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Ohio property and casualty practice exam

Free property and casualty practice for the Ohio producer exam: 367 general questions plus 19 Ohio state law questions, each with an explanation.

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Getting your Ohio property and casualty license

Ohio's property and casualty exam (Series 11-36) has 150 questions in 2.5 hours through PSI, and you need 70 percent to pass. You need 20 hours of pre-licensing for each line first.

Exam provider
PSI
Exam length
Property and casualty (Series 11-36): 150 questions in 2.5 hours
Passing score
70 percent
Exam fee
$49
Application fee
$10 per line (property, casualty)
Pre-licensing education
20 hours for property and 20 hours for casualty. Certificates are valid 180 days.
Background check
BCI and FBI check through a WebCheck vendor, required for all resident applicants. Combined fees are capped at $72.25.
Retakes
No limit on attempts. You cannot book a new appointment the same day.
How to plan your retake
Retake rules by state
Continuing education
24 credits every 2 years, including 3 ethics credits

Official links

Licensing facts checked on , against official sources. Fees and rules change, so confirm with the Ohio Department of Insurance and your exam's candidate handbook before you register.

Sources

Ohio state law questions

Every Ohio question with its answer, explanation, and the law it comes from.

State laws change. Always confirm details with the Ohio insurance department and your exam's content outline.

Licensing and CE

3 questions

1. An Ohio producer holding only a Major Lines license must complete how many continuing education hours each renewal period?

  1. 30 hours, including 5 hours of ethics
  2. 24 hours, including 3 hours of ethics
  3. 12 hours, including 2 hours of ethics
  4. 24 hours, with no ethics requirement
Show answer
B. 24 hours, including 3 hours of ethics
Ohio requires 24 CE hours for a Major Lines license, of which 3 must be ethics. The other 21 hours can be any Ohio-approved course.
Source: ODI, Continuing Education (CE) Fact Sheet

2. How often must an Ohio Major Lines producer complete continuing education, and by when?

  1. Every three years, by the license issue date
  2. Every two years, by the last day of the producer's birth month
  3. Every two years, by June 30
  4. Every year, by December 31
Show answer
B. Every two years, by the last day of the producer's birth month
Ohio's reporting period for Major Lines is two years, ending on the last day of the agent's birth month.
Source: ODI, Continuing Education (CE) Fact Sheet

3. How many excess Ohio CE hours may a producer carry over to the next renewal period, and how do carried-over hours count?

  1. Up to 24 hours, counted toward ethics
  2. Up to 12 hours, counted only as general credits
  3. No hours may be carried over
  4. Up to 12 hours, counted toward ethics
Show answer
B. Up to 12 hours, counted only as general credits
Ohio allows up to 12 hours of excess credit to carry over, but carried hours count only as general credit. The producer must still meet the ethics requirement with new courses.
Source: ODI, Continuing Education (CE) Fact Sheet

Auto Insurance

1 question

1. What are the minimum liability limits in Ohio's financial responsibility law for each motor vehicle?

  1. $50,000 per person, $100,000 per accident, $50,000 property damage
  2. $30,000 per person, $60,000 per accident, $25,000 property damage
  3. $12,500 per person, $25,000 per accident, $7,500 property damage
  4. $25,000 per person, $50,000 per accident, $25,000 property damage
Show answer
D. $25,000 per person, $50,000 per accident, $25,000 property damage
R.C. 4509.51 sets $25,000 for one person, $50,000 for two or more persons in one accident, and $25,000 for property damage.
Source: Ohio Rev. Code 4509.51

Cancellation and Nonrenewal

9 questions

1. Under Ohio law, an automobile insurance policy must be issued for a period of not less than:

  1. one year
  2. 30 days
  3. six months
  4. two years
Show answer
A. one year
R.C. 3937.31(A) requires an auto policy to be issued for at least one year, or to be guaranteed renewable for periods totaling at least one year.
Source: Ohio Rev. Code 3937.31

2. Which of the following is NOT one of the permitted grounds under R.C. 3937.31 for an insurer to cancel an Ohio auto policy that is subject to the cancellation restrictions?

  1. Loss of driving privileges by the named insured
  2. The insured filed one claim during the policy period
  3. Nonpayment of premium
  4. Fraud or misrepresentation of a material fact by the insured
Show answer
B. The insured filed one claim during the policy period
Permitted grounds are fraud or misrepresentation, loss of driving privileges, nonpayment, and a move to a state where the insurer is not authorized. Filing a single claim is not a listed ground.
Source: Ohio Rev. Code 3937.31

3. An Ohio auto insurer cancels a policy for nonpayment of premium. What is the minimum notice from the date of mailing?

  1. 5 days
  2. 30 days
  3. 20 days
  4. 10 days
Show answer
D. 10 days
R.C. 3937.32(A)(5) requires at least 10 days' notice from the date of mailing when the cancellation is for nonpayment.
Source: Ohio Rev. Code 3937.32

4. For an Ohio auto cancellation based on a ground other than nonpayment, the effective date of cancellation cannot be earlier than how long after the date of the notice?

  1. 30 days
  2. 10 days
  3. 45 days
  4. 15 days
Show answer
A. 30 days
R.C. 3937.32(A)(3) requires the effective date to be no earlier than 30 days after the date of the notice.
Source: Ohio Rev. Code 3937.32

5. How far in advance of policy expiration must an Ohio auto insurer mail a notice of nonrenewal?

  1. At least 15 days
  2. At least 60 days
  3. At least 30 days
  4. At least 90 days
Show answer
C. At least 30 days
R.C. 3937.34 requires the nonrenewal notice to be mailed at least 30 days before the policy expires.
Source: Ohio Rev. Code 3937.34

6. Ohio's restrictions on cancelling commercial property, fire, and casualty policies in R.C. 3937.25 apply once a policy has been in effect for more than:

  1. 60 days
  2. 90 days
  3. six months
  4. 30 days
Show answer
B. 90 days
Under R.C. 3937.25, a cancellation notice may be issued only for a listed ground once the policy has been in effect more than 90 days.
Source: Ohio Rev. Code 3937.25

7. An Ohio commercial property insurer cancels a policy for a listed ground other than nonpayment. The cancellation must take effect at least how long after the notice is mailed?

  1. 60 days
  2. 10 days
  3. 30 days
  4. 45 days
Show answer
C. 30 days
R.C. 3937.25 requires at least 30 days between mailing and the effective date, or 10 days if the reason is nonpayment of premium.
Source: Ohio Rev. Code 3937.25

8. An Ohio insurer mails a commercial property nonrenewal notice only 20 days before expiration. What is the result?

  1. The notice is void and the insurer must renew for 90 days
  2. Coverage stays in effect until 30 days after the mailing date, unless the insured accepts the nonrenewal in writing
  3. The policy renews automatically for a full year
  4. Coverage ends on the expiration date as stated
Show answer
B. Coverage stays in effect until 30 days after the mailing date, unless the insured accepts the nonrenewal in writing
R.C. 3937.26(B) extends existing coverage to 30 days after mailing when the notice is late. The insured pays the premium for the extension at the original rates.
Source: Ohio Rev. Code 3937.26

9. According to the Ohio Department of Insurance, an insurer that declines to renew a homeowners policy must notify the insured how far ahead and explain what?

  1. At least 45 days before expiration, and how to apply for a surplus lines policy
  2. At least 10 days before expiration, and how to appeal to a court
  3. At least 30 days before expiration, and how to apply to the Ohio FAIR Plan
  4. At least 60 days before expiration, and how to file a complaint
Show answer
C. At least 30 days before expiration, and how to apply to the Ohio FAIR Plan
The ODI homeowners guide says nonrenewal notice must come at least 30 days before expiration and must explain how to apply to the FAIR Plan.
Source: ODI, Homeowners Insurance Guide

Residual Markets

2 questions

1. Which insurers must participate in the Ohio FAIR Plan Underwriting Association under R.C. 3929.43?

  1. Only insurers with more than $1 million in premium
  2. Only mutual insurers
  3. Only domestic Ohio insurers
  4. All insurers authorized to write basic property insurance in Ohio
Show answer
D. All insurers authorized to write basic property insurance in Ohio
Membership is a condition of an insurer's authority to write basic property insurance (or a multi-peril component) directly in Ohio.
Source: Ohio Rev. Code 3929.43

2. What is the maximum amount the Ohio FAIR Plan will write per location, counting building and contents together?

  1. $1,000,000
  2. $5,000,000
  3. $2,000,000
  4. $500,000
Show answer
C. $2,000,000
Ohio Adm. Code 3901-1-18 sets the maximum at $2,000,000 per location, counting the total of building and contents limits.
Source: Ohio Adm. Code 3901-1-18

Guaranty Association

1 question

1. According to the Ohio Department of Insurance, the Ohio Insurance Guaranty Association pays outstanding claims from an insolvent insurer up to:

  1. $100,000
  2. $300,000
  3. $500,000
  4. $1,000,000
Show answer
B. $300,000
The ODI homeowners guide states that Ohio Guaranty Association coverage for outstanding claims is up to $300,000.
Source: ODI, Homeowners Insurance Guide

Claims Practices

2 questions

1. Under Ohio's unfair property/casualty claims settlement rule, an insurer must acknowledge receipt of notice of a claim within:

  1. 15 days
  2. 45 days
  3. 5 days
  4. 30 days
Show answer
A. 15 days
Ohio Adm. Code 3901-1-54(F)(2) requires acknowledgment within fifteen days of receiving notice. Paying the claim or sending claim forms within that time also satisfies the rule.
Source: Ohio Adm. Code 3901-1-54

2. After receiving properly executed proofs of loss, an Ohio insurer must accept or deny the claim within 21 days. If more time is needed, how often must it send written status updates?

  1. Every 90 days
  2. Every 10 days
  3. Every 30 days
  4. Every 45 days
Show answer
D. Every 45 days
Rule 3901-1-54(G)(1) requires notice within the 21-day period explaining the delay, and then written updates at least every forty-five days.
Source: Ohio Adm. Code 3901-1-54

Workers Compensation

1 question

1. Under R.C. 4123.01, a private person or firm is an Ohio workers' compensation employer if it regularly has in service how many employees?

  1. Five or more
  2. Ten or more
  3. Three or more
  4. One or more
Show answer
D. One or more
R.C. 4123.01(B)(1)(b) defines a private employer as one that has in service one or more employees regularly. Employers cover them through the State Insurance Fund or as approved self-insurers.
Source: Ohio Rev. Code 4123.01

Key Ohio terms

17 plain-English cards on Ohio insurance law, from the Ohio flashcard deck.

Licensing and CE

Ohio P&C prelicensing
20 hours for property and 20 hours for casualty. Completion certificates are valid for 180 days.
Ohio background check
All resident applicants need a BCI and FBI background check through a WebCheck vendor.
Ohio Major Lines CE requirement
24 hours every two years, including 3 hours of ethics, due by the last day of the producer's birth month.
Ohio CE carryover
Up to 12 excess hours carry to the next period, but only as general credit, not ethics.

Auto Insurance

Ohio auto liability minimums
25/50/25 under the financial responsibility law: $25,000 per person, $50,000 per accident, $25,000 property damage.

Cancellation and Nonrenewal

Ohio auto policy term
An auto policy must be issued for at least one year, or be guaranteed renewable for periods totaling at least one year.
Ohio auto cancellation grounds
Only fraud or misrepresentation, loss of driving privileges, nonpayment, or a move to a state where the insurer is not authorized.
Ohio auto cancellation notice
At least 10 days for nonpayment; for other grounds, the effective date is no earlier than 30 days after the notice.
Ohio auto nonrenewal notice
Mailed at least 30 days before the policy expires.
Ohio commercial cancellation rule
After a commercial property or casualty policy has been in effect 90 days, it may be canceled only for listed grounds, with 30 days notice (10 for nonpayment).
Ohio late commercial nonrenewal
If a commercial nonrenewal notice is late, coverage continues until 30 days after it is mailed unless the insured accepts the nonrenewal.
Ohio homeowners nonrenewal notice
At least 30 days before expiration, explaining how to apply to the Ohio FAIR Plan.

Residual Markets

Ohio FAIR Plan Underwriting Association
Every insurer authorized to write basic property insurance in Ohio must belong. Writes up to $2,000,000 per location, building and contents combined.

Guaranty Association

Ohio Insurance Guaranty Association
Pays outstanding claims of insolvent P&C insurers up to $300,000.

Claims Practices

Ohio claim acknowledgment deadline
An insurer must acknowledge a property or casualty claim within 15 days of receiving notice.
Ohio claim decision deadline
Accept or deny within 21 days after proofs of loss; if more time is needed, explain the delay and update in writing at least every 45 days.

Workers Compensation

Ohio workers comp employer
A private employer with one or more regular employees. Coverage is through the State Insurance Fund or approved self-insurance.

Study the Ohio deck

Keep studying

The general topics make up most of the exam.

Insurance BasicsPropertyContract LawPropertyProperty Policy StructurePropertyDwelling PoliciesPropertyHomeowners PoliciesPropertyHomeowners EndorsementsPropertyFlood InsurancePropertyEarthquake InsurancePropertyCommercial PropertyPropertyCauses of LossPropertyBusiness IncomePropertyInland MarinePropertyOcean MarinePropertyFarm CoveragePropertyEquipment BreakdownPropertyLiability BasicsCasualtyPersonal Auto PolicyCasualtyAuto Physical DamageCasualtyUninsured MotoristsCasualtyCommercial General LiabilityCasualtyCGL ExclusionsCasualtyClaims-Made CoverageCasualtyCommercial AutoCasualtyUmbrella and ExcessCasualtyWorkers CompensationCasualtyCommercial CrimeCasualtySurety and Fidelity BondsCasualtyProfessional LiabilityCasualtyBusinessowners PolicyCasualty

Ohio exam questions

How long is the Ohio property and casualty exam?

Series 11-36 has 150 questions and a 2.5-hour time limit. You need 70 percent to pass.Source: PSI, Ohio Insurance Candidate Handbook (Jul 2023), hosted by ODI

How long are Ohio pre-licensing certificates good for?

180 calendar days from the date they are issued, so plan to test within that window.Source: PSI, Ohio Insurance Candidate Handbook (Jul 2023), hosted by ODI

Does Ohio require a background check?

Yes. All resident applicants need a BCI and FBI background check through a WebCheck vendor. The combined fees are capped at $72.25.Source: ODI, Background Check

How much of the Ohio property and casualty exam is state law?

State law is usually around 20 to 30 percent of a state's producer exam. Check the Ohio candidate handbook from your testing provider for the exact content outline.

What does the Ohio state law section cover?

Common areas include licensing and continuing education, auto liability minimums, cancellation and nonrenewal notice rules, and the guaranty fund. This page covers: Licensing and CE, Auto Insurance, Cancellation and Nonrenewal, Residual Markets, Guaranty Association, Claims Practices, Workers Compensation.

Where do these state questions come from?

Each state question is written from the state's statutes, regulations, or insurance department guidance, and the source is linked under the answer so you can read it yourself.

Do I still need the general questions?

Yes. Most of the exam is general property and casualty knowledge. The full exam option here mixes 367 general questions with the Ohio state law questions.