Key Takeaways
- New Jersey requires 40 hours of pre-license education for Property & Casualty insurance producers
- The New Jersey P&C exam requires a 70% passing score
- PSI administers New Jersey insurance exams at testing centers statewide
- All applicants must pass a criminal background check
- License fees vary by type; producer licenses are valid for 2 years
Last updated: January 2026
New Jersey P&C Producer Licensing Requirements
New Jersey has specific requirements for obtaining a Property & Casualty insurance producer license.
Pre-License Education Requirements
New Jersey requires 40 hours of pre-license education for P&C producers:
Education Requirements
| License Type | Pre-License Hours |
|---|---|
| Property Only | 40 hours |
| Casualty Only | 40 hours |
| Property & Casualty | 40 hours |
Key Points:
- Course must be completed at DOBI-approved schools
- Course completion certificate required before exam
- Certificate is valid for 180 days (6 months)
- Online and classroom options available
Note: The 40-hour requirement is higher than some neighboring states. Plan accordingly.
Examination Requirements
The New Jersey Property & Casualty examination:
| Exam Detail | Requirement |
|---|---|
| Passing Score | 70% |
| Testing Provider | PSI Services LLC |
| Exam Fee | Varies by exam type |
| Retake Policy | Must wait 24 hours, pay new fee |
| Time Limit | Varies by exam |
Exam Options
- Property Only - Separate exam
- Casualty Only - Separate exam
- Combined P&C - May test together
Exam Tip: New Jersey requires 70% to pass, which is the standard for most states.
Examination Process
- Complete pre-license education at approved school (40 hours)
- Schedule exam with PSI online or by phone
- Bring valid ID with photo (driver's license, passport, military ID)
- Pass exam with 70% or higher
- Receive results immediately after exam
Background Check Requirements
New Jersey requires a criminal background check for all insurance license applicants:
Background Check Process
- Fingerprinting: May be required
- Background Investigation: Conducted by DOBI
- Disclosure: Must disclose criminal history on application
- Review: DOBI reviews all criminal matters
Disqualifying Factors
DOBI considers criminal history when evaluating license applications:
- Crimes involving fraud, dishonesty, or breach of trust
- Felonies substantially related to insurance activities
- Recent convictions (time elapsed matters)
- Pattern of criminal behavior
- Failure to disclose (can be automatic denial)
License Types
| License Type | What You Can Sell |
|---|---|
| Property Only | Fire, homeowners, commercial property |
| Casualty Only | Liability, auto, workers' comp |
| Property & Casualty | All property and casualty products |
| Personal Lines | Auto and homeowners only |
| Surplus Lines | Non-admitted insurer products |
Producer License Categories
- Resident Producer: Lives in New Jersey
- Non-Resident Producer: Licensed in home state, reciprocity applies
- Business Entity: Agency or brokerage license
Application Process
- Complete pre-license education (40 hours)
- Pass state examination (70%)
- Submit license application online
- Pay applicable fees
- Complete background check
- Receive license (typically 2-4 weeks if no issues)
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