A consumer-facing credential family for insurance producers who sell, solicit, or negotiate property and casualty coverage. States may issue a combined license or one producer license carrying separate Property and Casualty lines of authority. The jurisdiction-specific State Requirement explains the legal structure.
License details
- License summary
- Consumer-facing Property and Casualty credential family. Colorado grants one Producer license carrying separate Property and Casualty lines of authority.
- Plain-English purpose
- Supports work selling, soliciting, or negotiating property and casualty insurance, subject to each jurisdiction’s lines of authority and product rules.
- What the authority generally permits
- Property coverage addresses direct or consequential loss or damage to property. Casualty coverage addresses legal liability, including injury, death, disability, or damage to property.
- Products / activities generally associated
- Personal and commercial property coverage, homeowners, automobile, commercial liability, workers compensation, bonds, and related coverages within the producer’s granted authorities.
- Issuing authority type
- State insurance regulator
- General eligibility overview
- Eligibility, education, examinations, application requirements, and whether the authorities are combined vary by jurisdiction.
- General prerequisite overview
- Prelicensing education may be required. Colorado permits one combined course but requires qualification for each separate authority.
- General examination overview
- Jurisdictions may use one combined examination or separate Property and Casualty examinations. Colorado requires separate Property (03) and Casualty (04) exams for the combined pathway.
- Resident / nonresident applicability
- Commonly available through distinct resident and qualified nonresident pathways.
- General renewal / maintenance overview
- Maintenance commonly includes biennial renewal or continuation, fees, continuing education, and product-specific training determined by the jurisdiction.
- Consumer terminology / alternate names
- P&C license; property and casualty producer license; general lines property and casualty license; Property and Casualty lines of authority
- Important limitations or distinctions
- This consumer credential does not imply that every state uses one combined legal authority. It does not include surplus lines, title, public-adjuster, bail-bond, or other separately regulated authority unless the jurisdiction expressly grants it.
Source governance
- Primary authoritative source
- https://content.naic.org/sites/default/files/model-law-218.pdf
- Last reviewed / verified date
- 2026-08-19
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Alphabetical options; compensation never determines eligibility or placement. Confirm the exact course and jurisdiction before enrolling. This directory is not exhaustive.
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