How to Get a Property and Casualty Insurance License in
The Keystone State
If you want to sell auto, homeowners, renters, commercial property, commercial liability, workers compensation, businessowners policies, or related insurance products in the Keystone State, you will likely need a Pennsylvania property and casualty insurance license.
Pennsylvania’s licensing process is more flexible than it used to be. As of April 29, 2025, Pennsylvania no longer requires insurance producer candidates to complete prelicensing education before taking the licensing exam. That requirement was removed under Act 142 of 2024. Candidates still need to pass the required insurance exam, apply for licensure, and complete any required fingerprinting and background check steps.
That means you are not required to sit through a state-mandated prelicensing course before the exam.
But the exam did not disappear.
The Pennsylvania P&C exam still tests broad property and casualty concepts, state insurance rules, producer responsibilities, policy forms, coverage terms, exclusions, limits, and application-style questions. Without a required course pushing you through the material, your study system matters even more.
TESTivity’s Pennsylvania P&C study tools are built for Pennsylvania candidates preparing for the PSI exam, not for some generic national test floating around in licensing outer space.
For the broader licensing overview, see Insurance Licensing in Pennsylvania: Complete Guide to License Types and Requirements. If you are pursuing life or health authority instead, see How to Get a Life and Health Insurance License in Pennsylvania. For deeper exam strategy, see How to Pass the Insurance Licensing Exam in Pennsylvania.
Pennsylvania Property and Casualty Insurance License Quick Facts
| Item | Pennsylvania P&C Details |
|---|---|
| Licensing authority | Pennsylvania Insurance Department |
| Testing vendor | PSI |
| Prelicensing education | Not required as of April 29, 2025 |
| Exam format | Multiple choice |
| Application portals | Sircon or NIPR |
| Resident individual producer application fee | $55 |
| Nonresident individual producer application fee | $110 |
| Fingerprinting | Required for new resident producer applicants |
| Fingerprint vendor | IdentoGO |
| Fingerprint service code | 1KGBGJ |
| Exam score validity | 12 months |
| CE requirement | 24 hours every two-year cycle |
| Ethics CE | 3 hours required |
| Flood CE | 2 hours for property, casualty, or personal lines authority |
Pennsylvania directs candidates to schedule the required exam through PSI. After passing, candidates may apply online through Sircon or NIPR. The Pennsylvania Insurance Department lists the resident individual producer application fee as $55 and the nonresident individual producer application fee as $110.
What Can You Sell With a Pennsylvania Property and Casualty License?
A Pennsylvania P&C license is generally used by insurance producers who want to work with property and casualty insurance products.
Depending on the authority granted and the products offered by the agency or carrier, this may include:
- Personal auto insurance
- Homeowners insurance
- Renters insurance
- Condo insurance
- Personal umbrella coverage
- Commercial property insurance
- Commercial general liability insurance
- Commercial auto insurance
- Businessowners policies
- Workers compensation insurance
- Inland marine coverage
- Crime coverage
- Other personal and commercial P&C products
In simple terms, property insurance is generally concerned with damage to or loss of property. Casualty insurance is generally concerned with legal liability for injury or damage to others.
On the exam, though, it will not feel that tidy. The questions may ask about coverage forms, exclusions, endorsements, limits, claims scenarios, policy conditions, cancellation rules, producer duties, and Pennsylvania-specific regulations. This is where a lot of candidates discover that “I know what auto insurance is” and “I can pass a state licensing exam on auto insurance” are two very different animals.
Do You Need Prelicensing Education for a Pennsylvania P&C License?
No. Pennsylvania no longer requires prelicensing education for insurance producer candidates.
Sircon’s Pennsylvania producer portal states that, effective April 29, 2025, the prelicensing education requirement was removed under Act 142 of 2024. Candidates are no longer required to complete prelicensing education before sitting for the insurance exam.
This is important because older websites, older study guides, and outdated licensing pages may still say that Pennsylvania requires prelicensing education.
The current rule is different.
However, this does not mean Pennsylvania P&C candidates should skip structured study. It means you now have more control over how you prepare. That is good news if you choose smart, Pennsylvania-specific tools. It is bad news if you treat the exam like a casual vocabulary quiz and wander into PSI with a lucky pencil and no plan.
5 Steps to Get a Pennsylvania Property and Casualty Insurance License
Step 1: Confirm That P&C Is the License Path You Need
Before you start studying, make sure property and casualty authority matches the insurance products you plan to sell.
The P&C path is usually the right fit if you want to sell insurance related to vehicles, homes, businesses, liability, commercial property, workers compensation, or personal lines insurance.
If you are still comparing license types, start with Insurance Licensing in Pennsylvania: Complete Guide to License Types and Requirements.
Step 2: Study for the Pennsylvania PSI P&C Exam
Pennsylvania uses PSI as its insurance testing vendor. The Pennsylvania Insurance Department directs candidates to register for and complete the appropriate insurance examination through PSI, either through the PSI site or by calling 1-888-818-5822.
This is where Pennsylvania candidates need to be careful.
A property and casualty exam is not just a pile of definitions. It tests how well you understand insurance concepts, policy language, state rules, and real-world scenarios.
You should study topics such as:
- Pennsylvania insurance regulation
- Producer responsibilities
- General insurance concepts
- Property and casualty basics
- Dwelling insurance
- Homeowners insurance
- Personal auto insurance
- Commercial auto insurance
- Commercial general liability
- Commercial property insurance
- Businessowners policies
- Workers compensation
- Crime coverage
- Inland marine and other P&C policies
- Policy conditions, exclusions, endorsements, and limits
TESTivity’s Pennsylvania P&C study tools are designed to help you study this material from multiple angles: reading, practice questions, flashcards, audio, video, mind maps, learning games, AI support, and final review.
That matters because P&C is a wide exam. If your study plan only uses one tool, you may understand a concept when you read it but fail to recognize it when PSI dresses it up in a scenario question.
Why P&C Insurance License Exam Prep Matters in Pennsylvania
Pennsylvania gives candidates flexibility by not requiring mandatory prelicensing hours. But flexibility can become a trap if it leads to scattered studying.
The Pennsylvania insurance exam is a content-heavy multiple-choice exam. You are not just memorizing definitions. You need to recognize policy language, understand how coverages work, identify exclusions and conditions, and apply insurance law to exam-style scenarios.
That is why TESTivity uses a multi-tool study system instead of relying on one flat textbook.
The TESTivity Platinum Study Package includes:
Step 3: Schedule and Pass the Pennsylvania P&C Exam
PSI’s Pennsylvania insurance exam page describes the exam as multiple choice and says candidates can test through online testing or at a local PSI test center when available.
The Pennsylvania Insurance Department also explains that candidates must bring valid identification for the exam. The ID must have a current photo, include your signature, and match the name used to register for the examination.
Do not treat this as a tiny administrative footnote. If your ID does not match your registration, exam day can go sideways before the first question even appears.
Pennsylvania P&C Exam Retakes
If you fail the exam, PSI states that Pennsylvania allows unlimited retakes. Candidates must wait at least 24 hours before scheduling another attempt, and each retake requires paying the full exam fee again.
Unlimited retakes may sound comforting, but every retake costs time, money, and confidence. A better plan is to prepare properly before the first attempt.
Step 4: Apply for Your Pennsylvania Producer License
After passing the exam, you can apply for your producer license.
The Pennsylvania Insurance Department says candidates may submit the license application online through Sircon or NIPR immediately after passing the exam. The listed application fees are:
| Application Type | Fee |
|---|---|
| Individual Insurance Producer, Pennsylvania Resident | $55 |
| Individual Insurance Producer, Non-Pennsylvania Resident | $110 |
| Business Entity Insurance Producer, Pennsylvania Resident | $55 |
| Business Entity Insurance Producer, Non-Pennsylvania Resident | $110 |
These are Pennsylvania’s state application fees and may not include portal transaction fees.
NIPR also notes that Pennsylvania insurance exam scores are valid for 12 months, so do not pass the exam and then let your application sit in the licensing drawer until the clock runs out.
Step 5: Complete Fingerprinting Through IdentoGO
Fingerprinting is required for applicants for a new resident producer license in Pennsylvania. The Pennsylvania Insurance Department says fingerprinting must be completed at an IdentoGO enrollment center and instructs applicants to use Insurance Department service code 1KGBGJ.
The order matters.
Pennsylvania specifically warns candidates not to register for fingerprinting and submit fingerprints until after they have passed any examination requirements and applied for licensure. Fingerprint results received without a matching license application will not be accepted, and the applicant may need to resubmit fingerprints and repay the fee.
The safe sequence is:
- Pass the Pennsylvania P&C exam.
- Apply for the license through Sircon or NIPR.
- Register for fingerprinting through IdentoGO using service code 1KGBGJ.
- Complete fingerprinting.
- Monitor your application status.
- Print your license once issued.
Pennsylvania P&C Exam Details
The Pennsylvania property and casualty exam is designed to test whether you understand the core knowledge needed to work as a licensed P&C insurance producer.
PSI states that Pennsylvania insurance exams are multiple choice and that exam duration varies by license type.
For P&C candidates, the exam may cover topics such as:
Pennsylvania Insurance Regulation
This is one of the most important areas to take seriously. Candidates should understand producer licensing, unfair trade practices, fiduciary responsibilities, penalties, advertising rules, appointments, and state-specific regulatory duties.
Do not treat state law like the parsley on the exam plate. In Pennsylvania, regulation can matter a lot.
General Insurance Concepts
This includes foundational ideas such as risk, hazards, perils, loss, indemnity, insurable interest, subrogation, deductibles, limits, declarations, conditions, exclusions, and endorsements.
Property and Casualty Basics
Candidates should understand the difference between first-party and third-party coverage, direct and indirect loss, liability concepts, negligence, damages, and coverage triggers.
Dwelling and Homeowners Insurance
Expect questions about forms, coverages, property limits, liability coverage, additional living expense, exclusions, endorsements, and how coverage applies to different loss situations.
Personal Auto Insurance
This may include liability coverage, medical payments, uninsured and underinsured motorists, physical damage, exclusions, policy conditions, and Pennsylvania-specific auto concepts.
Commercial Auto Insurance
Commercial auto questions may involve covered autos, symbols, liability, physical damage, hired and non-owned autos, and business-use exposures.
Commercial General Liability
Candidates should know bodily injury, property damage, personal and advertising injury, premises/operations, products/completed operations, exclusions, and limits.
Commercial Property Insurance
This may include building and personal property coverage, causes of loss forms, business income, extra expense, coinsurance, valuation, and policy conditions.
Businessowners Policy
The BOP combines property and liability coverage for eligible small businesses. Candidates should understand who qualifies, what is covered, and what may require separate coverage.
Workers Compensation
Workers compensation questions may test benefits, employer obligations, exclusive remedy, occupational injury and disease, and Pennsylvania-specific rules.
Other Property and Casualty Coverages
This may include crime, inland marine, flood, umbrella, surety bonds, equipment breakdown, and specialty forms.
Why Pennsylvania P&C Candidates Fail
Many Pennsylvania P&C candidates do not fail because they are lazy. They fail because they study the wrong way.
Here are some of the most common traps.
They Think “No Prelicensing Requirement” Means “Easy Exam”
Pennsylvania removed the course requirement. It did not remove the exam. PSI still expects you to understand the material.
They Use Generic National Study Material
Generic material can help with broad insurance concepts, but it may not prepare you for Pennsylvania-specific regulation or the PSI testing style.
That is a problem because the actual exam is not generic. It is a Pennsylvania licensing exam administered through PSI.
They Memorize Definitions Without Practicing Scenarios
Knowing the definition of negligence is helpful. Recognizing negligence in a scenario question under time pressure is a different skill.
The exam may ask you to apply a concept, not simply recite it.
They Avoid Commercial Insurance Topics
Personal lines may feel more familiar because most people know auto and homeowners insurance. But the P&C exam can also test commercial property, commercial liability, businessowners policies, commercial auto, workers compensation, and other business-related coverages.
Skipping commercial topics is like trying to build a bridge and deciding the middle is optional.
They Underestimate Pennsylvania Regulation
State law is not a side quest. Pennsylvania-specific rules, producer responsibilities, and insurance regulations can be heavily tested.
They Do Not Use Timed Practice Exams
You do not just need to know the material. You need to answer questions accurately under exam conditions.
That is why an exam simulator matters.
How to Study for the Pennsylvania P&C Exam
A strong Pennsylvania P&C study plan should use more than one study method.
Reading alone is usually not enough. Practice questions alone are usually not enough. Flashcards alone are usually not enough.
The best plan stacks learning tools together so the material has multiple ways to stick.
1. Start With a Pennsylvania-Specific Study Manual
Begin with a study manual that gives you the structure of the exam content. You need to understand the major topics before you start hammering practice questions.
TESTivity’s Pennsylvania P&C Study Manual is built to help candidates learn the material in an organized way, with Pennsylvania-specific licensing concepts included.
2. Use Flashcards for Recall
Flashcards are perfect for:
- Definitions
- Policy parts
- Coverage forms
- Exclusions
- Endorsements
- State rules
- Producer duties
- Time limits
- P&C vocabulary
TESTivity Pennsylvania Flashcards help you move information from “I recognize that term” to “I can recall that term under pressure.”
3. Add Audio Review
Audio is one of the easiest ways to increase repetition without adding more screen time.
Use audio while driving, exercising, walking, cleaning, or doing errands. It is not a replacement for active studying, but it is a powerful reinforcement layer.
4. Use Video for Difficult Topics
Some P&C topics are easier when someone explains them visually. Video can help with:
- Liability concepts
- Policy structure
- Commercial coverage
- Workers compensation
- Auto coverage
- Property loss valuation
- Coinsurance
- Exclusions and endorsements
5. Use Mind Maps to Connect Coverage Concepts
P&C insurance is full of connected ideas. Mind maps help you see how coverage parts, policy conditions, exclusions, endorsements, and claims scenarios relate to one another.
This can be especially useful for homeowners, auto, commercial property, CGL, and workers compensation.
6. Use Learning Games for Repetition
Learning games help make repetition less stale. They are useful for vocabulary, matching concepts, and quick recall.
The exam is serious, but your study routine does not have to feel like chewing cardboard.
7. Practice With a PSI-Style Exam Simulator
This is one of the most important steps.
The Pennsylvania P&C exam is administered by PSI. TESTivity’s Pennsylvania exam simulator is built to help candidates practice with questions designed to feel representative of the actual testing experience.
Over 20+ years of insurance exam preparation, TESTivity has learned that PSI, Pearson VUE, and Prometric exams do not always feel the same. Question wording, pacing, recurring patterns, and exam style can vary by vendor.
The screen on test day says PSI. Your practice should not feel like it was built for some other testing universe.
8. Use a Final Cheat Sheet Before Test Day
In the final 24 hours, do not try to relearn the entire P&C universe.
Use a cheat sheet to review high-yield rules, common exam traps, major coverage distinctions, state-specific reminders, and key definitions.
Pennsylvania P&C License Fees
Here are the main licensing fees Pennsylvania P&C candidates should know:
| Fee | Amount |
|---|---|
| Resident individual producer application | $55 |
| Nonresident individual producer application | $110 |
| Additional line of authority | $25 |
| Resident renewal | $55 |
| Lapsed license renewal | $165 |
The Pennsylvania Insurance Department lists the resident individual producer application fee as $55 and the nonresident individual producer application fee as $110.
Exam fees, fingerprinting fees, and portal transaction fees may change, so candidates should confirm current amounts directly with PSI, IdentoGO, Sircon, or NIPR when scheduling or applying.
Pennsylvania P&C Fingerprinting and Background Check
Fingerprinting is required for new resident producer applicants in Pennsylvania.
The Pennsylvania Insurance Department uses fingerprinting to receive national criminal history background information from the FBI. Fingerprinting must be completed through IdentoGO using service code 1KGBGJ.
Do not complete fingerprints before the correct point in the process.
Pennsylvania says applicants should not register for fingerprinting or submit fingerprints until after passing any required exam and applying for licensure. Fingerprints received without a matching application will not be accepted.
That means your P&C licensing sequence should be:
- Study.
- Pass the PSI exam.
- Apply through Sircon or NIPR.
- Complete fingerprinting through IdentoGO.
- Print your license after approval.
Pennsylvania P&C License Application Process
Once you pass your Pennsylvania P&C exam, you can apply for your producer license online through Sircon or NIPR.
The Pennsylvania Insurance Department says candidates may apply immediately after passing the exam.
Before submitting your application, make sure:
- Your legal name is accurate.
- Your Social Security number is correct.
- Your address is current.
- You choose the correct line or lines of authority.
- Your exam information matches the license authority you are requesting.
- You follow fingerprinting instructions carefully.
After your license is issued, Pennsylvania says you may print your license online. The Department no longer mails licenses.
Pennsylvania P&C License Renewal and Continuing Education
Pennsylvania insurance producers must complete continuing education to maintain an active license.
The Pennsylvania Insurance Department states that licensed insurance producers must complete a minimum of 24 hours of CE during each two-year licensing cycle.
Under Act 142 of 2024, resident producers must include 3 hours of ethics CE as part of the 24-hour requirement. Resident producers with property and allied lines, casualty and allied lines, and/or personal lines authority must also complete 2 hours of flood CE as part of the 24-hour requirement.
Pennsylvania P&C CE Summary
| Requirement | Details |
|---|---|
| CE cycle | Two years |
| Total CE | 24 hours |
| Ethics CE | 3 hours |
| Flood CE | 2 hours for property, casualty, or personal lines authority |
| Renewal fee | $55 resident renewal |
The flood CE requirement is especially important for P&C and personal lines producers. Do not assume CE is only a generic box to check. Pennsylvania has line-specific requirements that can matter for renewal.
Pennsylvania-Specific P&C Licensing Quirks
Pennsylvania No Longer Requires Prelicensing Education
As of April 29, 2025, Pennsylvania candidates are no longer required to complete prelicensing education before sitting for the insurance exam.
This gives candidates flexibility, but it also removes the built-in structure that a required course used to provide.
PSI Is the Testing Vendor
Pennsylvania insurance exams are scheduled through PSI. PSI’s exam page confirms multiple-choice format and testing options through test centers and online proctoring when available.
Your study tools should reflect the style of the exam you are actually taking.
Fingerprinting Timing Matters
Do not fingerprint too early. Pennsylvania warns that fingerprint results received without a corresponding license application will not be accepted.
Exam Scores Are Valid for 12 Months
NIPR lists Pennsylvania insurance exam scores as valid for 12 months.
P&C Producers Need Flood CE
Pennsylvania resident producers holding property/allied lines, casualty/allied lines, and/or personal lines authority must complete 2 hours of flood CE as part of the 24-hour CE requirement.
Pennsylvania Regulation Should Not Be Ignored
P&C candidates often want to spend all their time on coverage forms. Coverage matters, of course. But state regulation, producer responsibilities, unfair practices, and Pennsylvania-specific rules can be the difference between passing and missing by a handful of questions.
Pennsylvania Property and Casualty Insurance License FAQ
About This Pennsylvania P&C Insurance License Guide
This guide was created by GetTheLicense.org as part of a state-by-state insurance licensing resource library.
Our goal is to help future insurance professionals understand the licensing process, avoid outdated information, and prepare for the exam with confidence. Licensing requirements can change, so candidates should always confirm final details with the Pennsylvania Insurance Department, PSI, Sircon, NIPR, and IdentoGO before applying.
TESTivity has helped insurance exam candidates prepare for more than 20 years with state-specific study tools designed around the way insurance licensing exams actually work. Our Pennsylvania P&C materials are built to help candidates prepare for the Pennsylvania PSI exam, not a generic exam from nowhere-land.
About the author
Matt Williams
Matt Williams has been teaching insurance pre-licensing curriculum for over 20 years and has helped thousands of people pass their exams on their first attempt. Matt holds Life & Health, Property & Casualty, and Adjuster insurance licenses along with the Series 7, 8, 24, 63, and 65 FINRA/NASAA designations, and the CLU, ChFC, and CFP® professional credentials. He is a certified trainer in adult education and the founder of TESTivity.
The TESTivity Platinum Study Package is built around exactly this map: video lessons weighted to the actual exam outline, mind maps that show how coverage types relate to each other, a full-length exam simulator that mirrors the Pennsylvania PSI format, and a pass guarantee. Built by the people who teach the exam — used by the candidates who pass it!
Ready to Start Studying for Your Pennsylvania P&C License?
Pennsylvania no longer requires a prelicensing course, but you still need to pass the exam.
Do not prepare for the Pennsylvania P&C exam with generic material that treats every state and every testing vendor the same. TESTivity’s Pennsylvania-specific study tools are built to help you prepare for the PSI exam with realistic practice questions, targeted review, audio reinforcement, flashcards, video instruction, mind maps, learning games, an AI tutor, and a final test-day cheat sheet.
Start with the TESTivity Platinum Study Package and prepare for the Pennsylvania Property & Casualty exam with a complete study system built for the exam you actually have to pass.
📋 Official Pennsylvania P&C Insurance Licensing Resources
To ensure absolute accuracy when registering for your exam and filing your application, we recommend utilizing these official state materials alongside your TESTivity Platinum Study Package.
Instant PDF Downloads
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Pennsylvania P&C Insurance Candidate Information Booklet (PDF)
Direct mirror hosted by GetTheLicense.org -
Pennsylvania Property and Casualty Insurance Licensing Exam Content Outline (PDF)
Official exam breakdown and topic weighting
Official Portals & Live Verification
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Pennsylvania Insurance Department (PID)
For resident agent regulations and fee schedules -
PSI Pennsylvania P&C Insurance Licensing Exam Page
To schedule your exam, find test centers, or check live updates