Key Takeaways
- New York requires 40 hours of pre-license education for Property & Casualty insurance
- The New York P&C exam requires 70% to pass and is administered by Prometric
- New York requires fingerprinting and a background check for all license applicants
- License fees are $40 for the exam plus $50 for the license application
- Licenses are valid for 2 years and expire on the licensee's birth month
New York P&C Producer Licensing Requirements
New York has specific requirements for obtaining a Property & Casualty insurance producer license.
Pre-License Education Requirements
Education Requirements
| License Type | Pre-License Hours |
|---|---|
| Property Only | 20 hours |
| Casualty Only | 20 hours |
| Property & Casualty Combined | 40 hours |
| Personal Lines | 40 hours |
Key Points:
- Must be completed at DFS-approved schools
- Course completion certificate is valid for 12 months
- Online and classroom options available
- Must pass school exam at end of course
Note: The 40 hours for P&C covers both property and casualty topics. Some approved courses include ethics training.
Examination Requirements
The New York Property & Casualty examination:
| Exam Detail | Requirement |
|---|---|
| Passing Score | 70% |
| Testing Provider | Prometric |
| Exam Fee | $40 |
| Retake Policy | Wait 24 hours, pay new fee |
| Time Limit | Varies by exam type |
Exam Options
- Property Only - Separate property exam
- Casualty Only - Separate casualty exam
- Combined P&C - Tests both property and casualty knowledge
- Personal Lines - Auto and homeowners focus
Exam Tip: New York requires 70% to pass, which is the standard for most states. Make sure you study both national concepts and New York-specific laws.
Examination Process
- Complete pre-license education at approved school (40 hours for P&C)
- Schedule exam with Prometric online at prometric.com or call
- Take exam at Prometric testing center
- Bring valid ID with photo and signature (driver's license, passport)
- Receive results immediately after exam
Background Check Requirements
New York requires fingerprinting for all insurance license applicants:
Fingerprint Process
- Required: For all new applicants
- Vendor: Various approved vendors (IdentoGO, etc.)
- Cost: Approximately $100-125
- Results: Submitted electronically to DFS
Disqualifying Factors
DFS considers criminal history when evaluating license applications:
- Felony convictions
- Crimes involving fraud, dishonesty, or breach of trust
- Crimes substantially related to insurance activities
- Failure to disclose required information
License Application
After passing the exam:
| Item | Details |
|---|---|
| Application Fee | $50 |
| Application Method | Online through NIPR or DFS |
| Processing Time | 2-4 weeks typically |
| License Term | 2 years |
| Expiration | Licensee's birth month |
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 |
Agent vs. Broker
New York distinguishes between agents and brokers:
- Agent: Represents one or more insurers, appointed by company
- Broker: Represents the client, must be licensed separately
- Consultant: Provides advice for a fee, licensed separately
What is the passing score for the New York Property & Casualty insurance exam?
How many hours of pre-license education does New York require for a combined P&C license?