Virginia Property & Casualty Insurance License Practice Exam
Series 11-03: 135 scored questions, 2.5 hours, 70% required on both sections independently. Covers Virginia auto minimums 50/100/25, the SCC Bureau of Insurance, and Title 38.2.
Virginia Property & Casualty — Study by Topic
Focus on Virginia state law (graded independently at 70%) or drill national concepts. Full 135-question timed exam available.
Property Insurance
Homeowners (HO forms), dwelling, commercial property, inland marine, fire, open vs. named perils, ACV vs. replacement cost.
Casualty & Liability
Auto insurance, CGL, workers' comp, umbrella, bonds, commercial auto, professional liability, employers' liability.
Virginia State Law
SCC Bureau of Insurance, Title 38.2, auto minimums 50/100/25, cancellation rules, VA guaranty association, unfair practices.
P&C Concepts
Contract law, insurable interest, subrogation, indemnity, ACV, pro rata vs. short-rate, coinsurance, underwriting principles.
🌟 Full VA P&C Exam
135-question timed exam simulating the real Prometric Series 11-03. 2 hrs 30 min. 70% on each section to pass.
About the Virginia Property & Casualty Insurance Exam (Series 11-03)
To get your Virginia Property & Casualty insurance license, you must pass the state licensing exam administered by PSI Services LLC with a passing score of 70% each section independently. Exam fee: $55. Virginia is regulated by the Virginia State Corporation Commission Bureau of Insurance (SCC BOI) under Code of Virginia Title 38.2. Visit scc.virginia.gov/boi for official licensing information. Dual-section 70% each independently; SCC BOI; 16 hrs CE biennial; no pre-licensing; 25/50/20 auto; at-fault; modified comparative negligence; Virginia FAIR Plan; Virginia Workers Compensation Act (VWC); Commissioner appointed; PSI Bridge available.
Pre-licensing education in Virginia: None required. Continuing education: 16 hours biennial (lower than most portfolio states). License renewal fee: biennial. CE must be completed before submitting your Virginia renewal application. How to get licensed in Virginia: complete pre-licensing → submit background check/fingerprinting → pass PSI Services LLC exam → apply for Virginia producer license.
How to get a Virginia Property & Casualty insurance license in 2026: The Virginia State Corporation Commission Bureau of Insurance (SCC BOI) (scc.virginia.gov/boi) administers all producer licensing in Virginia. Exam: PSI Services LLC, $55, 70% each section independently. Pre-licensing: None required. Once licensed, maintain your Virginia Property & Casualty license by completing 16 hours biennial (lower than most portfolio states) and paying the biennial renewal. For questions contact the Virginia State Corporation Commission Bureau of Insurance (SCC BOI).
SCC BOI (scc.virginia.gov/boi). Title 38.2. Dual-section 70% each independently. 16 hrs CE biennial. No pre-licensing. 25/50/20 auto at-fault. Modified comparative negligence. Virginia FAIR Plan. VWC (Workers Compensation Act). PSI Bridge available.
Frequently Asked Questions — Virginia Life & Health Exam
How do I get a Virginia Property & Casualty insurance license?
To become a licensed Property & Casualty producer in Virginia: (1) Complete any required pre-licensing education (None required); (2) Submit your application and complete the background check/fingerprinting process; (3) Pass the PSI Services LLC exam ($55, 70% each section independently); (4) Apply for your Virginia producer license. The Virginia State Corporation Commission Bureau of Insurance (SCC BOI) (scc.virginia.gov/boi) oversees all insurance producer licensing in Virginia.
What exam does Virginia use for Property & Casualty insurance licensing?
Virginia uses PSI Services LLC to administer the Property & Casualty insurance licensing exam. Fee: $55. Passing score: 70% each section independently. Dual-section 70% each independently; SCC BOI; 16 hrs CE biennial; no pre-licensing; 25/50/20 auto; at-fault; modified comparative negligence; Virginia FAIR Plan; Virginia Workers Compensation Act (VWC); Commissioner appointed; PSI Bridge available.
Does Virginia require pre-licensing for Property & Casualty insurance?
None required. For official pre-licensing provider information, visit scc.virginia.gov/boi.
What are Virginia's CE requirements for Property & Casualty producers?
Virginia requires: 16 hours biennial (lower than most portfolio states). Renewal fee: biennial. CE must be completed before submitting the renewal application. Contact the Virginia State Corporation Commission Bureau of Insurance (SCC BOI) at scc.virginia.gov/boi for CE provider information.
What makes Virginia unique for Property & Casualty insurance licensing?
Dual-section 70% each independently; SCC BOI; 16 hrs CE biennial; no pre-licensing; 25/50/20 auto; at-fault; modified comparative negligence; Virginia FAIR Plan; Virginia Workers Compensation Act (VWC); Commissioner appointed; PSI Bridge available.
Practice Exam Questions — Virginia Property & Casualty
5 state-specific questions drawn from the Virginia exam content outline. Correct answer highlighted in green.
Virginia auto minimums are:
- 25/50/25
- 25/50/10
- 25/50/20 — at-fault state; Virginia uses contributory negligence (similar to NC) — plaintiff even 1% at fault cannot recover
- 15/30/10
Virginia Workers' Compensation is:
- Monopolistic — all WC through the Virginia WC Commission fund
- Competitive — employers purchase WC from licensed private carriers or self-insure; Virginia Workers' Compensation Commission (VWC) administers claims
- Optional for Virginia employers
- Administered through the SCC BOI directly
Virginia's SCC BOI is unique because:
- SCC BOI is the same as a typical state insurance department
- Commissioner appointed by SCC Judges (not Governor); the SCC is an independent constitutional body; the agency is the 'Bureau of Insurance' within the SCC rather than a standalone 'Department of Insurance' — unique structure in portfolio
- SCC BOI is a federal agency
- SCC BOI reports to the Governor's cabinet
Virginia's 16-hour CE requirement compared to other dual-section states:
- All dual-section states require 24 CE hours
- Virginia: 16 CE hours biennial (lowest dual-section state); Oklahoma: 24 hrs + 3 ethics + 2 state updates (highest); Maryland: 24 hrs + 3 ethics; Utah: 24 hrs + 3 ethics + 12 classroom minimum
- All dual-section states require 30 CE hours
- Virginia has the same 24-hour requirement as Maryland
Virginia's primary P&C statute is:
- Code of Virginia Title 46.2 — Motor Vehicles only
- Code of Virginia Title 38.2 — Insurance; SCC BOI at scc.virginia.gov/boi; Commissioner appointed by SCC Judges; Tyler Building, 1300 E. Main Street, Richmond VA 23219; 16 CE hrs biennial; dual-section 70% each; PSI Bridge; no pre-licensing
- Virginia Administrative Code Title 14
- Code of Virginia Title 2.2 — Administration of Government