Property Policies
18%of exam
Property Terms + Contracts
22%of exam
ValuationPerils + HazardsPolicy PartsClaims DutiesCoinsurance
Casualty Policies
18%of exam
Casualty Terms + Provisions
22%of exam
Georgia Law
19-22%of exam
Quick Facts
- Exam
- 12-GA-06
- License
- Georgia P&C Agent
- Questions
- 125 scored + 10 pretest
- Time
- 150 minutes
- Pass
- 70%
- Exam fee
- $67
- Prelicense
- 16 hours
- Application
- $120
- Provider
- Pearson VUE
- CE
- 24 hrs / 2 yrs
FAIR Plan vs NFIP
FAIR Plan
- Residual property
- Voluntary market denied
- Basic coverage
NFIP
- Flood peril
- Separate policy
- Federal program
Property access vs flood
Property Form Picker
- Owner-occupied home→HO-3(Open dwelling)
- Renter contents→HO-4(Tenant policy)
- Condo unit owner→HO-6(Walls-in)
- Mobile home→HO-7
- Rental dwelling→DP-3(Open dwelling)
- Basic dwelling→DP-1(Named perils)
- Voluntary market denied→FAIR Plan(Residual)
- Flood peril→NFIP flood(Separate policy)
- Construction project→Builders risk
- Small business package→BOP
Property Forms
- HO-2
- Broad named perils
- HO-3
- Open dwelling
- HO-4
- Renters contents
- HO-5
- Open property
- HO-6
- Condo unit
- HO-7
- Mobile home
- DP-1
- Basic named perils
- DP-2
- Broad named perils
- DP-3
- Open dwelling
- Coverage A
- Dwelling
Property Programs
- FAIR
- Fair Access plan
- GUA
- Underwriting association
- NFIP
- Separate flood policy
- Windstorm
- Outlined property peril
- Earthquake
- Separate endorsement
- Mobile homes
- Special property form
- Farm owners
- Farm package
- Watercraft
- Special coverage
- Inland marine
- Movable property
Commercial Property
- CPP
- Package policy
- BPP
- Building personal property
- Causes Basic
- Named perils
- Causes Broad
- More named perils
- Causes Special
- Open perils
- Business income
- Lost earnings
- Extra expense
- Keep operating
- Equipment breakdown
- Mechanical loss
- Builders risk
- Construction property
- Cyber first-party
- Own cyber loss
Policy DICE
Declarations, insuring, conditions, exclusions
D: who/limitsI: promiseC: dutiesE: no coverage
ACV vs Replacement
ACV
- Depreciation deducted
- Older property lower
- Settlement smaller
Replacement
- New-for-old
- No depreciation
- Repair replace basis
Old value vs new
Property Valuation
- ACV
- Replacement minus depreciation
- RC
- New-for-old
- Market value
- Sale price
- Agreed value
- Set upfront
- Stated value
- Listed maximum
- Salvage value
- Post-loss remainder
- Coinsurance
- Insurance-to-value penalty
- Deductible
- Insured pays first
- Direct loss
- Physical damage
- Indirect loss
- Time element loss
Property vs Casualty
Property
- First-party property
- Own things
- Direct loss
Casualty
- Third-party liability
- Others' injury
- Legal damages
Own stuff vs liability
Policy Contracts
- Declarations
- Who what limits
- Insuring agreement
- Coverage promise
- Conditions
- Duties and rules
- Exclusions
- No coverage
- Definitions
- Policy vocabulary
- Proof of loss
- Sworn claim detail
- Appraisal
- Value dispute process
- Subrogation
- Insurer recovery rights
- Mortgagee rights
- Lender protection
- TRIA
- Terrorism offer
Auto Minimums
GA auto: 25/50/25 plus written UM
25 person50 accident25 propertyUM writing
Casualty Coverage Picker
- Injure others→Auto liability(25/50/25)
- No-insurance driver→UM(Written rejection)
- Low-limits driver→UIM(Gap coverage)
- Employee work injury→Workers comp(3+ employees)
- Premises injury→CGL A(BI/PD)
- Libel advertising→CGL B(PAI)
- Small no-fault injury→CGL C(Med pay)
- Extra liability limits→Umbrella(Above underlying)
- Nonadmitted placement→Surplus lines(Diligent search)
GA Auto
- 25/50/25
- GA minimum liability
- BI person
- $25,000
- BI accident
- $50,000
- PD accident
- $25,000
- At-fault
- Tort system
- UM
- Offer; reject writing
- UIM
- Limits gap
- Med Pay
- Optional first-party
- GAIP
- Assigned auto market
- Defensive driving
- Rate reduction rule
Workers Comp
- Threshold
- 3+ employees
- Part-time
- Regular workers count
- Officer waiver
- Still counts
- Exclusive remedy
- Bars employer suits
- Medical
- First-day care
- TTD
- Two-thirds wage
- Self-insurance
- Board approval
- Assigned risk
- Residual WC market
- Employers liability
- Part Two
Casualty Forms
- BAP
- Business auto policy
- Symbol 1
- Any auto
- MCS-90
- Motor carrier proof
- Crime
- Employee theft
- Fidelity bond
- Employee dishonesty
- Surety bond
- Three-party promise
- Umbrella
- Broader excess
- Excess
- Higher limits only
- E&O
- Professional mistakes
- D&O
- Directors officers
UM vs UIM
UM
- No insurance
- Hit-run driver
- Reject in writing
UIM
- Low limits
- Gap coverage
- Underinsured driver
None vs not enough
CGL + Liability
- CGL A
- BI/PD liability
- CGL B
- Personal advertising injury
- CGL C
- Medical payments
- Premises ops
- Location exposure
- Products-completed
- Finished work
- Occurrence
- Injury date trigger
- Claims-made
- Claim date trigger
- Retro date
- Prior-acts cutoff
- Aggregate
- Policy-period cap
- Supplementary
- Defense payments
Occurrence vs Claims-made
Occurrence
- Loss date
- Later claim okay
- No tail needed
Claims-made
- Claim date
- Retro date matters
- Tail may matter
Loss date vs claim date
CGL A vs B
Coverage A
- Bodily injury
- Property damage
- Occurrence trigger
Coverage B
- Personal injury
- Advertising injury
- Offense trigger
BI/PD vs offenses
Exam Numbers
12-GA-06: 125+10, 150, 70
125 scored10 pretest150 minutes70 percent
OCI vs Pearson
OCI
- Licenses agents
- Enforces Title 33
- Reviews markets
Pearson VUE
- Schedules exams
- Runs test centers
- Reports scores
Regulator vs vendor
License Path Picker
- Need P&C authority→Apply both lines(No separate P/C)
- Prelicense needed→8+8 hours(Last 12 months)
- Exam passed→Apply Sircon($120 license fee)
- Resident applicant→Upload affidavit(GID-276-EN)
- After application→Register Identogo(Fingerprints)
- Represent insurer→Get CA appointment(After licensure)
- Hold CPCU→Request waiver(Exam + education)
- Failed exam→Wait 14 days(Attempts 1-2)
- Third failure→Wait 60 days(Later attempts)
Blueprint Counts
- Property policies
- 22 questions
- Property concepts
- 15 questions
- Property provisions
- 13 questions
- Casualty policies
- 23 questions
- Casualty concepts
- 15 questions
- Casualty provisions
- 12 questions
- GA all-lines law
- 18 questions
- GA P&C law
- 3-4 questions
- GA property law
- 0-1 questions
- GA casualty law
- 3-4 questions
License Steps
Course, exam, apply, affidavit, prints
8+8 coursePearson examSircon appIdentogo prints
Admitted vs Surplus
Admitted
- GA licensed
- OCI regulated
- GIGA backstop
Surplus
- Nonadmitted
- Diligent search
- No GIGA
Standard vs E&S
Compliance Picker
- Claim received→Acknowledge promptly(Investigate fairly)
- Claim amount dispute→Appraisal(Property policy)
- Known flood risk→Separate flood(HO excludes)
- Insurer insolvent→GIGA(Admitted only)
- Premium collected→Trust handling(No commingling)
- Replacement advice→Accurate comparison(Avoid twisting)
- Rate question→OCI review(Rate standards)
- State-law clue→Title 33(Georgia code)
License + Exam
- 12-GA-06
- Combined P&C exam
- Scored
- 125 questions
- Pretest
- 10 unscored
- Limit
- 150 minutes
- Pass
- 70 percent
- Exam fee
- $67
- Prelicense
- 8 property + 8 casualty
- Apply
- Sircon after exam
- Affidavit
- GID-276-EN upload
- Fingerprint
- Identogo after application
- License fee
- $100 + $20
- Retest wait
- 14 then 60 days
GIGA Scope
Admitted P&C insolvency, not surplus
Admitted only$300K capWC statutoryNo sales pitch
Cancellation vs Nonrenewal
Cancellation
- Midterm end
- Limited reasons
- Notice required
Nonrenewal
- Expiration end
- Renewal decision
- Notice required
During vs ending
OCI + CE
- OCI
- State insurance regulator
- Commissioner
- Elected statewide
- Title 33
- Insurance code
- CA appointment
- Required after licensure
- Temporary agent
- Sponsor required
- License term
- Birth-month cycle
- Standard CE
- 24 hours biennial
- Ethics CE
- 3 hours required
- 20+ years
- 20 hours in 2026
- Designations
- 12 hours, 3 ethics
GA P&C Rules
- Rate standards
- Not excessive/inadequate
- Policy forms
- OCI wording review
- Cancellation
- Ends midterm
- Nonrenewal
- Ends at expiration
- Binder
- Temporary insurance
- FAIR Plan
- Property residual market
- GAIP
- Auto assigned risk
- WC assigned risk
- Employer residual market
- Flood Plan
- NFIP coordination
Surplus + GIGA
- Surplus lines
- Nonadmitted market
- SL broker
- P&C license first
- SL bond
- $50,000
- Diligent search
- Admitted unavailable
- Disclosure
- Nonadmitted notice
- GIGA
- Insolvent admitted insurers
- GIGA cap
- $300,000
- WC claims
- Statutory benefits
- Surplus
- No GIGA
- Sales use
- Prohibited
Unfair Practices
- Misrepresentation
- False policy facts
- Defamation
- False harmful statement
- Rebating
- Unauthorized inducement
- Twisting
- Deceptive replacement
- Churning
- Excess replacement
- Coercion
- Forced transaction
- Commingling
- Mixed client funds
- Fiduciary
- Trust-fund duty
- Commissions
- Licensees only
- Controlled business
- Excess self-business
- Unfair claims
- Bad claim handling
- Fraud
- Intentional deception
Common Traps
Prelicense Hours
Current OCI: 16 hours ≠ Stale sources: 40 hours
Combined Lines
Select Property and Casualty ≠ No Property-only license
UM Rejection
Offer UM coverage ≠ Reject only in writing
FAIR vs Flood
FAIR handles residual property ≠ NFIP handles flood
GIGA Scope
Admitted insurers only ≠ Surplus lines excluded
Workers Comp Count
Three employees triggers ≠ Part-time can count
Pearson Retake
Schedule after one day ≠ 14 then 60 days
Occurrence Trigger
Occurrence uses loss date ≠ Claims-made uses claim date
Coverage B
Personal advertising injury ≠ Not bodily injury
CE Ethics
24 hours total ≠ 3 ethics required
Surplus Lines
Nonadmitted market ≠ No guaranty backstop
Policy Parts
Conditions are duties ≠ Exclusions remove coverage
Last Minute
- 1.12-GA-06: combined P&C
- 2.Questions: 125 scored + 10 pretest
- 3.Time 150; pass 70%
- 4.Prelicense: 8 property + 8 casualty
- 5.Apply both P and C
- 6.Affidavit plus Identogo fingerprints
- 7.CE: 24 hours, 3 ethics
- 8.Auto minimums: 25/50/25
- 9.UM rejection needs writing
- 10.WC required at 3+ employees
- 11.FAIR = residual property
- 12.NFIP = flood separate
- 13.GIGA: admitted, $300K cap
- 14.Surplus lines skip GIGA
- 15.Occurrence = loss date
- 16.Claims-made = claim date
- 17.OCI regulates; Pearson tests
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