How many questions are on the Ohio Property & Casualty Insurance Exam?

The exam contains 150 multiple-choice questions. Note that some of these may be unscored pretest questions mixed in with the scored questions.

How much time do I have to complete the OH-PC exam?

Candidates are given a total of 150 minutes (2.5 hours) to complete the examination.

What is the passing score for the Ohio P&C exam?

Because insurance licensure is managed at the state level, the required score varies by state and the candidate MUST verify the exact passing score with their specific state or certification agency. While Ohio requires a 70% to pass this specific exam, other jurisdictions have different requirements (for example, states like Maine and Pennsylvania require a 75% passing score for certain insurance producer exams).

How much does it cost to take the Ohio Property and Casualty exam?

The exam fee typically ranges from $42 to $49, payable when you schedule your test via PSI.

Where can I take the Ohio insurance licensing exam?

The exam is delivered via computer-based testing at a PSI test center, or it can be taken online via secure remote proctoring.

How long should I study for the OH-PC exam?

Most candidates require between 40 and 50 hours of dedicated study time to master both the national property and casualty concepts and the Ohio-specific regulations.

Does the exam only cover Ohio laws?

No. The exam is heavily weighted toward general property and casualty knowledge (nationally-uniform NAIC concepts), while the final regulatory section specifically covers Ohio state codes, the Department of Insurance rules, and state-specific auto/property laws.

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OH-PC · Syllabus & Exam Outline 2026

Ohio Property & Casualty Insurance License Exam

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

Start studying free see the outline ↓

Questions: 150
Time limit: 150 minutes
Passing score: 70%
Cost: $42 - $49
Format: Multiple-choice
Delivery: Computer-based testing at a PSI test center or online via secure remote proctoring
Prep time: ~44 hours

Exam overview

Preparing for the Ohio Property & Casualty Insurance License Exam (OH-PC) requires a solid grasp of both national insurance principles and state-specific regulations. This official syllabus outlines the core competencies needed to become a licensed producer in Ohio, managed by the Ohio Department of Insurance (ODI). The exam evaluates your understanding of various property and casualty policies, insurance contract law, liability concepts, and the ethical regulations governing the industry. The test is fundamentally split between nationally uniform content—such as the NAIC model regulations, policy provisions, and foundational insurance concepts—and Ohio-specific laws. Mastering this material is critical not just for passing the exam, but for protecting consumers and appropriately advising clients in your career. To help you study more efficiently, Only Ever maps every domain to 15-minute study topics. This structured approach allows you to break down complex liability frameworks and state codes into manageable, daily study sessions, ensuring you are fully prepared on test day.

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 the differences between the various Homeowners (HO-2 through HO-8) and Dwelling (DP-1 to DP-3) forms. Pay special attention to eligibility requirements for Commercial Package Policies (CPP) and Business Owners Policies (BOP), as well as the scope of specialty policies like the National Flood Insurance Program (NFIP).

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 you distinguish between the covered perils in an HO-3 (Special Form) versus an HO-5 (Comprehensive Form) policy?
What types of businesses are eligible for a Business Owners Policy (BOP)?
How does the National Flood Insurance Program (NFIP) define a flood, and what are its standard waiting periods?

Part A: Property Insurance - Terms and Related Concepts

Review

Can you explain the difference between a moral hazard and a morale hazard?
How is Actual Cash Value (ACV) calculated in a property loss?
What is the coinsurance formula, and how does it penalize underinsured property owners?

Part A: Property Insurance - Policy Provisions and Contract Law

Review

What specific information is found on the Declarations page of an insurance policy?
What are the four essential elements required to form a legally binding insurance contract?
What rights does the mortgagee clause grant to a lender in a property insurance contract?

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

Review

What exposures are covered under Coverage A, Coverage B, and Coverage C of a CGL policy?
Can you identify the principal, the obligee, and the surety in a surety bond?
How do Umbrella policies differ from Excess Liability policies?

Part B: Casualty Insurance - Terms and Related Concepts

Review

What is vicarious liability, and how does it commonly apply in employer-employee relationships?
How does a claims-made policy trigger differ from an occurrence policy trigger?
What is the purpose of a retroactive date in casualty insurance?

Part B: Casualty Insurance - Policy Provisions

Review

What are the insured's duties immediately following a liability claim or lawsuit?
How does the 'other insurance' provision dictate claim payments when multiple policies apply?
What is subrogation, and how does it prevent the insured from collecting twice for the same loss?

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

Review

What is the difference between misrepresentation and rebating under Ohio unfair trade practices?
What are the continuing education (CE) requirements to maintain a resident producer license in Ohio?
Under what circumstances will the Ohio Insurance Guaranty Association step in to pay claims?

Quick reference

Essential Insurance Acronyms

Common abbreviations you must recognize on the exam.

ACV: Actual Cash ValueReplacement Cost minus Depreciation
BOP: Business Owners PolicyA package policy for small to medium businesses
CGL: Commercial General LiabilityStandard commercial liability coverage
CPP: Commercial Package PolicyCustomizable commercial property/liability policy
DP: Dwelling PolicyFor non-owner-occupied or rental properties
FCRA: Fair Credit Reporting ActFederal law protecting consumer privacy
HO: Homeowners PolicyPackage policy for owner-occupied residences
NAIC: National Association of Insurance CommissionersCreates model laws for national uniformity
NFIP: National Flood Insurance ProgramFederal program providing flood insurance
ODI: Ohio Department of InsuranceThe regulatory authority in Ohio
TRIA: Terrorism Risk Insurance ActFederal backstop for acts of terrorism

Key Insurance Concepts Glossary

Fundamental terms and definitions central to P&C insurance.

Indemnity

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

Insurable Interest

A financial stake in the property being insured, which must exist at the time of the loss in P&C insurance.

Law of Large Numbers

A statistical concept stating that as the number of exposure units increases, the predictability of future losses improves.

Proximate Cause

An unbroken chain of events originating from a covered peril that directly leads to a loss.

Subrogation

The legal process by which an insurance company, after paying a claim, seeks recovery from the at-fault third party.

Vicarious Liability

Liability assigned to one party for the conduct of another, based solely on a relationship (e.g., employer and employee).

Binder

A temporary insurance contract providing coverage until a permanent policy is issued or denied.

Frequently asked questions

Good to know

The exam is administered entirely via computer, either at a physical testing center or through remote proctoring.
The test consists solely of multiple-choice questions; there are no constructed-response or essay items.
A portion of the 150 questions may be unscored 'pretest' items used by the exam provider to validate future test questions. These will be indistinguishable from scored questions.

Reading isn’t remembering.

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

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

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