California Property and Casualty License | StateRequirement (2024)

Getting yourCaliforniaproperty and casualty licenseis the first step toward becoming aP&C insurance agentinCalifornia.

The California Department of Insurance requires you to complete a five-step process to obtain your– from taking theP&C insurance examto applying for aP&C license.

These steps will take a few weeks to complete so we recommend you bookmark this page so you can use it as a reference throughout the process.

Property and Casualty Insurance License California

Obtaining yourCaliforniaP&C licenseis easy. Just follow these five simple steps to start your journey toward becoming a property and casualty insurance agent. Once you earn this license, check out our guide on how to get yourCalifornia life insurance licenseas well.

Step 1: Complete a California Pre-License Education Course

Before you take the California P&C insurance licensing exam, it’s important to make time to acquire the knowledge you’ll need to pass this exam on your first attempt. Completing apre-license education coursewill equip you with the necessary information and tools you’ll need to prepare for your exam.

California requires 40 hours of pre-license education for both property and casualty insurance license applicants. You also must complete 12 hours of ethics and California Insurance Code to satisfy the state’s 52-hour pre-licensing education requirement.

Once you complete your pre-license courses, you’ll receive a certificate valid for three years. Keep your copy of that certificate for three years until it expires.

A pre-license education course provides very specific industry knowledge that insurance professionals will encounter during the exam. There are very few questions on this test that you can answer with “common sense” information.

You can complete insurance licensing courses on your own schedule and at your own pace when you choose online courses. Taking a pre-license education course will also give you a solid understanding of your duties as a P&C insurance agent.

Step 2: Get a Fingerprint-Based Background Check

After you complete the required pre-license education, you must get afingerprint-based background checkfromAccurate Biometrics(CDI’s contracted fingerprint vendor).

The $59 fee for fingerprinting services covers the $17 FBI processing fee, the $32 California Department of Justice processing fee, and the $10 CDI contractor rolling fee.

You also have the option to provide your fingerprints at aPSI Exams test center.The total processing fee for PSI’s fingerprint impressions is $68.95, which includes the $17 FBI processing fee, the $32 California Department of Justice processing fee, and a $19.95 CDI contractor rolling feecharged at PSI’s test centers.

To properly get a fingerprint-based background check, you must pay the applicable fees and do the following:

1. Fill out and print theRequest for Live Scan Service (Form BCIA 8016)and theResident Licensing Applicant Instructions (Form LIC 442-39A).
2. Take your completed forms to anauthorized live scan fingerprinting location.
3. Complete your fingerprint impressions.

Keep a copy of your completedRequest for Live Scan Service (Form BCIA 8016)for your records. Give the original to the live scan service vendor, which will provide you with the Automated Transaction Identifier (ATI) number assigned to your fingerprint impressions. If your fingerprint impressions are rejected, the ATI number will allow for you to retake your fingerprint impressions at no charge.

Step 3: Take the California Licensing Exam

After you complete your pre-license education and fingerprinting appointment, it’s time to take theCaliforniaP&C license exam.

California usesPSI Examsas its official testing service for delivering licensure exams. First, you mustschedule an appointmentto take the P&C insurance license exam. PSI Exams now provides license applicants with the option to take a remote, online, proctored license exam for all insurance licenses.

TheCalifornia P&C insurance exam:

• Includes a total of150 scored questionsthat cover two sections: general and state-specific knowledge. The general section deals with basic property and casualty insurance product knowledge. The state-specific section covers P&C insurance concepts and terms, rules, regulations, and practices specific to California.
• Gives you 196 minutes to complete the test. The exam is a proctored test, meaning an official proctor will closely monitor you in a controlled environment.
• Costs $88, a fee you must pay at the time of reservation by credit card, debit card, or voucher.

Passing the California P&C license exam can prove challenging, but taking anexam prep courseand following a good study program can help prepare you to pass on your first attempt.

If you happen to fail the California P&C insurance exam, you may reschedule a time to retake it as soon as 24 hours after your first attempt. Failing 10 times can get you barred from taking the licensure examination for a 12-month period from the date of your last failed exam.

Step 4: Complete a California License Application

Once you complete a fingerprint-based background check and pass the P&C insurance exam, you can apply for your P&C insurance license.

In California, you must apply online viaSirconor theNIPR.The application fee is $188. There’s no service fee if you apply via Sircon. If you apply via the NIPR, you must pay a $5.60 transaction fee.

The CDI will issue a P&C insurance license to individuals who are at least 18 years old and have passed the proper licensing exam. You should submit your completed license application within 12 months of passing the exam.

To apply for a P&C insurance license in California, make sure you comply with the insurance licensing requirements as defined under theCalifornia Insurance Code.

If you have any questions or need to forward supporting documents related to your license application, submit them via the CDI’s onlineContact Form.

Step 5: Watch for Your Application Results

After you complete the previous four steps, the CDI will review your application and background check.This process usually takes two to three weeksfrom the date you submit your application.

You can print your license from theSirconorNIPRwebsites. The NIPR charges a $5.60 fee to print a license. You also can check the status of your license application by visiting the CDI’sCheck License Application Status Service (CLASS)page.

Congratulations!

You’re now ready to get started as a P&C insurance agent in California.

Next Steps After Securing Your California Property and Casualty Insurance License

Once you complete the above steps and have your California P&C insurance license, here’s what you should pursue next.

Get a Job in the Insurance Field

Once you hold a P&C license, you can consider several different insurance-related careers. The P&C license gives you authorization within your state to sell P&C insurance policies and related products that’ll provide financial protection to your clients against loss or damage.

You can find P&C insurance job postings on ourInsurance Jobs Board.

When applying for an insurance-related job, potential employers will request your license number and National Producer Number (NPN). You can request a letter of certification, which proves you have a P&C license in California, by visiting theSirconwebsite. You’ll need to submit this letter along with your job applications.

Complete Continuing Education and Renew Your License

In California, you must take 24 hours ofcontinuing education(CE) courses every two years to renew your P&C license. TheCalifornia CE requirementsstate that three of those 24 hours must focus on ethics training. This ethics requirement changed fromfour hours to only three hours.

If you have a non-resident license that meets the requirements in your home state, you don’t need to take CE courses in California.

The CDI will email you arenewal noticeapproximately 90 days before your license expires. You can also choose tocheck your license statusonline to review your license expiration date and CE credits. After reviewing your license status, you can visit Sircon’sRenewal and Reinstatementor theNIPR’s Resident Renewalpage.The renewal fee is $188.

For more detailed information, check out how to renew your license with ourCalifornia insurance license renewalguide.

California Department of Insurance Contact Information

Mailing Address:
Producer Licensing Bureau
320 Capitol Mall
Sacramento, CA 95814

Phone:(800) 967-9331

Email:Use the CDI’s onlineContact Form

Website:http://www.insurance.ca.gov/

License Search:California License Status Inquiry