Connecticut Property & Casualty Insurance Exam 2026

Welcome to your FREE Connecticut Property & Casualty (P&C) Insurance exam preparation guide. This comprehensive study resource covers Connecticut-specific insurance laws, regulations, and requirements you need to pass your state licensing exam.

Note: This guide covers Connecticut state-specific content. You should also study national Property & Casualty insurance concepts, as the exam tests both state and general insurance knowledge.

Why Get Licensed in Connecticut?

Connecticut is a major insurance center with unique market features:

• Insurance Industry Hub: Hartford is known as the "Insurance Capital of the World"
• Coastal Property Risks: Long Island Sound creates unique property insurance challenges
• Strong Regulations: Connecticut Insurance Department provides robust consumer protection
• Professional Market: Many insurance company headquarters and opportunities
• Northeast Corridor Access: Serves Connecticut, New York, and Massachusetts markets

What This Guide Covers

This FREE study guide includes:

✓ Connecticut Insurance Law & Regulations - Department authority, rate regulation, consumer protections ✓ Property Insurance - Homeowners, coastal property risks, commercial property coverage ✓ Auto Insurance - Connecticut-specific requirements, underinsured motorist coverage, rate regulations ✓ Workers' Compensation - Connecticut system requirements and benefits ✓ Practice Questions - Quiz questions in each chapter to test your knowledge

Exam Format & Requirements

Pre-Licensing Education

Connecticut requires 40 hours of approved pre-licensing education:

Approved Providers:

• Must be Connecticut Insurance Department approved
• Classroom or online courses accepted
• Must complete within 180 days before exam
• Certificate of completion required

Exam Tip: Connecticut's 40-hour requirement is strictly enforced. Complete your pre-licensing education from an approved provider before scheduling your exam.

Exam Structure

Exam Costs

• Application Fee: Varies by exam type
• Testing Fee: Paid to Pearson VUE when scheduling
• Retake Fee: Full fee required for each attempt

Testing Provider

Pearson VUE administers all Connecticut insurance exams:

• Schedule online at pearsonvue.com/ct/insurance
• Testing centers throughout Connecticut
• Online proctoring available for eligible exams

Exam Content Areas

Property Exam Topics (20 hours education, 85 questions)

1. Connecticut Insurance Department Regulations (15-20%)

   • Department authority and structure
   • Producer licensing requirements
   • Rate filing and approval processes
   • Consumer protection laws

2. Homeowners and Dwelling Policies (30-35%)

   • HO-3, HO-2, HO-4, HO-6 coverage
   • DP-1, DP-2, DP-3 dwelling forms
   • Coastal property considerations
   • Connecticut-specific endorsements

3. Commercial Property Insurance (25-30%)

   • Building and Personal Property coverage
   • Business Income insurance
   • Special property coverages
   • Commercial package policies

4. Connecticut-Specific Requirements (15-20%)

   • Coastal/hurricane risks
   • Connecticut FAIR Plan
   • Cancellation and non-renewal rules
   • State-mandated provisions

Casualty Exam Topics (20 hours education, 85 questions)

1. Connecticut Auto Insurance (35-40%)

   • Mandatory liability limits
   • Underinsured motorist requirements
   • Rate regulation specific to auto
   • Assigned Risk Plan

2. General Liability Insurance (25-30%)

   • Commercial General Liability (CGL)
   • Personal liability coverage
   • Professional liability
   • Product liability

3. Workers' Compensation (20-25%)

   • Connecticut requirements
   • Benefit provisions
   • Classification and rating
   • Second Injury Fund

4. Other Liability Coverages (10-15%)

   • Umbrella/excess liability
   • Employment practices liability
   • Cyber liability
   • Directors & Officers

Exam Waivers

Connecticut waives the examination requirement for applicants holding professional designations:

Recognized Designations:

• AAI (Accredited Adviser in Insurance)
• ARM (Associate in Risk Management)
• CIC (Certified Insurance Counselor)
• CPCU (Chartered Property Casualty Underwriter)

Requirements:

• Current designation (not expired)
• Letter of Designation from granting organization
• Still must complete application and background check

How to Use This Study Guide

Recommended Study Plan

Week 1-2: Complete Pre-Licensing Education

• Enroll in approved 40-hour course
• Complete Property (20 hours) and Casualty (20 hours)
• Obtain certificate of completion

Week 3-4: Property Insurance Focus

• Study Chapters 1-2 (Regulations and Property Insurance)
• Complete all practice questions
• Focus on Connecticut-specific requirements

Week 5-6: Casualty Insurance Focus

• Study Chapter 3 (Auto and Casualty Insurance)
• Complete all practice questions
• Master Connecticut auto insurance law

Week 7: Ethics and Review

• Study Chapter 4 (Ethics)
• Review all key takeaways
• Retake practice questions
• Take full-length practice exams

Study Tips

1. Complete Education First: Don't skip the required 40-hour pre-licensing course
2. Focus on Connecticut Specifics: The exam emphasizes state law and regulations
3. Master Auto Insurance: Connecticut auto insurance makes up large portion of exam
4. Understand Coastal Risks: Connecticut's coastline creates unique property challenges
5. Practice Questions: Use quiz questions to identify weak areas

Taking the Exam

Scheduling Your Exam

1. Complete Education: Finish 40-hour pre-licensing course
2. Apply to Test: Submit application to Connecticut Insurance Department
3. Receive Eligibility: Get authorization to test (ATT) number
4. Schedule with Pearson VUE: Book exam date and location
5. Pay Exam Fee: Complete payment when scheduling

On Exam Day

Bring to Testing Center:

• Valid government-issued photo ID
• Authorization to Test (ATT) number
• Confirmation from Pearson VUE

Testing Center Rules:

• No phones, calculators, or reference materials
• Scratch paper provided
• Results available immediately after exam
• Pass/fail decision provided on-site

If You Don't Pass

• Waiting Period: Can retest immediately (no waiting period)
• Retake Fee: Must pay full exam fee again
• Study More: Review weak areas before retaking
• No Limit: No limit on number of attempts

Connecticut Insurance Department

The Connecticut Insurance Department regulates P&C insurance:

Connecticut Insurance Department Contact:

• Website: portal.ct.gov/cid
• Address: 153 Market Street, Hartford, CT 06103
• Phone: (860) 297-3800
• Consumer Helpline: (800) 203-3447

Next Steps After Licensing

Once you pass your exams:

1. Submit License Application: Apply through NIPR or directly to CT Insurance Dept
2. Background Check: Fingerprinting and background check required
3. Receive License: License issued upon approval (typically 2-4 weeks)
4. Obtain Appointments: Get company appointments to sell insurance
5. Complete Continuing Education: 24 hours every 2 years (including 3 hours ethics)

Connecticut-Specific Focus Areas

Coastal Property Insurance

Connecticut's Long Island Sound coastline creates unique challenges:

• Hurricane and Storm Surge Risk: Coastal properties face significant wind and flood exposure
• Beach Erosion: Property values affected by coastal erosion
• Connecticut FAIR Plan: Residual market for coastal high-risk properties
• Flood Insurance Requirements: NFIP coverage critical for coastal properties

Connecticut Auto Insurance

Connecticut has specific auto insurance requirements:

• Underinsured Motorist: Must be offered with minimum limits
• Rate Regulation: Prior approval system for auto rates
• Connecticut Automobile Assigned Risk Plan: Residual market for high-risk drivers
• Minimum Limits: Connecticut requires 25/50/25 liability coverage

Ready to Start?

Let's dive into Chapter 1: Connecticut P&C Insurance Regulation & Licensing to begin your exam preparation!

Remember: This content is 100% FREE. Use AI assistance whenever you get stuck—click "Ask AI" buttons throughout this guide or use the floating AI helper at the bottom right of your screen.