The Oregon P&C path at a glance
Property & Casualty is Oregon's combined credential for the property and liability world - personal auto, homeowners, dwelling, commercial lines, and workers' compensation all fall under it. Most candidates take the single combined exam (Series 12-04) rather than splitting it.
The sequence mirrors every Oregon producer line: finish prelicensing, pass the 12-04 exam through PSI, get fingerprinted, then file your application at NIPR.com for the Division of Financial Regulation to review and issue.
Oregon notes that the P&C license is equivalent to Property, Casualty, Marine and Transportation, and Surety authority - and your P&C exam certificate is also valid for the separate Personal Lines exam.
What's on the 12-04 exam
The combined Property & Casualty exam is 150 scored questions with a 2-hour-40-minute limit, plus a few unscored experimental items mixed in.
The biggest scored domains are Property & Casualty Insurance Basics (~14%), Commercial General Liability (~13%), Insurance Regulation (~11%), and General Insurance Concepts (~11%).
Mid-weight blocks include Homeowners (~9%), Personal Auto (~9%), Commercial Property (~7%), and Dwelling (~6%), with smaller sections on Businessowners (~5%), Workers' Compensation (~5%), Other P&C types (~5%), Commercial Auto (~3%), and Federal laws (~2%).
Translation: master liability/negligence fundamentals, the homeowners and auto forms, and the CGL occurrence-vs-claims-made distinction, and you've covered roughly half the test.
Prelicensing education: 40 hours
Oregon requires 20 prelicensing hours per line, so combined Property & Casualty means 40 hours of state-approved coursework.
Your provider issues a Certificate of Completion - bring it (electronic or printed) to the test center. The P&C certificate also satisfies the verification requirement if you later sit the Personal Lines exam.
Holders of the CPCU designation can waive P&C prelicensing by submitting verification of the designation with the license application.
TESTivity recommends [Achievable](https://app.achievable.me/study/insurance-property-casualty/purchase#a_aid=getthelicense) to satisfy your Oregon pre-licensing requirement. Achievable is an approved provider, its insurance courses were built by the same subject-matter expert behind TESTivity, and completing the Achievable course earns you the certificate of completion Oregon requires.
One important distinction: TESTivity is not an approved pre-licensing provider in Oregon and does not issue certificates of completion. The TESTivity learning tools and study packages will absolutely help you pass the exam — but treat them as a supplement to your Achievable course, not a substitute for it.
Disclosure: TESTivity has a partnership with Achievable and may earn a commission if you enroll through links on this page.
Fingerprints and background check
First-time applicants submit electronic fingerprints for a state and national background check, captured at an Oregon PSI test site - you can knock them out the same day as the exam.
The fee is $61.25 paid to PSI on site ($46.25 state + $15 PSI), by money order, cashier's/company check, Visa, or MasterCard. Allow up to four weeks for clearance.
Already hold a valid Oregon insurance license and just adding P&C? No reprint needed.
Scheduling and exam-day logistics
Book through PSI at test-takers.psiexams.com/orins or (855) 340-3901, choosing a test center or live remote-proctored session.
Arrive 30 minutes early with valid, unexpired government photo ID matching your registration name exactly, plus your Certificate of Completion. Late arrival or mismatched ID forfeits the fee.
You'll get a 15-minute tutorial off the clock, see your pass/fail result immediately, and receive an emailed score report (with a topic-level diagnostic if you fail).
Eligibility lasts one year with unlimited paid retakes, but never the same day - soonest retake is about two days out.
Applying for the license
After passing, apply at NIPR.com. The resident producer license is $75 ($30 application + $45 license to DCBS) plus NIPR's processing fee.
You must be 18+ and either an Oregon resident or maintain a place of business in Oregon. NIPR checks for your passing exam at submission, so apply after the score posts to avoid a pending hold.
You'll need an appointment with an authorized insurer or agency before you can transact business - the license alone doesn't let you write policies.
Continuing education and renewal
P&C producers complete 24 CE hours every two years, including 3 hours of ethics and 3 hours on Oregon statutes and administrative rules.
Renewal lands on the last day of your birth month, biennially. If you also hold L&H, you still owe only 24 hours total - lines don't stack the requirement.
Watch the housekeeping rules: no carryover, no repeating a course within a term, and an 8-credit-hour-per-day cap.
Oregon-specific P&C rules worth knowing
Oregon auto is the highest-yield state topic. Memorize the 25/50/20 liability minimums, the mandatory $15,000 PIP, and the non-waivable uninsured/underinsured motorist bodily injury coverage at 25/50.
Know the Oregon Insurance Guaranty Association (ORS 734.510-.710) for P&C insolvencies - and don't confuse it with the separate Life & Health Guaranty Association.
Oregon Workers' Compensation (ORS Chapter 656) is its own domain: exclusive remedy, covered employment, occupational disease vs. accident, and the benefit structure all show up.
Round it out with the Oregon FAIR Plan and Joint Underwriting Association (residual markets), the Aftermarket Crash Parts Act, total-loss rules, surplus lines basics, and the cancellation/nonrenewal timelines for property, auto, and commercial liability.
Quick Reference
Official Links
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