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 and fingerprinting, financial responsibility law, workers' compensation and 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
The Ohio Property and Casualty insurance agent exam (Series 11-36) is administered by PSI Services LLC for the Ohio Department of Insurance (ODI). Ohio licenses Property, Casualty and Personal Lines as separate lines of authority, and Property and Casualty are tested together on one combined exam. Resident applicants complete 20 hours of pre-licensing education for each line, so a combined exam requires two course certificates (Ohio Adm.Code 3901-5-09), and new resident applicants also submit fingerprints for BCI and FBI criminal records checks (Ohio Revised Code Section 3905.051). Since March 13, 2026, PSI no longer offers remote proctored Ohio exams, so the exam is taken in person at a PSI test center.
The exam has 150 questions with 2.5 hours to finish, and the minimum passing score is 70%. The Candidate Information Bulletin says a few questions may be unscored experimental items, which still count against exam time. The exam fee is $49, paid when you reserve and valid for one year. The 10-section outline is weighted by percentage, with Property and Casualty Basics (16%), Homeowners (14%) and Auto Insurance (14%) the largest sections.
Ohio Property & Casualty Insurance Exam Topic Breakdown
| Section | Questions / Weight | Key Topics |
|---|---|---|
| OH — 1. Insurance Regulation | 10% | Licensing, disciplinary actions, state and federal regulation, agent regulation, unfair practices |
| 2. General Insurance | 9% | Risk concepts, types of insurers, agency, contract law |
| 3. Property and Casualty Insurance Basics | 16% | Principles, negligence and liability, policy structure, common provisions, Ohio laws |
| 4. Dwelling ('14) Policy | 6% | Eligibility, perils, coverages, exclusions, conditions, endorsements |
| 5. Homeowners ('22) Policy | 14% | Coverage forms, property and liability coverages, perils, exclusions, conditions, endorsements |
| OH — 6. Auto Insurance | 14% | Ohio financial responsibility law, uninsured and underinsured motorist coverage, personal and commercial auto policies, motor carrier rules |
| 7. Commercial Package Policy | 12% | Common declarations and conditions, general liability, commercial property, crime, inland marine, equipment breakdown, farm coverage |
| 8. Businessowners ('13) Policy | 8% | Property, liability, common conditions, endorsements |
| OH — 9. Workers' Compensation | 4% | Ohio law, federal laws, policy parts, rating factors |
| 10. Other Coverages and Options | 7% | Umbrella and excess, specialty liability, surplus lines, surety bonds, aviation and marine, flood, residual markets |
Weights are from the Series 11-36 content outline in the Ohio Department of Insurance and PSI Candidate Information Bulletin (updated March 2026). The bulletin gives percentages of the 150 questions, not question counts per section.
What Makes the Ohio Property & Casualty Exam Different
One combined exam for two lines. Property and Casualty are separate lines of authority in Ohio, but Series 11-36 tests both at once, so you present two 20-hour course certificates. Personal Lines is its own line with its own 20-hour course.
The outline names policy editions. Series 11-36 is written around the Dwelling ('14), Homeowners ('22) and Businessowners ('13) policies, so study the current forms rather than older editions.
Ohio's auto minimums are 25/50/25. A financial responsibility policy must cover at least $25,000 for injury to or death of one person, $50,000 for two or more persons in one accident, and $25,000 for property damage (Ohio Revised Code Section 4509.20). No person may operate or permit the operation of a motor vehicle without proof of financial responsibility (Ohio Revised Code Section 4509.101).
Uninsured and underinsured motorist coverage is not mandatory in the policy. An Ohio automobile policy may, but is not required to, include uninsured motorist coverage (Ohio Revised Code Section 3937.18).
Workers' compensation runs through the state fund. Employers pay premiums into the state insurance fund or, with the administrator's approval, self-insure by showing sufficient financial and administrative ability (Ohio Revised Code Section 4123.35). The workers' compensation section is only 4% of the exam.
Fingerprints and a short clock. New resident applicants submit BCI and FBI fingerprints (Ohio Revised Code Section 3905.051), course certificates are valid for 180 calendar days, and you must apply within 180 calendar days of passing the exam (Ohio Adm.Code 3901-5-09).
Sample Ohio Property & Casualty Insurance Exam Questions
1. What are the minimum financial responsibility limits for bodily injury and property damage in Ohio?
2. Under Ohio law, what must an automobile liability policy include with respect to uninsured motorist coverage?
3. How may an Ohio private employer generally meet its workers' compensation obligation under Ohio Revised Code Section 4123.35?
Study Tips for the Ohio Property & Casualty Exam
The three largest sections, Property and Casualty Basics (16%), Homeowners (14%) and Auto Insurance (14%), make up 44% of the exam. Learn the structure of the Homeowners ('22) form, the Ohio financial responsibility law and the auto policy parts first.
Commercial coverage is a large block: the Commercial Package Policy (12%) and Businessowners (8%) sections together are 20%. Review common policy conditions, commercial property, general liability, crime and inland marine.
Memorize the Ohio numbers the outline points to: 25/50/25 auto minimums, the optional nature of uninsured and underinsured motorist coverage, and workers' compensation through the state fund or approved self-insurance.
Also licensing in life or health? See our Ohio Life & Health practice exam. National content is in our property and casualty practice exam, and our insurance license exam study guide covers exam strategy.
How to Get Your Ohio Property & Casualty Insurance License
There are four steps to get your Ohio insurance agent license for the Property and Casualty lines.
Steps to Get Your Ohio Property & Casualty Insurance License
| Step | What to Do |
|---|---|
| 1. Pre-Licensing Education | Complete a 20-hour course from an ODI-approved provider for each line, Property and Casualty. Each line gets its own certificate, valid for 180 calendar days. Holders of listed designations such as CPCU, AAI or ARM, or an insurance degree, may request a waiver. |
| 2. Reserve the Exam | Reserve Series 11-36 with PSI online, by phone at 855-807-3995 or by fax, and pay the $49 fee at reservation. You will enter your pre-license provider and course completion dates. Exams are taken in person at a PSI center. |
| 3. Pass and Get Fingerprinted | Answer 150 questions in 2.5 hours and score at least 70%. Complete fingerprinting through a National WebCheck vendor, including the PSI centers, so BCI and FBI results reach ODI. |
| 4. Apply and Maintain | Apply through NIPR LicenseHub within 180 calendar days of passing. The application fee for Property and for Casualty is $10. Renew every two years with 24 CE hours, including 3 on ethics. |
Ohio Property & Casualty Insurance License Requirements at a Glance
| Requirement | Detail |
|---|---|
| Lines of authority | Property; Casualty (separate lines, one combined exam); Personal Lines is a separate line |
| Exam | Series 11-36, Property and Casualty Insurance Agent |
| Questions | 150, including a few unscored experimental items |
| Time limit | 2.5 hours |
| Passing score | 70% |
| Pre-license education | 20 hours per line, one certificate per line |
| Fingerprinting | Required for resident applicants (Ohio Revised Code Section 3905.051) |
| Exam provider | PSI Services LLC (in-person only since March 13, 2026) |
| Exam fee | $49, paid at reservation, valid for one year |
| Auto liability minimums | $25,000 / $50,000 / $25,000 (Ohio Revised Code Section 4509.20) |
| Retakes | No limit; no retest on the same day as an exam |
| License application fee | $10 for Property and for Casualty, plus a NIPR transaction fee |
| Continuing education | 24 hours every two years, including 3 on ethics |
| Licensing authority | Ohio Department of Insurance |
Verified against the Ohio Department of Insurance pages, its PSI Candidate Information Bulletin (updated March 2026), Ohio Adm.Code 3901-5-09 and Ohio Revised Code Sections 3905.051, 3937.18, 4123.35, 4509.101 and 4509.20. Fees and rules change; confirm current figures with ODI and PSI before you apply.
Our free Ohio Property & Casualty practice exam covers general and Ohio content. You can also try the national property and casualty practice exam or the insurance license exam study guide.
Interested in where this license leads? See our guide to insurance careers — including salary ranges, how to break in, and what the career looks like day to day.
Frequently Asked Questions — Ohio Property & Casualty Insurance Exam
How many questions are on the Ohio Property and Casualty exam?
Series 11-36 has 150 questions and allows 2.5 hours. The bulletin says a few questions may be unscored experimental items, which count against exam time.
Do I take one exam or separate exams for Property and Casualty in Ohio?
One combined exam, Series 11-36. The two are still separate lines of authority, so you complete a 20-hour course and hold a certificate for each line. Personal Lines is a separate line with its own 20-hour course.
What is the passing score for the Ohio insurance exam?
The minimum passing score for the Property and Casualty exam is 70%, according to the ODI and PSI Candidate Information Bulletin.
How many pre-licensing hours does Ohio require?
20 hours for each of Property and Casualty, from an ODI-approved provider. Certificates are valid for 180 calendar days, and degree or designation holders may request a waiver.
Does Ohio require fingerprints for an insurance license?
Yes for resident applicants. Ohio Revised Code Section 3905.051 requires BCI and FBI fingerprint checks, done through a National WebCheck vendor. Participating vendors cap the total at $72.25, and the check does not apply to renewals.
What are Ohio's minimum auto liability limits?
Ohio Revised Code Section 4509.20 sets $25,000 for injury to or death of one person, $50,000 for two or more persons in one accident, and $25,000 for property damage.
Can I take the Ohio exam online?
No. ODI states that remote proctored exams ended on March 13, 2026, and exams continue in person at PSI testing locations.
What are the continuing education requirements in Ohio?
Resident major lines agents complete 24 CE hours every two years, including 3 hours of ethics, before submitting the renewal application. Up to 12 excess credits can carry over as general credit.
Practice Exam Questions — Ohio Property & Casualty
4 state-specific questions based on official sources. Correct answer highlighted in green.
Who administers the Ohio Property and Casualty agent exam?
- PSI Services LLC
- Pearson VUE
- Prometric
- The Ohio Department of Insurance itself
How much pre-licensing education does Ohio require for a resident Property and Casualty applicant?
- 20 hours per line
- 10 hours total
- 40 hours per line
- None for residents
Which Ohio Revised Code section sets the minimum bodily injury and property damage limits for financial responsibility?
- Section 4509.20
- Section 3905.051
- Section 3911.08
- Section 3923.04
How many continuing education hours must an Ohio major lines agent complete each renewal period?
- 24 hours, including 3 on ethics
- 16 hours, including 2 on ethics
- 12 hours annually
- 30 hours every three years