Getting your New Jersey property and casualty license is the first step toward becoming a P&C insurance agent in New Jersey.

The New Jersey Department of Banking and Insurance requires you to complete a five-step process to obtain your property & casualty license – from taking the P&C insurance exam to applying for a P&C license.

These steps will take a few weeks to complete so we recommend you bookmark this page so you can use it as a reference throughout the process.

Property and Casualty Insurance License New Jersey

Obtaining your New Jersey P&C license is easy. Just follow these five simple steps to start your journey toward becoming a property and casualty insurance agent. Once you earn this license, check out our guide on how to get your New Jersey life insurance license as well.

Step 1: Complete a New Jersey Pre-License Education Course

Before you take the New Jersey P&C insurance licensing exam, it’s important to make time to acquire the knowledge you’ll need to pass this exam on your first attempt. Completing a pre-license education course will equip you with the necessary information and tools you’ll need to prepare for your exam.

In New Jersey, you must take a 40-hour, pre-license education course on property and casualty insurance. New Jersey requires that three of those pre-license education hours focus on ethics coursework. After completing the course, you’ll need to present a valid photo ID and an original certificate of completion from the approved pre-licensing education provider when you arrive to take your licensing exam. The pre-license course certificate will remain valid for 12 months.

A pre-license education course provides very specific industry knowledge that insurance professionals will encounter during the exam. There are very few questions on this test that you can answer with “common sense” information.

You can complete insurance licensing courses on your own schedule and at your own pace when you choose online courses. Taking a pre-license education course will also give you a solid understanding of your duties as a P&C insurance agent.

Step 2: Take the New Jersey Licensing Exam

After you complete a pre-licensing education course and/or your own independent study, it’s time to take the New Jersey P&C license exam.

New Jersey uses PSI as its official testing service for delivering licensure exams.

The New Jersey P&C insurance exam:

• Includes a total of 112 scored questions that cover seven sections:

1. Types of Property Policies
2. Types of Casualty Policies
3. Property and Casualty Insurance Terms and Related Concepts
4. Property and Casualty Policy Provisions and Contract Law
5. New Jersey Laws, Rules, and Regulations Common to Life, Accident and Health, Property, and Casualty Insurance
6. New Jersey Laws, Rules, and Regulations Pertinent to Property Insurance Only
7. New Jersey Laws, Rules, and Regulations Pertinent to Casualty Insurance Only

• Gives you 210 minutes to complete the test. The exam is a proctored test, meaning an official proctor will closely monitor you in a controlled environment.
• Costs $38, a fee you must pay at the time of reservation by credit card, debit card, or voucher.

Passing the New Jersey P&C license exam can prove challenging, but taking an exam prep course and following a good study program can help prepare you to pass on your first attempt. If you happen to fail the New Jersey P&C insurance exam, you can schedule a time to retake it as soon as 24 hours after your first attempt.

Step 3: Get a Fingerprint-Based Background Check

After you take the New Jersey P&C license exam, you must get a fingerprint-based background check fromIdentoGO. The fee for fingerprinting services is $66.05 to cover the cost of comparing your prints against criminal history records.

To set up a fingerprinting appointment, go to the IdentoGO website or call (877) 503-5981. Use service code 2F16Y3 when making your appointment.

At your fingerprinting appointment, you’ll receive a receipt. Don’t throw it away! Keep the original receipt for your records and attach a copy to the license application you submit to the New Jersey Department of Banking and Insurance.

You must complete your fingerprint-based background check and then submit a license application within one year of passing the P&C licensing exam or you’ll need to retake the exam.

Step 4: Complete a New Jersey License Application

Once you pass the P&C insurance exam and complete a fingerprint-based background check, you can apply for your P&C insurance license.

In New Jersey, you must apply online via the NIPR. The application fee is $170 and the transaction fee is $5.60.

The New Jersey Department of Banking and Insurance will issue a P&C insurance license to individuals who are at least 18 years old and have passed the proper licensing exam. You should submit your completed license application within 12 months of passing the exam.

To apply for a P&C insurance license in New Jersey, make sure you comply with the insurance licensing requirements as defined under the New Jersey Administrative Code.

If you have any questions or need to forward supporting documents related to your license application, send them to inslic@dobi.nj.gov.

Congratulations!

You’re now ready to get started as a P&C insurance agent in New Jersey.

Next Steps After Securing Your New Jersey Property and Casualty Insurance License

Once you complete the above steps and have your New Jersey P&C insurance license, here’s what you should pursue next.

Get a Job in the Insurance Field

Once you hold a P&C license, you can consider several different insurance-related careers. The P&C license gives you authorization within your state to sell P&C insurance policies and related products that’ll provide financial protection to your clients against loss or damage.

You can find P&C insurance job postings on our Insurance Jobs Board.

When applying for an insurance-related job, potential employers will request your license number and National Producer Number (NPN). You can request a letter of certification, which proves you have a P&C license in New Jersey, by visiting the Sircon website. You may need to submit this letter along with your job applications.

Complete Continuing Education and Renew Your License

In New Jersey, you must take 24 hours of continuing education (CE) courses every two years to renew your P&C license. New Jersey CE requirements state that three of those hours must focus on ethics/consumer protection and at least 12 of the total 24 hours taken as “classroom” or “classroom-equivalent” courses.

If you have a non-resident license with good standing in your home state, you don’t need to take CE courses in New Jersey.

To avoid delays in renewing your license, you must complete the required CE hours at least 30 days before your license expires. The renewal fee is $150 and the late fee is $250.

You can’t renew your license until you complete your CE hours and pay any outstanding fines.

For more detailed information, check out how to renew your license with our New Jersey insurance license renewal guide.

New Jersey Department of Banking and Insurance Contact Information

Mailing Address:

Insurance Division
20 West State Street
P.O. Box 325
Trenton, NJ 08625

Phone: (609) 292-7272

Email: inslic@dobi.nj.gov

Website: http://www.nj.gov/dobi

License Search: New Jersey Insurance License Search