How many questions are on the Georgia Property & Casualty insurance exam?

The exam consists of 135 total multiple-choice questions. Of these, 125 are scored questions and 10 are unscored pretest questions distributed randomly throughout the test.

How much time is given to complete the GA-PC exam?

Candidates are allotted a time limit of 2 hours and 30 minutes (150 minutes) to complete the entire examination.

What score is required to pass the Georgia Property & Casualty exam?

You must achieve a score of 70% to pass. This is a state-specific licensure exam. While the Georgia Office of Commissioner of Insurance and Safety Fire requires a 70% to pass the Georgia Property & Casualty exam, required scores for equivalent property and casualty licensure vary by jurisdiction and candidates MUST verify the exact passing score with their specific state's department of insurance. For example, Michigan requires a 74% passing score for its combined Property & Casualty Producer exam.

Does the exam cover state-specific insurance laws?

Yes, heavily. Over 27% of the exam falls under General Insurance Regulation, which includes both national frameworks and Georgia-specific codes governing producer licensing, auto insurance laws, FAIR plans, and unfair trade practices.

How much does it cost to take the Georgia P&C license exam?

The registration fee for the Georgia Property & Casualty Insurance License Exam is $67. This fee is paid to the testing vendor, Pearson VUE.

How long should I study for the Georgia P&C exam?

Most successful candidates spend between 50 and 60 hours preparing. Dedicating sufficient time to both the nationally uniform product knowledge and the Georgia-specific regulatory chapters is essential for passing.

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GA-PC · Syllabus & Exam Outline 2026

Georgia Property & Casualty Insurance License Exam

Exam-aligned study paths covering the national Property & Casualty insurance core plus Georgia insurance law - Georgia Office of Commissioner of Insurance and Safety Fire rules, licensing, and state-specific requirements - in retention-first 15-minute topics.

Start studying free see the outline ↓

Questions: 135 questions (125 scored, 10 unscored pretest)
Time limit: 2 hours 30 minutes (150 minutes)
Passing score: 70%
Cost: $67
Format: Multiple-choice
Delivery: Computer-based testing at Pearson VUE test centers or online via OnVUE
Prep time: ~60 hours

Exam overview

The Georgia Property & Casualty (GA-PC) Insurance License Exam evaluates a candidate's readiness to operate as a licensed insurance producer within the state. This comprehensive examination measures foundational knowledge across property and casualty insurance products, basic industry terminology, and critical policy structures. Candidates will be tested on a wide range of coverages, from standard homeowner and personal auto policies to complex commercial packages, workers' compensation, and specialty liability forms. In addition to national insurance principles, a significant portion of this exam focuses intensely on the state-specific regulatory framework administered by the Georgia Office of Commissioner of Insurance and Safety Fire. You must demonstrate a thorough understanding of producer licensing rules, unfair trade practices, residual markets, and statutory coverage requirements unique to Georgia. To streamline your preparation, Only Ever maps every domain in this syllabus into targeted, 15-minute study topics. This micro-learning approach ensures you can systematically master complex insurance contracts, liability concepts, and Georgia state laws without feeling overwhelmed, keeping your progress steady and measurable as test day approaches.

Exam domains & weighting

Each domain's share of the exam — study deepest where the weight is highest. Open one for how to study it and its objectives.

How to study this domain

Focus on distinguishing between the different coverage forms, especially the HO-2 through HO-8 homeowners policies and DP-1 through DP-3 dwelling policies. Create comparison charts to memorize which perils are covered under basic, broad, and special forms. For commercial coverages, ensure you understand how the Commercial Package Policy (CPP) integrates various forms compared to the bundled approach of a Business Owners Policy (BOP).

Key objectives

Homeowners Policies (HO-2 through HO-8)
Dwelling Policies (DP-1, DP-2, DP-3)
Commercial Package Policy and Commercial Property Forms
Business Owners Policy (BOP), Builders Risk, and Cyber
Inland Marine Insurance
National Flood Insurance Program
Other Property Policies

Study this domain

Readiness self-check

Tick off everything you can confidently explain. Anything left unchecked is your study list — tap “Review” to jump straight into that domain.

Readiness

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Part A: Property Insurance - Types of Policies

Review

Can I distinguish between the perils covered under an HO-3 (Special Form) versus an HO-2 (Broad Form) homeowners policy?
Do I know the specific eligibility requirements and coverage components of the National Flood Insurance Program (NFIP)?
Can I explain the differences between a Commercial Package Policy (CPP) and a Business Owners Policy (BOP)?

Part A: Property Insurance - Terms and Related Concepts

Review

Am I able to calculate a claim payout when given a property's value, insurance carried, insurance required, and a coinsurance clause?
Can I clearly define moral, morale, and physical hazards and provide examples of each?
Do I understand the difference between actual cash value (ACV) and replacement cost?

Part A: Property Insurance - Policy Provisions and Contract Law

Review

Can I list the four major components of an insurance policy (Declarations, Insuring Agreement, Conditions, Exclusions) and describe what is found in each?
Do I know the specific duties required of an insured individual immediately following a property loss?
Can I explain the legal difference between a representation and a warranty in an insurance contract?

Part B: Casualty Insurance - Types of Policies, Bonds, and Related Terms

Review

Am I familiar with the separate coverage sections (A, B, and C) within a Commercial General Liability policy?
Can I identify the three parties involved in a surety bond contract and explain their responsibilities?
Do I understand how employers liability coverage functions alongside standard workers' compensation?

Part B: Casualty Insurance - Terms and Related Concepts

Review

Can I define vicarious liability and identify scenarios where it applies (e.g., employer/employee)?
Do I understand how a retroactive date functions within a claims-made liability policy?
Can I explain the difference between compensatory damages (special and general) and punitive damages?

Part B: Casualty Insurance - Policy Provisions

Review

Do I know the process of subrogation and why an insurer would exercise this right?
Can I describe how a claim is settled when 'other insurance' provisions apply to a casualty loss?
Am I familiar with the appraisal and arbitration conditions used to settle valuation disputes?

Part VII: General Insurance Regulation (Nationally-Uniform Framework)

Review

Can I recite Georgia's minimum required liability limits for personal automobile insurance?
Do I know the timeline and notice requirements for an insurer to cancel or nonrenew a property policy in Georgia?
Can I define unfair trade practices such as rebating, defamation, and twisting as outlined by Georgia statutes?
Am I aware of the continuing education requirements and renewal timelines for a licensed insurance producer in Georgia?

Quick reference

Essential Policy Acronyms

Common abbreviations used throughout property and casualty policy forms.

BOP: Business Owners PolicyA bundled package policy for small to medium-sized businesses.
CPP: Commercial Package PolicyA highly customizable commercial policy consisting of modular coverage parts.
HO: Homeowners PolicyStandard personal lines policies for owner-occupied residences (e.g., HO-3, HO-5).
DP: Dwelling PolicyProperty coverage for non-owner-occupied or tenant-occupied dwellings (e.g., DP-1, DP-3).
NFIP: National Flood Insurance ProgramFederal program providing flood insurance to participating communities.
CGL: Commercial General LiabilityCore commercial liability coverage protecting against premises, operations, and products liability.

Regulatory & Legal Acronyms

Federal and national regulatory acts frequently tested.

NAIC: National Association of Insurance CommissionersStandard-setting organization created by chief insurance regulators.
FCRA: Fair Credit Reporting ActFederal law regulating the collection and use of consumers' credit information in underwriting.
TRIA: Terrorism Risk Insurance ActFederal backstop for commercial property and casualty losses resulting from certified acts of terrorism.

Key Insurance Principles

Foundational terminology crucial for analyzing exam scenarios.

Indemnity

The principle of restoring an insured to their pre-loss financial condition, without allowing them to profit.

Subrogation

The transfer of the insured's right to recover damages from an at-fault third party to the insurance company.

Proximate Cause

The primary, unbroken chain of events that leads to a loss, establishing whether the resulting damage is covered.

Actual Cash Value (ACV)

A property valuation method calculated as Replacement Cost minus physical depreciation.

Vicarious Liability

Legal liability assigned to one party for the actions of another (e.g., an employer held liable for an employee's actions).

Frequently asked questions

Good to know

The exam includes 10 unscored pretest questions mixed in with the scored items. You will not know which questions are unscored.
Calculators are generally not needed as math requirements are limited to basic coinsurance, deductibles, or premium calculations. If required, an on-screen basic calculator may be provided by Pearson VUE.
State-specific laws and regulations act as a 'delta' built on top of the nationally uniform NAIC core content, making state compliance a critical study area.

Reading isn’t remembering.

Georgia Property & Casualty prep blends nationally-uniform insurance concepts with Georgia-specific law, and most materials muddle the two.

Only Ever teaches the shared national Property & Casualty core once, then layers Georgia insurance law - regulation, licensing, unfair practices, guaranty protection, and state-specific rules - as focused 15-minute topics.

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