Key Takeaways
- Washington requires 20 hours of pre-license education for Property & Casualty insurance
- The Washington P&C exam requires a 70% passing score
- PSI administers Washington insurance exams at testing centers statewide and via remote proctoring
- All applicants must submit fingerprints for a background check
- Washington issues a combined Property and Casualty license (line of authority)
Last updated: January 2026
Washington P&C Producer Licensing Requirements
Washington has specific requirements for obtaining a Property & Casualty insurance producer license.
Pre-License Education Requirements
Washington requires 20 hours of pre-license education for P&C:
Education Requirements
| License Type | Pre-License Hours |
|---|---|
| Property Only | 20 hours |
| Casualty Only | 20 hours |
| Property & Casualty | 20 hours |
Key Points:
- Must be completed at OIC-approved schools
- Course completion certificate is valid for 1 year
- Online and classroom options available
- Must cover Washington state insurance law
Note: Washington's 20-hour requirement is standard compared to other states.
Examination Requirements
The Washington Property & Casualty examination:
| Exam Detail | Requirement |
|---|---|
| Passing Score | 70% |
| Exam Fee | Approximately $64 |
| Testing Provider | PSI Services LLC |
| Retake Policy | No waiting period, pay new fee |
| Time Limit | Varies by exam type |
Exam Content
The Washington P&C exam covers:
- General insurance concepts
- Property insurance
- Casualty/liability insurance
- Washington state laws and regulations
Examination Process
- Complete pre-license education at approved school (20 hours)
- Schedule exam with PSI online or by phone
- Exam options: Physical PSI testing center OR remote proctored exam
- Bring valid ID with photo (driver's license, passport, military ID)
- Receive results immediately after exam
Background Check Requirements
Washington requires fingerprint-based background check for all insurance license applicants:
Background Check Process
- When: After passing exam, before license issued
- Cost: Approximately $36
- Results: Submitted electronically to OIC
- Processing: May take 2-4 weeks
Disqualifying Factors
OIC considers criminal history when evaluating license applications:
- Crimes involving fraud, dishonesty, or breach of trust
- Felonies substantially related to insurance activities
- Recent convictions (time elapsed matters)
- Pattern of criminal behavior
- Failure to disclose criminal history on application
License Types and Lines of Authority
| Line of Authority | What You Can Sell |
|---|---|
| Property | Fire, homeowners, commercial property |
| Casualty | Liability, auto, workers' comp, surety |
| Personal Lines | Auto and homeowners only |
| Surplus Lines | Non-admitted insurer products |
Resident vs. Non-Resident
- Resident License: Primary license for Washington residents
- Non-Resident License: For producers licensed in another state
- Reciprocity: Washington has reciprocity with most states
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