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

Wisconsin Department of Financial Institutions (DFI)

Wisconsin Office of the Commissioner of Insurance (OCI)

Wisconsin Department of Agriculture, Trade and Consumer Protection (DATCP)

Wisconsin Department of Safety and Professional Services (DSPS)

to track

2026 Statistics

Key Facts: WI Property & Casualty Exam

150

Exam Questions

Wisconsin OCI / Pearson VUE exam outline

150 min

Exam Time

Wisconsin Pearson VUE exam outline

70%

Passing Score

Wisconsin producer exam standard

$75

Exam Fee

Wisconsin OCI Pearson VUE registration

25/50/10

WI Auto Minimums

Wisconsin financial responsibility law

24 hrs

CE per 2 Years

Wisconsin producer CE requirement

3 hrs

Ethics CE

Wisconsin ethics requirement

Wisconsin administers its Property & Casualty producer exam through Pearson VUE with 150 questions in 150 minutes and a 70% passing standard. The exam covers national P&C concepts plus Wisconsin law including OCI regulation, producer licensing and CE requirements (24 hours biennially with 3 hours ethics), Wisconsin Insurance Security Fund, Wisconsin Informal Plan (market assistance), 25/50/10 auto liability minimums, and workers compensation requirements for employers.

Sample WI Property & Casualty Practice Questions

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

A.Wisconsin Department of Financial Institutions (DFI)

B.Wisconsin Office of the Commissioner of Insurance (OCI)

C.Wisconsin Department of Agriculture, Trade and Consumer Protection (DATCP)

D.Wisconsin Department of Safety and Professional Services (DSPS)

Explanation: The Wisconsin Office of the Commissioner of Insurance (OCI) is the primary regulator of all insurance companies and insurance producers in Wisconsin, including property and casualty lines. The OCI is headed by the Commissioner of Insurance, who is appointed by the Governor. The OCI ensures insurers remain solvent, reviews rate filings, and enforces consumer protection laws under Wisconsin Statutes Chapter 625.

2Under Wisconsin law, how is the Commissioner of Insurance selected?

A.Elected by Wisconsin voters in a statewide election

B.Appointed by the Governor with Senate confirmation

C.Selected by the Wisconsin Insurance Alliance

D.Appointed by the National Association of Insurance Commissioners (NAIC)

Explanation: The Wisconsin Commissioner of Insurance is appointed by the Governor with confirmation by the Wisconsin State Senate. This differs from some states like California where the insurance commissioner is popularly elected. The Commissioner serves at the pleasure of the Governor and leads the Office of the Commissioner of Insurance (OCI) in regulating the insurance industry in Wisconsin.

3How many hours of pre-license education does Wisconsin require before a candidate can take the Property & Casualty insurance license exam?

A.20 hours

B.40 hours

C.No pre-license education requirement

D.60 hours

Explanation: Wisconsin is one of the states that does not have a mandatory pre-license education requirement for property and casualty insurance producers. Candidates must pass the state licensing exam, but they are not required to complete a specific number of pre-license education hours. However, many candidates choose to take exam preparation courses to improve their chances of passing.

4What is the continuing education (CE) requirement for Wisconsin property and casualty insurance producers per compliance period?

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

B.30 hours every 2 years, including 5 hours of ethics

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

D.No continuing education requirement

Explanation: Wisconsin requires property and casualty insurance producers to complete 24 hours of continuing education (CE) every 2-year compliance period. Of the 24 hours, at least 3 hours must be in ethics. CE courses must be taken through OCI-approved providers. Failure to complete CE requirements before the compliance deadline can result in license suspension or non-renewal.

5In Wisconsin, what is the minimum age requirement to obtain a property and casualty insurance producer license?

A.16 years old

B.18 years old

C.21 years old

D.No minimum age requirement

Explanation: Wisconsin requires insurance producer license applicants to be at least 18 years old. This is consistent with most states and aligns with the age of majority for entering into contracts. Applicants must also be of good character and pass the appropriate licensing examination.

6Under Wisconsin law, a nonresident producer may be licensed in Wisconsin if they meet which requirement?

A.They must complete Wisconsin's pre-license education course

B.They must hold a valid license in their home state and apply through the OCI

C.They must establish a physical office in Wisconsin

D.They must pass the Wisconsin-specific insurance exam

Explanation: Wisconsin follows the NAIC producer licensing model, which allows nonresident producers to obtain a Wisconsin license if they hold a valid and active license in their home (resident) state. They must apply through the OCI and may be subject to background checks, but they do not need to complete Wisconsin's pre-license education or take the Wisconsin exam. The home state must have reciprocal licensing agreements.

7What is the passing score required on the Wisconsin Property & Casualty insurance licensing exam?

A.60%

B.65%

C.70%

D.75%

Explanation: Wisconsin requires candidates to score at least 70% to pass the Property & Casualty insurance licensing exam. The exam typically contains 100-150 questions covering general insurance knowledge and Wisconsin-specific laws and regulations. Candidates who do not pass must wait before retaking the examination.

8Under Wisconsin Insurance Code, how long must a producer maintain records of insurance transactions?

A.3 years

B.5 years

C.7 years

D.10 years

Explanation: Wisconsin Insurance Code requires insurance producers to maintain records of all insurance transactions for a minimum of 5 years. These records include applications, policy documents, premium receipts, claim files, and correspondence. The 5-year retention period allows the OCI to conduct audits and investigations and ensures consumers can access documentation if disputes arise.

9Which organization administers the Wisconsin Property & Casualty insurance licensing examination?

A.Wisconsin Department of Revenue

B.Pearson VUE or PSI Services

C.Wisconsin Technical College System

D.National Association of Insurance Commissioners (NAIC)

Explanation: Wisconsin contracts with third-party testing providers such as Pearson VUE or PSI Services to administer the Property & Casualty insurance licensing examination. Candidates must register with the testing provider and schedule their exam at an approved testing center. The exam covers both national insurance content and Wisconsin-specific regulations.

10What is the primary purpose of the Wisconsin Insurance Security Fund?

A.To provide insurance to high-risk drivers who cannot obtain coverage elsewhere

B.To protect policyholders if an insurance company becomes insolvent

C.To subsidize insurance premiums for low-income Wisconsin residents

D.To fund the OCI's regulatory activities

Explanation: The Wisconsin Insurance Security Fund is the state's guaranty association that protects policyholders if an insurance company becomes insolvent. It covers claims up to statutory limits for property and casualty insurance policies issued by insolvent insurers. The fund is funded by assessments on licensed insurers operating in Wisconsin, not by taxpayers.

About the WI Property & Casualty Exam

Wisconsin's Property & Casualty producer exam combines national insurance content with Wisconsin-specific regulation through the Office of the Commissioner of Insurance (OCI), producer licensing requirements, homeowners and commercial property, auto insurance (25/50/10 minimums), workers compensation, general liability, and ethics requirements.

Questions

150 scored questions

Time Limit

2 hours 30 minutes (150 minutes)

Passing Score

70%

Exam Fee

$75 (Wisconsin Office of the Commissioner of Insurance / Pearson VUE)

WI Property & Casualty Exam Content Outline

25%

Insurance Regulation

Wisconsin OCI authority, producer licensing, continuing education (24 hours/2 years with 3 hours ethics), appointment requirements, and unfair trade practices

10%

General Insurance Concepts

Risk management, contracts, agency authority, insurer classifications, and legal principles

15%

Property Insurance

Homeowners policies, dwelling fire forms, commercial property, Wisconsin Informal Plan, and loss valuation methods

20%

Casualty Insurance

Wisconsin auto insurance (25/50/10 limits), general liability, workers compensation requirements, surplus lines, and commercial auto

15%

Policy Provisions

Policy structure, conditions, exclusions, endorsements, and claims handling requirements

15%

Ethics and Consumer Protection

Producer conduct, unfair practices, privacy protection, Wisconsin Insurance Security Fund, and consumer rights

How to Pass the WI Property & Casualty Exam

What You Need to Know

Passing score: 70%
Exam length: 150 questions
Time limit: 2 hours 30 minutes (150 minutes)
Exam fee: $75

Keys to Passing

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

WI Property & Casualty Study Tips from Top Performers

1Memorize Wisconsin's auto insurance minimums (25/50/10) and the requirement for uninsured motorist coverage

2Study the Wisconsin Office of the Commissioner of Insurance (OCI) role as the primary insurance regulator

3Understand Wisconsin's continuing education requirements: 24 hours biennially with 3 hours ethics

4Learn about the Wisconsin Informal Plan, a market assistance program for hard-to-place commercial risks

5Review workers compensation requirements and the Wisconsin Insurance Security Fund (guaranty association)

Frequently Asked Questions

How many questions are on the Wisconsin Property and Casualty exam?

Wisconsin's Property & Casualty producer exam contains 150 questions covering both national insurance content and Wisconsin-specific regulations. The exam is administered by Pearson VUE.

How much time do you get for the Wisconsin P&C exam?

The Wisconsin Property & Casualty producer exam time limit is 150 minutes (2.5 hours). Candidates should pace themselves to complete all questions within the allotted time.

What are Wisconsin's auto insurance minimum requirements?

Wisconsin requires minimum auto liability coverage of 25/50/10, which means $25,000 bodily injury per person, $50,000 bodily injury per accident, and $10,000 property damage per accident. Wisconsin also requires uninsured motorist coverage. These are minimums; higher limits are recommended.

What continuing education is required for Wisconsin producers?

Wisconsin producers must complete 24 hours of continuing education every 2 years, including 3 hours of ethics training. License renewal is biennial on the last day of the producer's birth month.

What is the Wisconsin Insurance Security Fund?

The Wisconsin Insurance Security Fund is the state's guaranty association that protects policyholders if an insurance company becomes insolvent. It provides coverage up to statutory limits for unpaid claims and unearned premiums.