What This License Is
A Utah Property and Casualty license carries two separate lines of authority from §31A-23a-106 — property, covering loss of or damage to real and personal property, and casualty, covering legal liability and, expressly, surety bonds. One combined exam earns both.
It is the broadest producer license on the P&C side, reaching personal auto and homeowners, commercial property, general liability, workers compensation, professional lines, umbrella and bonds. Utah's narrower personal lines license covers only the personal, non-commercial slice of that; holding property and casualty already includes it.
Two adjacent authorities have prerequisites worth planning around. Surplus lines requires its own exam plus at least three of the past four years as a property/casualty producer. Consultant requires three years of relevant preparation within the four years before applying. Both are second steps built on this license, not alternatives to it.
Exam Options & Format
Series 17-04: 150 questions, 2 hours 30 minutes, $44. The single-line route is 17-22 Property and 17-23 Casualty, each 100 questions in 2 hours at $32 — $64 total, 200 questions, two appointments.
The combined exam saves $20 and a trip. It also concentrates the risk, because the bulletin grades it as a unit: "The combined exam results in one final score. You must pass the complete exam to qualify for a license." Property strength does not offset casualty weakness. If practice scores are solid on both halves, take 17-04; if one half is genuinely shaky, $20 buys two independent attempts and lets you bank the line you pass.
Five unscored experimental questions are distributed through the exam unmarked, and the bulletin does not say whether they are inside the printed 150 or in addition to it. No calculators are permitted — worth rehearsing, because coinsurance and limit math both appear on the property half.
Most Tested Topics on the Utah Property and Casualty Exam
The combined P&C exam's Utah-specific weight lands on the property-and-casualty guaranty association, the regulator's own structure, and the licensing rules a producer lives with after the exam is over. From the TESTivity Utah regulations curriculum, statute-verified:
| Utah concept | The rule, and where it comes from |
|---|---|
| P&C guaranty, per-claim cap | The association's obligation "includes only that amount of each covered claim that is less than $300,000" (§31A-28-207) |
| P&C guaranty, per-claim deductible | None. Utah's statute subtracts no deductible from a covered claim |
| P&C guaranty, unearned premium refunds | Personal lines claims must exceed $100, subject to a maximum of $10,000 per policy (§31A-28-207) |
| P&C guaranty, workers compensation | Paid in FULL — expressly exempt from the $300,000 cap, though never more than the insolvent insurer owed (§31A-28-207) |
| P&C guaranty, aggregate per insured | All obligations to one insured and its affiliates cease once $10,000,000 has been paid on one insolvency (§31A-28-207) |
| P&C guaranty, high-net-worth exclusion | First-party claims by insureds whose net worth exceeds $25,000,000 on December 31 of the year before the insolvency are not covered claims (§31A-28-203) |
| The regulator | The Utah Insurance Department, headed by a Commissioner of Insurance — appointed by the governor with the advice and consent of the Senate, removable at the governor's pleasure, with no fixed term of years (§31A-2-102) |
| Where the law lives | Title 31A of the Utah Code, with producer licensing at Chapter 23a and departmental rules in R590 of the Utah Administrative Code |
| Controlled business test | No percentage. No compensation on controlled business unless, during the preceding 12 months, the producer effected other insurance with aggregate premiums exceeding the controlled-business premiums (§31A-23a-502) |
| Appointment before soliciting | The statute: an insurer "shall appoint" a producer with whom it has a contract "in order for the licensee to do business for the insurer in this state" (§31A-23a-115(1)(a)). The Department states the practical rule more bluntly — a producer may not act as an agent in soliciting, negotiating or binding insurance without either an appointment or an agency designation |
| CE, insurer-provided cap | No more than 12 of the 24 hours may come from courses provided by insurers |
| CE, carryover | None — "credit hours in excess of the number required to renew the license may not be carried over or applied to any subsequent licensing period" (R590-142-4) |
The guaranty rows contain Utah's cleanest reversal of a national habit. Candidates learn that guaranty associations apply a per-claim deductible and a flat cap; Utah applies the $300,000 cap with no deductible at all, and then exempts workers compensation entirely so those claims are paid in full. The $100 figure that appears in the same section is not a deductible either — it is a floor on unearned-premium refunds, and it comes with its own $10,000-per-policy ceiling. A question that offers "$100 deductible per claim" as an answer choice is testing exactly that conflation.
The controlled business test is the second reliable divergence. Almost every national manual teaches a percentage cap — commonly 50% of premium volume. Utah states no percentage anywhere. It runs a premium comparison over a rolling twelve months: outside business premium must simply exceed controlled business premium. Different mechanism, different arithmetic, and it does not apply to title insurance at all.
The appointment rule is worth internalizing for practical reasons as much as exam ones. Utah is not a no-appointment state. Licensure alone does not let you do business for an insurer — the statute conditions that on the appointment — and the Department's own licensee FAQ goes further, stating that a producer may not act as an agent in soliciting, negotiating or binding insurance without either an appointment or an agency designation. And a license that lapses at renewal terminates those appointments and designations as of the expiration date.
Moving In, Moving Out, and What Utah Will Not Waive
Coming to Utah with a license already in hand. Utah's exam waiver here is not discretionary — §31A-23a-108(2) says the commissioner shall waive the examination for a nonresident who holds the same line of authority in another state and is currently licensed and in good standing. The waiver also reaches someone who applies within 90 days of their prior license being cancelled, on certification of good standing from the home state or through the NAIC's producer database.
Moving your residence to Utah. A producer who establishes legal residence in Utah must apply for the resident license within 90 days — and doing so inside that window carries an exemption from examination on the lines of authority already held. Miss the window and the exemption goes with it. This is the deadline most worth diarizing, because nothing prompts you about it.
Licensing into Utah as a nonresident. You submit to Utah's jurisdiction. §31A-23a-109 — the nonresident jurisdictional agreement — requires a nonresident applicant to consent to Utah's jurisdiction "on any matter related to the applicant's insurance activities in this state." Utah does not require nonresidents to sit a Utah-specific law exam; the reciprocity framework relies on home-state licensure instead.
Nonresident continuing education. §31A-23a-202(7) is generous and worth knowing: a nonresident producer or consultant is considered to have satisfied Utah's CE requirement by satisfying the home state's CE requirement. You do not carry two CE schedules.
And now the part people get wrong. No professional designation waives a Utah exam. Not CLU, not ChFC, not CPCU, not CIC, not FLMI, not CFP. §31A-23a-108 contains no designation-based exam waiver of any kind — a genuine gap against states that publish waiver lists. Designations do earn their keep in Utah, but on the CE side only: holders of CLU, ChFC, RHU, CPCU, CFP, REBC, CIC, ACSR, CRM, SOFE or IRES are deemed CE-compliant on completing that program's own maintenance requirements. Exam relief and CE relief are separate systems here, and only one of them recognizes letters after your name.
There is also nothing to waive on the education side, because Utah requires no pre-licensing education at all. States that grant designation-based prelicensing waivers are solving a problem Utah does not have.
Renewal, CE Math, and What a Lapse Actually Costs
The term and the date. A Utah producer license runs two years and expires on the last day of the licensee's birth month (R590-244-9). Not the birthday, not a flat anniversary of issuance — the last day of the month you were born in. There is no even/odd birth-year split, which several states use and Utah does not.
Your first term is not two years. Because the expiration must land on a birth month, a new license's first term runs "anywhere from 24 to 35 months from the new license issue date." Nearly a year of variance, and it is a genuinely common surprise — check your actual expiration date in Sircon rather than counting forward twenty-four months.
Agencies and the outliers. Agency licenses expire every two years on the last day of the month of the most recent issuance or renewal. Navigators renew annually. Bail bond agencies renew annually, on or before August 31 — a fixed calendar date, unrelated to anyone's birth month.
The CE math, in full. 24 credit hours per two-year period. 3 must be ethics. At least 12 must be classroom or classroom-equivalent — the statute frames it as "at least half of the required hours through classroom hours," and a live interactive webinar counts. No more than 12 may come from courses provided by insurers. Beyond the ethics requirement, Utah allocates nothing by line: "the remaining 21 hours can be in any line."
Two rules about timing that cost people hours. First, there is no carryover — R590-142-4 says credit hours in excess of what the renewal requires "may not be carried over or applied to any subsequent licensing period." Overshooting is charity. Second, the new cycle starts after the old one closes: per the Department, you may start using CE credits completed one day after the expiration or renewal date. A course finished the week before renewal counts toward the cycle ending, never the one beginning.
Providers report, and the Department waits for them. Registered providers submit completions through Sircon within 14 days of course completion (R590-142-6), and the renewals page is blunt about the consequence: "All CE must be posted by the provider before a renewal will be processed." Finishing a course on the last day of your birth month is not the same as being renewable on that day. If a provider fails to report, your certificate of completion is the fallback proof.
Title producers and the long-service reduction. Title producers carry 12 hours per period — 3 ethics, 6 classroom, no more than 6 insurer-provided — and a title producer licensed for 20 or more consecutive years drops to 6 hours, 3 of them ethics. Read that scope carefully: the 20-year reduction is a title-producer rule. It is not a general long-service exemption, and a property-and-casualty producer with thirty years in the business still owes the full 24.
What Utah's general exemptions actually are. Long-tenured licensees may request an exemption — but the two Utah sources disagree on the cutoff date, so check yours before relying on it. The statute, §31A-23a-202(3)(d)(i)(A), says “first licensed before December 31, 1982”; the Department’s CE web page prints 1988. Either way the license must not have lapsed continuously for more than a year, and the exemption must be requested from and approved by the Department. Nonresidents satisfy Utah by satisfying their home state. The designation holders listed in the reciprocity section above are deemed compliant on completing their own maintenance programs. And the Department recognizes extenuating circumstances — military service, voluntary service, long-term medical disability.
Missing the date. There is no grace period and no separate late fee. The license goes inactive on the expiration date, and §31A-23a-113(1) lists the triggers: failing to pay a fee when due, failing to complete CE before submitting the renewal, failing to submit a completed renewal application or required documentation, or failing to maintain an active home-state license as a nonresident. Inactivation also cancels every appointment and agency designation effective the expiration date.
Reinstatement — one year, and read the last sentence. A lapsed license may be reinstated for one year from the expiration date, and reinstatement is available online "24/7 from the 4th day after inactivation to 365 days after." It costs $120 for a full-line individual license, $95 limited line — higher than the $70 renewal, which is where Utah's penalty actually lives. The full 24 hours of CE must be complete. Then the sting: "the reinstated license will expire on the same date it would have expired had the license not become inactive." Reinstating does not buy you a fresh two years — it buys back the remainder of the term you already had.
After one year, there is no reinstatement. A licensee who misses the 365-day window "may not apply for reinstatement and must apply for a new license as a new applicant." New applicant means everything: the exam again, the fingerprints again, the full application again. A voluntarily surrendered license is reinstatable within one year, but only during the license period in which the surrender occurred.
What It Costs
$44 to Prometric for Series 17-04, $38 in fingerprint fees ($32 to the Department, $6 to Prometric), and $70 to the Department for the individual full-line license — roughly $152 on a first-attempt pass, for two lines of authority, with no pre-licensing tuition.
Over the life of the license: $70 every two years to renew, or $120 to reinstate if you miss the date. Adding a further line of authority to an existing license is $25. Agency licenses are $75 initial or biennial renewal, $125 to reinstate. The Department's FY2027 Fee Schedule is the source for all of these; note that Prometric's bulletin still prints the older $75 individual figure.
Two things nobody publishes in advance. Neither Sircon nor NIPR discloses its Utah transaction fee before checkout, and no appointment fee line appears on the Department's fee schedule — appointments and terminations are filed electronically by the insurer, and the retrieved sources do not describe a renewal cycle or continuation charge for them.
Eligibility Requirements
Minimum age 18 — the application makes you attest to it (§31A-23a-104(2)(b)(iv)) — a Social Security number, and honest answers on the background questions. No pre-licensing education, no sponsor, no residency tenure — but a producer establishing legal residence in Utah must apply for the resident license within 90 days, which is also the window that preserves the exam exemption for lines already held (§31A-23a-108(2)).
Grounds for denial live at §31A-23a-111(5)(b) and turn on fraud, dishonesty and breach of trust. Application fees are non-refundable if the application is denied or incomplete (§31A-23a-104(2)). Active-duty military members and military spouses holding a valid out-of-state license may be exempt from the license fee under §31A-23a-104(6).
Continuing Education at a Glance
Important CE details: Excess hours never carry forward, and a course finished before your renewal date belongs to the cycle that is ending — the new period begins the day after the expiration date.
24 hours every two years. 3 ethics. At least 12 classroom or classroom-equivalent. No more than 12 from insurer-provided courses. Nothing carries over. The renewal section above walks the mechanics in full — the reporting lag, the exemptions, the title-producer variation, and what a lapse costs.
One line-specific note for P&C producers: Utah imposes no property or casualty product-training requirement comparable to the life side's one-time four-credit annuity course. Your 24 hours are the whole obligation.
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