Nevada P&C Insurance Exam 2026

The Nevada Property and Casualty Producer License

Exam code 06, "NV Property and Casualty," produces both lines of authority on one licence and one $185 application. Nevada also publishes the two lines separately, as codes 03 and 04, and a narrower noncommercial line, Personal Lines, as code 55.

This is the broadest route and the cheapest of the two full ones. Two single papers cost $74 and run four hours fifteen across two appointments for 171 scored questions; code 06 costs $47 and runs three hours thirty-five for 141. The saving comes from the state material: the combined paper carries one Nevada-specific outline of 41 questions in place of the 32 and 39 the two singles carry.

What this guide owns beyond the route is the after-licensing half of Nevada's scheme - reciprocity for producers arriving with another state's licence, and the renewal cycle. The renewal cycle is the more interesting of the two, because Nevada's three-year term is established in a place nobody looks.

The Nevada Property and Casualty Exam

Exam code 06, 3 hours 35 minutes, $47. Three printed outlines feed it: Property general knowledge at "50 scored plus 5 pretest questions," Casualty general knowledge at "50 scored plus 5 pretest questions," and a combined Property/Casualty Nevada-specific outline at "41 scored plus 5 pretest questions." That is 141 scored and 15 pretest, 156 items, at about 83 seconds an item.

Those totals are assembled, not quoted. The candidate handbook prints exam codes, time limits and fees and no counts. The content outlines print counts per section and no times, and no exam-level total for any paper - least of all for a combined one, which has to be built from three separate outlines. This site sums them and states pacing on an all-items basis so the figures compare across lines.

Personal Lines is on that table as a warning rather than an option. It is cheaper than the combined paper by $10 and shorter by eighty minutes, and it produces a noncommercial authority only. There is no $50 upgrade from it to full property and casualty - moving up means sitting code 03 and code 04, or code 06, and passing. Decide before booking.

Passing is a scaled 70 under NAC 683A.270, and the pass expires: it "must have been successfully completed within 1 year immediately preceding the date of application for the license."

Most Tested Topics on the Nevada Property and Casualty Exam

Forty-one scored questions come from Nevada law, and beyond the coverage rules the Property and Casualty guides cover individually, two subjects supply most of them: what happens when a carrier fails, and what the regulator can do to a producer.

The single-act row is where Nevada reverses national training, and it does so twice in one chapter. The NAIC model and most states make a "general business practice" the threshold for an unfair claims settlement violation, so one mistake is not enough. Nevada's NRS 686A.020 prohibits "a person" from engaging in "any practice" defined as unfair, and NRS 686A.310(1) opens its list with "Engaging in any of the following activities is considered to be an unfair practice." Neither sentence contains a frequency requirement. A single flagrant act is a violation, and because the prohibition binds "a person," a producer is inside it without any definitional detour.

The penalty row is the natural follow-on and it rewards knowing which statute you are in. Read only NRS 686A.183(1)(a) and you find "not more than $5,000" for a knowing violation. Read the rest of the same paragraph and you find that "as to licensed agents, brokers, solicitors and adjusters" the fine "must not exceed $500" - a tenth of the headline. And the licensing chapter runs on a different shape again: NRS 683A.461(3) is "not less than $25 nor more than $500," so the $25 is a minimum rather than a token maximum. Both of the 686A.183 fines also require that "the person knew or reasonably should have known" of the violation.

The guaranty rows reward reading the exclusions rather than the caps. The three caps are straightforward once you notice they carry three different units. The exclusions are where the answers live: the net-worth tests at $10,000,000 and $25,000,000 sound like they would rarely bite until you read that net worth is measured "on a consolidated basis" across all subsidiaries and affiliates - and then read that they do not apply to a workers' compensation claim at all. And the 25-month claims bar is expressed as the earlier of two dates, which is the operator that decides the question.

Moving to Nevada with a License

Two 90-day clocks govern an incoming producer, they measure different events, and missing either has a different consequence.

Clock one is residency, and it decides whether you may hold a resident licence at all. The Division: "You must apply for a Nevada Resident license within 90 days of establishing legal residency in Nevada." It runs from the move, not from the job, and not from the surrender of the old licence.

Clock two is the examination, and it decides whether you sit one. The Division again: "If you don't apply within 90 days of the previous state license inactivation date you will be required to take and pass a licensing exam as well." So a producer who lets a home-state licence lapse, waits four months and then applies to Nevada has not merely lost a convenience - they have acquired an examination.

The statutory exemption behind clock two is at NRS 683A.291, and it is line-for-line: an applicant "An applicant for licensing in this state as a producer of insurance who was previously licensed for the same lines of authority in another state need not complete any education or examination if the applicant is currently licensed in that state." Read "the same lines of authority" strictly. A producer arriving with Property and Casualty is exempt as to property and casualty. A producer arriving with Property alone is exempt as to property, and will sit code 04 for casualty.

The second exemption in the same section has nothing to do with moving. It reaches a producer who "confines his or her activity to insurance categorized as limited line, credit, travel, portable electronics, baggage or fixed annuity, or covering vehicles leased for a short term" - an exemption for a whole practice inside those categories, not a shortcut on a full licence.

What the process looks like in practice. Apply through Sircon, or through NIPR for $5.50 more. The fee is $185, the same as for a resident applicant filing for the first time. Nevada's fingerprint requirement applies to you as it does to everyone - the authorization form is released only after the application is filed, and it must carry your Sircon Confirmation ID or NIPR Transaction Number. The Casualty guide walks that step.

Nonresident producers pay the same $185 to apply and to renew, and their late-renewal figure is published at $247.50 - which is exactly $185 plus the statutory 50 percent penalty on the $125 component of the fee. The resident figure is published as $250 for the identical statutory penalty. Both come from NIPR; the Division publishes no consolidated fee schedule of its own, so the two figures sit side by side unreconciled and this page reports them that way rather than choosing.

Continuing education does not travel automatically. Nevada's requirement is thirty hours in the three-year period before renewal under NAC 683A.330, and the non-ethics hours must relate to the lines of authority held here. What does travel is the designation-based CE exemption - CPCU, CLU, CIC, ChFC or CFP, or twenty years of continuous experience as the primary source of income - because it attaches to the person rather than to a state. The Life and Health guide owns it.

And the clearance document worth requesting early. The Division publishes a Request for Letter of Clearance among its commonly used licensing forms. A producer leaving another state for Nevada usually needs the outgoing state's confirmation of good standing, and requesting it before the 90-day clock is half gone avoids the most common cause of a stalled application.

Renewing a Nevada License

Nevada licences run three years, and the section that says so is captioned for it - NRS 683A.261, "Issuance, PERIOD OF VALIDITY, renewal, failure to renew ...". Subsection 10 supplies the precision most sources miss: the first renewal date is "the last day of the month which is 3 years after the month in which the Commissioner originally issued the license," and for every renewal after the first it is the last day of the month 3 years after the month the licence was last due to be renewed. Two details in that sentence do the work - the licence expires at the END of a month, and the anchor is the month of ORIGINAL issuance. The two fee statutes price the same cycle: NRS 680B.010(5) prints "Triennial renewal of each license ... 125" and NRS 680C.110(4)(d) a triennial fee of "$60," and between them they supply the $185 headline figure.

The renewal date is computable, and it is keyed to the month you were first licensed. NRS 683A.261(10) defines it, the licence prints it - the section requires the licence to "state the licensee's name, address, personal identification number, the date of issuance, the lines of authority and the date of expiration" - and neither a birthday nor a calendar anniversary comes into it. Two mistakes are common. One is putting the expiry at the start of a month rather than the end. The other is anchoring it to the last renewal rather than the original issuance, which is right for every renewal after the first and wrong for the first.

The window opens 90 days out. The Division's licensing FAQ: "All licensees receive a renewal notice 90 days before their license expiration date via email." Its separate renewals page describes the courtesy notice as going out "approximately two months prior" - the two pages disagree about the notice rather than about the window, and NIPR's Nevada renewal page confirms the window itself as ninety days before expiration through to the expiration date.

And subsection 2 asks for three things by that date, not one. A licence "remains in effect unless revoked, suspended or otherwise terminated if, on or before the renewal date for the license: (a) A request for a renewal is submitted; (b) All applicable fees for renewal are paid for each license; and (c) Any requirement for education or any other requirement to renew the license is satisfied." Filing the request without the education satisfies one of three.

Thirty hours of continuing education have to be done before you renew, not after. NAC 683A.330(1): "to renew a license as a producer of insurance or an insurance consultant, each licensee must certify that he or she has successfully completed 30 hours of approved continuing education within the 3-year period before the date of renewal," and, in the same subsection, "Three of the 30 hours of continuing education must be in the subject of ethics" and "The hours of continuing education must be related to the line or lines of insurance for which the licensee holds such a license." The other twenty-seven must relate to the lines of authority held.

And the practical deadline is earlier than the class, because you do not report the credit. Approved education providers submit credit data to the Division through Sircon "as soon as possible upon completion of the course," and are charged $1 per hour per student for it. The Division tells licensees to check the transcript on Sircon rather than to send anything in, and separately requires them to "maintain a copy of the certificate of completion for each course." So the certificate is the licensee's record and the upload is what the Division verifies against - which means a course completed in the last days of the window may not be recorded in time however carefully you filed it away.

Miss the date and Nevada's penalties are proportional rather than flat, which is why they land on odd figures.

The arithmetic behind those figures is worth following, because it explains the discrepancy. The renewal fee decomposes into $125 under NRS 680B.010(5) and $60 under NRS 680C.110(4)(d). A 50 percent penalty on the $125 component is $62.50, and $185 plus $62.50 is $247.50 - which is exactly what NIPR publishes for a nonresident. Twice that penalty component is $250, and $185 plus $250 is $435 - exactly the published reinstatement figure. The resident PRODUCER figure of $250 is the only number in the set that does not fall out of the statute - the same NIPR page prints $247.50 for other resident classes - and no Division document publishes either amount, so the conflict is stated here rather than resolved.

One reinstatement route does not run through NIPR at all. A producer whose status is "Failure to Renew - CE" must reinstate directly with Nevada. That is the status a licensee lands in for having let the education rather than the date slip, and it is worth knowing in advance because discovering it at the portal costs days.

Two smaller things that catch renewing producers. Filing through NIPR rather than Sircon adds $5.50 to the transaction. And printing the licence is free for 30 days from the date the renewal is APPROVED, not from the date you filed it, and charged after that - so print it while the window is open.

Finally, the address duty that quietly voids a renewal notice. NRS 683A.261 requires a licensee to "inform the Commissioner of each change of business, residence or electronic mail address, in writing or by other means acceptable to the Commissioner, within 30 days after the change." The renewal notice is emailed. A producer who moved and did not tell the Division has not lost the obligation to renew, only the reminder.

Nevada Property and Casualty License Fees

$47 for code 06 and $185 for the licence. The two single papers cost $74 for the same $185 application, so the combined route saves $27 and forty minutes of seat time.

The $185 is $125 under NRS 680B.010(5) plus $60 under NRS 680C.110(4)(d), and both statutes carry an identical triennial figure - which is where Nevada's three-year term comes from.

Nevada charges per licence rather than per line, so a producer who later adds life or health pays $50 to add the line plus that line's examination fee, not another $185.

Later costs: $185 to renew every three years; late renewal within 30 days at a 50 percent penalty on the renewal fees; reinstatement within 12 months at twice those fees, without re-examination. NIPR adds $5.50 to a transaction; printing is free for 30 days from issuance rather than from filing, and charged after that.

And the fee that does not fall on you. Appointments cost $15 per insurer and the insurer files them electronically through Sircon. And the insurer bears it: the Division's 4/18/25 FAQ says "the $15 fee is paid for by the insurance company."

Nevada Property and Casualty License Eligibility

Four findings at NRS 683A.251(1): 18 years of age; no act that is a ground for refusal, suspension or revocation; all applicable fees paid, "which may not be refunded"; and the examinations passed for the lines applied for unless exempt.

The fourteen grounds behind paragraph (b) are at NRS 683A.451, numbered rather than lettered. Several reach conduct outside Nevada: violating "a regulation, order or subpoena of the Commissioner or an equivalent officer of another state"; fraudulent, coercive or dishonest practices or demonstrated untrustworthiness "in this State or elsewhere"; and denial, suspension or revocation of a producer licence "or its equivalent in any other state, territory or province." The chapeau caps suspension at "not more than 12 months" and is permissive throughout.

Nevada has no controlled-business restriction, which is worth knowing because many states do. Nothing in chapter 683A caps the proportion of a producer's business, premiums or commissions derived from insurance on the producer, the producer's family or the producer's employer, and none of the fourteen disciplinary grounds reaches it. The nearest analogues - NRS 686A.200 on plans involving a favored agent or insurer, NRS 686A.220 on public building and construction contracts, and NRS 686A.240 on favoritism to groups - address steering rather than self-dealing.

A business entity licence adds two conditions at NRS 683A.251(2): a designated licensed natural person "authorized to transact business on behalf of the business organization to be responsible for the organization's compliance," at $50 to associate, and "a valid electronic mail address at the applicant's own expense."

And one duty that begins the moment you are appointed rather than licensed. NRS 683A.321(1): "a producer of insurance shall not act as an agent unless he or she is appointed as an agent by the insurer." The insurer files the appointment within 15 days of the earlier of contract execution or the first application submitted, the Commissioner has 30 days to determine eligibility and 5 days to notify the insurer of an ineligible producer.

Nevada Property and Casualty Continuing Education

Thirty hours in the three-year period before renewal, three of them ethics, under NAC 683A.330, with the balance relating to the lines of authority held. Holding both property and casualty does not raise the total; it widens the field the twenty-seven hours may cover.

The exemption is designation-based and it is a CE exemption only - CPCU, CLU, CIC, ChFC or CFP, or twenty years of continuous experience in insurance as the primary source of income, requested on the Division's form. The Life and Health guide owns it, including the two designations people wrongly assume are on the list.

Reporting runs through the provider and it sets the real deadline. Providers upload to Sircon and are charged $1 per hour per student. The Division requires you to "maintain a copy of the certificate of completion for each course," and separately verifies compliance from the Sircon transcript - so the certificate is your record and the upload is the credit. Finish early enough for the filing to land.

And the failure mode has its own name in Nevada's system. A licensee who lets the education rather than the date slip lands in "Failure to Renew - CE" status, and must reinstate directly with the Division rather than through NIPR. The renewal module above sets out the tiers and the amounts.

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