A quick start guide on the simple process of P&C Licensing in the Beehive State
If you want to sell auto, homeowners, commercial property, commercial liability, workers compensation, businessowners coverage, or other property and casualty products in Utah, you will likely need a Utah Property and Casualty insurance license.
The good news: Utah does not require prelicensing education before you take the exam. The slightly less cozy news: you still need to pass a 150-question Prometric exam, apply through Sircon or NIPR, complete fingerprinting if this is your first Utah resident insurance license, and get properly appointed or designated before you can transact insurance.
This guide walks you through the Utah Property and Casualty licensing process step by step, including exam details, fees, fingerprinting, renewal rules, and practical Utah-specific tips that many generic licensing guides miss.
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Utah Property and Casualty License Quick Facts
Utah Property and Casualty License Quick Facts
| Requirement | Utah P&C License Information |
|---|---|
| License type | Resident Producer, Property and Casualty |
| Required exam | Producer’s Combined Property and Casualty Exam |
| Exam series | 17-04 |
| Testing vendor | Prometric |
| Exam length | 150 questions |
| Time allowed | 2.5 hours |
| Prelicensing education | Not required by Utah |
| Application method | Electronic application through Sircon or NIPR |
| Fingerprinting | Required for initial resident insurance license applicants |
| Fingerprint provider/location | Prometric test center using live scan |
| Resident producer license fee | $75 according to the Utah Licensing Information Bulletin |
| Exam fee | $44 according to the Utah exam registration form |
| Renewal cycle | Every two years, based on birth month |
| CE requirement | 24 hours per renewal cycle, including 3 hours of ethics |
The Utah Licensing Information Bulletin identifies the Producer’s Combined Property and Casualty Exam as Series 17-04 and lists it as a 150-question exam with a 2.5-hour time limit.
Who Needs a Utah Property and Casualty Insurance License?
A Utah Property and Casualty insurance license is generally for producers who want to sell, solicit, or negotiate property and casualty insurance products.
That may include:
- Personal auto insurance
- Homeowners insurance
- Renters insurance
- Dwelling policies
- Commercial property insurance
- Commercial general liability
- Businessowners policies
- Workers compensation insurance
- Commercial auto
- Umbrella and excess liability
- Surety bonds
- Other specialty property and casualty coverages
Utah issues insurance licenses by line of authority. Each license is valid only for the line shown on the license, so a producer must hold the correct authority for the products they plan to sell.
If you want a broader overview of all Utah license types, visit our:
If you are pursuing Life and Health instead, see:
How to Get a Life and Health Insurance License in Utah
Utah P&C License Requirements
To qualify for a Utah resident producer license, you generally must:
- Be at least 18 years old
- Be a resident of Utah
- Be of good character and competency
- Pass the required licensing examination
- Submit the required electronic license application
- Pay the required licensing fees
- Complete fingerprinting if this is your first resident insurance license
The Utah bulletin states that to qualify for a Utah resident producer license, a candidate must be at least 18, be a Utah resident, be of good character and competency, and pass the required license examination.
After licensing, you also need an appointment with an insurer or a designation with an agency before you can conduct insurance transactions. In other words, the license opens the door, but the appointment lets you walk through it with a briefcase.
Does Utah Require P&C Prelicensing Hours?
No. Utah does not require prelicensing education before you take the Utah Property and Casualty insurance exam.
That is a major difference between Utah and many other states. The Utah Insurance Department does not require candidates to complete a training course before taking an insurance examination. Candidates may use the materials or education they believe will best prepare them.
But do not confuse “not required” with “not important.”
The Utah P&C exam covers insurance regulation, general insurance, property and casualty basics, dwelling policies, homeowners insurance, auto insurance, commercial package policies, businessowners policies, workers compensation, and other coverages. It is a broad exam, and scattered studying can turn into quicksand.
How to Get Your Utah Property and Casualty Insurance License in 5 Steps
Step 1: Confirm That You Need the Property and Casualty Producer License
Start by confirming that the Property and Casualty license matches the work you plan to do.
The Utah P&C license is generally the right path if you plan to sell both personal and commercial property/casualty coverage. This is broader than a Personal Lines license, which is more limited and generally focused on personal auto, homeowners, and similar personal insurance products.
Choose Utah P&C if you want the flexibility to work with:
| Product Area | Examples |
|---|---|
| Personal property and liability | Homeowners, renters, dwelling, personal auto |
| Commercial property | Buildings, business personal property, inland marine |
| Commercial casualty | General liability, commercial auto, umbrella liability |
| Business coverage | Businessowners policies, commercial package policies |
| Workers compensation | Workers compensation and employers liability |
If your career goal is only personal auto and homeowners insurance, you may want to compare the Personal Lines license. If you want the broader lane, Property and Casualty is usually the stronger choice.
Step 2: Prepare for the Utah P&C Exam
Utah does not require you to complete a prelicensing course, but you still need to prepare for the exam content.
The Utah Property and Casualty exam is based on Prometric’s content outline. That outline is not decorative wallpaper. It is the exam blueprint.
The Utah Producer’s Combined Property and Casualty Exam includes the following major areas:
| Utah P&C Exam Topic | Exam Weight |
|---|---|
| Insurance Regulation | 11% |
| General Insurance | 10% |
| Property and Casualty Insurance Basics | 12% |
| Dwelling Policy | 4% |
| Homeowners Policy | 12% |
| Auto Insurance | 13% |
| Commercial Package Policy | 11% |
| Businessowners Policy | 8% |
| Workers Compensation Insurance | 11% |
| Other Coverages and Options | 8% |
The Utah Licensing Information Bulletin lists these exam content weights for Series 17-04.
A smart Utah P&C study plan should spend serious time on Auto, Homeowners, Property and Casualty Basics, Insurance Regulation, Commercial Package Policies, and Workers Compensation. Dwelling is still testable, but it carries a smaller percentage than the big-ticket sections.
For a deeper exam strategy, visit:
How to Pass the Insurance Licensing Exam in Utah
Why Exam Prep Matters in Utah
Utah gives candidates flexibility by not requiring mandatory prelicensing hours. But flexibility can become a trap if it leads to scattered studying.
The Utah 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: Register and Schedule Your Exam with Prometric
Utah insurance exams are administered by Prometric.
Before testing, you must:
- Register for the correct exam using your legal name
- Pay the exam fee
- Schedule your exam appointment
The easiest method is usually online through Prometric’s Utah insurance testing page, although the bulletin also describes phone, fax, and mail registration options.
For Utah Property and Casualty, make sure you select:
Producer’s Combined Property and Casualty Exam, Series 17-04
The Utah bulletin explains that candidates may take Utah insurance exams at a physical Prometric test center or through Prometric’s ProProctor remote testing system.
That flexibility is helpful, but there is a Utah-specific twist: fingerprinting must be completed at a Prometric test center in Utah. So even if you test remotely, you still need to handle fingerprinting separately if this is your initial resident license.
Step 4: Pass the Utah P&C Exam
The Utah P&C exam is computer-based and uses multiple-choice questions.
For the Producer’s Combined Property and Casualty Exam:
| Exam Detail | Utah P&C Exam |
|---|---|
| Exam series | 17-04 |
| Number of questions | 150 |
| Time limit | 2.5 hours |
| Format | Computer-based multiple choice |
| Testing vendor | Prometric |
| Calculator allowed? | No |
You will receive your results after the exam. The score report shows your overall score and grade, including the percentage of questions answered correctly and whether you passed or failed. It also displays section-level percentages so you can identify weak areas if you need to retest.
That section breakdown is useful. If your score report says Workers Compensation and Commercial Package Policies are weak, do not spend the next week rereading Homeowners just because it feels familiar. Let the report point the flashlight.
Step 5: Apply for Your Utah P&C License and Complete Fingerprinting
After you pass the exam, you must apply electronically for your license.
The Utah bulletin states that after passing the examination, candidates must complete and submit the license application electronically through Sircon or NIPR. Sircon or NIPR then electronically forwards the application and fees to the Utah Insurance Department.
Utah also warns that passing the exam does not guarantee the license will be issued. The Department still reviews the application, background questions, fingerprint results, and any required supporting documents.
For initial resident applicants, fingerprinting is required.
The Utah bulletin says fingerprinting must be done at a Prometric test center using live scan technology. The fingerprints are transmitted to the Utah Department of Public Safety, Bureau of Criminal Identification, and the FBI.
A practical Utah tip: the bulletin recommends that you do not pay Prometric’s $6 fingerprint processing fee until after passing the licensing exam, because fingerprints are not taken if you do not pass, and fees are nonrefundable.
Utah P&C Exam Details
The Utah Producer’s Combined Property and Casualty Exam, Series 17-04, is the exam most candidates take when they want the full Property and Casualty producer authority.
| Exam Item | Details |
|---|---|
| Official exam name | Producer’s Combined Property and Casualty Exam |
| Series | 17-04 |
| Questions | 150 |
| Time limit | 2.5 hours |
| Vendor | Prometric |
| Question type | Four-option multiple choice |
| Calculator | Not allowed |
| Score report | Provided after the exam |
The exam includes both general insurance knowledge and Utah-specific insurance regulation. Students should prepare for state laws, producer responsibilities, policy structures, coverage forms, exclusions, conditions, and coverage scenarios.
Utah P&C Exam Content Outline
Here is the high-level outline for the Utah Producer’s Combined Property and Casualty Exam:
1. Insurance Regulation — 11%
This includes licensing, state regulation, and federal regulation.
2. General Insurance — 10%
This includes insurance concepts, insurers, producers and agency rules, and contracts.
3. Property and Casualty Insurance Basics — 12%
This includes principles and concepts, policy structure, common policy provisions, and Utah laws, regulations, and required provisions.
4. Dwelling Policy — 4%
This includes characteristics and purpose, coverage forms, property coverages, exclusions, conditions, endorsements, and personal liability supplements.
5. Homeowners Policy — 12%
This includes coverage forms, definitions, Section I property coverages, Section II liability coverages, perils insured against, exclusions, conditions, and endorsements.
6. Auto Insurance — 13%
This includes Utah auto laws, the personal auto policy, and commercial auto.
7. Commercial Package Policy — 11%
This includes components of a commercial policy, commercial general liability, commercial property, commercial crime, commercial inland marine, equipment breakdown, and farm coverage.
8. Businessowners Policy — 8%
This includes businessowners property, liability, common policy conditions, and selected endorsements.
9. Workers Compensation Insurance — 11%
This includes workers compensation laws, workers compensation and employers liability coverage, premium computations, other sources of coverage, and rating organization provisions.
10. Other Coverages and Options — 8%
This includes umbrella and excess liability, specialty liability, surplus lines, surety bonds, aviation insurance, ocean marine insurance, and other policies.
Utah P&C License Fees
Here are the core fees a Utah resident P&C candidate should expect.
| Fee | Amount |
|---|---|
| Utah P&C exam fee | $44 |
| Resident individual producer license fee | $75 |
| FBI/BCI fingerprint fee | Listed in the fingerprint instructions as $12 FBI plus $20 BCI |
| Prometric fingerprint processing fee | $6 |
| Sircon or NIPR transaction fee | Additional fee may appear at checkout |
The Utah Licensing Information Bulletin lists the individual license fee for producers as $75 and describes the fingerprint fee/payment process for initial resident applicants.
Because application systems and government fees can change, always confirm the final total at checkout before submitting your application.
Fingerprinting and Background Check for Utah P&C Applicants
If you are applying for your first Utah resident insurance license, fingerprinting is required.
For candidates taking an exam, the fingerprinting process generally works like this:
- Pass the Utah P&C exam.
- Complete your license application online through Sircon or NIPR.
- Pay the FBI/BCI fingerprint fee during the online application.
- Print your Sircon or NIPR confirmation page.
- Pay Prometric’s separate fingerprint processing fee.
- Show your passing score report and payment confirmation at the test center.
- Have your fingerprints scanned using live scan technology.
If you leave the test center after passing without getting fingerprinted, you must schedule an appointment to return to a test center. When you return, you must bring your Sircon or NIPR application confirmation page and your passing score report.
This is one of those small Utah process details that can prevent a surprisingly annoying detour.
After You Pass the Utah P&C Exam
After passing the exam and submitting your application, the Utah Insurance Department reviews your application materials.
Your license is not issued automatically just because you passed the exam. The Department may review background disclosures, fingerprints, and supporting documents before approving the license.
Once the license is issued, the Utah Insurance Department no longer prints and mails hard copies of new, renewal, or duplicate licenses. You may print your license yourself through Sircon after it has been issued.
Then comes the final practical step: appointment or designation.
To conduct insurance transactions as a Utah producer, you must be appointed by an authorized insurer or designated by a licensed insurance agency. The Utah bulletin notes that if you are not contracted or affiliated with an insurer or agency, your license may remain active, but you cannot conduct insurance transactions.
Utah P&C License Renewal and Continuing Education
Utah individual insurance licenses generally renew every two years based on the licensee’s birth month.
Resident producers must also complete continuing education before renewal. For most Utah resident producers, the CE requirement is:
| CE Requirement | Utah Rule |
|---|---|
| Total CE hours | 24 hours per renewal cycle |
| Ethics minimum | 3 hours |
| Classroom/classroom-equivalent requirement | 12 hours |
| Insurer-provided course limit | No more than 12 hours |
| Approval requirement | All hours must be Utah-approved |
Do not wait until renewal week to start CE. That strategy has the aroma of cold pizza and panic. Build CE into the renewal cycle early so it does not become a last-minute paperwork goblin.
Utah-Specific P&C Licensing Tips
Utah Does Not Require P&C Prelicensing Education
This is one of the biggest state-specific points. Utah does not require a prelicensing course before the exam. You can choose the study materials you believe will prepare you best.
The P&C Exam Is Broad
Utah’s combined P&C exam is 150 questions and covers personal lines, commercial lines, workers compensation, regulation, and general insurance. Do not prepare as though it is only auto and homeowners.
Auto Insurance Has the Largest Single Weight
Auto Insurance is listed at 13% of the Utah P&C exam outline, making it one of the most important sections. Homeowners, Property and Casualty Basics, Workers Compensation, Commercial Package Policy, Insurance Regulation, and General Insurance are also major areas.
Remote Testing Does Not Solve Fingerprinting
Prometric remote testing may be available, but Utah requires fingerprinting at a Prometric test center in Utah for initial resident applicants. Plan your logistics before exam day.
Wait to Pay the $6 Fingerprint Processing Fee
The Utah bulletin recommends waiting until after you pass the exam to pay Prometric’s fingerprint processing fee because it is nonrefundable and fingerprints will not be taken if you do not pass.
Your Application Must Be Accurate
Utah warns applicants to disclose required criminal, civil, or regulatory matters and to provide supporting documents when required. Inaccurate or untruthful application information may cause denial.
Passing the Exam Is Not the Same as Selling Insurance
You need the license issued, and then you need an insurer appointment or agency designation before conducting insurance transactions.
How to Study for the Utah P&C Exam
The Utah P&C exam rewards organized preparation. It is not enough to skim a few definitions and hope your brain turns into a vending machine on test day.
A strong P&C study plan should include:
- Reading the core insurance concepts
- Learning Utah-specific rules and producer responsibilities
- Practicing with multiple-choice questions
- Reviewing weak areas by topic
- Using flashcards for definitions and policy provisions
- Listening to audio review during downtime
- Taking simulated exams before test day
- Reviewing why wrong answers are wrong
This is where TESTivity can help.
TESTivity’s study system is built for students who need more than a static PDF. The Platinum Study Package includes:
- Study Manual for structured reading
- Audio Course for listen-and-learn review
- Video Course for guided instruction
- Flashcards for recall practice
- Exam Simulator for test-style practice
- Learning Games for reinforcement
- Mind Maps for visual organization
- Test Day Cheat Sheet for final review
- AI Tutor for extra help when concepts get slippery
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Frequently Asked Questions About the Utah Property and Casualty Insurance License
About This Utah P&C Licensing Guide
This Utah Property and Casualty licensing guide was created for future insurance producers who want a clear, practical explanation of the licensing process without digging through state bulletins, testing vendor pages, and application portals on their own.
The information is based on the Utah Insurance Department Licensing Information Bulletin, Prometric exam information, and Utah licensing procedures. Licensing rules, fees, forms, and vendor procedures can change, so always confirm final requirements with the Utah Insurance Department, Prometric, Sircon, or NIPR 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 Utah P&C (17-04) exam, and a pass guarantee. Built by the people who teach the exam — used by the candidates who pass it!
Ready to Get Your Utah P&C Insurance License?
Getting licensed starts with the process. Passing the exam starts with preparation.
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Whether you are preparing for Property and Casualty, Life and Health, or another Utah insurance exam, TESTivity gives you the tools to study with structure instead of guesswork.
Ready to Prepare for the Utah P&C Exam?
Utah does not require a prelicensing course, but the exam still expects you to know a lot: personal lines, commercial lines, workers compensation, insurance regulation, policy provisions, exclusions, and coverage scenarios.
TESTivity helps you study with structure instead of guesswork.
With the Platinum Study Package, you get the Study Manual, Audio Course, Video Course, Flashcards, Exam Simulator, Learning Games, Mind Maps, Test Day Cheat Sheet, and AI Tutor in one complete system.
Put yourself on the fast track to a property and casualty license Utah with the TESTivity Platinum Study Package
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