Key Takeaways
- DC requires NO pre-licensing education hours for P&C insurance—candidates can test immediately
- The P&C exam consists of 80 scored questions per section (property and casualty) with 70% passing score
- Licenses are valid until the last day of the producer's birth month in a 2-year cycle
- Continuing education: 24 hours every 2 years including 3 hours ethics
- First renewal requires additional 3-hour one-time flood insurance course
Last updated: January 2026
DC P&C Producer Licensing Requirements
Pre-License Education
| Requirement | Details |
|---|---|
| Required Hours | ZERO - No pre-licensing education required |
| Study Recommendation | 60-80 hours self-study strongly recommended |
| National Content | Must study general P&C principles independently |
| DC Content | Must study DC-specific regulations (this guide) |
Unique Advantage: DC is one of the few jurisdictions requiring NO mandatory pre-licensing education, allowing faster entry into the insurance profession.
Examination Requirements
Property Exam
| Exam Detail | Requirement |
|---|---|
| Scored Questions | 80 questions |
| Pretest Questions | 10 (unscored) |
| Total Questions | 90 questions |
| Passing Score | 70% (56 correct out of 80) |
| Time Limit | 2 hours (120 minutes) |
| Exam Fee | $75 |
Casualty Exam
| Exam Detail | Requirement |
|---|---|
| Scored Questions | 80 questions |
| Pretest Questions | 10 (unscored) |
| Total Questions | 90 questions |
| Passing Score | 70% (56 correct out of 80) |
| Time Limit | 2 hours (120 minutes) |
| Exam Fee | $75 |
Combined Exam Information
- Total Cost: $150 (both sections)
- Total Time: 4 hours (240 minutes)
- Total Questions: 180 (160 scored + 20 pretest)
- Pass Both: Must achieve 70%+ on EACH section independently
- Administered By: Pearson VUE
License Application Process
Step 1: Apply Through NIPR
- Create Account at nipr.com
- Select DC Resident or Non-Resident
- Complete Application - Personal information, background questions
- Pay Application Fee - Varies by license type
- Submit Electronically
Step 2: Background Check
- Fingerprinting - Schedule through Fieldprint
- FBI Background Check - Criminal history review
- Disclosure Requirements - Report all criminal convictions, regulatory actions
- Processing Time - 2-4 weeks for background clearance
Step 3: Schedule and Take Exam
- Receive Authorization to Test - After DISB approves application
- Register with Pearson VUE - Schedule exam appointment
- Take Property Exam - 2 hours
- Take Casualty Exam - 2 hours
- Receive Immediate Results - Pass/fail notification at test center
Step 4: License Issuance
- Automatic Notification - Pearson VUE notifies DISB of passing score
- NIPR Processing - License appears in NIPR system (3-5 business days)
- Insurer Appointment - Obtain appointment with insurance company
- License Validity - Valid until last day of birth month in 2-year cycle
License Renewal Requirements
Biennial Renewal
| Requirement | Details |
|---|---|
| Renewal Frequency | Every 2 years |
| Renewal Date | Last day of birth month |
| Renewal Method | Through NIPR online system |
| Renewal Fee | Check NIPR for current fee |
Continuing Education (CE) Requirements
Standard CE Requirements
| Requirement | Details |
|---|---|
| Total Hours | 24 hours every 2 years |
| General CE | 21 hours (any approved topics) |
| Ethics | 3 hours required |
| Completion Timing | Before license expiration |
First Renewal Special Requirement
| Requirement | Details |
|---|---|
| Flood Insurance | 3 hours (one-time only) |
| Required For | Property and Casualty producers |
| Timing | Must complete by first renewal |
| NFIP Training | National Flood Insurance Program certification |
CE Rules and Policies
- No Carryover - Excess hours do NOT roll over to next period
- Ethics Maximum - Only 3 ethics hours count per period
- Dual Licenses - Life & Health AND P&C requires 6 hours for each line
- Approved Providers - Must use DISB-approved CE providers
- Electronic Reporting - CE credits reported electronically to DISB
- Audit Compliance - Maintain CE certificates for 5 years
Exam Tip: The one-time 3-hour flood insurance requirement applies ONLY at first renewal and is separate from the standard 24-hour CE requirement.
Non-Resident Licensing
Reciprocity Requirements
DC offers reciprocal licensing for non-residents:
| Requirement | Details |
|---|---|
| Home State License | Must hold active P&C license in home state |
| Good Standing | Must be in good standing in all states |
| Same Lines | DC authority limited to home state authority |
| Application | Apply through NIPR as non-resident |
| No Exam | DC exam waived if home state has reciprocity |
Non-Resident Appointment
- Must be appointed by DC-licensed insurer
- Insurer files appointment electronically
- Non-resident must comply with DC insurance laws
- CE requirements may be satisfied in home state (if reciprocal)
License Fees
| Fee Type | Amount |
|---|---|
| Initial Application | Varies (check NIPR) |
| Background Check | $50-100 |
| Property Exam | $75 |
| Casualty Exam | $75 |
| Biennial Renewal | Check NIPR for current fee |
| Late Renewal Penalty | Additional fee if renewed after expiration |
| License Reinstatement | Higher fee if lapsed beyond grace period |
Important: All fees subject to change. Always verify current fees on NIPR website or DISB website.
Test Your Knowledge
How many hours of continuing education must DC P&C producers complete every 2 years?
A
B
C
D
Test Your Knowledge
When do DC insurance producer licenses expire?
A
B
C
D