Ohio Property & Casualty Exam Overview
Key Takeaways
- Ohio requires 40 hours of pre-licensing education (20 hours Property + 20 hours Casualty) before testing for the combined P&C license.
- The Series 11-36 combined P&C exam has 150 scored questions, a 150-minute (2.5-hour) limit, and a 70% passing score on each line.
- Course-completion certificates are valid for only 180 calendar days from issuance and must be presented at the test center, or your $42 fee is forfeited.
- Effective March 10, 2026, PSI no longer offers remote insurance proctoring in Ohio — every line is tested in person at a PSI center.
- All resident applicants must complete BCI and FBI fingerprinting under Ohio Revised Code 3905.051 (~$72.25), with results valid for one year.
About the Ohio P&C Exam
Welcome to OpenExamPrep's FREE Ohio Property & Casualty (P&C) study guide. The Ohio Property & Casualty examination is administered by PSI Services LLC under contract to the Ohio Department of Insurance (ODI). The combined P&C credential is delivered as the Series 11-36 exam. "Property" and "Casualty" are treated as two separate lines of authority in Ohio, which is why you complete two pre-licensing courses but can sit one combined exam covering both.
Exam Structure (Series 11-36)
| Component | Detail |
|---|---|
| Testing provider | PSI Services LLC |
| Regulatory authority | Ohio Department of Insurance (ODI) |
| Exam series | 11-36 (combined Property & Casualty) |
| Scored questions | 150 |
| Time limit | 150 minutes (2 hours 30 minutes) |
| Passing score | 70% on each line (Property and Casualty scored separately) |
| Delivery | In person only at a PSI test center |
| Results | Pass/fail report at the center |
2026 update — verify before you book. Effective March 10, 2026, PSI discontinued remote (online) proctoring for all Ohio insurance exams. The PSI Bridge / live-remote option referenced in older guides no longer applies to Ohio — you must test in person.
Scoring trap: each line stands alone
The 70% threshold is applied per line. It is possible to pass Property but fail Casualty (or vice versa) on the combined Series 11-36 exam. If you fail one line, you generally re-test only the failed line. Do not assume a strong overall percentage carries you — a weak section can sink an entire line.
Pre-Licensing Education (40 Hours)
ODI requires 20 hours per line, so the combined P&C path totals 40 hours of ODI-approved pre-licensing study. You receive a separate course-completion certificate for each line.
| Line | Required hours |
|---|---|
| Property insurance | 20 |
| Casualty insurance | 20 |
| Combined P&C total | 40 |
The 180-day certificate clock (high-stakes)
Each course-completion certificate is valid for 180 calendar days from its date of issuance. You must (1) pass the exam and (2) present both certificates at the PSI test center within that window.
- You must bring both course-completion certificates on exam day. If you cannot present valid certificates or an approved education waiver, you will be turned away and your $42 fee is forfeited.
- If the 180 days lapse before you pass, the certificate expires and you must retake the pre-licensing course — there is no grace extension.
- Schedule your exam early in the 180-day window so a single retake (if needed) still fits inside it.
On the combined Series 11-36 exam, how is the 70% passing standard applied?
Step-by-Step Path to Licensure
Step 1 — Complete 40 hours of pre-licensing education
Finish 20 hours Property + 20 hours Casualty through an ODI-approved provider. Note each certificate's issue date — the 180-day clock starts immediately.
Step 2 — Register and pay PSI
Create an account at psiexams.com, select the Ohio insurance program, choose Series 11-36, and pay the $42 exam fee by credit/debit card or voucher at reservation. Since March 2026, only in-person PSI center appointments are offered.
Step 3 — Pass the exam
Answer 150 scored questions in 150 minutes; reach 70% on each line. Bring both course certificates plus a valid government photo ID whose name matches your registration.
Step 4 — Complete BCI & FBI fingerprinting
Ohio Revised Code 3905.051 requires every resident applicant to submit fingerprints for a BCI (Ohio Bureau of Criminal Investigation) and FBI criminal-records check.
| Item | Detail |
|---|---|
| Vendor | A "National" WebCheck provider |
| Reason code / agency code | ORC 3905.051 (agency code BQE445) |
| Result delivery | "Direct Copy to Ohio Department of Insurance" |
| Approximate cost | up to ~$72.25 |
| Validity | 1 year (reusable for multiple license types) |
Choosing the wrong reason code or failing to direct results to ODI is the most common processing delay — ODI cannot finish your application until it receives both BCI and FBI reports.
Step 5 — Apply through NIPR
File the resident producer application at nipr.com (state fee $20 plus a small NIPR transaction fee). Apply within 12 months of passing.
Step 6 — License issuance and renewal
ODI reviews your background results and issues the license. Resident P&C licenses run on a 2-year cycle, requiring 24 hours of continuing education (CE) including 3 ethics hours each biennium.
Approximate Total Cost
| Item | Cost |
|---|---|
| Pre-licensing education (40 hrs) | ~$139–300 |
| PSI exam fee | $42 |
| BCI/FBI fingerprinting | ~$72.25 |
| NIPR application | $20 + transaction fee |
| Estimated total | ~$275–440 |
Ohio Auto Liability Minimums (memorize)
Ohio is a fault (tort) state, not a no-fault state, and uses financial-responsibility minimums of 25/50/25:
| Coverage | Minimum |
|---|---|
| Bodily injury — per person | $25,000 |
| Bodily injury — per accident | $50,000 |
| Property damage | $25,000 |
Numbers to Memorize
| Topic | Value |
|---|---|
| Pre-license hours | 40 (20 + 20) |
| Certificate validity | 180 days |
| Exam questions | 150 |
| Exam time | 150 min |
| Passing score | 70% per line |
| Exam fee | $42 |
| Fingerprinting | ~$72.25, valid 1 yr |
| Auto minimums | 25/50/25 |
| CE | 24 hrs / 2 yrs (3 ethics) |
Next, Chapter 1 covers Ohio insurance regulation, ODI authority, and producer duties in depth.
A candidate completed pre-licensing on January 5 but did not test until July 20 of the same year. What happens at the PSI center?
Which statement about Ohio insurance exam delivery is accurate for 2026?
Under Ohio Revised Code 3905.051, what is required of all resident license applicants?