1.2 Virginia P&C Producer Licensing Requirements
Key Takeaways
Virginia does NOT mandate pre-licensing education, but approved courses are structured at 50 hours for a combined Property & Casualty license (25 hours for a single Property-only or Casualty-only line)
The exam is administered by Prometric, costs $35 per attempt, runs 135 minutes (2 hr 15 min), and contains 145 scored multiple-choice questions (about 100 national + 45 Virginia state-law)
The passing score is 70%; results are reported pass/fail at the test center with a diagnostic by content area
All applicants must complete fingerprinting (about $34.95) and a criminal background review
The initial resident license fee is about $15 per line of authority, and residents must maintain a $25,000 surety bond
Pre-License Education
Virginia is unusual in that it does not mandate a pre-licensing course before you sit the exam — you may register and test immediately. Approved courses, when taken voluntarily, are structured around hours per line of authority: the published standard is 25 hours of study per line, so a combined Property & Casualty course totals about 50 hours. (The earlier "40 hours" figure floating around old guides is wrong — it does not match either the single-line or combined-line structure.)
| License sought | Approximate course hours (optional) |
|---|---|
| Property only | 25 |
| Casualty only | 25 |
| Property & Casualty (combined) | 50 |
Key points:
- Coursework blends general insurance concepts with Virginia-specific law (Title 38.2).
- Use a Virginia-approved provider; completion certificates are time-limited (commonly 12 months), so schedule the exam promptly.
- Online self-study and classroom formats both qualify with approved vendors.
The Licensing Examination
The Virginia P&C exam is delivered by Prometric as the combined Series 11-03.
| Exam detail | Specification |
|---|---|
| Vendor | Prometric (test center or ProProctor remote) |
| Fee | $35 per attempt |
| Format | Four-option multiple choice |
| Length | 135 minutes (2 hr 15 min) |
| Questions | 145 scored (about 100 national + 45 Virginia state) |
| Passing score | 70% |
| Result | Pass/fail, reported at the center with a content-area diagnostic |
| Retake | Permitted; a new $35 exam fee applies each attempt |
The exam blends a national section on core P&C concepts (perils, coverage forms, the insuring agreement, exclusions, liability basics) with a Virginia section on state law (the SCC structure from 1.1, unfair trade practices, claims-settlement rules, and licensing). The 45 Virginia state-law items can determine pass/fail on their own — strong national knowledge will not rescue weak state-law performance, which is exactly why the state material in this guide matters.
Exam tip: Time pressure is real — 145 items in 135 minutes is about 56 seconds per question. Flag and skip long fact-pattern liability questions, bank the quick definitional points, and circle back.
Lines of Authority
Virginia licenses by line of authority (LOA), and fees are charged per LOA:
| License / LOA | What you may sell |
|---|---|
| Property | Fire, homeowners, commercial property |
| Casualty | Liability, commercial auto, workers' compensation |
| Property & Casualty | All property and casualty products |
| Personal Lines | Personal auto and homeowners only |
Choose Personal Lines if you will only sell personal auto/home; choose full P&C for commercial and liability work. Residents apply for a resident license; producers licensed elsewhere apply for a non-resident license.
Exam Content Outline — Where the State Section Focuses
The Virginia state section concentrates on the material from this chapter plus a few recurring topics. Allocate study time roughly as follows:
| Virginia state topic | Why it is tested heavily |
|---|---|
| SCC structure & Commissioner appointment | Single most common state "gotcha" item |
| Unfair trade & claims practices | Maps directly to consumer-protection enforcement |
| Licensing, appointments, CE, renewal timing | Practical day-one knowledge for a new producer |
| Cancellation & nonrenewal notice rules | Auto and homeowners have specific Virginia notice periods |
| Producer duties & fiduciary handling of premiums | Underpins commingling and rebating violations |
A practical tactic: because the general and state sections are scored separately, build a quick mental checklist of Virginia-only facts (appointment filed by the insurer, 30-day change reporting, $25,000 bond, biennial birth-month renewal). These are pure recall points that bank time for the harder national liability questions.
Common trap: Candidates assume passing the general section with a high score offsets a weak state section. It does not — each section is independently scored, and a producer who aces national content but fails Virginia law still fails the overall exam and must retake it (paying the ~$35 fee again).
Step-by-Step Application Process
- (Optional) Complete pre-licensing study at a Virginia-approved provider (~50 hours combined P&C); not required, but strongly recommended.
- Schedule the exam with Prometric online or by phone; pick a test center or a ProProctor remote session.
- Bring valid photo ID (driver's license, passport, or military ID); names must match the registration exactly.
- Sit the exam — 145 scored questions in 135 minutes; receive a pass/fail result before you leave.
- Submit fingerprints for the criminal background check (electronic capture; fee about $34.95).
- File the license application with the Bureau and pay the per-LOA fee (about $15 per line for a resident).
- Secure the $25,000 surety bond required of resident producers, payable to the Commonwealth.
- Get appointed by at least one insurer before you sell that insurer's products.
Background Check & Fingerprinting
Every applicant must be fingerprinted and undergo a criminal-history review before licensure. Fingerprints are captured electronically and run through state and federal databases; the typical fee is $34.95. The Bureau weighs criminal history when deciding an application.
What can disqualify or delay an application
- Crimes involving fraud, dishonesty, or breach of trust (directly relevant to handling client premiums).
- Felonies substantially related to the insurance business.
- Recent convictions — the time elapsed since the offense matters.
- Failure to disclose any charge or conviction on the application — the non-disclosure itself is often treated as the disqualifying act, even if the underlying offense was minor.
Under the federal Violent Crime Control Act (18 U.S.C. §1033), anyone convicted of a felony involving dishonesty or breach of trust generally cannot work in insurance without written consent from the Commissioner — this overlays Virginia's own review.
Fees and the Surety Bond
| Item | Approximate amount |
|---|---|
| Exam fee | ~$35 per attempt |
| Fingerprinting | ~$34.95 |
| Initial resident license | ~$15 per line of authority |
| Surety bond (residents) | $25,000 kept in force while licensed |
The $25,000 surety bond is a Virginia-specific feature — it protects the Commonwealth and consumers if the producer mishandles funds. It is not insurance for the producer; the bond company can seek reimbursement from the producer for any claim it pays. A common trap treats the bond as protecting the agent — it protects the public.
Scenario. A candidate passes both exam sections, is fingerprinted, and pays the per-line fee but never files the $25,000 bond. The Bureau will not issue the resident license until the bond is in force — every step in the checklist above is a gate, not optional.
About how many hours of pre-licensing study correspond to a combined Virginia Property & Casualty license?
50 hours
40 hours
20 hours
75 hours
A resident applicant passed both exam sections and paid the per-line fee but has not posted the surety bond. What is true?
The bond protects the producer against client lawsuits
The Bureau will issue the license because the exam is the only requirement
The $25,000 bond is a Virginia requirement that must be in force before the resident license issues
The bond is optional for Property & Casualty producers
Sections you finish are checked off in the contents.