Connecticut P&C Study Guide

The Connecticut-Specific half of the combined exam gives you 30 scored questions to cover two subject areas — five more than a single-line candidate gets for one. So depth is not the game here; the shared statutory block and the guaranty association are. And the guaranty association is about to move: a public act rewrites CGS § 38a-841 on 1 October 2026.

The Connecticut Insurance Guaranty Association — today’s shape

When an admitted property-casualty insurer becomes insolvent, the Connecticut Insurance Guaranty Association (CGS § 38a-836 et seq.) pays covered claims. The current limits:

• $500,000 per covered claim, for insolvencies on or after 1 October 2015
• $400,000 for insolvencies from 1 October 2007 to 30 September 2015
• $300,000 for insolvencies before 1 October 2007
• Workers’ compensation claims — paid in FULL, with no cap
• Unearned premium refunds — 50% of the unearned premium, capped at $2,000 per policy
• A floor: claims must exceed $100

What changes on 1 October 2026

Public Act 26-69, signed 2 June 2026, amends § 38a-841 with effect from 1 October 2026. Four changes, and the one people expect is not among them.

| Item | Before | On/after 1 Oct 2026 | | General covered-claim cap | $500,000 | $500,000 — unchanged | | Unearned premium refund | ½ of unearned premium, max $2,000 per policy | max $50,000 per policy, and the “one-half” limitation is deleted | | Claim floor | claims must exceed $100 | the $100 floor is deleted | | First-party real property | (no provision) | NEW — up to $1,000,000 per single occurrence, commercial or residential | | Cybersecurity insurance | (no provision) | NEW — $500,000 aggregate for all first- and third-party claims per insured event |

Two details worth carrying. First, the $500,000 general cap is not going up — a statement that “Connecticut’s guaranty limits change in October 2026” is true but is routinely misread as an increase in the headline number. What moves is the unearned-premium cap (a twenty-five-fold jump), the removal of the floor, and two brand-new sub-limits.

Second, an odd date pairing inside the act: the $1,000,000 first-party real property sub-limit applies to insolvencies determined on or after 1 June 2026 — four months before the act’s own effective date, so it reaches backwards.

The life and health limits are untouched. PA 26-69 amends CGS § 38a-860 only to fix cross-references; no dollar figure in the life and health act changes, and those limits live at § 38a-871(e) rather than § 38a-860 — a commonly miscited pair.

The regulator — free marks, if you know the structure

Connecticut runs a conventional single-regulator system, and the exam’s “Responsibilities of the Insurance Commissioner” block is worth 18 of your Connecticut-Specific questions across every line.

• The regulator is the Connecticut Insurance Department (CGS § 38a-8) — one department doing both licensing and market regulation.
• It is headed by the Insurance Commissioner, appointed by the Governor with the advice and consent of either house of the General Assembly. Not elected.
• The law is Title 38a of the General Statutes; the regulations are the RCSA, Title 38a.

The contrast the exam likes is with states that elect a commissioner, or that split licensing from insurer regulation across two agencies. Connecticut does neither.

Keeping the licence — the numbers that follow the exam

• Two years, expiring the last day of your birth month.
• 24 hours of CE per biennium, including 3 hours in Connecticut insurance law and regulations or ethics.
• The hours attach to the licence, not the lines — holding Property and Casualty does not double them.
• The CE biennium is defined as the two-year period ending on the licence expiration date — so CE and renewal share one clock.
• Up to 24 excess hours carry forward to the next biennium, under RCSA § 38a-782a-10 as amended on 13 January 2022. The regulation formerly prohibited carryover outright; sources still saying so are stale.