North Dakota Property & Casualty Exam Overview

Welcome to OpenExamPrep's FREE North Dakota Property & Casualty Insurance exam prep guide. This comprehensive resource covers North Dakota-specific regulations, licensing requirements, and state insurance laws you need to know to pass your exam and begin your career as a licensed P&C producer in the Peace Garden State.

About the North Dakota P&C Exam

The North Dakota Property & Casualty insurance examination is administered by PSI Services on behalf of the North Dakota Insurance Department (NDID). The exam tests your knowledge of:

• North Dakota insurance law and regulations (NDCC Title 26.1)
• Property insurance principles and coverages
• Casualty insurance including auto and liability
• Policy provisions and endorsements
• Ethics and professional conduct
• Claims handling and consumer protection
• State-specific requirements for hail, tornado, and agricultural exposures

Exam Structure

Important: North Dakota requires you to pass both the Property and Casualty exams separately with a 75% score. This passing score is higher than many other states.

Pre-Licensing Education Recommendations

North Dakota does NOT require pre-licensing education before taking the P&C exam. However, completing an approved course is highly recommended to improve your chances of passing.

Recommended Education

Recommended Study Topics

1. Property Insurance

   • Homeowners insurance forms and coverages
   • Commercial property coverage
   • Inland marine and transportation
   • Fire and allied lines
   • Hail and windstorm coverage (critical for ND)

2. Casualty Insurance

   • Auto insurance requirements
   • General liability
   • Workers' compensation (state-run WSI system)
   • Professional liability

3. North Dakota Insurance Law

   • State regulations (NDCC Title 26.1)
   • Consumer protection
   • Licensing requirements
   • Ethical standards

Exam Tip: While North Dakota doesn't require pre-licensing education, the 75% passing score is higher than many states. Most successful candidates spend 40-60 hours on self-study and practice exams.

License Application Process

Step-by-Step Process

1. Prepare for the Exam

   • Complete recommended study course (not required)
   • Study North Dakota insurance laws
   • Take practice exams to assess readiness

2. Register for the Exam

   • Register with PSI Services
   • Pay exam fee ($64 per exam, $128 total for both P&C exams)
   • Schedule exam at testing center or online proctored

3. Pass the Exam

   • Score 75% or higher on each exam
   • Results provided immediately
   • Pass report valid for license application

4. Apply for License

   • Apply through NIPR (National Insurance Producer Registry)
   • Complete background check authorization
   • Pay license fees
   • Receive license upon approval

5. Maintain Your License

   • License valid for 2 years (biennial renewal)
   • Complete continuing education requirements
   • Renew before expiration date

Total Costs

What This Guide Covers

This FREE study guide focuses on North Dakota state-specific content:

Chapter 1: North Dakota P&C Regulation & Licensing

• North Dakota Insurance Department structure and authority
• NDCC Title 26.1 Insurance Code
• Producer licensing requirements and continuing education
• Ethics and professional responsibilities
• Prohibited practices and disciplinary actions

Chapter 2: North Dakota Property Insurance

• Homeowners insurance regulations
• Commercial property coverage
• Hail and tornado coverage considerations (critical for ND)
• Farm and agricultural property insurance
• Claims handling requirements

Chapter 3: North Dakota Auto & Casualty Insurance

• North Dakota auto insurance minimum requirements (25/50/25)
• No-fault vs. tort system (ND is a tort state)
• Mandatory uninsured/underinsured motorist coverage
• Workforce Safety & Insurance (WSI) - state-run workers' comp
• Liability insurance principles

Chapter 4: North Dakota Ethics & Professional Conduct

• Fiduciary duties to clients and insurers
• Disclosure requirements
• Consumer protection laws
• Professional standards
• North Dakota Insurance Guaranty Association

Note: This guide covers ONLY North Dakota state law. You must also study national P&C insurance principles to fully prepare for the exam.

Exam Content Distribution

The North Dakota P&C exam emphasizes:

North Dakota Insurance Department Contact

Important Resources

Testing Center Information

PSI Services

• Website: www.psiexams.com
• Phone: (833) 518-7458
• Online scheduling available 24/7
• Testing centers in Bismarck, Fargo, Grand Forks, and Minot

North Dakota-Specific Considerations

Weather-Related Exposures

North Dakota's climate creates unique insurance needs:

Agricultural Economy

North Dakota is heavily agricultural:

• Farm Insurance - Specialized farm policies common
• Crop Insurance - Federal crop insurance programs
• Equipment Coverage - Farm equipment endorsements
• Livestock - Animal mortality coverage

State-Run Workers' Compensation

North Dakota is one of only four states with a monopolistic state fund for workers' compensation:

• Workforce Safety & Insurance (WSI) administers all workers' comp
• Private insurers cannot write workers' compensation in North Dakota
• Employers must obtain coverage through WSI
• Unique topic for the exam - know this difference from other states

How to Use This Guide

Study Strategy

1. Complete a Preparatory Course (recommended, not required)
2. Read Each Chapter Thoroughly - Focus on North Dakota-specific regulations
3. Test Your Knowledge - Complete all quiz questions
4. Review Key Takeaways - Create flashcards from bullet points
5. Study National P&C Content - Use separate national study materials
6. Take Practice Exams - Aim for 85%+ before scheduling real exam

Recommended Study Timeline

Success Tip: North Dakota requires a 75% passing score—higher than many states. Focus on understanding key concepts rather than memorizing—especially state-specific topics like WSI workers' compensation and agricultural coverage needs.

Next Steps

Ready to begin? Start with Chapter 1: North Dakota P&C Regulation & Licensing to learn about the North Dakota Insurance Department, licensing requirements, and professional responsibilities.

Good luck on your exam!