Vermont Property Insurance Exam 2026

What This License Is

The Vermont Property line covers "insurance coverage for the direct or consequential loss or damage to property" — 8 V.S.A. §4813g(a)(3). It does not reach liability, which is the separate Casualty line at §4813g(a)(4).

Most producers end up holding both, and Vermont's fee schedule makes that cheap: the combined Series 14-31 covers both lines in one 150-question sitting for $87, against $146 for Series 14-41 and 14-42 taken separately. Be clear about what the combined paper is, though — there is no combined "Property and Casualty" line of authority in Vermont. Property and Casualty are two separate statutory lines, and 14-31 is one examination that qualifies you for both, scored as a single result you must pass as a whole.

There is also a narrower route. Personal Lines (Series 14-39) is its own statutory line at §4813g(a)(6), limited to property and casualty coverage "sold to individuals and families for primarily noncommercial purposes." If your book will be homes and personal autos rather than commercial property, that licence may fit better than this one.

Property Exam Options in Vermont

All three are Prometric exams, offered at a test centre or by remote proctoring, and all three content outlines carry the same effective date of 3 November 2019.

No passing score is published for any of them. Vermont is unusual in this: the mark appears nowhere in the bulletin, the outlines, the exam FAQ, chapter 131 or the CE regulation. Prepare against the outline, not against a number.

Most Tested Topics on the Vermont Property Exam

Two areas carry Vermont's property-specific weight: how rates reach the market, and what happens to a risk the admitted market will not take. From the TESTivity Vermont regulations curriculum, statute-verified:

The rate-regulation label is where candidates lose marks, because Vermont is routinely taught as a file-and-use state and it is not quite one. §4688(a) requires a competitive-market filing thirty days before the effective date — a waiting period, not use-and-file. The deemer sits on the other track: §4688(c)(1) provides that a noncompetitive prefiling is "deemed to meet the requirements of this chapter and become effective, unless disapproved", with the Commissioner able to give written notice within 30 working days that more time is needed, not to exceed a further 30 days. And under §4689(a)(1) a rate "may be disapproved at any time subsequent to the effective date", so a filing that has taken effect is never finally approved.

Surplus lines is easy to over-learn, and Vermont did not adopt every NAIC trimming. There is a diligent-search requirement — but §5024 prescribes no affidavit, no minimum number of declinations, and no diligent-search filing. It also carries two exceptions candidates rarely learn: the Commissioner may declare classes eligible for export where the admitted market is not adequately competitive (§5024(b)), and exempt commercial purchasers sit outside the search requirement entirely on written disclosure and request (§5024(c)). What Vermont does require is a record and a return: §5033's "full and true record of each surplus lines insurance contract", open to examination for three years, and §5034's verified quarterly report of all exported business, filed with the Commissioner of Taxes with the 3% premium tax under §5035(b). And §5031 requires only "any licensed producer" — not property and casualty authority specifically.

Where You Actually Sit the Vermont Exam

Vermont's test-centre list is very short. Prometric's own North American test centre list shows a single Vermont entry — Williston — and prints no street address for it, or for any other location in that document. The Vermont bulletin's "Test Centers" section contains only holiday language and no addresses at all.

No address appears on this page for that reason. Prometric publishes seat availability and addresses only through its live scheduler, so get the address at booking rather than from any static source, including this one.

You are not confined to Vermont. The bulletin says plainly: "You may take the exam at any Prometric test center in the United States or in a remotely proctored location." For candidates in Bennington, Brattleboro or the Northeast Kingdom, a New Hampshire or New York site is often closer than Williston — Prometric's list shows Concord and Portsmouth in New Hampshire and Albany in New York among the nearest out-of-state options.

Or test at home. With one physical site in the state, remote proctoring carries more weight in Vermont than the physical network does. The Accident and Health guide covers ProProctor in detail, including a booking contradiction in the bulletin worth reading before you schedule.

Arrive 30 minutes early. The bulletin and the Vermont exam FAQ agree on this. "If you miss your appointment, or arrive late and are not allowed to test, you will forfeit your exam fee(s)."

Testing generally does not occur on federal holidays, and the bulletin notes that "additional state holidays may be observed in the state where you schedule the exam appointment" — a real consideration if you are testing across a border.

What the Property Licence Costs

$73 for Series 14-41, $60 to DFR ($30 application plus $30 licence), $30 biennial renewal licensing fee (see the review note - the statute's $30 application fee arguably attaches to renewals too), $80 per appointment paid by the insurer.

Producers who intend to place surplus lines business budget separately: the surplus lines broker licence is $400 for the initial 24-month term and $400 on each biennial renewal. No bond is required — Title 8 imposes none, notwithstanding an unanswered "Is a Bond Required?" heading on DFR's own surplus lines page.

NIPR's transaction fee is additional and is not published by the state.

Eligibility

At least 18, not disqualified under §4804, competent, trustworthy, financially responsible and of good personal and business reputation, fees paid, and Series 14-41 passed — 8 V.S.A. §4813f(a).

No pre-licensing education is required, and no fingerprint requirement is published. Apply through NIPR at least 48 hours after passing.

A surplus lines broker licence is available afterwards to "any licensed producer" the Commissioner deems trustworthy and competent (§5031) — the statute does not require both property and casualty authority, though holding both is the practical norm.

Continuing Education for Property Producers

24 hours every two years, at least 3 in ethics, no more than 6 in agency management, no carryover, review period ending 31 March of odd-numbered years.

Property producers carry one Vermont-specific obligation: a producer licensed to sell property and casualty insurance must complete one three-hour course on the National Flood Insurance Program. Two details matter. It is expressly counted as three "of the producer's twenty-four (24) hours" — inside the 24, not on top — and the regulation makes it a one-time requirement that does not apply to future review periods.

Given that flooding is Vermont's dominant catastrophe exposure, that course is worth more to a property producer than its three hours suggest. DFR reported 3,534 NFIP policies alongside 2,676 private flood policies in force in 2023, so both markets are live and a producer is expected to know the difference.

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