About the Minnesota Property & Casualty Insurance Exam

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What is the Minnesota P&C Exam?

The Minnesota Property & Casualty Insurance Exam is a state-administered licensing exam that tests your knowledge of:

• Minnesota insurance laws and regulations
• Minnesota Department of Commerce policies
• State-specific policy provisions and endorsements
• Minnesota consumer protections
• Ethical practices for Minnesota insurance producers

Exam Format

Pre-License Education Requirements

Before you can sit for the Minnesota P&C exam, you must complete:

• 40 hours total of pre-license education
  • 20 hours for Property Line
  • 20 hours for Casualty Line
• Education must be approved by the Minnesota Department of Commerce
• Available in classroom or online formats

Exam Options

You can choose to:

1. Take individual exams for Property OR Casualty (if you only want one line)
2. Take the combined exam covering both Property and Casualty (most common)

After You Pass

Once you pass the exam, you have 3 years to apply for your license before the exam results expire.

License Application Process

1. Pass the exam with 70% or higher
2. Submit fingerprints for criminal background check ($65 fee)
3. Apply online via Sircon
   • Application fee: $60
   • Plus $50 per line of authority
   • Total for both Property & Casualty: $160

Minnesota Department of Commerce

Contact Information:

• Address: 85 7th Place East, Suite 280, St. Paul, MN 55101
• Phone: 651-539-1599
• Website: mn.gov/commerce

How This Study Guide Works

This guide is organized into three main chapters:

1. Chapter 1: Minnesota P&C Insurance Regulation & Licensing - State regulatory structure, licensing requirements, and Department of Commerce authority
2. Chapter 2: Minnesota Property Insurance - State-specific property insurance laws, policy provisions, and consumer protections
3. Chapter 3: Minnesota Casualty Insurance - State-specific casualty insurance laws, auto insurance requirements, and liability regulations

Each section includes:

• Key concepts and definitions
• Minnesota-specific laws and regulations
• Practice quiz questions
• Key takeaways for review

Study Tip: Focus on Minnesota-specific requirements that differ from national standards. These state-specific differences are heavily tested on the exam.