North Dakota P&C Producer Licensing Requirements

Overview of Licensing

A producer license authorizes individuals to sell, solicit, or negotiate insurance in North Dakota. The Property & Casualty license includes two major lines:

Pre-License Education

Requirements

Approved Education Topics

The 20-hour course must cover:

1. Insurance Fundamentals

   • Risk and insurance concepts
   • Insurance contract principles
   • Policy provisions and conditions

2. Property Insurance

   • Dwelling and homeowners coverage
   • Commercial property forms
   • Inland marine and specialized coverage

3. Casualty Insurance

   • Personal auto insurance
   • Commercial auto coverage
   • General liability
   • Professional liability

4. North Dakota Law

   • NDCC Title 26.1 requirements
   • Producer responsibilities
   • Consumer protection

Exam Tip: Complete your pre-licensing education from an approved provider. The certificate is required to register for the exam.

Examination Requirements

Exam Details

Exam Content Areas

Scheduling Your Exam

1. Complete Pre-License Education - Get your certificate
2. Register with PSI - Online at psiexams.com or call
3. Pay Exam Fee - $46
4. Schedule Appointment - Choose date, time, location
5. Receive Confirmation - Keep for your records

Exam Day Requirements

Bring to the exam:

• Two forms of valid identification (one photo ID)
• Pre-license education completion certificate
• PSI registration confirmation

Do NOT bring:

• Cell phones (must be stored in locker)
• Notes or study materials
• Food or drinks

Exam Results

• Immediate Results - Score report printed at testing center
• Pass - Score 70% or higher, proceed to license application
• Fail - May retake after waiting period (usually 24-48 hours)
• Score Report - Shows performance by content area

License Application Process

After Passing the Exam

1. Apply Through NIPR

   • National Insurance Producer Registry
   • Complete online application
   • Provide required information

2. Background Check

   • Criminal history review
   • Authorize fingerprinting if required
   • Disclose any regulatory actions

3. Pay License Fee

   • $50 initial license fee
   • Additional fees may apply

4. Receive License

   • Electronic license issued
   • Verify information accuracy
   • Begin selling insurance

Application Disclosures

You must disclose:

• Felony convictions
• Misdemeanor convictions (insurance-related)
• License denials, suspensions, revocations in any state
• Regulatory actions or sanctions
• Civil judgments related to insurance

Important: Failure to disclose required information is grounds for license denial or revocation.

License Types

Resident vs. Non-Resident

Non-Resident Application

Non-residents must:

• Hold active license in home state
• Apply through NIPR
• Pay non-resident fee
• Maintain home state license in good standing

Continuing Education Requirements

CE Requirements for Renewal

CE Credit Categories

• Ethics (3 hours required)
• General P&C topics
• North Dakota law updates
• Industry developments
• Specialty topics (flood, agricultural, etc.)

Exemptions from CE

• First renewal period (grace period for new licensees)
• Certain professional designations (CPCU, CIC, etc.) may provide credit
• Military deployment extensions available

License Renewal

Renewal Process

Renewal Timeline

• Biennial Renewal - Every 2 years
• Expiration Date - Based on original license date
• Grace Period - Limited grace period may apply
• Late Renewal - Additional fees and CE may be required

Lapsed License Reinstatement

If license lapses:

• May be reinstated within 12 months
• Must pay late fees
• Must complete any outstanding CE
• After 12 months, must re-apply and re-exam

Lines of Authority

P&C Sub-Lines

The P&C license may include these sub-lines:

Adding Lines of Authority

To add lines:

• Complete additional pre-license education (if required)
• Pass additional examination
• Apply through NIPR
• Pay applicable fees

Exam Tip: Know the CE requirements (24 hours every 2 years including 3 ethics hours) and the license renewal process. These are commonly tested topics.