What This License Is
A Utah Property & Casualty license lets you sell coverage that protects against property loss and legal liability — homeowners, personal and commercial auto, commercial property, and liability lines. It is issued by the Utah Insurance Department.
There is no pre-licensing education requirement. The path: register with Prometric, pass the exam, apply and get fingerprinted at the testing center kiosk, all in one visit.
Eligibility Requirements
You must be at least 18, provide proof of Utah residency, and meet the character standards in Utah Code §31A-23a-107. A criminal history involving fraud or dishonesty can lead to denial; answer all background questions truthfully.
Exam Options & Format
Prometric administers the Utah P&C exam at four Utah testing centers (Salt Lake City, Lindon, Taylorsville, St. George) or remotely via ProProctor.
Most producers take the combined Property & Casualty exam to sell all P&C lines with a single credential. Utah also offers a separate Personal Lines license for producers who only sell personal-lines products — if that fits your role better, see the Personal Lines guide for that path.
What It Costs
Budget for the whole single-visit process. Bring a credit card to the testing center — you will be paying the application fee, the FBI/BCI background fee, and the fingerprint processing fee all on the same day:
Passing Score
You need 70% to pass, with the result on screen immediately. Aim for a consistent 80% on practice exams before scheduling.
Keeping Your License Active
Important CE details: 3 hours ethics, at least 12 hours classroom/classroom-equivalent. P&C producers who sell flood insurance must complete a one-time NFIP training course (3 hours).
Utah requires 24 hours of CE every 2 years, with 3 hours in ethics and at least 12 hours classroom or classroom-equivalent. Renewal is tied to your birth month.
If you plan to sell flood insurance, you must complete a one-time National Flood Insurance Program (NFIP) training course before selling. Those hours count toward your CE total.
Quick Reference
Official Links
Don't study generic. Study Utah.
You've got the roadmap. Now get the Utah-specific P&C question bank, mock exams, and video course built by instructors with 20+ years teaching this material.