Connecticut Property & Casualty Insurance License Exam Overview
The Connecticut Property & Casualty Insurance License Exam is administered by Pearson VUE on behalf of the Connecticut Insurance Department. Connecticut is a wealthy New England state with unique coastal exposure, including hurricane and flood risks along Long Island Sound, creating specialized insurance needs.
Passing this exam qualifies you to sell property insurance, auto insurance, liability coverage, and related products throughout Connecticut—a state with approximately 3.6 million residents, significant coastal property values, and high per capita income that creates substantial 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 | Pearson VUE |
| Exam Fee | $105 |
| Pre-licensing Education | 40 hours required |
Why Get P&C Licensed in Connecticut?
- Affluent market — One of the highest per capita incomes in the US
- Coastal exposure — Long Island Sound creates specialized marine needs
- Dense population — 3.6 million in a small geographic area
- High property values — Premium commissions reflect property values
- Competitive compensation — Average P&C agent salary over $70,000
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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
Connecticut-Specific Property Topics:
- Connecticut FAIR Plan (Fair Access to Insurance Requirements)
- Coastal property coverage and exclusions
- Hurricane deductibles (percentage-based)
- Flood insurance requirements (NFIP)
- Nor'easter and winter storm 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
Connecticut Workers' Compensation:
- Required for all employers (even one employee)
- Second-injury fund participation
- Competitive state (private market)
- Self-insurance options available
3. Auto Insurance (25%)
Connecticut Auto Insurance Requirements:
| Coverage | Minimum Limit |
|---|---|
| Bodily Injury (per person) | $25,000 |
| Bodily Injury (per accident) | $50,000 |
| Property Damage | $25,000 |
Additional Auto Topics:
- Personal Auto Policy (PAP) coverage parts
- Connecticut financial responsibility law
- Uninsured motorist coverage (required, same as liability limits)
- Underinsured motorist coverage (required)
- No-fault PIP coverage considerations
- Commercial auto insurance
4. Connecticut Insurance Code and Regulations (10%)
Connecticut General Statutes Key Provisions:
- Producer licensing requirements
- Unfair trade practices (Chapter 700)
- Unfair claims settlement practices
- Policy cancellation and nonrenewal rules
- Advertising guidelines
Licensing Requirements:
- Pre-licensing education: 40 hours
- Continuing education: 24 hours every 2 years
- Ethics requirement: 3 hours included in CE
- Background check 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 CT requirements | 12-14 |
| Week 4-5 | Connecticut regulations | 8-10 |
| Week 5-6 | Practice exams and review | 12-14 |
Total recommended study time: 55-65 hours
Free Practice Questions Available
Test your knowledge with hundreds of free practice questions designed specifically for the Connecticut P&C exam.
Connecticut-Specific Exam Tips
1. Know Connecticut Auto Minimums
Connecticut requires 25/50/25 liability coverage:
- $25,000 per person bodily injury
- $50,000 per accident bodily injury
- $25,000 property damage
2. Master Coastal Coverage
Connecticut's Long Island Sound exposure:
- Hurricane deductibles — Percentage-based (1-5% of dwelling value)
- Flood insurance — Required in many coastal zones
- Wind coverage — May have separate deductibles
- FAIR Plan — For hard-to-insure coastal properties
3. Understand Workers' Compensation
Connecticut has strict WC requirements:
- Required for ALL employers (even one employee)
- No exemptions for small businesses
- Second-injury fund provides protection
- Penalties for non-compliance
4. Key Numbers to Remember
| Topic | Connecticut Requirement |
|---|---|
| Auto minimums | 25/50/25 |
| WC threshold | 1 or more employees |
| Pre-licensing | 40 hours |
| CE requirement | 24 hours/2 years |
| Passing score | 70% |
Common Mistakes to Avoid
- Not knowing UM/UIM rules — CT requires both coverages
- Skipping coastal coverage — Critical for CT market
- Ignoring hurricane deductibles — Percentage-based, not flat
- Not knowing auto minimums — Connecticut is 25/50/25
- Underestimating WC rules — Required for 1+ employees
- Cramming last minute — Spread study over 5-6 weeks
After Passing Your Exam
- Apply for license through Connecticut Insurance Department
- Complete background check — Required for all applicants
- Pay license fee — $100 for 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 Connecticut Updates
For 2026, be aware of:
- Coastal property coverage changes
- Hurricane deductible regulations
- Auto insurance rate adjustments
- Enhanced consumer protection rules
Start Your Connecticut P&C Insurance Career Today
The Connecticut P&C license opens doors to one of the nation's most affluent insurance markets. With proper preparation, you can pass the exam on your first attempt.
Our free study materials include:
- Complete topic coverage
- Practice questions with explanations
- Connecticut-specific regulations
- Study guides and summaries
- AI-powered study assistance
Don't pay for expensive prep courses when everything you need is available FREE.