Delaware Property & Casualty Insurance License Exam Overview
The Delaware Property & Casualty Insurance License Exam is administered by Prometric on behalf of the Delaware Department of Insurance. Delaware, known as the "First State," has a business-friendly environment with numerous corporations headquartered there, plus coastal exposure along the Atlantic that creates specialized insurance needs.
Passing this exam qualifies you to sell property insurance, auto insurance, liability coverage, and related products throughout Delaware—a state with approximately 1 million residents, significant corporate headquarters, and Atlantic coastal properties that create substantial P&C insurance demand.
Exam Format at a Glance
| Component | Details |
|---|---|
| Total Questions | 125 multiple-choice |
| Scored Questions | 125 |
| Time Limit | 2 hours |
| Passing Score | 70% (88 correct answers) |
| Testing Vendor | Prometric |
| Exam Fee | $59 |
| Pre-licensing Education | 40 hours required |
Why Get P&C Licensed in Delaware?
- Corporate capital — More than half of Fortune 500 companies incorporated here
- Coastal exposure — Atlantic coast creates marine and flood needs
- Business-friendly — Strong commercial insurance market
- Growing population — Beach communities expanding rapidly
- 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
Delaware-Specific Property Topics:
- Delaware FAIR Plan (residual market)
- Coastal property coverage and exclusions
- Hurricane deductibles (percentage-based)
- Flood insurance requirements (NFIP)
- Beach community coverage considerations
Commercial Property:
- Building and personal property coverage forms
- Business income coverage
- Corporate headquarters coverage
- 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)
- Directors and Officers (D&O) liability
Delaware Workers' Compensation:
- Required for all employers (one or more employees)
- Delaware Compensation Rating Bureau
- Private insurance market
- Self-insurance options available
3. Auto Insurance (25%)
Delaware Auto Insurance Requirements:
| Coverage | Minimum Limit |
|---|---|
| Bodily Injury (per person) | $25,000 |
| Bodily Injury (per accident) | $50,000 |
| Property Damage | $10,000 |
Additional Auto Topics:
- Personal Auto Policy (PAP) coverage parts
- Delaware Financial Responsibility Law
- Uninsured motorist coverage (optional but recommended)
- Underinsured motorist coverage
- PIP coverage ($15,000 minimum required)
- Commercial auto insurance
4. Delaware Insurance Code and Regulations (10%)
Title 18 Delaware Code Key Provisions:
- Producer licensing requirements
- Unfair trade practices
- 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 | 10-12 |
| Week 2-3 | Liability insurance | 10-12 |
| Week 3-4 | Auto insurance and DE requirements | 10-12 |
| Week 4-5 | Delaware regulations (Title 18) | 8-10 |
| Week 5-6 | Practice exams and review | 10-12 |
Total recommended study time: 50-60 hours
Free Practice Questions Available
Test your knowledge with hundreds of free practice questions designed specifically for the Delaware P&C exam.
Delaware-Specific Exam Tips
1. Know Delaware Auto Minimums
Delaware requires 25/50/10 liability coverage:
- $25,000 per person bodily injury
- $50,000 per accident bodily injury
- $10,000 property damage
2. Master Coastal Coverage
Delaware's Atlantic coast exposure:
- Hurricane deductibles — Percentage-based for coastal properties
- Flood insurance — Required in many beach areas
- Wind coverage — May have separate deductibles
- FAIR Plan — For hard-to-insure coastal properties
3. Understand Corporate Market
Delaware's corporate environment:
- More than 50% of Fortune 500 incorporated in DE
- D&O liability coverage important
- Professional liability (E&O) in demand
- Commercial umbrella policies common
4. Key Numbers to Remember
| Topic | Delaware Requirement |
|---|---|
| Auto minimums | 25/50/10 |
| PIP minimum | $15,000 |
| Pre-licensing | 40 hours |
| CE requirement | 24 hours/2 years |
| Passing score | 70% |
Common Mistakes to Avoid
- Not knowing PIP requirements — DE requires $15,000 minimum
- Skipping coastal coverage — Critical for DE beach communities
- Ignoring corporate market — Major opportunity in Delaware
- Not knowing auto minimums — Delaware is 25/50/10
- Underestimating WC rules — Required for 1+ employees
- Cramming last minute — Spread study over 5-6 weeks
After Passing Your Exam
- Apply for license through Delaware Department of Insurance
- Complete background check — Required for all applicants
- Pay license fee — $60 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 Delaware Updates
For 2026, be aware of:
- Coastal property coverage changes
- Hurricane deductible regulations
- Auto insurance rate adjustments
- Corporate liability updates
Start Your Delaware P&C Insurance Career Today
The Delaware P&C license opens doors to a unique market combining corporate headquarters with beach community exposure. With proper preparation, you can pass the exam on your first attempt.
Our free study materials include:
- Complete topic coverage
- Practice questions with explanations
- Delaware-specific regulations (Title 18)
- Study guides and summaries
- AI-powered study assistance
Don't pay for expensive prep courses when everything you need is available FREE.