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Question 1

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Which state agency has primary regulatory authority over property and casualty insurance companies and producers in Ohio?

Ohio Department of Commerce

Ohio Department of Insurance (ODI)

Ohio Bureau of Workers' Compensation

Ohio Attorney General's Office

to track

2026 Statistics

Key Facts: OH P&C Exam

~65-75%

Est. Pass Rate

Varies by admin.

150

Exam Questions

Ohio Department of Insurance

70%

Passing Score

Ohio Department of Insurance

3 hours 30 minutes

Exam Duration

Ohio Department of Insurance

$42

Exam Fee

PSI

The Ohio Property & Casualty insurance exam has 150 questions in 3 hours 30 minutes, requiring 70% to pass. The exam covers national property and casualty content plus Ohio-specific statutes, regulations, and producer law. Fee: $42.

Sample OH P&C Practice Questions

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1Which state agency has primary regulatory authority over property and casualty insurance companies and producers in Ohio?

A.Ohio Department of Commerce

B.Ohio Department of Insurance (ODI)

C.Ohio Bureau of Workers' Compensation

D.Ohio Attorney General's Office

Explanation: The Ohio Department of Insurance (ODI) is the primary regulator of all insurance companies and insurance producers in Ohio, including property and casualty lines. The ODI is headed by the Director of Insurance, who is appointed by the Governor. The Department ensures that insurers operating in Ohio are financially solvent and comply with Ohio insurance laws.

2How is the Ohio Director of Insurance selected?

A.Elected by Ohio voters in a statewide election

B.Appointed by the Governor

C.Appointed by the Ohio General Assembly

D.Selected by the National Association of Insurance Commissioners

Explanation: The Ohio Director of Insurance is appointed by the Governor, unlike some states where the insurance commissioner is elected. The Director serves at the pleasure of the Governor and oversees the Ohio Department of Insurance. This appointment structure is established under the Ohio Revised Code Title 39.

3Under Ohio law, how many hours of pre-license education must a candidate complete before taking the Property & Casualty insurance license exam?

A.20 hours

B.40 hours

C.60 hours

D.80 hours

Explanation: Ohio requires 40 hours of pre-license education for the Property & Casualty insurance license exam. This consists of 20 hours for property insurance and 20 hours for casualty insurance. The education must be completed through an ODI-approved provider before the candidate can sit for the state licensing examination administered by PSI.

4What is the minimum age requirement to apply for an Ohio property and casualty insurance producer license?

A.16 years old

B.18 years old

C.21 years old

D.25 years old

Explanation: Under Ohio Revised Code Section 3905.06, applicants for an Ohio insurance producer license must be at least 18 years old. This is a standard requirement across most states and ensures that licensees are legally adults who can enter into contracts and conduct insurance business.

5How many questions are on the Ohio Property & Casualty insurance producer licensing exam?

A.100 questions

B.120 questions

C.150 questions

D.200 questions

Explanation: The Ohio Property & Casualty insurance producer licensing exam (Exam Number 11-36) consists of 150 questions. The exam is administered by PSI on behalf of the Ohio Department of Insurance. Candidates have 210 minutes to complete the exam and must achieve a minimum passing score of 70%.

6What is the passing score requirement for the Ohio Property & Casualty insurance licensing exam?

A.60%

B.65%

C.70%

D.75%

Explanation: The Ohio Property & Casualty insurance licensing exam requires a minimum passing score of 70%. This means candidates must correctly answer at least 105 of the 150 questions to pass. The exam covers both national insurance concepts and Ohio-specific regulations from the Ohio Revised Code Title 39.

7What are the continuing education (CE) requirements for Ohio property and casualty insurance producers?

A.20 hours every 2 years, including 2 hours of ethics

B.24 hours every 2 years, including 3 hours of ethics

C.30 hours every 2 years, including 3 hours of ethics

D.36 hours every 2 years, including 6 hours of ethics

Explanation: Ohio requires property and casualty insurance producers to complete 24 hours of continuing education every 2 years. Of these 24 hours, at least 3 hours must be in ethics training. CE must be completed through ODI-approved providers before the license renewal date, which is the last day of the producer's birth month every two years.

8When must Ohio insurance producers renew their licenses?

A.December 31st of every year

B.January 1st of every year

C.The last day of their birth month every two years

D.On the anniversary of their original license date

Explanation: Ohio insurance producer licenses must be renewed by the last day of the producer's birth month every two years. For example, if a producer was born in March, their license renewal deadline would be March 31st of the appropriate renewal year. Producers can renew their licenses up to 90 days before the expiration date.

9Which section of the Ohio Revised Code contains the primary insurance laws and regulations for Ohio?

A.Title 29

B.Title 39

C.Title 49

D.Title 59

Explanation: Ohio Revised Code Title 39 contains the primary insurance laws and regulations for Ohio. This title covers insurance companies, producers, policy forms, rates, and various types of insurance including property and casualty. Property and casualty producers must be familiar with Title 39 as it appears on the state licensing exam.

10Under Ohio law, how long is a pre-license education completion certificate valid before taking the state exam?

A.90 days

B.180 days

C.1 year

D.2 years

Explanation: Ohio pre-license education completion certificates are valid for 180 calendar days from the date of issuance. If a candidate does not pass the licensing exam within this 180-day period, they must retake the pre-license education course before being eligible to sit for the exam again.

About the OH P&C Exam

Ohio P&C Producer exam covering ODI regulation, Ohio Revised Code Title 39, 25/50/25 auto minimums, BWC monopolistic workers compensation, FAIR Plan, and producer compliance duties

Questions

150 scored questions

Time Limit

3 hours 30 minutes

Passing Score

70%

Exam Fee

$42 (Ohio Department of Insurance / PSI)

OH P&C Exam Content Outline

25%

Ohio Insurance Regulation

Ohio DOI/department requirements, producer licensing, pre-license education, continuing education, appointment process

25%

Ohio Property Insurance Laws

Ohio homeowners requirements, commercial property, builders risk, inland marine, and state-specific mandates

25%

Ohio Casualty Insurance Laws

Ohio auto insurance requirements, liability minimums, workers compensation, general liability, and umbrella/excess

25%

Ohio Ethics & Practices

Unfair trade practices, producer conduct, Ohio guaranty association, penalties, and compliance requirements

How to Pass the OH P&C Exam

What You Need to Know

Passing score: 70%
Exam length: 150 questions
Time limit: 3 hours 30 minutes
Exam fee: $42

Keys to Passing

Complete 500+ practice questions
Score 80%+ consistently before scheduling
Focus on highest-weighted sections
Use our AI tutor for tough concepts

OH P&C Study Tips from Top Performers

1Master Ohio-specific statutes and regulations — they are heavily weighted on the exam

2Know the Ohio guaranty association coverage limits and triggering events

3Understand Ohio producer licensing requirements: pre-license education, CE, and appointment rules

4Study Ohio auto insurance requirements including minimum liability limits

5Complete 200+ practice questions and score 80%+ consistently before scheduling

Frequently Asked Questions

How hard is the Ohio Property & Casualty insurance exam?

The Ohio Property & Casualty exam has 150 questions in 3 hours 30 minutes, requiring 70% to pass. Ohio-specific topics like state statutes, producer law, and guaranty association rules are heavily tested.

What are Ohio's pre-license education requirements?

Ohio requires approved pre-license education before taking the Property & Casualty exam. Check with the Ohio Department of Insurance for current hour requirements and approved providers.

How much does the Ohio Property & Casualty exam cost?

The exam fee is $42, administered by Ohio Department of Insurance / PSI. Additional fees may apply for fingerprinting and license application.

How long should I study for the OH Property & Casualty exam?

Most candidates study 40-80 hours over 2-4 weeks beyond pre-license education. Focus on Ohio-specific statutes and regulations, as these topics distinguish the state exam from general content.