Wisconsin Property & Casualty Insurance License Practice Exam
Wisconsin has separate Property and Casualty exams (plus Personal Lines), each with 100 questions in 2 hours and 70% to pass. 20 hours of pre-licensing per line and Fieldprint fingerprinting ($34.75). Auto liability minimums are 25/50/10.
Wisconsin Property & Casualty — Study by Topic
Drill Wisconsin state law (35 of the 100 questions on each exam are insurance regulation) or practice general P&C concepts. Property and Casualty are separate exams, each 100 questions in 2 hours.
Property Insurance
Homeowners (HO-3/HO-5), dwelling, commercial property, NFIP flood, inland marine, ACV vs. replacement cost, coinsurance.
Casualty & Liability
Auto, CGL, workers' compensation, umbrella, bonds, commercial auto, professional liability, WI auto minimums 25/50/10.
Wisconsin State Law
Wis. Stat. ch. 628 licensing and appointments, Insurance Security Fund, producer trust accounts, marketing practices, standard fire policy, auto financial responsibility, WWCIP workers' compensation pool.
P&C Concepts
Subrogation, indemnity, coinsurance, pro rata/short-rate, insurable interest at loss, certificate of insurance, waiver/estoppel, WI 25/50/10 auto.
🌟 Full WI P&C Practice
100-question timed practice modeled on each Wisconsin PSI exam (Property or Casualty). 2 hours. 70% to pass. Property and Casualty are separate exams. Auto 25/50/10.
About the Wisconsin Property & Casualty Insurance Exam
The Wisconsin Property and Casualty intermediary exams are administered by PSI Services for the Wisconsin Office of the Commissioner of Insurance (OCI). Wisconsin licenses Property, Casualty and Personal Lines as major lines, and PSI lists a separate exam for each (series 22-05, 22-07 and 22-09). Selling auto and homeowners insurance requires both Property and Casualty, or Personal Lines alone. Resident applicants complete 20 hours of approved pre-licensing education before the exam: 8 hours on principles of insurance, Wisconsin law and ethics, and 12 hours on policies, terms and line-specific law (Wis. Admin. Code s. Ins 26.04).
According to PSI's Wisconsin content outlines, each exam has 100 questions with a 2-hour limit, and 35 of the 100 questions cover insurance regulation. A few unscored experimental items are added on top. You need 70% to pass, the fee is $75 per exam, and you must apply for your license within 180 days of passing. You can retake a failed exam as often as needed, but not on the same day.
Wisconsin Property & Casualty Insurance Exam Topic Breakdown
| Section | Questions / Weight | Key Topics |
|---|---|---|
| WI — 1.0 Insurance Regulation (all exams) | 35 | Wis. Stat. ch. 628 licensing, renewal, CE and discipline; Commissioner powers; Insurance Security Fund; appointments; producer trust accounts; marketing practices; contract statutes; privacy; federal law; surplus lines; Property: standard fire policy and lender requirements; Casualty: auto financial responsibility, required coverages, workers' compensation pool |
| 2.0 General Insurance (Property and Casualty) | 8 | Risk and risk handling, insurers, producers and agency, contracts, utmost good faith, representations, warranties, waiver and estoppel |
| Property: 3.0 Property Insurance Basics | 13 | Insurable interest, underwriting, hazards, named versus special perils, loss valuation, policy structure, deductibles, coinsurance, subrogation, mortgage clause |
| Property: 4.0 Dwelling Policy | 4 | Basic, broad and special forms, Coverages A to E, exclusions, conditions, endorsements |
| Property: 5.0 Homeowners Policy | 18 | HO-2, HO-3, HO-4, HO-6 and HO-8 forms, Section I coverages A to D, perils, exclusions, conditions, endorsements |
| Property: 6.0 Commercial Package Policy | 9 | Commercial property, inland marine, equipment breakdown, farm coverage |
| Property: 7.0 Businessowners Policy | 9 | Section I property, optional coverages, selected endorsements |
| Property: 8.0 Other Coverages and Options | 4 | Boatowners, surplus lines, D&O, National Flood Program, mobile homes, earthquake, Wisconsin Insurance Plan |
| Casualty: 3.0 Casualty Insurance Basics | 13 | Insurable interest, underwriting, negligence, damages, liability, policy structure, limits, other insurance |
| Casualty: 4.0 Auto Insurance | 14 | Personal auto policy, commercial auto, Motor Carrier Act, Wisconsin Automobile Insurance Plan |
| Casualty: 5.0 Commercial Package Policy | 10 | Commercial general liability, claims-made versus occurrence, commercial crime, farm liability |
| Casualty: 6.0 Businessowners Policy | 10 | Section II liability, common conditions, hired and non-owned auto endorsement |
| Casualty: 7.0 Workers' Compensation Insurance | 5 | Workers' compensation laws, policy structure, premium computations, Wisconsin Compensation Rating Bureau |
| Casualty: 8.0 Other Coverages and Options | 5 | Umbrella and excess, specialty liability, surplus lines, surety bonds, boatowners |
Counts are from PSI's Wisconsin Property (22-05) and Casualty (22-07) content outlines, dated July 15, 2022, 100 questions each. Section 1.0 is the Wisconsin-specific part and includes federal law. The Personal Lines outline (22-09) has 100 questions: regulation 35, general insurance 5, property basics 20, dwelling 10, homeowners 10, auto 10 and other coverages 10. Each exam is taken separately.
What Makes the Wisconsin Property & Casualty Exam Different
Separate exams, plus Personal Lines. PSI lists Property (22-05), Casualty (22-07) and Personal Lines (22-09) as separate exams at $75 each, and the exam fee is valid for one year from payment. OCI says selling auto and homeowners insurance requires both Property and Casualty, or Personal Lines alone.
Auto liability and UM/UIM. The OCI Consumer's Guide to Auto Insurance states that Wisconsin's mandatory minimums are $25,000 for one person, $50,000 for two or more people and $10,000 for property damage. Uninsured motorist coverage is mandatory at $25,000/$50,000 for bodily injury; underinsured motorist coverage is not mandatory but must be offered, and if bought the limits must be at least $50,000/$100,000.
Pre-licensing is required. Each line needs 20 hours before the exam. The 8 hours on principles, Wisconsin law and ethics need not be repeated for another line if completed within 12 months. The certificate is valid for one year.
Designation exemptions. OCI exempts holders of AAI, ARM, CIC or CPCU from pre-licensing for Property, Casualty or Personal Lines. The request must be approved at least 90 days before the exam date, and OCI responds within 30 days.
Fieldprint fingerprinting. Residents are fingerprinted through Fieldprint ($34.75, code FPWIOCIInsurance). OCI does not accept paper prints from police departments or other vendors, fingerprints are valid for 180 days, and an application without them is held until the requirement is met.
Wisconsin-specific casualty topics. The Casualty outline names the Wisconsin Automobile Insurance Plan (WAIP), the Wisconsin Worker's Compensation Insurance Pool (WWCIP) and the Wisconsin Compensation Rating Bureau (WCRB), and the Property outline names the Wisconsin Insurance Plan (WIP).
Sample Wisconsin Property & Casualty Insurance Exam Questions
1. What are Wisconsin's mandatory minimum auto liability limits?
2. Which statement about uninsured (UM) and underinsured (UIM) motorist coverage on a Wisconsin auto policy is correct?
3. A Wisconsin applicant holds the CPCU designation. What does OCI allow for the Property or Casualty line?
Study Tips for the Wisconsin Property & Casualty Exam
35 of the 100 questions on each exam are Insurance Regulation, the single biggest section, and it also draws on federal law. Cover licensing and discipline under Wis. Stat. ch. 628, appointments, producer trust accounts, marketing practices and the Insurance Security Fund first, then the line-specific rules: the standard fire policy and lender requirements for Property, and auto financial responsibility and the workers' compensation pool for Casualty.
On the Property exam, the homeowners policy (18 items) and property basics (13) are the largest sections. On the Casualty exam, auto insurance (14) and casualty basics (13) lead, followed by the commercial package and businessowners policies at 10 each.
You need 70% overall, and PSI issues a score report once you end the exam and survey. The exam fee is valid for one year, but your 20-hour pre-licensing certificate is also valid for only one year, so schedule the exam soon after your course.
Also licensing in life or health? See our Wisconsin 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 Wisconsin Property & Casualty Insurance License
There are four steps to get your Wisconsin insurance intermediary license for the Property and Casualty lines.
Steps to Get Your Wisconsin Property & Casualty Insurance License
| Step | What to Do |
|---|---|
| 1. Pre-Licensing Education | Complete 20 hours from an approved provider for each line: 8 hours on principles, Wisconsin law and ethics, and 12 hours on line-specific material. Keep the certificate, which is valid for one year, or request a designation exemption at least 90 days before your exam. |
| 2. Schedule and Pass the Exam | Register with PSI and pay $75 per exam. Bring your pre-licensing certificate and one valid, unexpired photo ID that matches your registration name. You need 70% to pass. |
| 3. Get Fingerprinted | Book Fieldprint ($34.75) with code FPWIOCIInsurance. OCI recommends doing this before you submit your application; fingerprints are valid for 180 days. |
| 4. Apply Through NIPR | Submit your application 48 to 72 hours after passing and within 180 days of passing. The initial fee is $75 per line plus a $10 application fee for residents. Provide any required documents within 90 days. |
Wisconsin Property & Casualty Insurance License Requirements at a Glance
| Requirement | Detail |
|---|---|
| Lines of authority | Property; Casualty; Personal Lines (auto and homeowners need Property and Casualty, or Personal Lines alone) |
| Pre-license education | 20 hours per line: 8 on principles, Wisconsin law and ethics and 12 line-specific; certificate valid one year |
| Exam | Property (22-05), Casualty (22-07) and Personal Lines (22-09) are separate exams of 100 questions each, with unscored experimental items added |
| Time limit | 2 hours per exam (PSI Wisconsin content outlines) |
| Passing score | 70% |
| Exam fee | $75 per exam; not transferable and valid for one year from payment |
| Auto liability minimums | $25,000 per person, $50,000 per accident and $10,000 property damage (OCI Consumer's Guide to Auto Insurance) |
| UM / UIM | UM mandatory at $25,000/$50,000 bodily injury; UIM optional but must be offered, at least $50,000/$100,000 if bought |
| Retakes | No limit; you cannot test again on the same day as a failed attempt |
| Apply after passing | Within 180 days of passing; submit through NIPR 48 to 72 hours after the exam |
| Fingerprints | Fieldprint, $34.75, code FPWIOCIInsurance; valid for 180 days |
| License fees | $75 initial fee per line plus a $10 application fee (residents); $35 biennial renewal for residents |
| Continuing education | 24 hours per biennium, including 3 ethics; excess hours do not carry forward |
| Appointments | Prior to or within 15 days after the earlier of contract execution or the first application (Wis. Stat. s. 628.11) |
| Exam provider | PSI Services |
| Licensing authority | Wisconsin Office of the Commissioner of Insurance |
Verified against the PSI Wisconsin Candidate Information Bulletin (revised March 15, 2026), PSI's Wisconsin content outlines, OCI's license, pre-licensing, fingerprinting and continuing education pages, the Intermediary's Guide to Wisconsin Insurance Law and the OCI Consumer's Guide to Auto Insurance. Fees and requirements change; confirm current figures with OCI and PSI before you apply.
Our free Wisconsin Property & Casualty practice exam covers general and Wisconsin 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 — Wisconsin Property & Casualty Insurance Exam
How many questions are on the Wisconsin Property and Casualty exams?
PSI's Wisconsin content outlines list 100 questions for the Property exam, 100 for the Casualty exam and 100 for Personal Lines. Of those, 35 are on insurance regulation. A few unscored experimental items are added and count against exam time.
What is the passing score for the Wisconsin insurance exam?
70%. PSI's Wisconsin Candidate Information Bulletin states that you must get 70% correct to pass.
How much time do I get on the Wisconsin Property and Casualty exams?
Two hours per exam, according to PSI's Wisconsin content outlines. The 2026 bulletin does not state a time limit, so confirm the current time when you register.
How many pre-licensing hours does Wisconsin require?
Twenty hours for each line, completed before the exam: 8 hours on principles of insurance, Wisconsin law and ethics, and 12 on line-specific material. The 8-hour portion need not be repeated for another line if completed within 12 months. The certificate is valid for one year.
What are Wisconsin's minimum auto insurance limits?
Liability of $25,000 for one person, $50,000 for two or more people and $10,000 for property damage. Uninsured motorist coverage is mandatory at $25,000/$50,000 for bodily injury, and underinsured motorist coverage must be offered but is not mandatory (OCI Consumer's Guide to Auto Insurance).
How much does the Wisconsin insurance exam cost?
$75 per exam, paid to PSI. The fee is not transferable and is valid for one year from payment. You also pay $75 per line when you apply for the license, plus a $10 application fee for residents.
Does Wisconsin require fingerprints for an insurance license?
Yes, for residents. Book Fieldprint at $34.75 with code FPWIOCIInsurance. OCI does not accept prints from police departments or other vendors, and fingerprints are valid for 180 days. Applications without them are held.
What continuing education applies to Wisconsin Property and Casualty agents?
24 credit hours per biennium, including 3 hours of ethics, banked before the license expires. Agents who sell federal flood policies should also take the 3-hour NFIP flood insurance course approved for CE credit.
Practice Exam Questions — Wisconsin Property & Casualty
5 state-specific questions drawn from the Wisconsin exam content outline. Correct answer highlighted in green.
Which licenses allow a Wisconsin intermediary to sell auto and homeowners insurance?
- Property alone
- Casualty alone
- Both Property and Casualty, or Personal Lines alone
- Accident and Health plus Life
What is the minimum limit on medical expense (medical payments) coverage that Wisconsin insurers must offer on an auto policy?
- It must be purchased at $1,000
- It is optional but must be offered, with a $1,000 minimum limit
- It is mandatory at $10,000
- Insurers need not offer it
How many questions and how much time do PSI's Wisconsin Property and Casualty outlines list for each exam?
- 50 questions in 1 hour
- 75 questions in 90 minutes
- 100 questions in 2 hours
- 150 questions in 3 hours
What share of a Wisconsin Property or Casualty exam is Insurance Regulation?
- 8 of 100 questions
- 20 of 100 questions
- 35 of 100 questions
- 50 of 100 questions
After passing a Wisconsin exam, within how many days must you apply for the license?
- 30 days
- 90 days
- 180 days
- One year