Colorado Property & Casualty Insurance License Exam Overview
The Colorado Property & Casualty Insurance License Exam is administered by Prometric on behalf of the Colorado Division of Insurance (DOI). Colorado is one of the fastest-growing states, with Denver serving as a major economic hub and unique climate risks creating specialized insurance needs.
Passing this exam qualifies you to sell property insurance, auto insurance, liability coverage, and related products throughout Colorado—a state with nearly 6 million residents, high hail exposure, and growing wildfire risks that create significant P&C insurance demand.
Exam Format at a Glance
| Component | Details |
|---|---|
| Total Questions | 150 multiple-choice |
| Scored Questions | 150 |
| Time Limit | 2 hours |
| Passing Score | 70% (105 correct answers) |
| Testing Vendor | Prometric |
| Exam Fee | $54 |
| Pre-licensing Education | 50 hours required |
Why Get P&C Licensed in Colorado?
- Fast-growing market — Nearly 6 million and rapidly expanding
- Denver metro boom — Major corporate relocations
- Unique risks — Hail and wildfire create specialized needs
- Higher pre-licensing — 50 hours gives competitive edge
- Competitive compensation — Average P&C agent salary over $65,000
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Key Topics Covered on the Exam
1. Property Insurance (30%)
Homeowners Insurance:
- HO-2, HO-3, HO-4, HO-5, HO-6, HO-8 policy forms
- Coverage A (Dwelling), B (Other Structures), C (Personal Property)
- Coverage D (Loss of Use), E (Personal Liability)
- Dwelling fire policies
Colorado-Specific Property Topics:
- Colorado FAIR Plan (residual market)
- Hail damage coverage (major CO exposure)
- Wildfire coverage (mountain communities)
- Snow load and ice dam coverage
- Ordinance or law coverage
Commercial Property:
- Building and personal property coverage forms
- Business income coverage
- Equipment breakdown
- Inland marine coverage
2. Liability Insurance (30%)
Personal Liability:
- Homeowners liability (Coverage E)
- Personal umbrella policies
- Medical payments coverage
Commercial Liability:
- Commercial General Liability (CGL)
- Products and completed operations
- Professional liability (E&O)
- Workers' compensation requirements
Colorado Workers' Compensation:
- Required for most employers
- Pinnacol Assurance (largest carrier)
- Competitive state (private market)
- Self-insurance options
3. Auto Insurance (25%)
Colorado Auto Insurance Requirements:
| Coverage | Minimum Limit |
|---|---|
| Bodily Injury (per person) | $25,000 |
| Bodily Injury (per accident) | $50,000 |
| Property Damage | $15,000 |
Additional Auto Topics:
- Personal Auto Policy (PAP) coverage parts
- Colorado financial responsibility law
- Uninsured motorist coverage (required)
- Underinsured motorist coverage
- SR-22 requirements
- Commercial auto insurance
4. Colorado Insurance Code and Regulations (10%)
Title 10 C.R.S. Key Provisions:
- Producer licensing requirements
- Unfair trade practices
- Unfair claims settlement practices
- Policy cancellation and nonrenewal rules
- Advertising guidelines
Licensing Requirements:
- Pre-licensing education: 50 hours (higher than most states)
- Continuing education: 24 hours every 2 years
- Ethics requirement: 3 hours included in CE
- Background check and fingerprinting required
5. Ethics and Professional Conduct (5%)
- Fiduciary duties to insureds
- Premium handling requirements
- Claims reporting obligations
- Privacy and confidentiality
Study Timeline for Success
| Week | Focus Area | Hours |
|---|---|---|
| Week 1-2 | Property insurance fundamentals | 12-14 |
| Week 2-3 | Liability insurance | 12-14 |
| Week 3-4 | Auto insurance and CO requirements | 12-14 |
| Week 4-5 | Colorado regulations (Title 10) | 8-10 |
| Week 5-6 | Practice exams and review | 12-14 |
Total recommended study time: 60-70 hours
🎯 Free Practice Questions Available
Test your knowledge with hundreds of free practice questions designed specifically for the Colorado P&C exam.
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Colorado-Specific Exam Tips
1. Know Colorado Auto Minimums
Colorado requires 25/50/15 liability coverage:
- $25,000 per person bodily injury
- $50,000 per accident bodily injury
- $15,000 property damage
2. Master Hail Coverage
Colorado is the hail capital of the US:
- Front Range — Most hail claims in nation
- Roof damage — Primary claim type
- Higher deductibles — Common for hail
- Replacement cost vs. ACV — Critical coverage decision
3. Understand Wildfire Coverage
Colorado's growing wildfire risk:
- Mountain communities most vulnerable
- Brush clearing requirements
- Wildfire mitigation discounts
- Evacuation coverage considerations
4. Key Numbers to Remember
| Topic | Colorado Requirement |
|---|---|
| Auto minimums | 25/50/15 |
| WC threshold | Most employers |
| Pre-licensing | 50 hours |
| CE requirement | 24 hours/2 years |
| Passing score | 70% |
Common Mistakes to Avoid
- Underestimating pre-licensing — Colorado requires 50 hours (higher than most)
- Skipping hail coverage — Primary CO property risk
- Ignoring wildfire — Growing concern across CO
- Not knowing auto minimums — Colorado is 25/50/15
- Not practicing timed exams — 2 hours for 150 questions
- Cramming last minute — Spread study over 5-6 weeks
After Passing Your Exam
- Apply for license through Colorado DOI online portal
- Complete fingerprinting — Required for all applicants
- Pay license fee — $50 for 2-year resident license
- Affiliate with insurer — Get appointed by carrier
- Maintain CE compliance — 24 hours every 2 years
- Begin selling — Your license is valid for 2 years
2026 Colorado Updates
For 2026, be aware of:
- Hail coverage rate changes
- Wildfire coverage updates
- Auto insurance rate adjustments
- Enhanced consumer protection regulations
Start Your Colorado P&C Insurance Career Today
The Colorado P&C license opens doors to one of the nation's fastest-growing insurance markets. With proper preparation, you can pass the exam on your first attempt.
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Our free study materials include:
- ✅ Complete topic coverage
- ✅ Practice questions with explanations
- ✅ Colorado-specific regulations (Title 10 C.R.S.)
- ✅ Study guides and summaries
- ✅ AI-powered study assistance
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