How to Get a Property and Casualty License in Rhode Island

Written by: Mary Gerardine

Cartoon woman holding Rhode Island property and casualty license

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

    The Rhode Island Department of Business Regulation requires you to complete a six-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.

     

    How to Get Your Rhode Island Property and Casualty Insurance License

    1. Complete a Rhode Island Pre-License Education Course (ExamFX – $189+)
    2. Take the Rhode Island Licensing Exam (Pearson VUE – $80)
    3. Complete a Rhode Island License Application (National Insurance Producer Registry (NIPR) – $120 application fee + $5.60 transaction fee)
    4. Get a Fingerprint-Based Background Check (Rhode Island Attorney General’s Bureau of Criminal Identification and Investigation (BCI) – $5 for the state background check + $35 for the national background check)
    5. Submit Your Background Check Information and Exam Score
    6. Watch for Your Application Results

     

    Steps to Get a Rhode Island Property and Casualty Insurance License

    Obtaining your Rhode Island P&C license is easy. Just follow these six 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 Rhode Island life insurance license as well.

     

    Step 1: Complete a Rhode Island Pre-License Education Course

    Before you take the Rhode Island 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.

    While Rhode Island doesn’t have any formal pre-license education requirements, most insurance professionals opt to take a pre-license education course online. Pre-license education courses are self-paced and include study materials like practice exams and flashcards. Others purchase books or self-study materials to prepare themselves for the exam.

    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.

    Recommended Course

    For Rhode Island insurance pre-license education courses and exam prep, StateRequirement recommends: ExamFX


    For 10% off, use code examfx@staterequirement.com at checkout!

     

    Step 2: Take the Rhode Island Licensing Exam

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

    Rhode Island uses Pearson VUE as its official testing service for delivering licensure exams. Rhode Island offers separate exams for property producer and casualty producer exams. You can take two of these major lines (P&C) in one exam session.

    The Rhode Island P&C insurance exam:

    • Includes 76 scored questions (property producer exam) and 82 scored questions (casualty producer exam) that cover two sections: general and state-specific knowledge. The general sections deal with basic property and casualty insurance product knowledge. The state-specific sections cover P&C insurance concepts and terms, rules, regulations, and practices specific to Rhode Island.
    • Gives you 120 minutes to complete each test for a total of 240 minutes. The exam is a proctored test, meaning an official proctor will closely monitor you in a controlled environment.
    • Costs $80, a fee you must pay at the time of reservation by credit card, debit card, or voucher. If you schedule a time to take both the property producer and casualty producer exams back to back, you get one major line exam fee-free of charge.

    Passing the Rhode Island 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 Rhode Island P&C insurance exam, you must wait 24 hours after your first attempt before you may schedule your reexamination.

    Tip:

    Check out our in-depth insurance exam guide for tips to help you pass on the first attempt.

     

    Step 3: Complete a Rhode Island License Application

    Once you pass the P&C insurance exam, you can apply for your P&C insurance license.

    In Rhode Island, you must apply online via the NIPRThe application fee is $120 and the transaction fee is $5.60.

    The Rhode Island DBR 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 Rhode Island, make sure you comply with the insurance licensing requirements as defined under the Rhode Island Insurance Code.

    If you have any questions or need to forward supporting documents related to your license application, send them to DBR.Insurance@dbr.ri.gov.

     

    Step 4: Get a Fingerprint-Based Background Check

    After you apply for your Rhode Island P&C insurance license, you must get a fingerprint-based background check from the Rhode Island Attorney General’s BCIThe fee for fingerprinting services is $5 for the state background check and $35 for the national background check.

    To set up a fingerprinting appointment, go to the Rhode Island Attorney General’s BCI website and click on the “Background Checks” link in the left-hand menu.

    At your fingerprinting appointment, you’ll receive a receipt. Keep the original receipt for your records and so you can send a copy to the Rhode Island DBR. See the next step for more details about this.

     

    Step 5: Submit Your Background Check Information and Exam Score

    After submitting your license application to the state, you’ll receive an email from the Rhode Island DBR requesting your background check information and your exam score report.

    You must scan these documents and send the files as attachments in a reply email.

     

    Step 6: Watch for Your Application Results

    After you complete the previous five steps, the Rhode Island DBR will review your application and background check. The process usually takes 10 business days from the date you submit your application.

    Once the Rhode Island DBR finishes reviewing your application, background check information, and exam score, it’ll email you with its decision or ask you to provide more information.

    You can print your license from the National Association of Insurance Commissioners (NAIC) State Based Systems (SBS) License Manager page. There’s no charge to create an account or print a license. Find your license number by using the NAIC SBS Lookup Search tool.

     

    Congratulations!

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




    Next Steps After Securing Your Rhode Island Property and Casualty Insurance License

    Once you complete the above steps and have your Rhode Island 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).

     

    Complete Continuing Education and Renew Your License

    In Rhode Island, you must take 24 hours of continuing education (CE) courses every two years to renew your P&C license. Rhode Island CE requirements state that three of those hours must focus on ethics.

    If you have a non-resident license that meets the CE requirements in your home state, you don’t need to take CE courses in Rhode Island.

    You must complete the required CE hours at least 90 days before your license expires. You must apply for your license renewal via the NIPRThe renewal fee is $120 and the late fee is $170.

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




    Rhode Island Department of Business Regulation Contact Information

    Mailing Address:

    Insurance Division
    1511 Pontiac Avenue 
    Cranston, RI 02920

    Phone: (401) 462-9520

    Fax: (401) 462-9602

    Email: DBR.Insurance@dbr.ri.gov 

    Website: https://dbr.ri.gov/divisions/insurance/

    License Search: Rhode Island Insurance License Lookup




    Rhode Island Property and Casualty License FAQ

    How much does it cost to get a property and casualty insurance license in Rhode Island?

    The total cost of getting a property and casualty (P&C) insurance license in Rhode Island is at least $434.6, but can reach nearly $500 based on the type of pre-license education course you choose.

    The costs include:

    • Insurance Pre-license Education Course Fee: $189+ via ExamFX
    • Exam Fee: $80 via Pearson VUE 
    • Application Fee: $120 + $5.60 transaction fee via the NIPR
    • Fingerprint-Based Background Check Fee: $5 for the state background check + $35 for the national background check via the Rhode Island Attorney General’s BCI

     

    How long does it take to process a property and casualty insurance license application in Rhode Island?

    This process typically takes 10 business days. You’ll receive an email once the Rhode Island DBR reviews your application.

     

    Can I get a temporary property and casualty insurance agent license in Rhode Island?

    No. Rhode Island has currently ceased providing temporary licenses to insurance producers.

     

    Can I get an emergency property and casualty insurance agent license in Rhode Island?

    No. Rhode Island doesn’t provide emergency P&C licenses.

     

    What can I sell with a property and casualty insurance license in Rhode Island?

    With a Rhode Island P&C license, you can sell insurance products like homeowners insurance, renters insurance, auto insurance, general liability insurance, and workers’ compensation policies.

     

    How much can you make with a property and casualty insurance license in Rhode Island?

    According to ZipRecruiter, P&C insurance agents earn an average salary of between $30,000 and $44,500+ per year. P&C insurance agents who sell homeowners and auto insurance also can earn a 5 percent to 20 percent commission based on policy premiums.

     

    What are the limitations of a Rhode Island property and casualty insurance license?

    Unless you have multiple licenses to sell various types of insurance products, having a Rhode Island P&C license only gives you the authority to negotiate and sell P&C insurance policies. You’ll need additional licenses to sell other types of insurance.

     

    Can I cancel my property and casualty license in Rhode Island?

    Yes. To cancel your license, email an attached letter with your name, license number, and signature to DBR.Insurance@dbr.ri.gov.

     

    How hard is it to get a property and casualty insurance license in Rhode Island?

    The process is quite simple! Follow the steps above and get started today!




    Ready for more?


    Start Studying

    Learn More




    Information on this page has been gathered by a multitude of sources and was most recently updated in July 2022.

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

    When readers purchase services discussed on our site, we often earn affiliate commissions that support our work. Learn More