Ohio Property & Casualty Insurance License Practice Exam
150 practice questions covering national P&C concepts and Ohio-specific insurance statutes including BWC workers' comp.
Ohio P&C — Study by Topic
Drill individual domains or take the full 150-question practice exam.
Property Insurance
Homeowners (HO-3, HO-4, HO-6), dwelling policies, inland marine, NFIP flood, commercial property, BOP.
Casualty & Liability
CGL, umbrella, professional liability, Ohio BWC workers' comp, employers' liability, commercial auto, bonds.
Personal Auto
Ohio 25/50/25 minimums, Financial Responsibility Law, UM/UIM, assigned risk plan.
Ohio State Law
Superintendent authority, producer licensing, FAIR Plan, BWC monopoly, cancellation/nonrenewal rules, surplus lines.
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Full OH P&C Exam
National and Ohio-specific questions mixed to match the real PSI exam structure.
About the Ohio Property & Casualty Insurance Exam
To get your Ohio Property & Casualty insurance license, you must pass the state licensing exam administered by PSI Services LLC with a passing score of 70%. Exam fee: $40. Ohio is regulated by the Ohio Department of Insurance (ODI) under Ohio Revised Code Chapter 3901–3969. Visit insurance.ohio.gov for official licensing information. Commissioner appointed; IdentoGO fingerprinting; monopolistic WC state (Bureau of Workers Compensation — BWC); no private WC carriers allowed; 25/50/25 auto; Ohio FAIR Plan; PSI Bridge available; ORC Chapter 3901; 20-hr pre-licensing per line.
Pre-licensing education in Ohio: 20 hours per line. Continuing education: 24 hours biennial. License renewal fee: biennial. CE must be completed before submitting your Ohio renewal application. How to get licensed in Ohio: complete pre-licensing → submit background check/fingerprinting → pass PSI Services LLC exam → apply for Ohio producer license.
How to get a Ohio Property & Casualty insurance license in 2026: The Ohio Department of Insurance (ODI) (insurance.ohio.gov) administers all producer licensing in Ohio. Exam: PSI Services LLC, $40, 70%. Pre-licensing: 20 hours per line. Once licensed, maintain your Ohio Property & Casualty license by completing 24 hours biennial and paying the biennial renewal. For questions contact the Ohio Department of Insurance (ODI).
ODI (insurance.ohio.gov). ORC Chapter 3901-3969. MONOPOLISTIC WC (BWC — no private WC). 25/50/25 auto. Ohio FAIR Plan. IdentoGO fingerprinting. PSI Bridge. Large insurance hub in Columbus.
Frequently Asked Questions — Ohio P&C Insurance Exam
How do I get a Ohio Property & Casualty insurance license?
To become a licensed Property & Casualty producer in Ohio: (1) Complete any required pre-licensing education (20 hours per line); (2) Submit your application and complete the background check/fingerprinting process; (3) Pass the PSI Services LLC exam ($40, 70%); (4) Apply for your Ohio producer license. The Ohio Department of Insurance (ODI) (insurance.ohio.gov) oversees all insurance producer licensing in Ohio.
What exam does Ohio use for Property & Casualty insurance licensing?
Ohio uses PSI Services LLC to administer the Property & Casualty insurance licensing exam. Fee: $40. Passing score: 70%. Commissioner appointed; IdentoGO fingerprinting; monopolistic WC state (Bureau of Workers Compensation — BWC); no private WC carriers allowed; 25/50/25 auto; Ohio FAIR Plan; PSI Bridge available; ORC Chapter 3901; 20-hr pre-licensing per line.
Does Ohio require pre-licensing for Property & Casualty insurance?
20 hours per line. For official pre-licensing provider information, visit insurance.ohio.gov.
What are Ohio's CE requirements for Property & Casualty producers?
Ohio requires: 24 hours biennial. Renewal fee: biennial. CE must be completed before submitting the renewal application. Contact the Ohio Department of Insurance (ODI) at insurance.ohio.gov for CE provider information.
What makes Ohio unique for Property & Casualty insurance licensing?
Commissioner appointed; IdentoGO fingerprinting; monopolistic WC state (Bureau of Workers Compensation — BWC); no private WC carriers allowed; 25/50/25 auto; Ohio FAIR Plan; PSI Bridge available; ORC Chapter 3901; 20-hr pre-licensing per line.
Practice Exam Questions — Ohio Property & Casualty
5 state-specific questions drawn from the Ohio exam content outline. Correct answer highlighted in green.
Ohio auto minimums are:
- 15/30/10
- 25/50/25 — at-fault state; UM/UIM must be offered; no mandatory PIP; modified comparative negligence (51% bar)
- 25/50/10
- 30/60/25
Ohio Workers' Compensation monopolistic system means:
- Private WC carriers compete with Ohio BWC
- ALL Ohio employers must purchase WC from the Ohio BWC — private WC carriers are NOT permitted; Ohio is one of only a few monopolistic WC states nationally; BWC: bwc.ohio.gov
- WC is optional in Ohio for small employers
- Federal WC applies in Ohio
Ohio P&C fingerprinting compared to neighboring Indiana:
- Both use Fieldprint with the same code
- Ohio: IdentoGO (Ohio DOI code, submitted to Ohio BCI); Indiana: Gemalto (Indiana DOI code, separate scheduling); different vendors, both separate from exam
- Both use IdentoGO with the same code
- Ohio fingerprints at PSI on exam day; Indiana uses Gemalto separately
The Ohio Insurance Guaranty Association covers:
- Non-admitted surplus lines insolvencies
- Licensed admitted Ohio P&C member insurer insolvencies; governed by ORC Chapter 3955; surplus lines NOT covered; separate from Ohio L&H Guaranty Association (ORC 3956)
- Both P&C and L&H insolvencies in one fund
- Only homeowners and auto insurance failures
Ohio's primary P&C statute is:
- ORC Chapter 4503 — Motor Vehicle Registration
- ORC Chapters 3901-3969 — comprehensive Ohio Insurance Code covering P&C producer licensing, rate regulation, guaranty fund (Chapter 3955), unfair practices; ODI at insurance.ohio.gov; Commissioner appointed
- ORC Chapter 4123 — Workers' Compensation only
- Ohio Administrative Code Chapter 3901 only