Key Takeaways
- Florida requires 200 hours of pre-license education for Property & Casualty (200 hours combined or 60 hours each)
- The Florida P&C exam requires a 70% passing score
- Prometric administers Florida insurance exams at testing centers statewide
- All applicants must submit fingerprints for a background check
- Florida license application fee is $55; licenses are valid for 2 years
Florida P&C Producer Licensing Requirements
Florida has specific requirements for obtaining a Property & Casualty insurance producer license.
Pre-License Education Requirements
Florida requires completion of approved pre-license education before taking the state exam:
Education Requirements
| License Type | Pre-License Hours |
|---|---|
| Property Only (2-20) | 60 hours |
| Casualty Only (2-20) | 60 hours |
| Property & Casualty Combined | 200 hours |
Course Requirements
- Must be completed at DFS-approved schools
- Course completion certificate valid for 4 years
- Can be completed in classroom or online
- Florida Insurance Code and ethics covered
Exam Tip: Florida's 200-hour combined requirement is one of the highest in the nation. Some states require no pre-license education at all.
Examination Requirements
The Florida Property & Casualty examination:
| Exam Detail | Requirement |
|---|---|
| Passing Score | 70% |
| Testing Provider | Prometric |
| Exam Fee | $45 per attempt |
| Retake Policy | Wait 24 hours, pay new fee |
Exam Options
| License | Questions | Time |
|---|---|---|
| 2-20 General Lines | 150 questions | 2.5 hours |
| Property Only | 75 questions | — |
| Casualty Only | 75 questions | — |
Exam Content
The exam covers:
- General insurance knowledge
- Property insurance
- Casualty insurance
- Florida Insurance Code
- Ethics and regulations
Examination Process
- Complete pre-license education at approved school (200 hours for P&C)
- Schedule exam with Prometric online or call
- Exam options: Physical Prometric testing center
- Bring valid ID with photo (driver's license, passport)
- Receive results immediately after exam
Background Check Requirements
Florida requires fingerprinting for all insurance license applicants:
Fingerprint Process
- Timing: Must be completed before license issuance
- Electronic submission: Through approved vendors
- Results: Submitted to DFS and FDLE
- Cost: Approximately $50-80
Disqualifying Factors
DFS considers criminal history when evaluating license applications:
- Felonies involving moral turpitude
- Crimes of dishonesty or fraud
- Crimes substantially related to insurance activities
- Pattern of criminal behavior
License Types
| License Type | What You Can Sell |
|---|---|
| 2-20 General Lines (P&C) | All property and casualty products |
| 4-40 Customer Representative | Limited P&C, supervised |
| 20-44 Personal Lines | Personal auto and homeowners |
| Property Only | Fire, homeowners, commercial property |
| Casualty Only | Liability, auto, workers' comp |
2-20 General Lines License
The most common Florida P&C license is the 2-20 General Lines license, which allows:
- All property insurance products
- All casualty insurance products
- Commercial and personal lines
- Surplus lines (with additional license)
License Application
| Requirement | Details |
|---|---|
| Application Fee | $55 |
| License Term | 2 years |
| Processing Time | 2-4 weeks after exam |
| Appointment | Required within 30 days of first transaction |
How many hours of pre-license education does Florida require for a combined Property & Casualty (2-20) license?
What is the passing score for the Florida Property & Casualty insurance exam?