Start Your New Jersey P&C Insurance Career in the Garden State
If you want to sell auto insurance, homeowners insurance, renters insurance, commercial property, general liability, business insurance, or other property and casualty products in New Jersey, you will generally need a New Jersey property and casualty insurance license.
New Jersey is a prelicensing education state, which means you must complete approved education before taking the licensing exam unless you qualify for a waiver. For Property and Casualty, New Jersey requires 20 hours of Property prelicensing education and 20 hours of Casualty prelicensing education, for a combined 40-hour P&C path. The New Jersey Department of Banking and Insurance lists those hour requirements in its producer licensing FAQ.
For the required New Jersey prelicensing course, we recommend Achievable.me. TESTivity does not currently offer the state-required New Jersey prelicensing education course.
But completing a required course and being truly ready for the PSI licensing exam are two different things.
That is where TESTivity comes in.
TESTivity’s New Jersey P&C study tools are built to help you prepare for the actual New Jersey insurance licensing exam administered by PSI. Our exam simulator, practice questions, study manual, flashcards, audio course, video course, mind maps, learning games, cheat sheet, and AI tutor are designed around the New Jersey/PSI exam experience, not generic “insurance test prep” floating around in the licensing swamp.
Achievable helps you satisfy the course requirement. TESTivity helps you train to pass.
New Jersey Property and Casualty License Quick Facts
| Licensing Item | New Jersey P&C Requirement |
|---|---|
| License type | Property and Casualty insurance producer |
| State regulator | New Jersey Department of Banking and Insurance |
| Testing vendor | PSI Services LLC |
| Prelicensing required? | Yes, unless waived |
| Property prelicensing | 20 hours |
| Casualty prelicensing | 20 hours |
| Combined P&C prelicensing | 40 hours |
| Exam format | Multiple choice |
| Passing score | 70% |
| Exam delivery | PSI test center or online proctored, where available |
| Exam fee | $47 per examination |
| Fingerprinting | Required for resident producer applicants |
| Major-line license fee | $150 for a two-year license |
| New application fee | $20 |
| Paper application fee | Additional $20, if applicable |
| Continuing education | 24 credits every two years, including 3 ethics credits |
The New Jersey Department of Banking and Insurance lists PSI Services LLC as the testing vendor for insurance licensing and CE tracking. It also states that resident individual licensees must complete 24 continuing education credits, including at least 3 ethics credits, every renewal period. PSI’s New Jersey exam page states that the NJDOBI exam is required for people pursuing life, health, property, and casualty licensure in New Jersey.
What Is a New Jersey Property and Casualty Insurance License?
A New Jersey property and casualty insurance license allows you to sell, solicit, or negotiate insurance products that protect people, businesses, vehicles, buildings, personal property, and financial interests from loss.
Property Insurance Usually Covers Things
Property insurance focuses on damage to or loss of property. That may include:
- Homes
- Personal belongings
- Commercial buildings
- Business personal property
- Inland marine exposures
- Equipment
- Crime and theft-related property losses
Casualty Insurance Usually Covers Liability
Casualty insurance focuses heavily on legal responsibility for injury, damage, or loss. That may include:
- Auto liability
- General liability
- Workers’ compensation
- Professional liability
- Commercial casualty risks
- Bonds
- Negligence-based claims
Most New Jersey candidates who enter the personal lines, commercial lines, agency, brokerage, or producer career path pursue both Property and Casualty together because the two lines are so closely connected in real-world sales.
How to Get a New Jersey Property and Casualty Insurance License
Step 1: Confirm That P&C Is the Right License for Your Goal
Before buying a prelicensing course or scheduling an exam, make sure the P&C path fits your career goal.
A New Jersey property and casualty insurance license is usually the right path if you want to sell or service:
- Auto insurance
- Homeowners insurance
- Renters insurance
- Condo insurance
- Personal umbrella insurance
- Commercial property insurance
- General liability insurance
- Businessowners policies
- Commercial auto insurance
- Workers’ compensation
- Inland marine
- Bonds and related casualty products
If your goal is to sell life insurance, health insurance, annuities, Medicare-related products, disability income, or medical expense coverage, review our dedicated page:
How to Get a Life and Health Insurance License in New Jersey
For a broader overview of all New Jersey license types, visit:
Insurance Licensing in New Jersey: Complete Guide to License Types and Requirements
Step 2: Complete New Jersey-Approved P&C Prelicensing Education
New Jersey requires approved prelicensing education for most resident producer applicants seeking major lines of authority. For Property and Casualty, that means:
| Line of Authority | Required Hours |
|---|---|
| Property | 20 hours |
| Casualty | 20 hours |
| Property and Casualty combined | 40 hours |
NJDOBI lists 20 hours for Property, 20 hours for Casualty, and 40 hours for combined Property and Casualty prelicensing education.
For the required New Jersey P&C prelicensing course, we recommend Achievable.me.
TESTivity is not the required New Jersey prelicensing course and should not be presented as a substitute for state-approved education. Instead, TESTivity is the exam-prep layer that helps you turn course completion into exam readiness.
Think of the required prelicensing course as your ticket to the testing line.
TESTivity is how you train for what happens once you sit down at the PSI computer.
Why Exam Prep Matters in New Jersey
New Jersey gives candidates flexibility by not requiring where they get their mandatory prelicensing hours. But flexibility can become a trap if it leads to scattered studying.
The New Jersey P&C 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 Your New Jersey P&C Exam Through PSI
New Jersey insurance licensing exams are administered by PSI Services LLC. PSI’s New Jersey page states that the NJDOBI exam is required for candidates pursuing life, health, property, and casualty licensure in New Jersey.
After you complete your required prelicensing education, you can schedule the appropriate New Jersey insurance exam through PSI.
The New Jersey P&C exam is computer-based and multiple choice. PSI states that candidates need a minimum passing score of 70%.
Depending on availability and PSI rules, you may be able to test:
- At a PSI test center
- Through online proctoring, where available
Why PSI-Specific Practice Matters
New Jersey uses PSI, not Pearson VUE or Prometric. That matters.
Over 20+ years of working with licensing candidates, TESTivity has learned that the recurring question patterns, answer-choice structure, screen experience, and general exam feel can vary from one testing vendor to another. PSI questions do not always feel like Pearson VUE questions. Prometric exams can have their own rhythm too.
The worst thing you can do is study from material that is technically about insurance but not representative of what you will actually see on the screen on exam day.
TESTivity’s New Jersey P&C exam simulator is built to help you practice with that reality in mind.
Step 4: Complete Fingerprinting and Background Check
New Jersey resident producer applicants must complete electronic fingerprinting as part of the licensing process. NJDOBI explains that applications requiring fingerprints cannot be processed until the Department receives the criminal history review results.
New Jersey uses the Live Scan electronic fingerprinting process. NJDOBI’s Live Scan page currently lists the total fingerprint processing cost as $66.05, paid directly to IDEMIA at the time of scheduling.
Do not treat fingerprinting as a tiny administrative pebble. It can become a boulder if you forget it until the end.
A smart order is:
- Complete your prelicensing education
- Schedule/pass the PSI exam
- Complete fingerprinting
- Apply online for the license
If NJDOBI gives different instructions for your specific situation, follow the Department’s instructions.
Step 5: Apply for Your New Jersey Property and Casualty Insurance License
After you complete the required prelicensing education, pass the PSI exam, and complete fingerprinting, you can apply for your New Jersey producer license.
New Jersey offers online application through the National Insurance Producer Registry, commonly known as NIPR. NIPR provides state-specific licensing information and resources for New Jersey producers, adjusters, and other insurance professionals.
NJDOBI generally encourages online application because it is more efficient than paper processing. The Department lists a $150 major-line license fee, a $20 new application fee, and an additional $20 paper processing fee if you use a paper application or renewal.
Before applying, make sure your licensing puzzle pieces are in place:
- Required New Jersey P&C prelicensing education
- Passing PSI exam result
- Fingerprinting/background check
- Correct line of authority selected
- Application submitted through NIPR or paper process
- Applicable state and processing fees paid
New Jersey P&C Exam Details
The New Jersey P&C exam is designed to test whether you understand both national insurance concepts and New Jersey-specific insurance rules.
Topics You Should Expect to Study
A New Jersey Property and Casualty candidate should be ready for topics such as:
Property Insurance Concepts
- Property insurance terms
- Causes of loss
- Direct and indirect loss
- Deductibles
- Valuation
- Coinsurance
- Homeowners policies
- Dwelling policies
- Commercial property
- Inland marine
- Crime coverage
- Businessowners policies
Casualty Insurance Concepts
- Liability
- Negligence
- Legal defenses
- Damages
- Auto insurance
- Commercial general liability
- Workers’ compensation
- Professional liability
- Bonds
- Commercial casualty policies
New Jersey Laws and Regulations
- Producer licensing rules
- Producer responsibilities
- Unfair trade practices
- Marketing and advertising rules
- Claims-related rules
- Policy cancellation and nonrenewal rules
- State-specific auto and property/casualty provisions
This is why generic P&C study material can be dangerous. You do need national property and casualty knowledge, but you also need New Jersey-specific law and PSI-style practice.
The exam does not care whether you “kind of understand” the topic. It cares whether you can identify the best answer under exam pressure.
New Jersey Property and Casualty License Fees
Here are the main costs to expect when pursuing a New Jersey property and casualty insurance license.
| Fee Type | Amount |
|---|---|
| Property exam fee | $47 per examination |
| Casualty exam fee | $47 per examination |
| Fingerprinting/background check | $66.05 |
| Major-line license fee | $150 for a two-year license |
| New application fee | $20 |
| Paper application or renewal processing fee | Additional $20, if applicable |
| Major-line late renewal fee | $100 |
NJDOBI currently lists the exam fee as $47 per examination, the major-line license fee as $150 for a two-year license, and the new application fee as $20. NJDOBI’s Live Scan page currently lists the fingerprinting cost as $66.05.
Fees can change, so always verify current pricing with NJDOBI, PSI, NIPR, and IDEMIA before paying.
Fingerprinting and Background Check for New Jersey P&C Applicants
New Jersey resident producer applicants must complete fingerprinting as part of the background check process. NJDOBI states that applications requiring fingerprints cannot be processed until criminal history results are received.
That means fingerprinting is not optional and should not be pushed to the back of the chore drawer.
Fingerprinting Tips
- Use the state-approved Live Scan/IDEMIA process.
- Schedule fingerprinting early enough to avoid application delays.
- Keep your confirmation or receipt.
- Make sure your identifying information matches your licensing application.
- Follow NJDOBI’s instructions exactly.
If there is a name mismatch, missing record, or processing delay, your application can stall even if you passed the exam.
New Jersey P&C License Application Process
Once you have passed the required exam and completed fingerprinting, you can apply for your New Jersey insurance producer license.
Basic Application Checklist
Before submitting your application, confirm that you have:
- Completed the approved New Jersey prelicensing course
- Passed the appropriate PSI exam
- Completed electronic fingerprinting
- Selected the correct line or lines of authority
- Paid required application and license fees
- Submitted the application through NIPR or the approved paper process
NIPR provides New Jersey licensing resources for producers, renewals, exams, and related state information.
If you are applying through a business entity, agency, trade name, or assumed name, review NJDOBI’s business entity and trade-name rules before filing.
New Jersey P&C License Renewal and Continuing Education
A New Jersey property and casualty insurance license is renewed on a two-year cycle.
Resident individual producers must complete 24 continuing education credits, including at least 3 ethics credits, each renewal period. NJDOBI states that PSI tracks CE credit balances for the Department.
New Jersey P&C CE Quick Facts
| Renewal Item | Requirement |
|---|---|
| Renewal cycle | Two years |
| CE required | 24 credits |
| Ethics required | 3 credits |
| CE tracking vendor | PSI |
| Major-line renewal fee | $150 |
| Late renewal fee | $100 for major lines |
| Flood training | One-time NFIP/flood requirement if selling flood insurance |
NJDOBI states that producers authorized to sell flood insurance must complete a one-time flood insurance/NFIP training requirement, which is included within the 24-hour CE total.
New Jersey P&C Licensing Quirks
New Jersey’s P&C path is straightforward, but it has a few quirks candidates should not miss.
New Jersey Requires Prelicensing Education
Some states allow candidates to go straight to the exam. New Jersey generally does not. Resident P&C candidates must complete approved prelicensing education unless they qualify for a waiver. NJDOBI lists 40 hours for combined Property and Casualty.
The Required Course Is Not the Same as Exam Readiness
This is the big one.
Completing a New Jersey-approved P&C course makes you eligible to test. It does not guarantee you are ready for the PSI exam.
That is why the best study plan has two layers:
- Achievable.me for the required New Jersey prelicensing course
- TESTivity for New Jersey/PSI-specific exam preparation
Skipping the second layer is where many candidates get into trouble. The exam is not simply asking, “Did you read the chapter?” It is asking whether you can apply insurance concepts under pressure.
New Jersey Uses PSI
Because New Jersey uses PSI, your practice should feel like PSI. The wording, answer choices, topic flow, and on-screen testing experience matter.
TESTivity’s New Jersey P&C Exam Simulator is designed to mimic the structure and feel of the licensing exam better than generic practice questions.
Property and Casualty Covers a Lot of Ground
P&C is not one small topic. It is a sprawling little insurance city: homes, cars, businesses, liability, negligence, commercial coverage, workers’ comp, bonds, policy provisions, and New Jersey law all packed into one licensing path.
That is why TESTivity uses multiple learning tools instead of relying on one giant block of text.
New Jersey Law Matters
Candidates sometimes focus almost entirely on national P&C concepts and leave state law for the final lap. That is a mistake. New Jersey-specific insurance rules, producer responsibilities, and regulatory details can make the difference between “almost passed” and “passed.”
Prepare for the New Jersey P&C Exam with TESTivity
New Jersey requires approved prelicensing education. TESTivity does not replace that requirement.
For the required New Jersey P&C prelicensing course, we recommend Achievable.me.
But once you are working through that course, or once you have completed it, you need a serious exam-prep system.
That is where TESTivity shines.
TESTivity’s New Jersey P&C study tools are built from the ground up with New Jersey in mind. They are not the same old generic material being recycled for every state with a different cover page slapped on top. The New Jersey/PSI exam has its own rhythm, and your study system should respect that.
TESTivity New Jersey P&C Study Tools Include:
- New Jersey P&C Study Manual
A structured study guide built to reinforce the concepts you need for the New Jersey P&C exam. - PSI-Style Exam Simulator
Practice with questions designed to feel like the kind of New Jersey/PSI questions you may see on exam day. - Insurance Exam Flashcards
Build fast recall for definitions, policy terms, exclusions, conditions, and state-law concepts. - Audio Course
Reinforce the material while driving, walking, working out, or squeezing study time into your day. - Video Course
Use visual explanations to untangle dense P&C topics like liability, policy structure, property valuation, and commercial coverage. - Mind Maps
See how major P&C concepts connect so you do not study every topic as an isolated island. - Learning Games
Strengthen memory with crosswords, matching, and review activities that make repetition less painful. - Test Day Cheat Sheet
Review high-value concepts before exam day without drowning in 300 pages of notes. - AI Insurance Exam Tutor
Get help reviewing weak topics, confusing answer choices, and concepts that need another explanation. - Pass Readiness Score and Weak Area Review
Track your progress and focus your study time where it matters most.
The goal is not just to passively read insurance material.
The goal is to train your brain to recognize New Jersey P&C concepts, handle PSI-style wording, avoid distractors, and walk into the exam with confidence.
Frequently Asked Questions About the New Jersey Property and Casualty Insurance License
About This New Jersey P&C Insurance License Guide
This guide was created by the TESTivity team to help New Jersey property and casualty insurance candidates understand the licensing process, avoid common mistakes, and prepare for the PSI licensing exam with a smarter study strategy.
TESTivity has spent more than 20 years building licensing exam-prep tools. Our approach is based on a simple idea: people learn best when they study in more than one way. That is why TESTivity combines written study material, exam simulation, flashcards, audio, video, mind maps, learning games, AI tutoring, cheat sheets, and readiness scoring into one exam-prep system.
Licensing rules, fees, vendors, and application requirements can change. Always verify current requirements with the New Jersey Department of Banking and Insurance, PSI, NIPR, and IDEMIA before applying.
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 New Jersey PSI format, and a pass guarantee. Built by the people who teach the exam — used by the candidates who pass it!
Ready to Get Your New Jersey P&C Insurance License?
Getting licensed starts with the process. Passing the exam starts with preparation.
TESTivity helps perspective New Jersey insurance producers study with a complete system built for how people actually learn: reading, watching, listening, practicing, reviewing, and recalling.
Whether you are preparing for Property and Casualty, Life and Health, or another New Jersey insurance exam, TESTivity gives you the tools to study with structure instead of guesswork.
📋 Official New Jersey 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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New Jersey P&C Insurance Exam Licensing Candidate Information Bulletin (PDF)
Direct mirror hosted by GetTheLicense.org -
New Jersey Property Insurance Licensing Exam Content Outline (PDF)
Official exam breakdown and topic weighting -
New Jersey Casualty Insurance Licensing Exam Content Outline (PDF)
Official exam breakdown and topic weighting
Official Portals & Live Verification
-
New Jersey Dept. of Banking and Insurance (DOBI)
For resident agent regulations and fee schedules -
PSI New Jersey P&C Insurance Licensing Exam Page
To schedule your exam, find test centers, or check live updates