Personal Line Insurance License

Laws about the personal lines property and casualty license can be found in the texas insurance code sections 4001 151 to 4001 153 4001 160 a and 4051 401.

Personal line insurance license. To become a personal lines broker agent the applicant will be required to complete a 20 hour pre licensing classroom course approved by the cdi and an approved 12 hour prelicensing classroom course on the california insurance code and ethics. Personal insurance lines make it possible to do things such as driving a car and owning. Accident and health agent only 20 hours. Personal lines insurance is written specifically to cover losses of personal property such as a home or dwelling renter s insurance personal belongings physical damage to a personal auto and personal legal liability casualty losses for bodily injury or property damage caused by the actions of a covered insured arising from or as a result of the ownership of a home auto or boat.

5 a licensee s appointment becomes effective on the date it is signed by the. Life accident and health agent 40 hours. Personal lines insurance covers individuals against loss resulting from death injury or loss of property. Like the name insinuates personal lines are geared towards policies bought by individuals.

A provisional permit is not offered for a personal lines property and casualty license. Meaning one license for personal and commercial lines insurance products. Nys insurance law requires an individual who is seeking an agent broker or public adjuster license to complete a pre licensing course approved by the superintendent of insurance. Pre licensing minimum hour requirements.

You can choose to become a specialist and sell very focused products to people or businesses or you can take an insurance license exam for a broader field and get involved in a variety of coverage types. A personal lines licensee is a person authorized to transact automobile insurance residential property insurance including earthquake and flood insurance personal watercraft insurance and umbrella or excess liability insurance providing coverage when written over one or more underlying automobile or residential property insurance policies and a personal lines broker agent license is a. Examples of personal lines policies may include. Property and casualty insurance state licenses typically enable agents to sell both commercial and personal lines of property and casualty insurance.

Inland marine insurance covering personal property and. The insurance department may deny any agents license application without a hearing if the applicant has had a previous license application denied for cause within years. Umbrella or excess liability insurance.