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Georgia Property Insurance — Requirements & Free Practice

US-GA · License preparation

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Agent — Property and Casualty

Insurance agent authority for property and casualty; OCI requires both lines on current applications.

Licensing authority: Georgia Office of the Commissioner of Insurance and Safety Fire · Application information

Additional property bearing authority for an active licensee

At least one of the following alternatives:

Active license
Already hold an active Georgia insurance license; fingerprinting is not required for the additional license application.
Age
Applicant must be at least 18 years old.
Application
Submit the required online application, fees, notarized citizenship affidavit and verifiable identification.
Appointments
After issuance, obtain a certificate of authority from each insurer represented.
Character
Applicant must be of good character and meet statutory licensing qualifications.
Controlled business
Property and casualty applicants must not use the license for rebates or controlled business reaching 25 percent of annual premium volume.
Education
Complete eight hours of approved prelicensing education per requested major line, subject to the rule’s listed education exemptions.
Exam exemptions
Rule 120-2-3-.09 exempts CPCU holders in property and casualty, Ph.D. in Risk Management holders, qualifying prior-state licensees and other applicants the Commissioner exempts. Waivers are applicant conditions.
Fingerprints
New resident applicants submit electronic fingerprints; active licensees and applicants reinstating within six months are excepted.
Oral discretion
O.C.G.A. § 33-23-10(a) permits a supplemental oral examination at the Commissioner’s discretion; no separately identified currently offered assessment is stated.
Paired application
OCI’s resident-agent page requires both Property and Casualty and says it does not license just one of these lines. The handbook lists examination codes 03, 04 and the 06 combination; one combination examination or both individual line examinations cover the requested lines.
Residence
Applicant must be a Georgia resident present for at least six months each year or have a principal place of business in Georgia, subject to the statutory border-area exception.
Score window
Pass within 12 months of prelicensing-course completion and apply within 12 months of the passing score.
Reinstatement following employment by the Commissioner
No examination is required for this applicant pathway.
Deadline
Make a written request within 90 days after termination of employment.
Prior license
Held this license when employed by the Commissioner in responsible insurance duties as a full-time bona fide employee.

Official no-examination sources

Effective from 2026-09-22.

Resident issuance with CPCU examination exemption
No examination is required for this applicant pathway.
Designation
Hold Chartered Property and Casualty Underwriter (CPCU) designation and provide proof.
Exemption
The regulation exempts the property-and-casualty examination and approved prelicensing course requirements.
Other requirements
Meet ordinary resident age, character, application, fees, fingerprint, citizenship and insurer-appointment requirements; OCI requires paired property/casualty applications for the major-line license.

Official no-examination sources

Effective from 2026-09-22.

Reapplication after refusal, revocation or consent order surrender

At least one of the following alternatives:

Discretion
For an application refused under § 33-23-23(a) or (b), the Commissioner may allow another application no less than one year after refusal.
Good cause
Show good cause why the prior refusal or revocation is not a bar; meet current initial licensure conditions and applicable exemptions.
Waiting period
Ordinarily wait five years after refusal or revocation, or after the final judicial order affirming it. A consent-order surrender has the same effect.
Restoration of a license that lapsed during armed forces service
No examination is required for this applicant pathway.
Prior license
License lapsed while the applicant was a member of a branch of the United States armed forces.
Proof
Provide proof satisfactory to the Commissioner of the service and lapse conditions; military renewal-procedure waivers may be requested.
Time windows
Apply within five years of license expiration and within one year after military service ended.

Official no-examination sources

Effective from 2026-09-22.

Reactivation of nonactive property and casualty agent authority
No examination is required for this applicant pathway.
Approval
Obtain prior Commissioner approval and file proper application before resuming agent functions.
Requirements
No examination or prelicensing education is required for reissuance; insurer appointments and continuing education apply in the year of reactivation.

Official no-examination sources

Effective from 2026-09-22.

Nonresident licensure when home state does not require a license

At least one of the following alternatives:

Application
Submit prescribed application and fees; Georgia authority and ordinary qualifying conditions apply.
Examination
Take the examination issued by the Commissioner where required under Chapter 23.
Home state
Provide official documentation that the home state does not require this license and reciprocates with Georgia.
Nonresident reapplication after lapse with continued home state authority
No examination is required for this applicant pathway.
Application
Submit current prescribed application and fees and home-state verification.
Home authority
This route applies to applicants who continue to hold the requested reciprocal home-state license in good standing.
Lapse
A nonresident who fails timely renewal must reapply and meet initial requirements.

Official no-examination sources

Effective from 2026-09-22.

Nonresident licensure by reciprocity
No examination is required for this applicant pathway.
Application
Submit prescribed application, fees, citizenship affidavit and home-state verification.
Appointments
Obtain Georgia insurer appointments as required by O.C.G.A. § 33-23-16(g).
Home license
Hold a resident home-state license in good standing for the requested lines; home state must reciprocate.
Scope
Georgia authority cannot exceed home-state authority.

Official no-examination sources

Effective from 2026-09-22.

Timely nonresident renewal
No examination is required for this applicant pathway.
Home license
Verify current resident home-state authority in good standing.
Late renewal
The transition rule allows late renewal within 15 days with appropriate late fees.
Renewal
File renewal before expiration, pay applicable fees and satisfy reciprocal home-state continuing-education provisions.

Official no-examination sources

Effective from 2026-09-22.

Resident licensure by examination

At least one of the following alternatives:

Age
Applicant must be at least 18 years old.
Application
Submit the required online application, fees, notarized citizenship affidavit and verifiable identification.
Appointments
After issuance, obtain a certificate of authority from each insurer represented.
Character
Applicant must be of good character and meet statutory licensing qualifications.
Controlled business
Property and casualty applicants must not use the license for rebates or controlled business reaching 25 percent of annual premium volume.
Education
Complete eight hours of approved prelicensing education per requested major line, subject to the rule’s listed education exemptions.
Exam exemptions
Rule 120-2-3-.09 exempts CPCU holders in property and casualty, Ph.D. in Risk Management holders, qualifying prior-state licensees and other applicants the Commissioner exempts. Waivers are applicant conditions.
Fingerprints
New resident applicants submit electronic fingerprints; active licensees and applicants reinstating within six months are excepted.
Oral discretion
O.C.G.A. § 33-23-10(a) permits a supplemental oral examination at the Commissioner’s discretion; no separately identified currently offered assessment is stated.
Paired application
OCI’s resident-agent page requires both Property and Casualty and says it does not license just one of these lines. The handbook lists examination codes 03, 04 and the 06 combination; one combination examination or both individual line examinations cover the requested lines.
Residence
Applicant must be a Georgia resident present for at least six months each year or have a principal place of business in Georgia, subject to the statutory border-area exception.
Score window
Pass within 12 months of prelicensing-course completion and apply within 12 months of the passing score.
Resident reapplication after more than one year of lapse

At least one of the following alternatives:

Lapse
After failing to reinstate within one year, reapply and satisfy initial/prelicensing requirements; passing scores must meet the ordinary 12-month application window.
Waivers
The initial-issuance exemption grounds and the Commissioner’s extreme-hardship or military discretion remain applicant conditions.
Resident late renewal reinstatement within one year
No examination is required for this applicant pathway.
Deadline
Submit late-renewal reinstatement before one year from expiration.
Education
Provide completed renewal attachments and required continuing-education evidence.
Fees
Pay the reinstatement penalty plus required renewal and late fees.
Fingerprints
If reinstatement is received six or more months after expiration, submit electronic fingerprints.

Official no-examination sources

Effective from 2026-09-22.

Timely resident renewal, including the permitted late renewal period
No examination is required for this applicant pathway.
Bonds appointments
Maintain all bonds, sponsoring-agent relationships and insurer appointments applicable to the license.
Education
Meet applicable continuing-education requirements and exemptions; ordinary resident licenses under 20 years require 24 hours, including 3 ethics hours, and those held continuously at least 20 years require 20 hours, including 3 ethics hours. Limited subagent and credit licenses have their own reduced requirements.
Renewal
Renew biennially by the last day of the birth month; late renewal is allowed within 15 days with the required late fee.

Official no-examination sources

Effective from 2026-09-22.

Resident licensure based on prior home state authority
No examination is required for this applicant pathway.
Application
Submit the application, fees, proof of prior authority and clearance/good-standing evidence; OCI’s page and handbook describe waiver of prelicensing education, examination and fingerprinting for a timely transfer.
Prior authority
Previously licensed in the same lines in another state, currently licensed or application received within 90 days of cancellation, with evidence of good standing; movers apply within 90 days of establishing Georgia residence.

Official no-examination sources

Effective from 2026-09-22.

Resident issuance with Ph.D. in Risk Management examination exemption
No examination is required for this applicant pathway.
Degree
Hold a Ph.D. in Risk Management, as named in Rule 120-2-3-.09(1)(g).
Education
College degrees in insurance qualify for the stated course exemption; prove the degree and any separately required course qualification.
Other requirements
Meet all other ordinary resident application and licensing requirements.

Official no-examination sources

Effective from 2026-09-22.

Ordinary agent issuance after temporary training

At least one of the following alternatives:

Application disagreement
Rule 120-2-3-.40(6) says a non-temporary agent license shall issue upon that proof. The August 2026 handbook instead states: Temporary licenses do not transfer or convert to a resident agent license. To apply for a resident agent license, visit www.sircon.com/georgia. Licensure requirements are listed in the Georgia Application Requirements section of this handbook. State of Georgia Insurance 5 The regulation controls; complete OCI’s prescribed ordinary-agent application procedures.
Prelicensing
Provide proof of required prelicensing education and passing examination.

Nonactive Agent — Property-bearing Lines

Agent status permitting renewal or deferred commissions after ten consecutive years of licensure.

Licensing authority: Georgia Office of the Commissioner of Insurance and Safety Fire · Application information

Designation of an existing property bearing agent license as nonactive
No examination is required for this applicant pathway.
Activity
Only receive renewal or deferred commissions; perform no other agent functions.
Prior license
Currently licensed and continuously licensed at least ten years.
Request
File the prescribed written request and amendment fees, acknowledge eligibility and return the current license.

Official no-examination sources

Effective from 2026-09-22.

Reapplication after a lapsed nonactive personal lines license
Personal Lines (practice unavailable)
Current status
Nonactive designation requires current agent licensure, ten consecutive years of qualifying history, and restriction to renewal/deferred commissions.
Prior authority
The former nonactive agent license held personal-lines authority and was not reinstated within one year.
Reapplication
Reapply and satisfy all prelicensing requirements; the Commissioner may make extreme-hardship exceptions.
Reapplication after a lapsed nonactive property casualty license

At least one of the following alternatives:

Current status
Nonactive designation requires current agent licensure, ten consecutive years of qualifying history, and restriction to renewal/deferred commissions.
Prior authority
The former nonactive agent license held property-casualty authority and was not reinstated within one year.
Reapplication
Reapply and satisfy all prelicensing requirements; the Commissioner may make extreme-hardship exceptions.
Nonactive agent late renewal reinstatement within one year
No examination is required for this applicant pathway.
Approval
Comply with the Commissioner’s notice and any applicable requirements; extreme-hardship exceptions are discretionary.
Deadline
Reinstate before one year from expiration with required corrected filing, fees and any administrative fines.
Status
Previously held qualifying nonactive property-bearing agent authority and continues to perform only permitted commission-receipt functions.

Official no-examination sources

Effective from 2026-09-22.

Nonactive license renewal
No examination is required for this applicant pathway.
Late filing
Commissioner may send a deficiency notice and require corrected filing and late fees within 30 days; failure can lead to noncontinuation or other action.
Renewal
Rule 120-2-3-.30 requires annual renewal filing and fees; nonactive agents are exempt from continuing education while the designation remains in force.

Official no-examination sources

Effective from 2026-09-22.

Georgia Casualty Agent Examination

Provider
Pearson VUE
Format
Multiple-choice
Exam questions
80 scored plus 10 pretest questions
Time limit
2 hours
Passing score
70%
Exam fee
$67
Examination outline
  • TYPES OF POLICIES, BONDS, AND RELATED TERMS
    • Commercial general liability
    • Commercial general liability — Exposures
    • Commercial general liability — Exposures — Premises and Operations
    • Commercial general liability — Exposures — Products and Completed Operations
    • Commercial general liability — Coverage
    • Commercial general liability — Coverage — Coverage A: Bodily Injury and Property Damage Liability (Occurrence, Claims made including Retroactive Date)
    • Commercial general liability — Coverage — Coverage B: Personal Injury and Advertising Injury
    • Commercial general liability — Coverage — Coverage C: Medical Payments
    • Commercial general liability — Coverage — Supplemental Payments
    • Commercial general liability — Coverage — Who is an insured
    • Commercial general liability — Coverage — First named insured
    • Commercial general liability — Coverage — Limits (Per occurrence, Annual Aggregate)
    • Commercial general liability — Coverage — Damage to Property of Others
    • Automotive: personal auto and business auto
    • Automotive: personal auto and business auto — Liability
    • Automotive: personal auto and business auto — Liability — Bodily Injury
    • Automotive: personal auto and business auto — Liability — Property Damage
    • Automotive: personal auto and business auto — Liability — Split Limits
    • Automotive: personal auto and business auto — Liability — Combined Single Limit
    • Automotive: personal auto and business auto — Medical Payments
    • Automotive: personal auto and business auto — Physical damage (collision; other than collision; specified perils)
    • Automotive: personal auto and business auto — Uninsured motorists
    • Automotive: personal auto and business auto — Underinsured motorists
    • Automotive: personal auto and business auto — Who is an insured
    • Automotive: personal auto and business auto — Types of Auto
    • Automotive: personal auto and business auto — Types of Auto — Owned
    • Automotive: personal auto and business auto — Types of Auto — Non-owned
    • Automotive: personal auto and business auto — Types of Auto — Hired
    • Automotive: personal auto and business auto — Types of Auto — Temporary Substitute
    • Automotive: personal auto and business auto — Types of Auto — Newly Acquired Autos
    • Automotive: personal auto and business auto — Types of Auto — Transportation Expense and Rental Reimbursement Expense
    • Automotive: personal auto and business auto — Auto Dealers Coverage Form, including Garagekeepers Insurance
    • Automotive: personal auto and business auto — Exclusions
    • Automotive: personal auto and business auto — Individual Insured and Drive Other Car (DOC)
    • Automotive: personal auto and business auto — Mobile equipment
    • Workers Compensation insurance, Employers Liability insurance, and Related Issues
    • Workers Compensation insurance, Employers Liability insurance, and Related Issues — Standard policy concepts
    • Workers Compensation insurance, Employers Liability insurance, and Related Issues — Standard policy concepts — Who is an employee/employer
    • Workers Compensation insurance, Employers Liability insurance, and Related Issues — Standard policy concepts — Compensation
    • Workers Compensation insurance, Employers Liability insurance, and Related Issues — Work-related vs. non-work-related
    • Workers Compensation insurance, Employers Liability insurance, and Related Issues — Other states’ insurance
    • Workers Compensation insurance, Employers Liability insurance, and Related Issues — Employers Liability
    • Workers Compensation insurance, Employers Liability insurance, and Related Issues — Exclusive Remedy
    • Workers Compensation insurance, Employers Liability insurance, and Related Issues — Premium Determination
    • Crime
    • Crime — Employee Dishonesty
    • Crime — Theft
    • Crime — Robbery
    • Crime — Burglary
    • Crime — Forgery and Alteration
    • Crime — Mysterious disappearance
    • Bonds
    • Bonds — Surety
    • Bonds — Fidelity
    • Professional liability
    • Professional liability — Errors and Omissions
    • Professional liability — Medical Malpractice
    • Professional liability — Directors and Officers (D&O)
    • Professional liability — Employment Practices Liability (EPLI)
    • Professional liability — Cyber liability and data breach, funds transfer
    • Professional liability — Liquor liability
    • Umbrella/Excess liability
    • Business Owners Policy (BOP)
  • INSURANCE TERMS AND RELATED CONCEPTS
    • Hazards
    • Hazards — Moral
    • Hazards — Morale
    • Hazards — Physical
    • Indemnity
    • Insurable interest
    • Loss Valuation
    • Loss Valuation — Actual cash value
    • Loss Valuation — Replacement cost
    • Loss Valuation — Market value
    • Loss Valuation — Stated/agreed value
    • Loss Valuation — Salvage value
    • Negligence
    • Liability
    • Occurrence
    • Binders
    • Warranties
    • Representations
    • Concealment
    • Deposit Premium/Audit
    • Certificate of Insurance
    • Law of Large Numbers
    • Pure vs. Speculative Risk
    • Endorsements
    • Damages
    • Damages — Compensatory
    • Damages — Compensatory — General
    • Damages — Compensatory — Special
    • Damages — Punitive
    • Compliance with provisions of Fair Credit Reporting Act
  • POLICY PROVISIONS
    • Declarations
    • Insuring agreement
    • Conditions
    • Exclusions and Limitations
    • Definition of the insured
    • Duties of the insured after a loss
    • Cancellation and nonrenewal provisions
    • Supplementary payments
    • Proof of loss
    • Notice of claim
    • Other insurance
    • Subrogation
    • Loss settlement provisions including consent to settle a loss
    • Terrorism Risk Insurance Act (TRIA)
  • GEORGIA STATE LAWS, RULES, AND REGULATIONS PERTINENT TO ALL INSURANCE LINES
    • Insurance department and commissioner
    • Insurance department and commissioner — Broad powers and duties
    • Insurance department and commissioner — Examination of records
    • Insurance department and commissioner — Investigations/Notice of hearing
    • Insurance department and commissioner — Penalties
    • General insurance definitions
    • General insurance definitions — Domestic, foreign and alien
    • General insurance definitions — Stock and mutual
    • General insurance definitions — Authorized/unauthorized and certificate of authority
    • General insurance definitions — Insurance transaction / transacting business
    • Licensing of agents, counselors, subagents, and adjusters
    • Licensing of agents, counselors, subagents, and adjusters — Agent Responsibility
    • Licensing of agents, counselors, subagents, and adjusters — License maintenance
    • Licensing of agents, counselors, subagents, and adjusters — License revocation, suspension, denial, or refuse to renew
    • Licensing of agents, counselors, subagents, and adjusters — Temporary License
    • Licensing of agents, counselors, subagents, and adjusters — Nonresident License
    • Licensing of agents, counselors, subagents, and adjusters — Counselor License
    • Licensing of agents, counselors, subagents, and adjusters — Adjuster License
    • Licensing of agents, counselors, subagents, and adjusters — Surplus Lines Broker
    • Unfair trade practices
    • Unfair trade practices — Rebating
    • Unfair trade practices — Defamation
    • Unfair trade practices — Unfair Discrimination
    • Unfair trade practices — Misrepresentation
    • Unfair trade practices — Controlled business
    • Unfair trade practices — Advertising
    • Unfair trade practices — Coercion
    • Unfair trade practices — Commingling
    • Unfair trade practices — Fiduciary Responsibility
    • Unfair trade practices — Sharing Commissions
    • Unfair trade practices — Additional Fees
    • Unfair trade practices — Unfair claims practices
    • Unfair trade practices — Fraud
  • GEORGIA RULES AND CODES PERTINENT TO PROPERTY & CASUALTY INSURANCE
    • Cancellation and nonrenewal of policies
    • Regulation of Rates
    • Binders
    • Georgia Insurer Solvency Pool
  • GEORGIA RULES AND CODES PERTINENT TO CASUALTY INSURANCE ONLY
    • Auto
    • Auto — Defensive driving
    • Auto — Uninsured Motorists coverage
    • Auto — Financial Responsibility Law
    • Auto — Georgia Automobile Insurance Plan/Assigned Risk
    • Workers Compensation Law
Examination sources

Property & Casualty Agent COMBO

Provider
Pearson VUE
Format
Multiple-choice
Exam questions
125 scored plus 10 pretest questions
Time limit
2.5 hours
Passing score
70%
Exam fee
$67
Examination outline
  • PROPERTY: TYPES OF POLICIES
    • Homeowners
    • Homeowners — HO-2
    • Homeowners — HO-3
    • Homeowners — HO-4
    • Homeowners — HO-5
    • Homeowners — HO-6
    • Homeowners — HO-7
    • Dwelling policies
    • Commercial lines
    • Commercial lines — Commercial Package Policy (CPP)
    • Commercial lines — Commercial property
    • Commercial lines — Commercial property — Commercial building and personal property form
    • Commercial lines — Commercial property — Causes of loss forms
    • Commercial lines — Commercial property — Business income
    • Commercial lines — Commercial property — Extra expense
    • Commercial lines — Commercial property — Equipment breakdown
    • Commercial lines — Businessowners Policy (BOP)
    • Commercial lines — Builders Risk
    • Commercial lines — Cyber First-Party Coverage
    • Inland marine
    • Inland marine — Personal Articles floaters
    • Inland marine — Commercial Property floaters
    • National Flood Insurance Program
    • Others
    • Others — Earthquake
    • Others — Mobile Homes
    • Others — Watercraft
    • Others — Farm Owners
    • Others — Windstorm
  • PROPERTY: 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 — State/agreed 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
  • PROPERTY: POLICY PROVISIONS AND CONTRACT LAW
    • Declarations
    • Insuring agreement
    • Conditions
    • Exclusions
    • Definition of the insured
    • Duties of the insured
    • Obligations of the insurance company
    • Mortgagee rights
    • Proof of loss
    • Notice of claim
    • Appraisal
    • Other Insurance Provision
    • Subrogation
    • Elements of a contract
    • Warranties, representations, and concealment
    • Sources of underwriting information
    • Fair Credit Reporting Act
    • Privacy Protection (Gramm Leach Bliley)
    • Policy Application
    • Terrorism Risk Insurance Act (TRIA)
    • Territory
  • CASUALTY: TYPES OF POLICIES, BONDS, AND RELATED TERMS
    • Commercial general liability
    • Commercial general liability — Exposures
    • Commercial general liability — Exposures — Premises and Operations
    • Commercial general liability — Exposures — Products and Completed Operations
    • Commercial general liability — Coverage
    • Commercial general liability — Coverage — Coverage A: Bodily Injury and Property Damage Liability (Occurrence, Claims made including Retroactive Date)
    • Commercial general liability — Coverage — Coverage B: Personal Injury and Advertising Injury
    • Commercial general liability — Coverage — Coverage C: Medical Payments
    • Commercial general liability — Coverage — Supplemental Payments
    • Commercial general liability — Coverage — Who is an insured
    • Commercial general liability — Coverage — First named insured
    • Commercial general liability — Coverage — Limits (Per occurrence, Annual Aggregate)
    • Commercial general liability — Coverage — Damage to Property of Others Conditions
    • Automotive: personal auto and business auto
    • Automotive: personal auto and business auto — Liability
    • Automotive: personal auto and business auto — Liability — Bodily Injury
    • Automotive: personal auto and business auto — Liability — Property Damage
    • Automotive: personal auto and business auto — Liability — Split Limits
    • Automotive: personal auto and business auto — Liability — Combined Single Limit
    • Automotive: personal auto and business auto — Medical Payments
    • Automotive: personal auto and business auto — Physical damage (collision; other than collision; specified perils
    • Automotive: personal auto and business auto — Uninsured motorists
    • Automotive: personal auto and business auto — Underinsured motorists
    • Automotive: personal auto and business auto — Who is an insured
    • Automotive: personal auto and business auto — Types of Auto
    • Automotive: personal auto and business auto — Types of Auto — Owned
    • Automotive: personal auto and business auto — Types of Auto — Non-owned
    • Automotive: personal auto and business auto — Types of Auto — Hired
    • Automotive: personal auto and business auto — Types of Auto — Temporary Substitute
    • Automotive: personal auto and business auto — Types of Auto — Newly Acquired Autos
    • Automotive: personal auto and business auto — Types of Auto — Transportation Expense and Rental Reimbursement Expense
    • Automotive: personal auto and business auto — Auto Dealers Coverage Form, including Garagekeepers Insurance
    • Automotive: personal auto and business auto — Exclusions
    • Automotive: personal auto and business auto — Individual Insured and Drive Other Car (DOC)
    • Automotive: personal auto and business auto — Mobile equipment
    • Workers Compensation insurance, Employers Liability insurance, and Related Issues
    • Workers Compensation insurance, Employers Liability insurance, and Related Issues — Standard policy concepts
    • Workers Compensation insurance, Employers Liability insurance, and Related Issues — Standard policy concepts — Who is and employee/employer
    • Workers Compensation insurance, Employers Liability insurance, and Related Issues — Standard policy concepts — Compensation
    • Workers Compensation insurance, Employers Liability insurance, and Related Issues — Work-related vs. non-work-related
    • Workers Compensation insurance, Employers Liability insurance, and Related Issues — Other states’ insurance
    • Workers Compensation insurance, Employers Liability insurance, and Related Issues — Employers Liability
    • Workers Compensation insurance, Employers Liability insurance, and Related Issues — Exclusive Remedy
    • Workers Compensation insurance, Employers Liability insurance, and Related Issues — Premium Determination
    • Crime
    • Crime — Employee Dishonesty
    • Crime — Theft
    • Crime — Robbery
    • Crime — Burglary
    • Crime — Forgery and Alteration
    • Crime — Mysterious disappearance
    • Bonds
    • Bonds — Surety
    • Bonds — Fidelity
    • Professional liability
    • Professional liability — Errors and Omissions
    • Professional liability — Medical Malpractice
    • Professional liability — Directors and Officers (D&O)
    • Professional liability — Employment Practices Liability (EPLI)
    • Professional liability — Cyber liability and data breach, funds transfer
    • Professional liability — Liquor liability
    • Umbrella/Excess liability
    • Business Owners Policy (BOP)
  • CASUALTY: INSURANCE TERMS AND RELATED CONCEPTS
    • Risk
    • Hazards
    • Hazards — Moral
    • Hazards — Morale
    • Hazards — Physical
    • Indemnity
    • Insurable interest
    • Loss Valuation
    • Loss Valuation — Actual cash value
    • Loss Valuation — Replacement cost
    • Loss Valuation — Market value
    • Loss Valuation — Stated/agreed value
    • Loss Valuation — Salvage value
    • Negligence
    • Liability
    • Occurrence
    • Binders
    • Warranties
    • Representations
    • Concealment
    • Deposit Premium/Audit
    • Certificate of Insurance
    • Law of Large Numbers
    • Pure vs. Speculative Risk
    • Endorsements
    • Damages
    • Damages — Compensatory
    • Damages — Compensatory — General
    • Damages — Compensatory — Special
    • Damages — Punitive
    • Compliance with provisions of Fair Credit Reporting Act
  • CASUALTY: POLICY PROVISIONS
    • Declarations
    • Insuring agreement
    • Conditions
    • Exclusions and Limitations
    • Definition of the insured
    • Duties of the insured after a loss
    • Cancellation and nonrenewal provisions
    • Supplementary payments
    • Proof of loss
    • Notice of claim
    • Other insurance
    • Subrogation
    • Loss settlement provisions including consent to settle a loss
    • Terrorism Risk Insurance Act (TRIA)
  • GEORGIA STATE LAWS, RULES, AND REGULATIONS PERTINENT TO ALL INSURANCE LINES
    • Insurance department and commissioner
    • Insurance department and commissioner — Broad powers and duties
    • Insurance department and commissioner — Examination of records
    • Insurance department and commissioner — Investigations/Notice of hearing
    • Insurance department and commissioner — Penalties
    • General insurance definitions
    • General insurance definitions — Domestic, foreign and alien
    • General insurance definitions — Stock and mutual
    • General insurance definitions — Authorized/unauthorized and certificate of authority
    • General insurance definitions — Insurance transaction / transacting business
    • Licensing of agents, counselors, subagents, and adjusters
    • Licensing of agents, counselors, subagents, and adjusters — Agent Responsibility
    • Licensing of agents, counselors, subagents, and adjusters — License maintenance
    • Licensing of agents, counselors, subagents, and adjusters — License revocation, suspension, denial, or refuse to renew
    • Licensing of agents, counselors, subagents, and adjusters — Temporary License
    • Licensing of agents, counselors, subagents, and adjusters — Nonresident License
    • Licensing of agents, counselors, subagents, and adjusters — Counselor License
    • Licensing of agents, counselors, subagents, and adjusters — Adjuster License
    • Licensing of agents, counselors, subagents, and adjusters — Surplus Lines Broker
    • Unfair trade practices
    • Unfair trade practices — Rebating
    • Unfair trade practices — Defamation
    • Unfair trade practices — Unfair Discrimination
    • Unfair trade practices — Misrepresentation
    • Unfair trade practices — Controlled business
    • Unfair trade practices — Advertising
    • Unfair trade practices — Coercion
    • Unfair trade practices — Commingling
    • Unfair trade practices — Fiduciary Responsibility
    • Unfair trade practices — Sharing Commissions
    • Unfair trade practices — Additional Fees
    • Unfair trade practices — Unfair claims practices
    • Unfair trade practices — Fraud
  • GEORGIA RULES AND CODES PERTINENT TO PROPERTY & CASUALTY INSURANCE
    • Cancellation and nonrenewal of policies
    • Regulation of Rates
    • Binders
    • Georgia Insurer Solvency Pool
  • GEORGIA RULES AND CODES PERTINENT TO PROPERTY INSURANCE ONLY
    • FAIR plan
  • GEORGIA RULES AND CODES PERTINENT TO CASUALTY INSURANCE ONLY
    • Auto
    • Auto — Defensive driving
    • Auto — Uninsured Motorists coverage
    • Auto — Financial Responsibility Law
    • Auto — Georgia Automobile Insurance Plan/Assigned Risk
    • Workers Compensation Law
Examination sources

Property Agent

Provider
Pearson VUE
Format
Multiple-choice
Exam questions
80 scored plus 10 pretest questions
Time limit
2 hours
Passing score
70%
Exam fee
$67
Examination outline
  • TYPES OF POLICIES
    • Homeowners
    • Homeowners — HO-2
    • Homeowners — HO-3
    • Homeowners — HO-4
    • Homeowners — HO-5
    • Homeowners — HO-6
    • Homeowners — HO-7
    • Dwelling policies
    • Commercial lines
    • Commercial lines — Commercial Package Policy (CPP)
    • Commercial lines — Commercial property
    • Commercial lines — Commercial property — Commercial building and personal property form
    • Commercial lines — Commercial property — Causes of loss forms
    • Commercial lines — Commercial property — Business income
    • Commercial lines — Commercial property — Extra expense
    • Commercial lines — Commercial property — Equipment breakdown
    • Commercial lines — Businessowners Policy (BOP)
    • Commercial lines — Builders Risk
    • Commercial lines — Cyber First-Party Coverage
    • Inland marine
    • Inland marine — Personal Articles floaters
    • Inland marine — Commercial Property floaters
    • National Flood Insurance Program
    • Others
    • Others — Earthquake
    • Others — Mobile Homes
    • Others — Watercraft
    • Others — Farm Owners
    • Others — Windstorm
  • 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 — State/agreed 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
  • POLICY PROVISIONS AND CONTRACT LAW
    • Declarations
    • Insuring agreement
    • Conditions
    • Exclusions
    • Definition of the insured
    • Duties of the insured
    • Obligations of the insurance company
    • Mortgagee rights
    • Proof of loss
    • Notice of claim
    • Appraisal
    • Other Insurance Provision
    • Subrogation
    • Elements of a contract
    • Warranties, representations, and concealment
    • Sources of underwriting information
    • Fair Credit Reporting Act
    • Privacy Protection (Gramm Leach Bliley)
    • Policy Application
    • Terrorism Risk Insurance Act (TRIA)
    • Territory
  • GEORGIA STATE LAWS, RULES, AND REGULATIONS PERTINENT TO ALL INSURANCE LINES
    • Insurance department and commissioner
    • Insurance department and commissioner — Broad powers and duties
    • Insurance department and commissioner — Examination of records
    • Insurance department and commissioner — Investigations/Notice of hearing
    • Insurance department and commissioner — Penalties
    • General insurance definitions
    • General insurance definitions — Domestic, foreign and alien
    • General insurance definitions — Stock and mutual
    • General insurance definitions — Authorized/unauthorized and certificate of authority
    • General insurance definitions — Insurance transaction / transacting business
    • Licensing of agents, counselors, subagents, and adjusters
    • Licensing of agents, counselors, subagents, and adjusters — Agent Responsibility
    • Licensing of agents, counselors, subagents, and adjusters — License maintenance
    • Licensing of agents, counselors, subagents, and adjusters — License revocation, suspension, denial, or refuse to renew
    • Licensing of agents, counselors, subagents, and adjusters — Temporary License
    • Licensing of agents, counselors, subagents, and adjusters — Nonresident License
    • Licensing of agents, counselors, subagents, and adjusters — Counselor License
    • Licensing of agents, counselors, subagents, and adjusters — Adjuster License
    • Licensing of agents, counselors, subagents, and adjusters — Surplus Lines Broker
    • Unfair trade practices
    • Unfair trade practices — Rebating
    • Unfair trade practices — Defamation
    • Unfair trade practices — Unfair Discrimination
    • Unfair trade practices — Misrepresentation
    • Unfair trade practices — Controlled business
    • Unfair trade practices — Advertising
    • Unfair trade practices — Coercion
    • Unfair trade practices — Commingling
    • Unfair trade practices — Fiduciary Responsibility
    • Unfair trade practices — Sharing Commissions
    • Unfair trade practices — Additional Fees
    • Unfair trade practices — Unfair claims practices
    • Unfair trade practices — Fraud
  • GEORGIA RULES AND CODES PERTINENT TO PROPERTY & CASUALTY INSURANCE
    • Cancellation and nonrenewal of policies
    • Regulation of Rates
    • Binders
    • Georgia Insurer Solvency Pool
  • GEORGIA RULES AND CODES PERTINENT TO PROPERTY INSURANCE ONLY
    • FAIR plan
Examination sources

Personal Lines

Provider
Pearson VUE
Format
Multiple-choice
Exam questions
90 scored plus 5 pretest questions
Time limit
2 hours
Passing score
70%
Exam fee
$67
Examination outline
  • 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
  • TYPES OF CASUALTY POLICIES
    • Personal Automobile
    • Personal Automobile — Liability
    • Personal Automobile — Liability — Bodily Injury
    • Personal Automobile — Liability — Property Damage
    • Personal Automobile — Liability — Split Limits
    • Personal Automobile — Liability — Combined Single Limit
    • Personal Automobile — Medical Payments
    • Personal Automobile — Physical damage (collision; other than collision; specified perils)
    • Personal Automobile — Uninsured motorists
    • Personal Automobile — Underinsured motorists
    • Personal Automobile — Who is an insured
    • Personal Automobile — Types of Auto
    • Personal Automobile — Types of Auto — Owned
    • Personal Automobile — Types of Auto — Non-owned
    • Personal Automobile — Types of Auto — Hired
    • Personal Automobile — Types of Auto — Temporary Substitute
    • Personal Automobile — Types of Auto — Newly Acquired Autos
    • Personal Automobile — Types of Auto — Transportation Expense and Rental Reimbursement Expense
    • Personal Automobile — Exclusions
    • Umbrella/Excess Liability
  • PROPERTY AND CASUALTY INSURANCE TERMS AND RELATED CONCEPTS
    • Insurance
    • Insurance — Law of Large Numbers
    • Insurable interest
    • Risk
    • Risk — Pure vs. Speculative Risk
    • Hazard
    • 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
    • Binders
    • 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
  • 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
  • GEORGIA STATE LAWS, RULES, AND REGULATIONS PERTINENT TO ALL INSURANCE LINES
    • Insurance department and commissioner
    • Insurance department and commissioner — Broad powers and duties
    • Insurance department and commissioner — Examination of records
    • Insurance department and commissioner — Investigations/Notice of hearing
    • Insurance department and commissioner — Penalties
    • General insurance definitions
    • General insurance definitions — Domestic, foreign and alien
    • General insurance definitions — Stock and mutual
    • General insurance definitions — Authorized/unauthorized and certificate of authority
    • General insurance definitions — Insurance transaction / transacting business
    • Licensing of agents, counselors, subagents, and adjusters
    • Licensing of agents, counselors, subagents, and adjusters — Agent Responsibility
    • Licensing of agents, counselors, subagents, and adjusters — License maintenance
    • Licensing of agents, counselors, subagents, and adjusters — License revocation, suspension, denial, or refuse to renew
    • Licensing of agents, counselors, subagents, and adjusters — Temporary License
    • Licensing of agents, counselors, subagents, and adjusters — Nonresident License
    • Licensing of agents, counselors, subagents, and adjusters — Counselor License
    • Licensing of agents, counselors, subagents, and adjusters — Adjuster License
    • Licensing of agents, counselors, subagents, and adjusters — Surplus Lines Broker
    • Unfair trade practices
    • Unfair trade practices — Rebating
    • Unfair trade practices — Defamation
    • Unfair trade practices — Unfair Discrimination
    • Unfair trade practices — Misrepresentation
    • Unfair trade practices — Controlled business
    • Unfair trade practices — Advertising
    • Unfair trade practices — Coercion
    • Unfair trade practices — Commingling
    • Unfair trade practices — Fiduciary Responsibility
    • Unfair trade practices — Sharing Commissions
    • Unfair trade practices — Additional Fees
    • Unfair trade practices — Unfair claims practices
    • Unfair trade practices — Fraud
  • GEORGIA RULES AND CODES PERTINENT TO PROPERTY & CASUALTY INSURANCE
    • Cancellation and nonrenewal of policies
    • Regulation of Rates
    • Binders
    • Georgia Insurer Solvency Pool
  • GEORGIA RULES AND CODES PERTINENT TO PERSONAL LINES ONLY
    • FAIR plan
    • Auto
    • Auto — Defensive driving
    • Auto — Uninsured Motorists coverage
    • Auto — Financial Responsibility Law
    • Auto — Georgia Automobile Insurance Plan/Assigned Risk
Examination sources