Ohio Property & Casualty Insurance License Exam Overview
The Ohio Property & Casualty Insurance License Exam is administered by Prometric on behalf of the Ohio Department of Insurance (ODI). Ohio is the seventh-largest state by population, with Cleveland, Columbus, and Cincinnati serving as major economic centers with diverse manufacturing and service industries.
Passing this exam qualifies you to sell property insurance, auto insurance, liability coverage, and related products throughout Ohio—a state with nearly 12 million residents and strong demand for both personal and commercial lines.
Exam Format at a Glance
| Component | Details |
|---|---|
| Total Questions | 150 multiple-choice |
| Scored Questions | 150 |
| Time Limit | 2.5 hours |
| Passing Score | 70% (105 correct answers) |
| Testing Vendor | Prometric |
| Exam Fee | $42 |
| Pre-licensing Education | 40 hours required |
Why Get P&C Licensed in Ohio?
- Major midwest market — Nearly 12 million potential clients
- Manufacturing hub — Strong commercial insurance demand
- Multiple metros — Columbus, Cleveland, Cincinnati opportunities
- State-run workers' comp — Unique BWC system expertise valuable
- Competitive compensation — Average P&C agent salary over $60,000
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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
Ohio-Specific Property Topics:
- Ohio FAIR Plan (residual market)
- Tornado and severe weather coverage
- Basement flooding considerations
- Lake Erie coastal 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 (Ohio BWC)
Ohio Workers' Compensation (BWC):
- State-run monopolistic fund
- Ohio Bureau of Workers' Compensation
- Self-insurance options for large employers
- Rate classification system
3. Auto Insurance (25%)
Ohio 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
- Ohio financial responsibility law
- Uninsured motorist coverage (required)
- Underinsured motorist coverage
- SR-22 requirements
- Commercial auto insurance
4. Ohio Insurance Code and Regulations (10%)
Ohio Revised Code Title 39 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 and BWC | 10-12 |
| Week 3-4 | Auto insurance and Ohio requirements | 10-12 |
| Week 4-5 | Ohio regulations (ORC Title 39) | 6-8 |
| Week 5 | 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 Ohio P&C exam.
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Ohio-Specific Exam Tips
1. Know Ohio Auto Minimums
Ohio requires 25/50/25 liability coverage:
- $25,000 per person bodily injury
- $50,000 per accident bodily injury
- $25,000 property damage
2. Understand Ohio BWC
Ohio's unique state-run workers' compensation system:
- Monopolistic state fund — Most employers must use BWC
- Self-insurance — Available for qualifying large employers
- Rate groups — Based on industry classification
- Safety programs — Discount opportunities
3. Understand the FAIR Plan
Ohio FAIR Plan provides property insurance for:
- High-risk properties unable to get private coverage
- Basic fire and extended coverage
- Essential property protection
4. Key Numbers to Remember
| Topic | Ohio Requirement |
|---|---|
| Auto minimums | 25/50/25 |
| WC requirement | BWC (monopolistic) |
| Pre-licensing | 40 hours |
| CE requirement | 24 hours/2 years |
| Passing score | 70% |
Common Mistakes to Avoid
- Confusing BWC system — Ohio is monopolistic state-fund
- Not knowing auto minimums — Ohio is 25/50/25
- Skipping workers' comp — BWC is heavily tested
- Ignoring tornado coverage — Important for Ohio
- Not practicing timed exams — 2.5 hours for 150 questions
- Cramming last minute — Spread study over 5-6 weeks
After Passing Your Exam
- Apply for license through Ohio Department of Insurance portal
- Complete background check — 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 Ohio Updates
For 2026, be aware of:
- BWC rate changes
- Auto insurance rate updates
- Enhanced consumer protection regulations
- Modified CE requirements
Start Your Ohio P&C Insurance Career Today
The Ohio P&C license opens doors to one of the Midwest's largest 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
- ✅ Ohio-specific regulations (ORC Title 39)
- ✅ Study guides and summaries
- ✅ AI-powered study assistance
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