South Carolina Property and Casualty Insurance License Course and Exam Prep

The combined Property and Casualty has a 165-minute time limit and covers three areas: property, casualty, and South Carolina law. A handful of questions are unscored pretest items that don’t count toward your result. Here’s what each area covers:

• Property: homeowners and dwelling policies, commercial property, businessowners policies, inland marine, and the National Flood Insurance Program
• Casualty: commercial general liability, personal and business auto, workers’ compensation, crime, surety and fidelity bonds, umbrella coverage, and other liability lines
• South Carolina law: rules that apply to every line, like licensing, continuing education, and trade practices, plus rules specific to property and casualty, like the Valued Policy Law, the South Carolina Wind and Hail Underwriting Association, uninsured and underinsured motorist coverage, and state workers’ compensation law

You'll need a scaled score of 70 to pass (here's how scoring worksPre License What Score Do You Need To Pass The South Carolina Insurance Exam Resources), and our exam breakdownPre License What Is On The South Carolina Insurance Exam And How Should You Prepare Resources shows where to focus your study time.

The Property and Casualty lines of authority let you sell coverage for homes, vehicles, businesses, and liability, including:

• Homeowners, renters, condo, and dwelling fire policies
• Personal and commercial auto
• Commercial property and businessowners policies
• General liability, professional liability, and umbrella coverage
• Workers' compensation

A couple of products need more than the license. Flood insurance through the National Flood Insurance Program requires flood training before you sell it, and placing coverage with surplus lines insurers requires a separate Surplus Lines Broker license.

Coastal wind, hail, and flood coverage is a big part of P&C work in South Carolina, and it shapes the captive vs. independentPre License Captive Vs Independent Which Path Pays More In South Carolina Resources decision. Either way, you'll need to get appointedPre License Do South Carolina Insurance Agents Need A Carrier Appointment To Sell Insurance Resources with each carrier you represent.

A Personal Lines license covers individuals and families, including homeowners, personal auto, and personal umbrella policies. Its exam has a 120-minute time limit.

A full Property and Casualty license also covers commercial lines, such as business property, general liability, commercial auto, and workers' compensation. If you want to write business insurance or work at an agency that does, P&C opens more doors. Compare every South Carolina license typePre License 10 Most Common Questions About Getting Your South Carolina Insurance License Resources.

Yes. You can test online with Pearson VUE's OnVUE system or in person at a Pearson VUE test center. Either way, bring a valid, unexpired government issued photo ID with a signature, and make sure the name matches your exam registration exactly. You'll get your results as soon as you finish. Read up on exam day logisticsPre License What Do You Need To Know Before Taking The South Carolina Insurance Exam Resources before you go.