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Utah Property & Casualty Insurance — Requirements & Free Practice

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Insurance Producer — Personal Lines

Restricted producer authority for personal-lines property and casualty products.

Licensing authority: Utah Insurance Department · Application information

Add personal lines authority
Utah Producer’s Personal Lines Exam
Age
At least 18 years old.
Application
Pass required examinations before applying electronically through Sircon or NIPR and pay applicable fees.
Appointments
An insurer appointment or designation by a licensed agency is required before transacting insurance.
Character
Good character and competency; disclose the civil, criminal and administrative matters the application requires.
Errors and omissions
Resident individual producers must certify and maintain applicable errors and omissions coverage under 31A-23a-203.5 and R590-244-5(3)(b).
Existing license
Holds an active Utah resident insurance license; adding personal-lines authority.
Fingerprints
Initial resident applicants must complete live-scan fingerprinting and the background-check consent; an existing resident licensee adding authority is not fingerprinted again.
Military fee exemption
31A-23a-104(6) exempts qualifying service members and qualifying military or DOD-civilian spouses holding a current recognized license in good standing from the license fee.
Prelicensing
The Department states Utah has no prelicensing education requirement.
Score window
The Prometric bulletin requires application within 90 days of passing the examination; otherwise retake it.
Renewal of active license
No examination is required for this applicant pathway.
Active license
Renew before expiration through Sircon or NIPR; pay fees and supply background-question documentation.
Continuing education
Complete applicable continuing education before renewal and allow provider posting; for individual property/casualty producers, 24 hours per two-year period including 3 ethics hours, subject to statutory exemptions.
Fingerprints
Fingerprints are not required for renewal.
Nonresident
Maintain home-state good standing and satisfy applicable home-state continuing education.

Official no-examination sources

Effective from 2026-09-22.

New personal lines license after one year inactive or transfer after 365 days
Utah Producer’s Personal Lines Exam
Age
At least 18 years old.
Application
Pass required examinations before applying electronically through Sircon or NIPR and pay applicable fees.
Appointments
An insurer appointment or designation by a licensed agency is required before transacting insurance.
Character
Good character and competency; disclose the civil, criminal and administrative matters the application requires.
Errors and omissions
Resident individual producers must certify and maintain applicable errors and omissions coverage under 31A-23a-203.5 and R590-244-5(3)(b).
Fingerprints
Initial resident applicants must complete live-scan fingerprinting and the background-check consent; an existing resident licensee adding authority is not fingerprinted again.
Inactivity
After one year inactive or relocation beyond 365 days, apply as a new applicant.
Military fee exemption
31A-23a-104(6) exempts qualifying service members and qualifying military or DOD-civilian spouses holding a current recognized license in good standing from the license fee.
Prelicensing
The Department states Utah has no prelicensing education requirement.
Score window
The Prometric bulletin requires application within 90 days of passing the examination; otherwise retake it.
Nonresident personal lines reciprocity
No examination is required for this applicant pathway.
Home license
Holds corresponding home-state authority in good standing; application, fees and jurisdictional agreement required.

Official no-examination sources

Effective from 2026-09-22.

Resident initial personal lines producer licensure
Utah Producer’s Personal Lines Exam
Age
At least 18 years old.
Application
Pass required examinations before applying electronically through Sircon or NIPR and pay applicable fees.
Appointments
An insurer appointment or designation by a licensed agency is required before transacting insurance.
Authority requested
Personal lines.
Character
Good character and competency; disclose the civil, criminal and administrative matters the application requires.
Errors and omissions
Resident individual producers must certify and maintain applicable errors and omissions coverage under 31A-23a-203.5 and R590-244-5(3)(b).
Fingerprints
Initial resident applicants must complete live-scan fingerprinting and the background-check consent; an existing resident licensee adding authority is not fingerprinted again.
Military fee exemption
31A-23a-104(6) exempts qualifying service members and qualifying military or DOD-civilian spouses holding a current recognized license in good standing from the license fee.
Prelicensing
The Department states Utah has no prelicensing education requirement.
Residence
Utah resident.
Score window
The Prometric bulletin requires application within 90 days of passing the examination; otherwise retake it.
Resident personal lines transfer within 90 days
No examination is required for this applicant pathway.
Prior license
Same authority in good standing; meets both statutory 90-day time limits, proof of residence and fingerprint requirements.

Official no-examination sources

Effective from 2026-09-22.

Resident personal lines transfer after 90 days through 365 days
Utah Laws and Regulations Exam (practice unavailable)
Prior license
Previous personal-lines authority; cancel previous resident license, document Utah residence, pass laws examination and complete application and fingerprinting.

Utah Laws and Regulations Exam

Provider
Prometric
Format
Computer-based examination; English and Spanish delivery are language options.
Exam questions
50 scored questions plus 5 unscored items
Time limit
1 hour
Examination outline
  • Insurance Regulation (60%)
    • Licensing
    • Licensing / Purpose (31A-23a-101)
    • Licensing / Process (31A-23a-103–105, 107, 302)
    • Licensing / Qualifications (31A-23a-107, 108)
    • Licensing / Types of licensees (31A-1-301, 31A-23a-106, 203, 401, 504)
    • Licensing / Types of licensees (31A-1-301, 31A-23a-106, 203, 401, 504) / Producers
    • Licensing / Types of licensees (31A-1-301, 31A-23a-106, 203, 401, 504) / Consultants
    • Licensing / Types of licensees (31A-1-301, 31A-23a-106, 203, 401, 504) / Adjusters
    • Licensing / Types of licensees (31A-1-301, 31A-23a-106, 203, 401, 504) / Nonresidents (31A-23a-109)
    • Licensing / Maintenance and duration
    • Licensing / Maintenance and duration / Renewal (31A-23a-105; 31A-23a-111)
    • Licensing / Maintenance and duration / Continuing education requirements (31A- 23a-202; Reg R590-142-1 through 10)
    • Licensing / Maintenance and duration / Reinstatement (31A-23a-111(2), 113)
    • Licensing / Maintenance and duration / Assumed name (31A-23a-110(2))
    • Licensing / Maintenance and duration / Change of address or telephone number (31A-23a-412(1)(c))
    • Licensing / Maintenance and duration / Reporting of actions (31A-23a-105(2)(b))
    • Licensing / Disciplinary actions
    • Licensing / Disciplinary actions / License termination, suspension, or revocation (31A-2-308(10)(a); 31A- 23a-111)
    • Licensing / Disciplinary actions / Probation (31A-23a-112)
    • Licensing / Disciplinary actions / Monetary forfeiture (fines) (31A-2-308)
    • State regulation
    • State regulation / Commissioner's general duties and powers (31A-2-201)
    • State regulation / Company regulation
    • State regulation / Company regulation / Solvency (31A-4-105, 105.5)
    • State regulation / Company regulation / Rates (31A-19a-201–203)
    • State regulation / Company regulation / Policy forms (31A-21-201–203)
    • State regulation / Company regulation / Producer appointment (31A-23a-115; Reg R590-244-1–14)
    • State regulation / Company regulation / Termination of appointment (Reg R590- 244-1–14)
    • State regulation / Company regulation / Unfair claim settlement practices (31A- 26-303; Reg R590-190–192)
    • State regulation / Producer regulation
    • State regulation / Producer regulation / Fiduciary and trust account responsibilities (31A-23a-409)
    • State regulation / Producer regulation / Place of business/records maintenance (31A-23a-412)
    • State regulation / Producer regulation / Controlled business (31A-23a-502)
    • State regulation / Producer regulation / Shared commissions (31A-23a-504)
    • State regulation / Unfair marketing practices (Reg R590-154)
    • State regulation / Unfair marketing practices (Reg R590-154) / Misrepresentation (31A-21-105; 31A- 23a-402(1))
    • State regulation / Unfair marketing practices (Reg R590-154) / False advertising (31A-23a-402(1))
    • State regulation / Unfair marketing practices (Reg R590-154) / Rebating (31A-23a-402(2), 31A-1- 301(145))
    • State regulation / Unfair marketing practices (Reg R590-154) / Unfair discrimination (31A-23a-402(3))
    • State regulation / Unfair marketing practices (Reg R590-154) / Boycott, coercion or intimidation (31A- 23a-402(4))
    • State regulation / Unfair marketing practices (Reg R590-154) / Illegal inducement (31A-23a-402.5, Reg R590-154-11)
    • State regulation / Examination of records (31A-2-203–205; 31A-23a-412)
    • State regulation / Privacy of Consumer Information (Reg R590- 206)
    • State regulation / Insurance fraud regulation (31A-31-103– 106)
    • State regulation / Personal liability for unpaid claims (31A-15- 105)
    • Federal regulation
    • Federal regulation / Fair Credit Reporting Act (15 USC 1681– 1681d)
    • Federal regulation / Fraud and false statements (18 USC 1033, 1034)
  • General Insurance (40%)
    • Concepts
    • Concepts / Risk management key terms
    • Concepts / Risk management key terms / Risk
    • Concepts / Risk management key terms / Exposure
    • Concepts / Risk management key terms / Hazard
    • Concepts / Risk management key terms / Peril
    • Concepts / Risk management key terms / Loss
    • Concepts / Methods of handling risk
    • Concepts / Methods of handling risk / Avoidance
    • Concepts / Methods of handling risk / Retention
    • Concepts / Methods of handling risk / Sharing
    • Concepts / Methods of handling risk / Reduction
    • Concepts / Methods of handling risk / Transfer
    • Concepts / Elements of insurable risks
    • Concepts / Adverse selection
    • Concepts / Law of large numbers
    • Concepts / Reinsurance
    • Insurers
    • Insurers / Types of insurers
    • Insurers / Types of insurers / Stock companies
    • Insurers / Types of insurers / Mutual companies
    • Insurers / Types of insurers / Fraternal benefit societies
    • Insurers / Types of insurers / Reciprocals
    • Insurers / Types of insurers / Lloyd's associations
    • Insurers / Types of insurers / Risk retention groups
    • Insurers / Private versus government insurers
    • Insurers / Admitted versus nonadmitted insurers
    • Insurers / Domestic, foreign and alien insurers
    • Insurers / Financial status (independent rating services)
    • Insurers / Marketing (distribution) systems
    • Producers and general rules of agency
    • Producers and general rules of agency / Insurer as principal
    • Producers and general rules of agency / Producer/insurer relationship
    • Producers and general rules of agency / Authority and powers of producer
    • Producers and general rules of agency / Authority and powers of producer / Express
    • Producers and general rules of agency / Authority and powers of producer / Implied
    • Producers and general rules of agency / Authority and powers of producer / Apparent
    • Producers and general rules of agency / Responsibilities to the applicant/insured
    • Contracts
    • Contracts / Elements of a legal contract
    • Contracts / Elements of a legal contract / Offer and acceptance
    • Contracts / Elements of a legal contract / Consideration
    • Contracts / Elements of a legal contract / Competent parties
    • Contracts / Elements of a legal contract / Legal purpose
    • Contracts / Distinct characteristics of an insurance contract
    • Contracts / Distinct characteristics of an insurance contract / Contract of adhesion
    • Contracts / Distinct characteristics of an insurance contract / Aleatory contract
    • Contracts / Distinct characteristics of an insurance contract / Personal contract
    • Contracts / Distinct characteristics of an insurance contract / Unilateral contract
    • Contracts / Distinct characteristics of an insurance contract / Conditional contract
    • Contracts / Legal interpretations affecting contracts
    • Contracts / Legal interpretations affecting contracts / Ambiguities in a contract of adhesion
    • Contracts / Legal interpretations affecting contracts / Reasonable expectations
    • Contracts / Legal interpretations affecting contracts / Indemnity
    • Contracts / Legal interpretations affecting contracts / Utmost good faith
    • Contracts / Legal interpretations affecting contracts / Representations/misrepresentations
    • Contracts / Legal interpretations affecting contracts / Warranties
    • Contracts / Legal interpretations affecting contracts / Concealment
    • Contracts / Legal interpretations affecting contracts / Fraud
    • Contracts / Legal interpretations affecting contracts / Waiver and estoppel
Examination sources

Utah Producer’s Personal Lines Exam

Provider
Prometric
Format
Computer-based licensing examination; English and Spanish delivery registrations are published.
Exam questions
100 scored questions plus 5 unscored items
Time limit
2 hours
Exam fee
$32
Examination outline
  • 1.0 Insurance Regulation (10%)
    • 1.1 Licensing
    • 1.1 Licensing / Purpose (31A-23a-101)
    • 1.1 Licensing / Process (31A-23a-103–105, 107, 302)
    • 1.1 Licensing / Qualifications (31A-23a-107, 108)
    • 1.1 Licensing / Types of licensees (31A-1-301, 31A-23a-106, 203, 401, 504)
    • 1.1 Licensing / Types of licensees (31A-1-301, 31A-23a-106, 203, 401, 504) / Producers
    • 1.1 Licensing / Types of licensees (31A-1-301, 31A-23a-106, 203, 401, 504) / Consultants
    • 1.1 Licensing / Types of licensees (31A-1-301, 31A-23a-106, 203, 401, 504) / Adjusters
    • 1.1 Licensing / Types of licensees (31A-1-301, 31A-23a-106, 203, 401, 504) / Nonresidents (31A-23a-109)
    • 1.1 Licensing / Maintenance and duration
    • 1.1 Licensing / Maintenance and duration / Renewal (31A-23a-105; 31A-23a-111)
    • 1.1 Licensing / Maintenance and duration / Continuing education requirements (31A-23a-202; Reg R590-142-1 through 10)
    • 1.1 Licensing / Maintenance and duration / Reinstatement (31A-23a-111(2), 113)
    • 1.1 Licensing / Maintenance and duration / Assumed name (31A-23a-110(2))
    • 1.1 Licensing / Maintenance and duration / Change of address or telephone number (31A-23a-412(1)(c))
    • 1.1 Licensing / Maintenance and duration / Reporting of actions (31A-23a-105(2)(b))
    • 1.1 Licensing / Disciplinary actions
    • 1.1 Licensing / Disciplinary actions / License termination, suspension, or revocation (31A-2-308(10)(a); 31A-23a-111)
    • 1.1 Licensing / Disciplinary actions / Probation (31A-23a-112)
    • 1.1 Licensing / Disciplinary actions / Monetary forfeiture (fines) (31A-2-308)
    • 1.2 State regulation
    • 1.2 State regulation / Commissioner's general duties and powers (31A-2-201)
    • 1.2 State regulation / Company regulation
    • 1.2 State regulation / Company regulation / Solvency (31A-4-105, 105.5)
    • 1.2 State regulation / Company regulation / Rates (31A-19a-201–203)
    • 1.2 State regulation / Company regulation / Policy forms (31A-21-201–203)
    • 1.2 State regulation / Company regulation / Producer appointment (31A-23a-115; Reg R590-244-1–14)
    • 1.2 State regulation / Company regulation / Termination of appointment (Reg R590-244-1–14)
    • 1.2 State regulation / Company regulation / Unfair claim settlement practices (31A-26-303; Reg R590-190–192)
    • 1.2 State regulation / Producer regulation
    • 1.2 State regulation / Producer regulation / Fiduciary and trust account responsibilities (31A-23a-409)
    • 1.2 State regulation / Producer regulation / Place of business/records maintenance (31A-23a-412)
    • 1.2 State regulation / Producer regulation / Controlled business (31A-23a-502)
    • 1.2 State regulation / Producer regulation / Shared commissions (31A-23a-504)
    • 1.2 State regulation / Unfair marketing practices (Reg R590-154)
    • 1.2 State regulation / Unfair marketing practices (Reg R590-154) / Misrepresentation (31A-21-105; 31A-23a-402(1))
    • 1.2 State regulation / Unfair marketing practices (Reg R590-154) / False advertising (31A-23a-402(1))
    • 1.2 State regulation / Unfair marketing practices (Reg R590-154) / Rebating (31A-23a-402(2), 31A-1-301(145))
    • 1.2 State regulation / Unfair marketing practices (Reg R590-154) / Unfair discrimination (31A-23a-402(3))
    • 1.2 State regulation / Unfair marketing practices (Reg R590-154) / Boycott, coercion or intimidation (31A-23a-402(4))
    • 1.2 State regulation / Unfair marketing practices (Reg R590-154) / Illegal inducement (31A-23a-402.5, Reg R590-154-11)
    • 1.2 State regulation / Examination of records (31A-2-203–205; 31A-23a-412)
    • 1.2 State regulation / Privacy of Consumer Information (Reg R590-206)
    • 1.2 State regulation / Insurance fraud regulation (31A-31-103– 106)
    • 1.2 State regulation / Personal liability for unpaid claims (31A-15-105)
    • 1.3 Federal regulation
    • 1.3 Federal regulation / Fair Credit Reporting Act (15 USC 1681– 1681d)
    • 1.3 Federal regulation / Fraud and false statements (18 USC 1033, 1034)
    • 1.3 Federal regulation / Privacy (Gramm Leach Bliley)
    • 1.3 Federal regulation / National Flood Insurance Program
  • 2.0 General Insurance (10%)
    • 2.1 Concepts
    • 2.1 Concepts / Risk management key terms
    • 2.1 Concepts / Risk management key terms / Risk
    • 2.1 Concepts / Risk management key terms / Exposure
    • 2.1 Concepts / Risk management key terms / Hazard
    • 2.1 Concepts / Risk management key terms / Peril
    • 2.1 Concepts / Risk management key terms / Loss
    • 2.1 Concepts / Methods of handling risk
    • 2.1 Concepts / Methods of handling risk / Avoidance
    • 2.1 Concepts / Methods of handling risk / Retention
    • 2.1 Concepts / Methods of handling risk / Sharing
    • 2.1 Concepts / Methods of handling risk / Reduction
    • 2.1 Concepts / Methods of handling risk / Transfer
    • 2.1 Concepts / Elements of insurable risks
    • 2.1 Concepts / Adverse selection
    • 2.1 Concepts / Law of large numbers
    • 2.1 Concepts / Reinsurance
    • 2.2 Insurers
    • 2.2 Insurers / Types of insurers
    • 2.2 Insurers / Types of insurers / Stock companies
    • 2.2 Insurers / Types of insurers / Mutual companies
    • 2.2 Insurers / Types of insurers / Fraternal benefit societies
    • 2.2 Insurers / Types of insurers / Reciprocals
    • 2.2 Insurers / Types of insurers / Lloyd's associations
    • 2.2 Insurers / Types of insurers / Risk retention groups
    • 2.2 Insurers / Private versus government insurers
    • 2.2 Insurers / Admitted versus nonadmitted insurers
    • 2.2 Insurers / Domestic, foreign and alien insurers
    • 2.2 Insurers / Financial status (independent rating services)
    • 2.2 Insurers / Marketing (distribution) systems
    • 2.3 Producers and general rules of agency
    • 2.3 Producers and general rules of agency / Insurer as principal
    • 2.3 Producers and general rules of agency / Producer/insurer relationship
    • 2.3 Producers and general rules of agency / Authority and powers of producer
    • 2.3 Producers and general rules of agency / Authority and powers of producer / Express
    • 2.3 Producers and general rules of agency / Authority and powers of producer / Implied
    • 2.3 Producers and general rules of agency / Authority and powers of producer / Apparent
    • 2.3 Producers and general rules of agency / Responsibilities to the applicant/insured
    • 2.4 Contracts
    • 2.4 Contracts / Elements of a legal contract
    • 2.4 Contracts / Elements of a legal contract / Offer and acceptance
    • 2.4 Contracts / Elements of a legal contract / Consideration
    • 2.4 Contracts / Elements of a legal contract / Competent parties
    • 2.4 Contracts / Elements of a legal contract / Legal purpose
    • 2.4 Contracts / Distinct characteristics of an insurance contract
    • 2.4 Contracts / Distinct characteristics of an insurance contract / Contract of adhesion
    • 2.4 Contracts / Distinct characteristics of an insurance contract / Aleatory contract
    • 2.4 Contracts / Distinct characteristics of an insurance contract / Personal contract
    • 2.4 Contracts / Distinct characteristics of an insurance contract / Unilateral contract
    • 2.4 Contracts / Distinct characteristics of an insurance contract / Conditional contract
    • 2.4 Contracts / Legal interpretations affecting contracts
    • 2.4 Contracts / Legal interpretations affecting contracts / Ambiguities in a contract of adhesion
    • 2.4 Contracts / Legal interpretations affecting contracts / Reasonable expectations
    • 2.4 Contracts / Legal interpretations affecting contracts / Indemnity
    • 2.4 Contracts / Legal interpretations affecting contracts / Utmost good faith
    • 2.4 Contracts / Legal interpretations affecting contracts / Representations/misrepresentations
    • 2.4 Contracts / Legal interpretations affecting contracts / Warranties
    • 2.4 Contracts / Legal interpretations affecting contracts / Concealment
    • 2.4 Contracts / Legal interpretations affecting contracts / Fraud
    • 2.4 Contracts / Legal interpretations affecting contracts / Waiver and estoppel
  • 3.0 Property and Casualty Insurance Basics (26%)
    • 3.1 Principles and concepts
    • 3.1 Principles and concepts / Insurable interest
    • 3.1 Principles and concepts / Underwriting
    • 3.1 Principles and concepts / Underwriting / Function
    • 3.1 Principles and concepts / Underwriting / Loss ratio
    • 3.1 Principles and concepts / Rates
    • 3.1 Principles and concepts / Rates / Types
    • 3.1 Principles and concepts / Rates / Loss costs
    • 3.1 Principles and concepts / Rates / Components
    • 3.1 Principles and concepts / Hazards
    • 3.1 Principles and concepts / Hazards / Physical
    • 3.1 Principles and concepts / Hazards / Moral
    • 3.1 Principles and concepts / Hazards / Morale
    • 3.1 Principles and concepts / Negligence
    • 3.1 Principles and concepts / Negligence / Elements of a negligent act
    • 3.1 Principles and concepts / Negligence / Defenses against negligence
    • 3.1 Principles and concepts / Damages
    • 3.1 Principles and concepts / Damages / Compensatory — special versus general
    • 3.1 Principles and concepts / Damages / Punitive
    • 3.1 Principles and concepts / Absolute liability
    • 3.1 Principles and concepts / Strict liability
    • 3.1 Principles and concepts / Vicarious liability
    • 3.1 Principles and concepts / Causes of loss (perils)
    • 3.1 Principles and concepts / Named perils versus special (open) perils
    • 3.1 Principles and concepts / Direct loss
    • 3.1 Principles and concepts / Consequential or indirect loss
    • 3.1 Principles and concepts / Blanket versus specific insurance
    • 3.1 Principles and concepts / Basic types of construction
    • 3.1 Principles and concepts / Loss valuation
    • 3.1 Principles and concepts / Loss valuation / Actual cash value
    • 3.1 Principles and concepts / Loss valuation / Replacement cost
    • 3.1 Principles and concepts / Loss valuation / Functional replacement cost
    • 3.1 Principles and concepts / Loss valuation / Market value
    • 3.1 Principles and concepts / Loss valuation / Agreed value
    • 3.1 Principles and concepts / Loss valuation / Stated amount
    • 3.1 Principles and concepts / Loss valuation / Valued policy
    • 3.2 Policy structure
    • 3.2 Policy structure / Declarations
    • 3.2 Policy structure / Definitions
    • 3.2 Policy structure / Insuring agreement or clause
    • 3.2 Policy structure / Additional/supplementary coverage
    • 3.2 Policy structure / Conditions
    • 3.2 Policy structure / Exclusions
    • 3.2 Policy structure / Endorsements
    • 3.3 Common policy provisions
    • 3.3 Common policy provisions / Insureds — named, first named and additional
    • 3.3 Common policy provisions / Policy period
    • 3.3 Common policy provisions / Policy territory
    • 3.3 Common policy provisions / Cancellation and nonrenewal
    • 3.3 Common policy provisions / Deductibles
    • 3.3 Common policy provisions / Other insurance
    • 3.3 Common policy provisions / Other insurance / Nonconcurrency
    • 3.3 Common policy provisions / Other insurance / Primary and excess
    • 3.3 Common policy provisions / Limits of liability
    • 3.3 Common policy provisions / Limits of liability / Per occurrence (accident)
    • 3.3 Common policy provisions / Limits of liability / Per person
    • 3.3 Common policy provisions / Limits of liability / Split
    • 3.3 Common policy provisions / Limits of liability / Combined single
    • 3.3 Common policy provisions / Policy limits
    • 3.3 Common policy provisions / Restoration/nonreduction of limits
    • 3.3 Common policy provisions / Coinsurance
    • 3.3 Common policy provisions / Vacancy or unoccupancy
    • 3.3 Common policy provisions / Named insured provisions
    • 3.3 Common policy provisions / Named insured provisions / Duties after loss
    • 3.3 Common policy provisions / Named insured provisions / Assignment
    • 3.3 Common policy provisions / Named insured provisions / Abandonment
    • 3.3 Common policy provisions / Insurer provisions
    • 3.3 Common policy provisions / Insurer provisions / Liberalization
    • 3.3 Common policy provisions / Insurer provisions / Subrogation
    • 3.3 Common policy provisions / Insurer provisions / Salvage
    • 3.3 Common policy provisions / Insurer provisions / Claim settlement options
    • 3.3 Common policy provisions / Insurer provisions / Duty to defend
    • 3.3 Common policy provisions / Third-party provisions
    • 3.3 Common policy provisions / Third-party provisions / Standard mortgage clause
    • 3.3 Common policy provisions / Third-party provisions / Loss payable clause
    • 3.3 Common policy provisions / Third-party provisions / No benefit to the bailee
    • 3.4 Utah laws, regulations and required provisions
    • 3.4 Utah laws, regulations and required provisions / Utah Property and Casualty Insurance Guaranty Association (31A-28-202–210, 212–215, 217–218, 220, 222)
    • 3.4 Utah laws, regulations and required provisions / Cancellation, issuance and renewal (31A-21-303)
    • 3.4 Utah laws, regulations and required provisions / Binders (31A-21-102)
    • 3.4 Utah laws, regulations and required provisions / Other insurance (31A-21-307)
    • 3.4 Utah laws, regulations and required provisions / Suit against insurer (31A-21-313)
    • 3.4 Utah laws, regulations and required provisions / Concealment or fraud (RL 76-6-521)
    • 3.4 Utah laws, regulations and required provisions / Federal Terrorism Insurance Program (15 USC 6701; Public Law 107–297, 109–144, 110–160)
  • 4.0 Dwelling Policy (10%)
    • 4.1 Characteristics and purpose
    • 4.2 Coverage forms — Perils insured against
    • 4.2 Coverage forms — Perils insured against / Basic
    • 4.2 Coverage forms — Perils insured against / Broad
    • 4.2 Coverage forms — Perils insured against / Special
    • 4.3 Property coverages
    • 4.3 Property coverages / Coverage A — Dwelling
    • 4.3 Property coverages / Coverage B — Other structures
    • 4.3 Property coverages / Coverage C — Personal property
    • 4.3 Property coverages / Coverage D — Fair rental value
    • 4.3 Property coverages / Coverage E — Additional living expense
    • 4.3 Property coverages / Other coverages
    • 4.4 General exclusions
    • 4.5 Conditions
    • 4.6 Selected endorsements
    • 4.6 Selected endorsements / Special provisions — Utah (DP 01 43)
    • 4.6 Selected endorsements / Automatic increase in insurance (DP 04 11)
    • 4.6 Selected endorsements / Broad theft coverage (DP 04 72)
    • 4.6 Selected endorsements / Dwelling under construction (DP 11 43)
    • 4.7 Personal liability supplement
  • 5.0 Homeowners Policy (19%)
    • 5.1 Coverage forms
    • 5.1 Coverage forms / HO-2 through HO-6
    • 5.1 Coverage forms / HO-8
    • 5.2 Definitions
    • 5.3 Section I — Property coverages
    • 5.3 Section I — Property coverages / Coverage A — Dwelling
    • 5.3 Section I — Property coverages / Coverage B — Other structures
    • 5.3 Section I — Property coverages / Coverage C — Personal property
    • 5.3 Section I — Property coverages / Coverage D — Loss of use
    • 5.3 Section I — Property coverages / Additional coverages
    • 5.4 Section II — Liability coverages
    • 5.4 Section II — Liability coverages / Coverage E — Personal liability
    • 5.4 Section II — Liability coverages / Coverage F — Medical payments to others
    • 5.4 Section II — Liability coverages / Additional coverages
    • 5.5 Perils insured against
    • 5.6 Exclusions
    • 5.7 Conditions
    • 5.8 Selected endorsements
    • 5.8 Selected endorsements / Special provisions — Utah (HO 01 43)
    • 5.8 Selected endorsements / Limited fungi, wet or dry rot, or bacteria coverage (HO 04 26, HO 04 27, HO 04 28)
    • 5.8 Selected endorsements / Permitted incidental occupancies — residence premises (HO 04 42)
    • 5.8 Selected endorsements / Earthquake (HO 04 54)
    • 5.8 Selected endorsements / Scheduled personal property (HO 04 61)
    • 5.8 Selected endorsements / Personal property replacement cost (HO 04 90)
    • 5.8 Selected endorsements / Home day care (HO 04 97)
    • 5.8 Selected endorsements / Business pursuits (HO 24 71)
    • 5.8 Selected endorsements / Personal injury (HO 24 82)
  • 6.0 Auto Insurance (19%)
    • 6.1 Laws
    • 6.1 Laws / Utah Financial Responsibility of Motor Vehicle Owners and Operators Act (RL 41-12a-101– 104)
    • 6.1 Laws / Required motor vehicle limits of liability (31A-22-301–304)
    • 6.1 Laws / Personal injury protection (31A-22-306–309)
    • 6.1 Laws / Personal injury protection (31A-22-306–309) / Medical
    • 6.1 Laws / Personal injury protection (31A-22-306–309) / Loss of income
    • 6.1 Laws / Personal injury protection (31A-22-306–309) / Special damages allowance
    • 6.1 Laws / Personal injury protection (31A-22-306–309) / Funeral
    • 6.1 Laws / Personal injury protection (31A-22-306–309) / Death
    • 6.1 Laws / Uninsured/underinsured motorist (31A-22-305–305.3)
    • 6.1 Laws / Uninsured/underinsured motorist (31A-22-305–305.3) / Definitions
    • 6.1 Laws / Uninsured/underinsured motorist (31A-22-305–305.3) / Bodily injury
    • 6.1 Laws / Uninsured/underinsured motorist (31A-22-305–305.3) / Property damage (31A-22-305.5)
    • 6.1 Laws / Uninsured/underinsured motorist (31A-22-305–305.3) / UM/UIM rejection
    • 6.1 Laws / Uninsured/underinsured motorist (31A-22-305–305.3) / Required limits
    • 6.1 Laws / Utah Assigned Risk Insurance Plan (31A-22-310)
    • 6.1 Laws / Aftermarket Crash Parts Act (31A-22-316– 319)
    • 6.2 Personal auto policy
    • 6.2 Personal auto policy / Definitions
    • 6.2 Personal auto policy / Liability coverage
    • 6.2 Personal auto policy / Liability coverage / Bodily injury and property damage
    • 6.2 Personal auto policy / Liability coverage / Supplementary payments
    • 6.2 Personal auto policy / Liability coverage / Exclusions
    • 6.2 Personal auto policy / Medical payments coverage
    • 6.2 Personal auto policy / Uninsured motorists coverage
    • 6.2 Personal auto policy / Coverage for damage to your auto
    • 6.2 Personal auto policy / Coverage for damage to your auto / Collision
    • 6.2 Personal auto policy / Coverage for damage to your auto / Other than collision
    • 6.2 Personal auto policy / Coverage for damage to your auto / Deductibles
    • 6.2 Personal auto policy / Coverage for damage to your auto / Transportation expenses
    • 6.2 Personal auto policy / Coverage for damage to your auto / Exclusions
    • 6.2 Personal auto policy / Duties after an accident or loss
    • 6.2 Personal auto policy / General provisions
    • 6.2 Personal auto policy / Selected endorsements
    • 6.2 Personal auto policy / Selected endorsements / Amendment of policy provisions — Utah (PP 01 93)
    • 6.2 Personal auto policy / Selected endorsements / Towing and labor costs (PP 03 03)
    • 6.2 Personal auto policy / Selected endorsements / Extended non-owned coverage — vehicles furnished or available for regular use (PP 03 06)
    • 6.2 Personal auto policy / Selected endorsements / Miscellaneous type vehicle (PP 03 23)
    • 6.2 Personal auto policy / Selected endorsements / Joint ownership coverage (PP 03 34)
  • 7.0 Other Coverages and Options (6%)
    • 7.1 Personal umbrella policies (DL 98 01)
    • 7.2 National Flood Insurance Program
    • 7.2 National Flood Insurance Program / "Write your own" versus government
    • 7.2 National Flood Insurance Program / Eligibility
    • 7.2 National Flood Insurance Program / Coverage
    • 7.2 National Flood Insurance Program / Limits
    • 7.2 National Flood Insurance Program / Deductibles
    • 7.3 Other policies
    • 7.3 Other policies / Boatowners
    • 7.4 Residual markets including Joint Underwriting Association (31A-2-214)
Examination sources