    • B.2. Dwelling policies / DP-2
    • B.3. Dwelling policies / DP-3
    • C. Commercial lines
    • C.1. Commercial lines / Commercial Package Policy (CPP)
    • C.2. Commercial lines / Commercial property
    • C.2.a. Commercial lines / Commercial property / Commercial building and business personal property form
    • C.2.b. Commercial lines / Commercial property / Causes of loss forms
    • C.2.c. Commercial lines / Commercial property / Business income
    • C.2.d. Commercial lines / Commercial property / Extra expense
    • C.2.e. Commercial lines / Commercial property / Equipment breakdown
    • C.3. Commercial lines / Business Owners Policy (BOP)
    • C.4. Commercial lines / Builders Risk
    • C.5. Commercial lines / Cyber First-Party Coverage
    • D. Inland marine
    • D.1. Inland marine / Personal Articles floaters
    • D.2. Inland marine / Commercial Property floaters
    • E. National Flood Insurance Program
    • F. Others
    • F.1. Others / Earthquake
    • F.2. Others / Mobile Homes
    • F.3. Others / Watercraft
    • F.4. Others / Farm Owners
    • F.5. Others / Windstorm
  • Property — General Knowledge II. Insurance Terms and Related Concepts
    • A. Insurance
    • A.1. Insurance / Law of Large Numbers
    • B. Insurable interest
    • C. Risk
    • C.1. Risk / Pure vs. Speculative Risk
    • D. Hazard
    • D.1. Hazard / Moral
    • D.2. Hazard / Morale
    • D.3. Hazard / Physical
    • E. Peril
    • F. Loss
    • F.1. Loss / Direct
    • F.2. Loss / Indirect
    • G. Loss Valuation
    • G.1. Loss Valuation / Actual cash value
    • G.2. Loss Valuation / Replacement cost
    • G.3. Loss Valuation / Market value
    • G.4. Loss Valuation / Stated/agreed value
    • G.5. Loss Valuation / Salvage value
    • H. Proximate cause
    • I. Deductible
    • J. Indemnity
    • K. Limits of liability
    • L. Coinsurance/Insurance to value
    • M. Occurrence
    • N. Cancellation
    • O. Nonrenewal
    • P. Vacancy and unoccupancy
    • Q. Liability
    • Q.1. Liability / Absolute
    • Q.2. Liability / Strict
    • Q.3. Liability / Vicarious
    • R. Negligence
    • S. Binder
    • T. Endorsements
    • U. Blanket vs. Specific
  • Property — General Knowledge III. Policy Provisions and Contract Law
    • A. Declarations
    • B. Insuring agreement
    • C. Conditions
    • D. Exclusions
    • E. Definition of the insured
    • F. Duties of the insured
    • G. Obligations of the insurance company
    • H. Mortgagee rights
    • I. Proof of loss
    • J. Notice of claim
    • K. Appraisal
    • L. Other Insurance Provision
    • M. Subrogation
    • N. Elements of a contract
    • O. Warranties, representations, and concealment
    • P. Sources of underwriting information
    • Q. Fair Credit Reporting Act
    • R. Privacy Protection (Gramm Leach Bliley)
    • S. Policy Application
    • T. Terrorism Risk Insurance Act (TRIA)
    • U. Territory
  • Property — Rhode Island Specific I. Rhode Island Laws, Rules, and Regulations Common to Property and Casualty Insurance
    • A. Commissioner/Director
    • A.1. Commissioner/Director / Broad powers
    • A.2. Commissioner/Director / Examination of records/record retention
    • A.3. Commissioner/Director / Notice and hearing
    • A.4. Commissioner/Director / Penalties
    • B. Definitions
    • B.1. Definitions / Domestic, foreign, and alien companies
    • B.2. Definitions / Stock and mutual companies
    • B.2.a. Definitions / Stock and mutual companies / Definitions
    • B.2.b. Definitions / Stock and mutual companies / Ownership
    • B.3. Definitions / Binders/Certificates of Insurance
    • C. Licensing
    • C.1. Licensing / Licensing requirements for a producer
    • C.1.a. Licensing / Licensing requirements for a producer / Surplus lines broker
    • C.2. Licensing / Termination of license
    • C.2.a. Licensing / Termination of license / Revocation, suspension and nonrenewal
    • C.3. Licensing / Continuing Education
    • C.4. Licensing / Limited/temporary licenses
    • C.5. Licensing / Producer Compensation Disclosure
    • D. Unfair trade practices
    • D.1. Unfair trade practices / Unfair claims settlement practices
    • D.2. Unfair trade practices / Rebating
    • D.3. Unfair trade practices / Misrepresentation
    • D.4. Unfair trade practices / Defamation
    • D.5. Unfair trade practices / Unfair Discrimination
    • E. Fiduciary responsibilities
    • F. Rhode Island Property & Casualty Insurance Guaranty Association
    • F.1. Rhode Island Property & Casualty Insurance Guaranty Association / Purpose
    • F.2. Rhode Island Property & Casualty Insurance Guaranty Association / Scope
    • G. Premium financing
    • G.1. Premium financing / Definitions
    • G.2. Premium financing / Limitations on interest
    • G.3. Premium financing / Cancellation of insurance contract
    • H. Privacy of Consumer Information
  • Property — Rhode Island Specific II. Rhode Island Laws, Rules, and Regulations Pertinent to Property Insurance Only
    • A. Rhode Island Joint Reinsurance Association (RIJRA)
    • A.1. Rhode Island Joint Reinsurance Association (RIJRA) / Purposes
    • A.2. Rhode Island Joint Reinsurance Association (RIJRA) / Definitions
    • A.3. Rhode Island Joint Reinsurance Association (RIJRA) / Inspections and Reports
    • A.4. Rhode Island Joint Reinsurance Association (RIJRA) / Cancellation
    • A.5. Rhode Island Joint Reinsurance Association (RIJRA) / Limits of Coverage
    • B. Flood Notice requirements
    • C. Insurance coverage for lead poisoning
    • D. Notice of material change
    • E. Hurricane and windstorm deductibles
Examination sources