How to Get Licensed

Licensing follows the same general sequence nationwide, but the details vary by state. This framework outlines the standard path for obtaining a Property & Casualty insurance license. Always confirm your state’s exact requirements through state authority websites.

1. 1

   Commit to Property & Casualty

   Why commercial P&C typically earns more (and compounds faster):

   • More premium per client: commercial accounts commonly require multiple coverages (GL, property, WC, auto) which increases total premium and the commission base per relationship.
   • Renewals stack: P&C books renew annually. Renewals compound year over year into durable, predictable income.
   • Built on trust: business owners and homeowners are handing you something they’ve worked hard to build. When you protect it well, they tend to stay with you longer.
2. 2

   Confirm your state requirements

   Requirements vary by state (pre-licensing, exam, fingerprinting/background checks, fees). Select your state to review the requirements to become licensed in your state.

   Select Your State

   State-Specific Requirements

   Requirements vary by state (pre-licensing, exam, fingerprinting/background checks, fees). Select your state to review the requirements to become licensed in your state.

   Select your state Select your state… Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

   Select a state to continue

   Always double check your specific state licensing authority website before paying for any course or exam.
3. 3

   Complete pre-licensing education (if required)

   Many states require approved coursework before you can sit for the P&C exam. Confirm required hours and approved providers on your state’s page.

4. 4

   Schedule and pass the exam

   Exams are administered by third-party testing vendors. Use links provided through your state licensing page to schedule.

5. 5

   Complete fingerprinting / background check

   Many states require fingerprinting for resident applicants. Follow your state’s approved process and vendor instructions.

6. 6

   Apply for your license

   Submit your application through NIPR or your state portal, then track status and upload documents if requested.

7. 7

   Onboarding with Orr & Associates

   Once you’re licensed, we’ll get you fully set up inside our agency systems, plug you into training and support, and help you start writing business.