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Minnesota Property Insurance — Requirements & Free Practice

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Resident Insurance Producer License — Property/Casualty

Resident individual producer authority for Property/Casualty.

Licensing authority: Minnesota Department of Commerce · Application information

Licensure within 90 days of prior license cancellation
No examination is required for this applicant pathway.
Age
Be at least 18 years old, submit truthful complete application information and meet the 60K.43 eligibility review.
Application
Submit the resident Uniform Application, pay applicable fees and provide resident fingerprints.
Commerce timing
Commerce Resident Producers states: "Applicants coming from another state are exempt from taking MN pre-licensing or passing the MN exam if application for the MN resident license is made within 90 days of the resident license going inactive." The statutory currently-licensed alternative also applies.
Exam waiver
60K.40, subdivision 1 expressly excuses prelicensing education and examination.
Prior license
Previously licensed for the same requested line(s); the application is received within 90 days after cancellation of the prior license.
Residency
Meet the Minnesota resident application requirements and surrender an incompatible resident license as Commerce instructs.
Verification
The prior jurisdiction certifies that the applicant was in good standing at cancellation, or the NAIC Producer Database confirms the licensed good-standing record.

Official no-examination sources

Effective from 2026-09-22.

Licensure using a current prior jurisdiction license
No examination is required for this applicant pathway.
Age
Be at least 18 years old, submit truthful complete application information and meet the 60K.43 eligibility review.
Application
Submit the resident Uniform Application, pay applicable fees and provide resident fingerprints.
Commerce timing
Commerce Resident Producers states: "Applicants coming from another state are exempt from taking MN pre-licensing or passing the MN exam if application for the MN resident license is made within 90 days of the resident license going inactive." The statutory currently-licensed alternative also applies.
Exam waiver
60K.40, subdivision 1 expressly excuses prelicensing education and examination.
Prior license
Previously licensed for the same requested line(s) and currently licensed in good standing in the prior home jurisdiction.
Residency
Meet the Minnesota resident application requirements and surrender an incompatible resident license as Commerce instructs.
Verification
Show good standing through prior-jurisdiction certification or the NAIC Producer Database (60K.40, subdivision 1).

Official no-examination sources

Effective from 2026-09-22.

Licensure by examination

At least one of the following alternatives:

Age
At least 18 years old (60K.37, subdivision 2(1)).
Application
Submit the Uniform Application to the commissioner through Sircon and pay the applicable 60K.55 fees.
Appointments
Obtain an insurer appointment before transacting insurance business; an appointment is not needed before license issuance (Commerce Resident Producers; 60K.49).
Eligibility
Do not have a disqualifying ground under 60K.43; disclose the application information truthfully and completely.
Examination alternatives
A Property & Casualty Producer examination covers both lines. The joint Property/Casualty license requires all parts for both lines; the joint route accepts the combined examination or both standalone examinations. A property-only applicant who selects the combined examination must meet the applicable casualty-line education and qualification requirements for joint qualification.
Fingerprints
Consent to the resident criminal-history check, submit acceptable fingerprints and pay the check fees (60K.37, subdivision 2a).
Prelicensing
Complete 20 hours of commissioner-approved prelicensing study per major line before testing, unless 60K.36, subdivisions 4 or 4a applies. The program is waived for a previously held Minnesota line; qualifying degrees and current AAI, ARM, CIC or CPCU designations exempt property, casualty or personal-lines applicants. Provide the required completion certification or original exemption documentation. Successful course completion includes attendance, assigned work and the education provider course examination under 45.29; provider-specific course tests are training conditions, not identified registered licensing examinations.
Residency
Reside in Minnesota or maintain the principal place of business in Minnesota; elect Minnesota residency in the application (60K.37, subdivision 1).
Scope
Apply for the Property/Casualty line(s) of authority.
Score currency
Examination results are valid for three years (60K.36, subdivision 6); a current examination passed before applying remains an examination of the route.
Reapplication after more than one year expired

At least one of the following alternatives:

Age
At least 18 years old (60K.37, subdivision 2(1)).
Application
Submit the Uniform Application to the commissioner through Sircon and pay the applicable 60K.55 fees.
Appointments
Obtain an insurer appointment before transacting insurance business; an appointment is not needed before license issuance (Commerce Resident Producers; 60K.49).
Eligibility
Do not have a disqualifying ground under 60K.43; disclose the application information truthfully and completely.
Examination alternatives
A Property & Casualty Producer examination covers both lines. The joint Property/Casualty license requires all parts for both lines; the joint route accepts the combined examination or both standalone examinations. A property-only applicant who selects the combined examination must meet the applicable casualty-line education and qualification requirements for joint qualification.
Fingerprints
Consent to the resident criminal-history check, submit acceptable fingerprints and pay the check fees (60K.37, subdivision 2a).
Lapse
The license has been expired for more than one year.
Prelicensing
Complete 20 hours of commissioner-approved prelicensing study per major line before testing, unless 60K.36, subdivisions 4 or 4a applies. The program is waived for a previously held Minnesota line; qualifying degrees and current AAI, ARM, CIC or CPCU designations exempt property, casualty or personal-lines applicants. Provide the required completion certification or original exemption documentation. Successful course completion includes attendance, assigned work and the education provider course examination under 45.29; provider-specific course tests are training conditions, not identified registered licensing examinations.
Prior minnesota education
A previous Minnesota license for the same line waives prelicensing study under 60K.36, subdivision 4.
Residency
Reside in Minnesota or maintain the principal place of business in Minnesota; elect Minnesota residency in the application (60K.37, subdivision 1).
Retesting
Commerce License Renewal directs applicants whose licensure requires an examination to retest, get fingerprinted and submit a new license application.
Scope
Apply for the Property/Casualty line(s) of authority.
Score currency
Examination results are valid for three years (60K.36, subdivision 6); a current examination passed before applying remains an examination of the route.
Licensure under a reciprocal licensing agreement

At least one of the following alternatives:

Age
At least 18 years old (60K.37, subdivision 2(1)).
Application
Submit the Uniform Application to the commissioner through Sircon and pay the applicable 60K.55 fees.
Appointments
Obtain an insurer appointment before transacting insurance business; an appointment is not needed before license issuance (Commerce Resident Producers; 60K.49).
Eligibility
Do not have a disqualifying ground under 60K.43; disclose the application information truthfully and completely.
Examination alternatives
A Property & Casualty Producer examination covers both lines. The joint Property/Casualty license requires all parts for both lines; the joint route accepts the combined examination or both standalone examinations. A property-only applicant who selects the combined examination must meet the applicable casualty-line education and qualification requirements for joint qualification.
Fingerprints
Consent to the resident criminal-history check, submit acceptable fingerprints and pay the check fees (60K.37, subdivision 2a).
Prelicensing
Complete 20 hours of commissioner-approved prelicensing study per major line before testing, unless 60K.36, subdivisions 4 or 4a applies. The program is waived for a previously held Minnesota line; qualifying degrees and current AAI, ARM, CIC or CPCU designations exempt property, casualty or personal-lines applicants. Provide the required completion certification or original exemption documentation. Successful course completion includes attendance, assigned work and the education provider course examination under 45.29; provider-specific course tests are training conditions, not identified registered licensing examinations.
Reciprocal agreement
A written licensing agreement must be in effect between Commerce and the other jurisdiction; the applicant must hold its corresponding license and its requirements must be substantially similar (45.0292).
Residency
Reside in Minnesota or maintain the principal place of business in Minnesota; elect Minnesota residency in the application (60K.37, subdivision 1).
Scope
Apply for the Property/Casualty line(s) of authority.
Score currency
Examination results are valid for three years (60K.36, subdivision 6); a current examination passed before applying remains an examination of the route.
Waiver discretion
45.0292 permits Commerce to waive all or part of education, examination or continuing education. The registered line examination remains a leaf subject to the applicant-specific waiver; the permission alone does not establish a blanket exemption.
Reinstatement within 12 months
No examination is required for this applicant pathway.
Continuing education
Complete 24 accredited continuing-education hours per licensing period, including three ethics hours; chapter 67A-only sellers are exempt under 60K.56, subdivision 3. Comply with the sponsor-credit and reporting rules in 60K.56. The course provider must report completion and the applicant must be compliant by expiration before renewal approval. Interactive Internet courses require provider course examinations under 45.30; other courses may require them when the education provider does. These provider-specific course tests are conditions of completing the chosen education.
Deadline
Reinstate within 12 months of the due date of the renewal fee.
Documents
Provide all additional documentation requested by the commissioner by the renewal date (60K.38, subdivision 2).
Examination
60K.38, subdivision 3 expressly permits reinstatement without passing a written examination.
Fees
Pay the 60K.55 renewal fees.
Penalty
Pay twice the unpaid renewal fee for a fee received after its due date.
Timing
The Commerce renewal instructions allow renewal no more than 90 days before expiration.

Official no-examination sources

Effective from 2026-09-22.

Resident conversion after relocation
No examination is required for this applicant pathway.
Age
Be at least 18 years old, submit truthful complete application information and meet the 60K.43 eligibility review.
Application
Meet resident application requirements, pay applicable fees, submit fingerprints, and surrender the prior resident license as Commerce instructs.
Commerce timing
Commerce Resident Producers states: "Applicants coming from another state are exempt from taking MN pre-licensing or passing the MN exam if application for the MN resident license is made within 90 days of the resident license going inactive."
Deadline
Apply within 90 days of establishing legal residence in Minnesota (60K.40, subdivision 2).
Exam waiver
No prelicensing education or examination is required for previously held lines under 60K.40, subdivision 2.
Prior license
Hold the requested line(s) in the prior jurisdiction and move to Minnesota.

Official no-examination sources

Effective from 2026-09-22.

Renewal
No examination is required for this applicant pathway.
Continuing education
Complete 24 accredited continuing-education hours per licensing period, including three ethics hours; chapter 67A-only sellers are exempt under 60K.56, subdivision 3. Comply with the sponsor-credit and reporting rules in 60K.56. The course provider must report completion and the applicant must be compliant by expiration before renewal approval. Interactive Internet courses require provider course examinations under 45.30; other courses may require them when the education provider does. These provider-specific course tests are conditions of completing the chosen education.
Documents
Provide all additional documentation requested by the commissioner by the renewal date (60K.38, subdivision 2).
Fees
Pay the 60K.55 renewal fees.
Timing
The Commerce renewal instructions allow renewal no more than 90 days before expiration.

Official no-examination sources

Effective from 2026-09-22.

Renewal with a military or extenuating circumstance waiver
No examination is required for this applicant pathway.
Continuing education
Complete 24 accredited continuing-education hours per licensing period, including three ethics hours; chapter 67A-only sellers are exempt under 60K.56, subdivision 3. Comply with the sponsor-credit and reporting rules in 60K.56. The course provider must report completion and the applicant must be compliant by expiration before renewal approval. Interactive Internet courses require provider course examinations under 45.30; other courses may require them when the education provider does. These provider-specific course tests are conditions of completing the chosen education.
Documents
Provide all additional documentation requested by the commissioner by the renewal date (60K.38, subdivision 2).
Education extension
For good cause, the commissioner may waive continuing education or allow up to 90 additional days under 60K.56, subdivision 7; comply with the conditions imposed.
Fees
Pay the 60K.55 renewal fees.
Timing
The Commerce renewal instructions allow renewal no more than 90 days before expiration.
Waiver
A licensed producer unable to comply because of military service or another extenuating circumstance such as long-term medical disability may request renewal-procedure, examination, fine or sanction waivers under 60K.38, subdivision 4. Waivers are subject to the commissioner's approval.

Official no-examination sources

Effective from 2026-09-22.

Relicensure following revocation

At least one of the following alternatives:

Age
At least 18 years old (60K.37, subdivision 2(1)).
Application
Submit the Uniform Application to the commissioner through Sircon and pay the applicable 60K.55 fees.
Appointments
Obtain an insurer appointment before transacting insurance business; an appointment is not needed before license issuance (Commerce Resident Producers; 60K.49).
Eligibility
Do not have a disqualifying ground under 60K.43; disclose the application information truthfully and completely.
Eligibility review
The commissioner must approve the new application; the passage of the waiting period does not guarantee issuance.
Examination alternatives
A Property & Casualty Producer examination covers both lines. The joint Property/Casualty license requires all parts for both lines; the joint route accepts the combined examination or both standalone examinations. A property-only applicant who selects the combined examination must meet the applicable casualty-line education and qualification requirements for joint qualification.
Fingerprints
Consent to the resident criminal-history check, submit acceptable fingerprints and pay the check fees (60K.37, subdivision 2a).
Performance bond
As a condition of reapplication the commissioner requires a performance bond of $20,000 or a greater amount, with Minnesota as obligee, operative while licensed (60K.43, subdivision 6).
Prelicensing
Complete 20 hours of commissioner-approved prelicensing study per major line before testing, unless 60K.36, subdivisions 4 or 4a applies. The program is waived for a previously held Minnesota line; qualifying degrees and current AAI, ARM, CIC or CPCU designations exempt property, casualty or personal-lines applicants. Provide the required completion certification or original exemption documentation. Successful course completion includes attendance, assigned work and the education provider course examination under 45.29; provider-specific course tests are training conditions, not identified registered licensing examinations.
Residency
Reside in Minnesota or maintain the principal place of business in Minnesota; elect Minnesota residency in the application (60K.37, subdivision 1).
Revocation wait
A revocation bars a new application for at least two years from its effective date (60K.43, subdivision 6).
Scope
Apply for the Property/Casualty line(s) of authority.
Score currency
Examination results are valid for three years (60K.36, subdivision 6); a current examination passed before applying remains an examination of the route.

Minnesota Casualty Producer Examination

Provider
PSI Services LLC
Format
Computer-administered written examination
Exam questions
75 scored questions plus 10 pretest questions
Time limit
2 hours
Passing score
70% correct
Exam fee
$45
Examination outline
  • Casualty — General Knowledge — Product Knowledge, Terms, and Concepts — Types of Policies, Bonds, and Related Terms - 23 items
    • 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
    • Automobile: Personal Auto and Business Auto
    • Automobile: Personal Auto and Business Auto — Liability
    • Automobile: Personal Auto and Business Auto — Liability — Bodily Injury
    • Automobile: Personal Auto and Business Auto — Liability — Property Damage
    • Automobile: Personal Auto and Business Auto — Liability — Split Limits
    • Automobile: Personal Auto and Business Auto — Liability — Combined Single Limit
    • Automobile: Personal Auto and Business Auto — Medical Payments
    • Automobile: Personal Auto and Business Auto — Physical Damage (collision; other than collision; specified perils)
    • Automobile: Personal Auto and Business Auto — Uninsured Motorists
    • Automobile: Personal Auto and Business Auto — Underinsured Motorists
    • Automobile: Personal Auto and Business Auto — Who is an Insured
    • Automobile: Personal Auto and Business Auto — Types of Auto
    • Automobile: Personal Auto and Business Auto — Types of Auto — Owned
    • Automobile: Personal Auto and Business Auto — Types of Auto — Non-Owned
    • Automobile: Personal Auto and Business Auto — Types of Auto — Hired
    • Automobile: Personal Auto and Business Auto — Types of Auto — Temporary Substitute
    • Automobile: Personal Auto and Business Auto — Types of Auto — Newly Acquired Autos
    • Automobile: Personal Auto and Business Auto — Types of Auto — Transportation Expense and Rental Reimbursement Expense
    • Automobile: Personal Auto and Business Auto — Auto Dealers Coverage Form, including Garagekeepers Insurance
    • Automobile: Personal Auto and Business Auto — Exclusions
    • Automobile: Personal Auto and Business Auto — Individual Insured and Drive Other Car (DOC)
    • Automobile: 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
    • Businessowners Policy (BOP)
  • Casualty — General Knowledge — Product Knowledge, Terms, and Concepts — Insurance Terms and Related Concepts - 15 items
    • 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 — General Knowledge — Product Knowledge, Terms, and Concepts — Policy Provisions - 12 items
    • 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)
  • Minnesota Specific — State Laws, Rules, and Regulations — Minnesota Laws, Rules, and Regulations Common to Life, Health, Property, and Casualty Insurance - 20 items
    • Powers and Duties of the Commissioner
    • Powers and Duties of the Commissioner — Broad Powers
    • Powers and Duties of the Commissioner — Examination of Records
    • Powers and Duties of the Commissioner — Notice and Hearing
    • Powers and Duties of the Commissioner — Forms and Rate Review
    • Definitions
    • Definitions — Domestic and Foreign
    • Definitions — Stock and Mutual
    • Definitions — Certificate of Authority
    • Licensing and Appointments
    • Licensing and Appointments — Educational Requirements
    • Licensing and Appointments — Educational Requirements — Prelicensing
    • Licensing and Appointments — Educational Requirements — Continuing Education
    • Licensing and Appointments — Educational Requirements — Flood
    • Licensing and Appointments — Types of Licenses
    • Licensing and Appointments — Types of Licenses — Producer
    • Licensing and Appointments — Types of Licenses — Temporary
    • Licensing and Appointments — Types of Licenses — Nonresident
    • Licensing and Appointments — Types of Licenses — Agency
    • Licensing and Appointments — Types of Licenses — Managing General Agent
    • Licensing and Appointments — Types of Licenses — Surplus Lines
    • Licensing and Appointments — Termination of License
    • Licensing and Appointments — Termination of License — Expiration
    • Licensing and Appointments — Termination of License — Revocation or Suspension
    • Licensing and Appointments — Appointment and termination of appointment
    • Licensing and Appointments — Maintenance and Duration of License
    • Trade Practices
    • Trade Practices — Prohibited Practices
    • Trade Practices — Prohibited Practices — Unfair Claims Settlement Methods and Practices
    • Trade Practices — Prohibited Practices — Rebating
    • Trade Practices — Prohibited Practices — Misrepresentation
    • Trade Practices — Prohibited Practices — Defamation
    • Trade Practices — Prohibited Practices — Discrimination
    • Trade Practices — Prohibited Practices — Penalties
    • Trade Practices — Prohibited Practices — Misappropriation or Conversion of Funds
    • Trade Practices — Prohibited Practices — Forgery
    • Trade Practices — Compensation of Licensees
    • Trade Practices — Compensation of Licensees — Commissions
    • Trade Practices — Compensation of Licensees — Fees for Service
    • Trade Practices — Advertising
    • Trade Practices — Agent Conduct and Insurance Marketing Standards
    • Trade Practices — Required Disclosures
    • Guaranty Association
    • Guaranty Association — Notice of Policyholder Rights
  • Minnesota Specific — State Laws, Rules, and Regulations — Minnesota Laws, Rules, and Regulations Pertinent to Casualty Insurance Only - 5 items
    • Automobile Insurance
    • Automobile Insurance — Minnesota No-Fault Automobile Insurance Act
    • Automobile Insurance — Minnesota No-Fault Automobile Insurance Act — Purpose
    • Automobile Insurance — Minnesota No-Fault Automobile Insurance Act — Proof of Insurance
    • Automobile Insurance — Minnesota No-Fault Automobile Insurance Act — Required Limits and Coverages
    • Automobile Insurance — Minnesota No-Fault Automobile Insurance Act — Required Limits and Coverages — Bodily Injury and Property Damage
    • Automobile Insurance — Minnesota No-Fault Automobile Insurance Act — Required Limits and Coverages — Basic Economic Loss Benefits (personal injury protection)
    • Automobile Insurance — Minnesota No-Fault Automobile Insurance Act — Required Limits and Coverages — Uninsured and Underinsured Motorists
    • Automobile Insurance — Minnesota No-Fault Automobile Insurance Act — Right to Sue
    • Automobile Insurance — Minnesota No-Fault Automobile Insurance Act — Payment of Claims
    • Automobile Insurance — Minnesota No-Fault Automobile Insurance Act — Payment of Claims — Time Limitations
    • Automobile Insurance — Minnesota No-Fault Automobile Insurance Act — Payment of Claims — Assigned Claims Plan
    • Automobile Insurance — Minnesota No-Fault Automobile Insurance Act — Payment of Claims — Primacy
    • Automobile Insurance — Renewal, Nonrenewal, and Cancellation
    • Automobile Insurance — Surcharge Disclosure
    • Automobile Insurance — Minnesota Automobile Insurance Plan (assigned risk)
    • Automobile Insurance — Comparative Negligence
    • Automobile Insurance — Auto Stacking
    • Workers' Compensation
    • Workers' Compensation — Purpose
    • Workers' Compensation — Definitions
    • Workers' Compensation — Requirements
    • Workers' Compensation — Benefits
    • Workers' Compensation — Assigned Risk Plan
Examination sources

Property & Casualty Producer

Provider
PSI Services LLC
Format
Computer-administered written examination
Exam questions
130 scored questions plus 15 pretest questions
Time limit
3 hours
Passing score
70% correct
Exam fee
$45
Examination outline
  • Property — General Knowledge — Product Knowledge, Terms, and Concepts — Types of Policies - 22 items
    • 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
    • Commercial Lines
    • Commercial Lines — Commercial Package Policy (CPP)
    • Commercial Lines — Commercial Property
    • Commercial Lines — Commercial Property — Commercial Building and Business 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
    • Businessowners Policy (BOP)
    • Builders Risk
    • Cyber First-Party Coverage
    • Inland Marine
    • Inland Marine — Personal Articles Floaters
    • Inland Marine — Commercial Property Floaters
    • National Flood Insurance Program
    • Others
    • Others — Mobile Homes
    • Others — Earthquake
    • Others — Watercraft
    • Others — Farm Owners
    • Others — Windstorm
  • Property — General Knowledge — Product Knowledge, Terms, and Concepts — Insurance Terms and Related Concepts - 15 items
    • 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/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 — General Knowledge — Product Knowledge, Terms, and Concepts — Policy Provisions and Contract Law - 13 items
    • Declarations
    • Insuring Agreement
    • Conditions
    • Exclusions
    • Definition of the insured
    • Duties of the Insured
    • Obligations of the insurance company
    • Mortgagee rights
    • Proof of Loss
    • Notice of Claim
    • Appraisal
    • Other Insurance Provision
    • Elements of a Contract
    • Subrogation
    • 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 — General Knowledge — Product Knowledge, Terms, and Concepts — Types of Policies, Bonds, and Related Terms - 23 items
    • 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
    • Automobile: Personal Auto and Business Auto
    • Automobile: Personal Auto and Business Auto — Liability
    • Automobile: Personal Auto and Business Auto — Liability — Bodily Injury
    • Automobile: Personal Auto and Business Auto — Liability — Property Damage
    • Automobile: Personal Auto and Business Auto — Liability — Split Limits
    • Automobile: Personal Auto and Business Auto — Liability — Combined Single Limit
    • Automobile: Personal Auto and Business Auto — Medical Payments
    • Automobile: Personal Auto and Business Auto — Physical Damage (collision; other than collision; specified perils)
    • Automobile: Personal Auto and Business Auto — Uninsured Motorists
    • Automobile: Personal Auto and Business Auto — Underinsured Motorists
    • Automobile: Personal Auto and Business Auto — Who is an Insured
    • Automobile: Personal Auto and Business Auto — Types of Auto
    • Automobile: Personal Auto and Business Auto — Types of Auto — Owned
    • Automobile: Personal Auto and Business Auto — Types of Auto — Non-Owned
    • Automobile: Personal Auto and Business Auto — Types of Auto — Hired
    • Automobile: Personal Auto and Business Auto — Types of Auto — Temporary Substitute
    • Automobile: Personal Auto and Business Auto — Types of Auto — Newly Acquired Autos
    • Automobile: Personal Auto and Business Auto — Types of Auto — Transportation Expense and Rental Reimbursement Expense
    • Automobile: Personal Auto and Business Auto — Auto Dealers Coverage Form, including Garagekeepers Insurance
    • Automobile: Personal Auto and Business Auto — Exclusions
    • Automobile: Personal Auto and Business Auto — Individual Insured and Drive Other Car (DOC)
    • Automobile: 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
    • Businessowners Policy (BOP)
  • Casualty — General Knowledge — Product Knowledge, Terms, and Concepts — Insurance Terms and Related Concepts - 15 items
    • 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 — General Knowledge — Product Knowledge, Terms, and Concepts — Policy Provisions - 12 items
    • 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)
  • Minnesota Specific — State Laws, Rules, and Regulations — Minnesota Laws, Rules, and Regulations Common to Life, Health, Property, and Casualty Insurance - 20 items
    • Powers and Duties of the Commissioner
    • Powers and Duties of the Commissioner — Broad Powers
    • Powers and Duties of the Commissioner — Examination of Records
    • Powers and Duties of the Commissioner — Notice and Hearing
    • Powers and Duties of the Commissioner — Forms and Rate Review
    • Definitions
    • Definitions — Domestic and Foreign
    • Definitions — Stock and Mutual
    • Definitions — Certificate of Authority
    • Licensing and Appointments
    • Licensing and Appointments — Educational Requirements
    • Licensing and Appointments — Educational Requirements — Prelicensing
    • Licensing and Appointments — Educational Requirements — Continuing Education
    • Licensing and Appointments — Educational Requirements — Flood
    • Licensing and Appointments — Types of Licenses
    • Licensing and Appointments — Types of Licenses — Producer
    • Licensing and Appointments — Types of Licenses — Temporary
    • Licensing and Appointments — Types of Licenses — Nonresident
    • Licensing and Appointments — Types of Licenses — Agency
    • Licensing and Appointments — Types of Licenses — Managing General Agent
    • Licensing and Appointments — Types of Licenses — Surplus Lines
    • Licensing and Appointments — Termination of License
    • Licensing and Appointments — Termination of License — Expiration
    • Licensing and Appointments — Termination of License — Revocation or Suspension
    • Licensing and Appointments — Appointment and termination of appointment
    • Licensing and Appointments — Maintenance and Duration of License
    • Trade Practices
    • Trade Practices — Prohibited Practices
    • Trade Practices — Prohibited Practices — Unfair Claims Settlement Methods and Practices
    • Trade Practices — Prohibited Practices — Rebating
    • Trade Practices — Prohibited Practices — Misrepresentation
    • Trade Practices — Prohibited Practices — Defamation
    • Trade Practices — Prohibited Practices — Discrimination
    • Trade Practices — Prohibited Practices — Penalties
    • Trade Practices — Prohibited Practices — Misappropriation or Conversion of Funds
    • Trade Practices — Prohibited Practices — Forgery
    • Trade Practices — Compensation of Licensees
    • Trade Practices — Compensation of Licensees — Commissions
    • Trade Practices — Compensation of Licensees — Fees for Service
    • Trade Practices — Advertising
    • Trade Practices — Agent Conduct and Insurance Marketing Standards
    • Trade Practices — Required Disclosures
    • Guaranty Association
    • Guaranty Association — Notice of Policyholder Rights
  • Minnesota Specific — State Laws, Rules, and Regulations — Minnesota Laws, Rules, and Regulations Pertinent to Property Insurance Only - 5 items
    • Definition of Adjusters
    • Minnesota Standard Fire Policy
    • FAIR Plan
    • FAIR Plan — Purpose
    • FAIR Plan — Definitions
    • FAIR Plan — Eligibility
    • FAIR Plan — Application Procedure
    • Homeowners
    • Homeowners — Cancellation and Nonrenewal
    • Homeowners — Coverage and Claims
    • Binders
  • Minnesota Specific — State Laws, Rules, and Regulations — Minnesota Laws, Rules, and Regulations Pertinent to Casualty Insurance Only - 5 items
    • Automobile Insurance
    • Automobile Insurance — Minnesota No-Fault Automobile Insurance Act
    • Automobile Insurance — Minnesota No-Fault Automobile Insurance Act — Purpose
    • Automobile Insurance — Minnesota No-Fault Automobile Insurance Act — Proof of Insurance
    • Automobile Insurance — Minnesota No-Fault Automobile Insurance Act — Required Limits and Coverages
    • Automobile Insurance — Minnesota No-Fault Automobile Insurance Act — Required Limits and Coverages — Bodily Injury and Property Damage
    • Automobile Insurance — Minnesota No-Fault Automobile Insurance Act — Required Limits and Coverages — Basic Economic Loss Benefits (personal injury protection)
    • Automobile Insurance — Minnesota No-Fault Automobile Insurance Act — Required Limits and Coverages — Uninsured and Underinsured Motorists
    • Automobile Insurance — Minnesota No-Fault Automobile Insurance Act — Right to Sue
    • Automobile Insurance — Minnesota No-Fault Automobile Insurance Act — Payment of Claims
    • Automobile Insurance — Minnesota No-Fault Automobile Insurance Act — Payment of Claims — Time Limitations
    • Automobile Insurance — Minnesota No-Fault Automobile Insurance Act — Payment of Claims — Assigned Claims Plan
    • Automobile Insurance — Minnesota No-Fault Automobile Insurance Act — Payment of Claims — Primacy
    • Automobile Insurance — Renewal, Nonrenewal, and Cancellation
    • Automobile Insurance — Surcharge Disclosure
    • Automobile Insurance — Minnesota Automobile Insurance Plan (assigned risk)
    • Automobile Insurance — Comparative Negligence
    • Automobile Insurance — Auto Stacking
    • Workers' Compensation
    • Workers' Compensation — Purpose
    • Workers' Compensation — Definitions
    • Workers' Compensation — Requirements
    • Workers' Compensation — Benefits
    • Workers' Compensation — Assigned Risk Plan
Examination sources

Property Producer

Provider
PSI Services LLC
Format
Computer-administered written examination; general knowledge and Minnesota-specific content belong to this one paper.
Exam questions
75 scored questions and 10 pretest questions: 50 scored plus 5 pretest general; 25 scored plus 5 pretest state.
Time limit
2 hours
Passing score
70% correct
Examination outline
  • Property — General Knowledge — Types of Policies - 22 items
    • 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
    • Commercial Lines
    • Commercial Lines — Commercial Package Policy (CPP)
    • Commercial Lines — Commercial Property
    • Commercial Lines — Commercial Property — Commercial Building and Business 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
    • Businessowners Policy (BOP)
    • Builders Risk
    • Cyber First-Party Coverage
    • Inland Marine
    • Inland Marine — Personal Articles Floaters
    • Inland Marine — Commercial Property Floaters
    • National Flood Insurance Program
    • Others
    • Others — Mobile Homes
    • Others — Earthquake
    • Others — Watercraft
    • Others — Farm Owners
    • Others — Windstorm
  • Property — General Knowledge — Insurance Terms and Related Concepts - 15 items
    • 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 — Replacement Cost — Market value
    • Loss Valuation — Replacement Cost — Stated/agreed value
    • Loss Valuation — Replacement Cost — 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 — General Knowledge — Policy Provisions and Contract Law - 13 items
    • Declarations
    • Insuring Agreement
    • Conditions
    • Exclusions
    • Definition of the insured
    • Duties of the Insured
    • Obligations of the Insurance Company
    • Mortgagee Rights
    • Proof of Loss
    • Notice of Claim
    • Appraisal
    • Other Insurance Provision
    • 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
  • Property — Minnesota Specific — Minnesota Laws, Rules, and Regulations Common to Life, Health, Property, and Casualty Insurance - 20 items
    • Powers and Duties of the Commissioner
    • Powers and Duties of the Commissioner — Broad Powers
    • Powers and Duties of the Commissioner — Examination of Records
    • Powers and Duties of the Commissioner — Notice and Hearing
    • Powers and Duties of the Commissioner — Forms and Rate Review
    • Definitions
    • Definitions — Domestic and Foreign
    • Definitions — Stock and Mutual
    • Definitions — Certificate of Authority
    • Licensing and Appointments
    • Licensing and Appointments — Educational Requirements
    • Licensing and Appointments — Educational Requirements — Prelicensing
    • Licensing and Appointments — Educational Requirements — Continuing Education
    • Licensing and Appointments — Educational Requirements — Flood
    • Licensing and Appointments — Types of Licenses
    • Licensing and Appointments — Types of Licenses — Producer
    • Licensing and Appointments — Types of Licenses — Temporary
    • Licensing and Appointments — Types of Licenses — Nonresident
    • Licensing and Appointments — Types of Licenses — Agency
    • Licensing and Appointments — Types of Licenses — Managing General Agent
    • Licensing and Appointments — Types of Licenses — Surplus Lines
    • Licensing and Appointments — Termination of License
    • Licensing and Appointments — Termination of License — Expiration
    • Licensing and Appointments — Termination of License — Revocation or Suspension
    • Licensing and Appointments — Appointment and termination of appointment
    • Licensing and Appointments — Maintenance and Duration of License
    • Trade Practices
    • Trade Practices — Prohibited Practices
    • Trade Practices — Prohibited Practices — Unfair Claims Settlement Methods and Practices
    • Trade Practices — Prohibited Practices — Rebating
    • Trade Practices — Prohibited Practices — Misrepresentation
    • Trade Practices — Prohibited Practices — Defamation
    • Trade Practices — Prohibited Practices — Discrimination
    • Trade Practices — Prohibited Practices — Penalties
    • Trade Practices — Prohibited Practices — Misappropriation or Conversion of Funds
    • Trade Practices — Prohibited Practices — Forgery
    • Trade Practices — Compensation of Licensees
    • Trade Practices — Compensation of Licensees — Commissions
    • Trade Practices — Compensation of Licensees — Fees for Service
    • Trade Practices — Advertising
    • Trade Practices — Agent Conduct and Insurance Marketing Standards
    • Trade Practices — Required Disclosures
    • Guaranty Association
    • Guaranty Association — Notice of Policyholder Rights
  • Property — Minnesota Specific — Minnesota Laws, Rules, and Regulations Pertinent to Property Insurance Only - 5 items
    • Definition of Adjusters
    • Minnesota Standard Fire Policy
    • FAIR Plan
    • FAIR Plan — Purpose
    • FAIR Plan — Definitions
    • FAIR Plan — Eligibility
    • FAIR Plan — Application Procedure
    • Homeowners
    • Homeowners — Cancellation and Nonrenewal
    • Homeowners — Coverage and Claims
    • Binders
Examination sources