Key Takeaways
- Colorado requires 50 hours of pre-license education for Property & Casualty producers
- The Colorado P&C exam requires a 70% passing score
- Prometric administers Colorado insurance exams at testing centers and via remote proctoring
- Background checks are required for all license applicants
- License fees vary; initial application fee is approximately $55
Last updated: January 2026
Colorado P&C Producer Licensing Requirements
Colorado has specific requirements for obtaining a Property & Casualty insurance producer license.
Pre-License Education Requirements
Colorado requires 50 hours of pre-license education for P&C producers:
Education Requirements
| License Type | Pre-License Hours |
|---|---|
| Property Only | 50 hours |
| Casualty Only | 50 hours |
| Property & Casualty | 50 hours |
Key Points:
- Courses must be approved by the Division of Insurance
- May be completed in-person or online
- Certificate of completion required before scheduling exam
- Certificate valid for 1 year
Exam Tip: Colorado requires the FULL 50 hours of pre-license education, which is higher than some states.
Examination Requirements
The Colorado Property & Casualty examination:
| Exam Detail | Requirement |
|---|---|
| Passing Score | 70% |
| Testing Provider | Prometric |
| Testing Options | Testing center or remote proctored |
| Retake Policy | Wait 24 hours, pay new fee |
Exam Content
The Colorado P&C exam covers:
- General insurance concepts
- Property insurance
- Casualty/liability insurance
- Colorado insurance laws and regulations
Exam Scheduling
- Complete 50 hours pre-license education at approved provider
- Schedule exam with Prometric online or by phone
- Exam options: Physical testing center OR remote proctored exam
- Bring valid ID with photo and signature
- Receive results immediately after exam
Background Check Requirements
Colorado requires background checks for all insurance license applicants:
Background Check Process
- Criminal background check required
- Fingerprinting may be required
- Disclosure of criminal history on application
- Character and fitness review by DOI
Disqualifying Factors
DOI considers when evaluating license applications:
- Felony convictions
- Crimes involving fraud, dishonesty, or breach of trust
- Insurance law violations
- Disciplinary actions in other states
- Material misstatements on application
License Application
After passing the exam:
| Step | Details |
|---|---|
| Apply Online | Through DORA/DOI website |
| Application Fee | Approximately $55 |
| Processing Time | 2-4 weeks typically |
| License Term | 2 years |
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 |
Resident vs. Non-Resident
- Resident License: For Colorado residents
- Non-Resident License: For producers licensed in another state
- Reciprocity: Colorado has reciprocity agreements with other states
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