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Frequently Asked Questions
Property and Casualty (P&C) insurance encompasses a range of policies designed to protect an individual’s or business’s assets (“property”) and shield them from liability or lawsuits (“casualty”).
With a Property & Casualty license, you can sell insurance products such as auto, homeowners, and business policies to both individuals and businesses.
Agents with this license can choose to work as independent agents, representing multiple insurance companies, or as captive agents, selling policies exclusively for a single company.
Anyone who discusses or modifies insurance policies must hold a valid license. This includes customer service representatives (CSRs) at insurance companies or agencies, even if their role doesn’t involve direct sales.
Additionally, in some states, surety bail agents are required to have either a Property & Casualty license (e.g., Virginia) or a Casualty license (e.g., Georgia).
Property and Casualty insurance covers a broad range of policy types, including (but not limited to):
• Car insurance (personal or commercial auto insurance)
• Homeowners insurance
• Commercial property insurance
• Commercial general liability (CGL) insurance
• Workers’ compensation insurance
• Professional liability insurance (E&O, D&O)
• Inland marine insurance
• Umbrella insurance
• Renters insurance
• Condo insurance
• Power sports insurance (e.g., for boats and motorcycles)
• Landlord insurance
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