Property and Casualty Insurance License - The Basics

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What is a Property and Casualty Insurance License

A career selling insurance can be extremely lucrative, but it all depends on which lines you choose to represent. You can choose to become a specialist and sell very focused products to people or businesses, or you can take an insurance license exam for a broader field and get involved in a variety of coverage types.

For those people looking to take the proper steps to becoming a more universal insurance agent, there is the career of a property and casualty insurance licensed professional. It is always a good idea to be licensed in as many insurance disciplines as possible to make yourself more attractive as a sales professional, and to be able to offer comprehensive solutions to your clients. We can help you meet the requirements of becoming a licensed property and casualty insurance professional, which will go a long way towards enhancing your career prospects.

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What Is Property And Casualty Insurance?

Property and casualty insurance covers a broad range of products that are designed for personal and commercial clients. While the products cover a wide variety of areas, they are all designed to protect the client from financial issues that could come from any kind of damage or injury caused to others.

When we prepare you for the insurance license exam for property and casualty lines, we go through the entire spectrum of coverage types that are offered. We give you comprehensive information that you will need to understand each field and pass the general property and casualty exam.

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What Fields Are Included In Property And Casualty Insurance?

A property and casualty insurance license will allow you to sell:

  • Personal auto insurance
  • Personal homeowners insurance
  • Personal flood protection
  • Personal earthquake insurance
  • Personal umbrella liability insurance
  • Workers' compensation insurance
  • Commercial auto insurance
  • Commercial liability insurance
  • Commercial property insurance

Within the fields personal and commercial property insurance, there is a series of subcategories of insurance that you will also be licensed to sell. Those fields include:

  • Builder's risk coverage
  • Boiler and machinery protection
  • Glass coverage
  • Ordinance insurance to make sure a property is rebuilt to code
  • Inland marine insurance
  • Crime protection
  • Business interruption coverage
  • Fidelity bonds primarily for contractors
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What Does It Mean To Be A Licensed Property And Casualty Insurance Agent?

As a licensed property and casualty insurance agent, you will have many responsibilities to your clients and your agency. Your job will be to talk to clients individually and determine how the products you sell can meet their needs. Each client is different and each situation is unique, which means that you will need to have a comprehensive understanding of all of the commercial and personal lines you offer.

The process to becoming a successful property and casualty insurance professional starts with the steps you take with us to pass your insurance license exam. We will walk you through all of the requirements for becoming a licensed agent, and then we will help you to prepare for your licensing test.

As we help you through the process, we give you valuable information you will need to be able to do your job once you pass the test. We not only provide you with the information you need to pass your test, but we also provide you with much of the information you will need to build a solid foundation to your career

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What Types Of Customers Need Property And Casualty Insurance?

One of the benefits our customers enjoy when they become licensed property and casualty insurance agents is the broad range of personal and commercial clients they can choose from. Anyone who buys a car or runs a business will need your property and casualty insurance products. As a licensed agent, it will be your job to find ways to bring together your client's needs into one policy that will make everything easier for you and the client.

To be an effective property and casualty insurance agent, you need to become involved in your community. Since you can draw clients from every aspect of the population, you would become an insurance resource for your area. You can offer your services to speak at public functions, give presentations to corporations, and have regular appointments with personal lines clients looking to buy insurance. Your success as a property and casualty professional revolves around your ability to make yourself available to all elements of the community to answer questions and solve problems.

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Is There A Career Path For Property And Casualty Insurance?

Since the property and casualty insurance field is so broad, your career can be whatever you make it. Your products will apply to any consumer or business in your area, so your career path can be as elite as you want it to be. We will give you all of the information you need to deliver solutions to your clients, and you will take that information and establish a professional name for yourself in your area.

It is also good to remember that you can hold as many insurance licenses as you want. When you start finding success with property and casualty, you may want to start thinking about getting your health and life insurance license as well. The proactive insurance agent makes their own career path. With a field such as property and casualty, you are able to explore a wide variety of career options as you build and maintain your customer base.

One of the first steps you should make in your pursuit of a property and casualty insurance license is to check out our resources and read up on the requirements for taking the licensing test. We have all of the information you need to prepare for your test, and we also have plenty of information to help you get your career off to a strong start.

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Any Information on this site is not guaranteed or warranted to be correct, accurate, or up to date. Huge Hammer LLC and its members and affiliates are not responsible for any losses, monetary or otherwise. For more information, please contact your state's authority on insurance.

Disclosure: StateRequirement has an affiliation with Kaplan Education company, and may receive compensation based on user activity on this site. We truly believe that Kaplan offers excellent products and services, and compliments the mission of StateRequirement.