- Property has 79 scored questions, Casualty has 91 - separate exams, each 3 hours 30 minutes, $47 each.
- Passing score is 70% on both the Property and Casualty exams administered by PSI Services LLC.
- Property Types of Policies and common NJ law tie as the largest Property domains at 31.6% each.
- Common New Jersey law is the single largest Casualty domain at 27.5% of scored content.
Exam Basics at a Glance
Before you memorize a single domain, lock in the operational facts that shape how you prepare. The New Jersey Department of Banking and Insurance sets licensing requirements, but the exams themselves are built and delivered by PSI Services LLC. Property and Casualty are two distinct computer-based, multiple-choice exams - not one combined test - and each has its own question count, timing, and fee.
Because the experimental questions are unscored but indistinguishable from real ones, don't waste time guessing which items "don't count." Treat every question on screen as if it matters - you have no way to know otherwise. For a full breakdown of how these numbers translate into a study plan, see the NJ-PC Study Guide 2026.
Property Exam Domains
The Property exam is organized into five domains. Two of them are tied for the largest share of scored content, which tells you exactly where to spend your review hours.
Domain 1: Types of Policies (tied largest, 31.6%)
Covers the structure and purpose of dwelling, homeowners, and commercial property forms.
- Distinguish named-peril from open-peril (all-risk) coverage
- Know coverage forms and endorsements commonly tested on NJ exams
Domain 4/5: New Jersey Laws, Rules, and Regulations (tied largest, 31.6% combined weight area)
Splits into rules common to all lines and rules unique to property insurance.
- Producer licensing rules that apply across life, accident and health, property, and casualty
- Property-specific statutory requirements unique to New Jersey
Domain 2 & 3: Insurance Terms, Policy Provisions, and Contract Law
Smaller in weight but still tested - expect definitions, conditions, and contract fundamentals.
- Standard policy conditions and duties after loss
- Elements of an insurable contract
Notice that Types of Policies and common New Jersey law are tied for the top spot on the Property side. That tie is unusual and worth internalizing - many candidates over-study policy forms while under-studying the shared statutory material. A domain-by-domain walkthrough of exactly what's tested lives in the NJ-PC Exam Domains 2026 guide.
Casualty Exam Domains
Casualty has five domains of its own, and unlike Property, there is a single clear leader.
Domain 10 / Domain 9: New Jersey Law - Casualty's Biggest Domain (27.5%)
Common New Jersey law is the largest Casualty domain, split between rules shared across lines and rules pertinent only to casualty insurance.
- Producer conduct, licensing, and disclosure rules common to all lines
- Casualty-only statutory provisions specific to New Jersey
Domain 6: Types of Policies, Bonds, and Related Terms
Auto, general liability, workers compensation, and surety bond fundamentals.
- Liability coverage triggers and exclusions
- Bond terminology and the difference between insurance and suretyship
Domain 7 & 8: Insurance Terms and Policy Provisions
Definitions and provisions that recur across multiple casualty policy types.
- Standard exclusions and conditions
- Endorsement mechanics
With 91 scored questions on Casualty versus 79 on Property, the Casualty exam is longer in raw item count even though both share the same 3 hour 30 minute window. That means your pacing per question needs to be tighter on Casualty day. If you're weighing how tough this actually feels in practice, the How Hard Is the NJ-PC Exam? guide breaks down difficulty by domain.
Key Takeaway
Rank your review time by domain weight, not by personal comfort. Property's tied 31.6% domains and Casualty's 27.5% New Jersey law domain deserve first priority over smaller definitional domains.
Registration & Testing Logistics
Both exams are scheduled and delivered through PSI Services LLC, and candidates have two delivery options:
- PSI test center: in-person, proctored, standard breaks allowed per PSI policy.
- Live online proctoring: take the exam remotely - but remotely proctored exams do not allow breaks, so plan your 3 hour 30 minute session accordingly.
Each exam costs $47, and each is scored independently - if you're licensing in both Property and Casualty, budget for two separate $47 fees and two separate scheduling windows. A full cost breakdown, including prelicensing education expenses, is covered in the NJ-PC Certification Cost 2026 guide.
Scores are valid for one year from the test date, which matters if you're staging Property and Casualty separately or need to reapply for licensing after a delay. Resident applicants must also complete fingerprinting as part of the licensing process - this is separate from the exam itself and should be scheduled early so it doesn't hold up your license application after you pass. Exact scheduling windows and how far in advance to book your PSI appointment are detailed in the NJ-PC Exam Dates 2026 guide.
Licensing, Fingerprinting, and CE Renewal
Passing the exam is one milestone, not the finish line. Here's the full lifecycle a candidate needs to plan for:
- Prelicensing education: 20 hours per line, or 40 hours if pursuing Property and Casualty together, unless you qualify for a waiver.
- Fingerprinting: required of resident applicants as part of the background check process.
- Exam: pass Property and/or Casualty at 70% within your one-year score validity window.
- License issuance: handled through the New Jersey Department of Banking and Insurance once exam and background requirements are met.
- Renewal: biennial, requiring 24 continuing-education credits, including 3 ethics credits, to keep the license active.
For a candidate-by-candidate breakdown of who qualifies, waiver conditions, and documentation, see the NJ-PC Requirements 2026 guide. And if you want the exact numeric bar you're clearing, the NJ-PC Passing Score 2026 guide walks through the 70% threshold on both exams in more depth.
Final-Week Cram Plan
If you've already done your core prelicensing hours and practice testing, the last week should be about domain-weighted repetition, not new material. This is the one place generic study mechanics are worth naming - but only mapped to NJ-PC's actual domain weights.
Property: Types of Policies + NJ Law
- Drill the two tied 31.6% domains first since they carry the most scored weight
- Run timed question sets to match the 79-question, 3.5-hour pace
Property: Terms, Provisions, Contract Law
- Clean up definitional gaps in the smaller Property domains
- Review missed items from full-length practice sessions
Casualty: NJ Law (27.5%) + Policy Types/Bonds
- Prioritize common New Jersey law since it's Casualty's single largest domain
- Follow with types of policies, bonds, and related terms
Casualty: Terms & Provisions, Full Mock Exams
- Finish smaller Casualty domains
- Take full 91-question timed mocks to build stamina for the no-break remote format if that's your test mode
This sequencing front-loads the domains with the highest scored weight on each exam and leaves the smaller definitional domains for cleanup passes. For a more detailed week-by-week strategy that spans your entire prep timeline (not just the final week), review the NJ-PC Study Guide 2026.
Quick Reference Table
| Attribute | Property Exam | Casualty Exam |
|---|---|---|
| Scored Questions | 79 | 91 |
| Unscored Experimental Questions | 5-19 possible | 5-19 possible |
| Time Allowed | 3 hours 30 minutes | 3 hours 30 minutes |
| Passing Score | 70% | 70% |
| Fee | $47 | $47 |
| Largest Domain(s) | Types of Policies & NJ Law (tied, 31.6%) | Common NJ Law (27.5%) |
| Prelicensing Hours | 20 (or 40 combined with Casualty) | 20 (or 40 combined with Property) |
Keep this table next to your study schedule. Since both exams share the same format, fee, and pass threshold, the differentiator in your prep is purely domain weighting and question volume - not difficulty mechanics.
Who Hires NJ-PC Producers
Property and Casualty licensing under the New Jersey Department of Banking and Insurance opens the door to producer roles at independent agencies, captive insurance carriers, brokerage firms, and MGA/MGU operations that write personal and commercial P&C lines in New Jersey. Because Property and Casualty are licensed and tested separately, some producers hold only one line initially and add the other later as their book of business grows. If you're evaluating whether the credential pays off relative to the prelicensing hours and exam fees involved, the Is the NJ-PC Certification Worth It? ROI Analysis and NJ-PC Salary Guide 2026 lay out the considerations in more depth. For open roles and how the license factors into hiring, see NJ-PC Jobs.
Newcomers to the field often start by asking foundational questions - what the credential actually is, what the acronym stands for, and how it differs from other state producer licenses. If that's you, the primer articles What Is NJ-PC? and NJ-PC Meaning are good starting points before you dive into domain-level study.
Once you're ready to test your recall against real exam-style questions, run a full-length timed session on the practice test platform to see how your pacing holds up against the 79- and 91-question formats before test day.
FAQ
They are two separate computer-based multiple-choice exams. Property has 79 scored questions and Casualty has 91 scored questions, each with its own 3 hour 30 minute time limit and $47 fee.
You need 70% to pass either the Property exam or the Casualty exam. Details on how this is calculated are in the NJ-PC Passing Score 2026 guide.
If you test at a PSI test center, standard break policies apply. If you take the exam via live online proctoring, no breaks are allowed during the 3 hour 30 minute session.
Exam scores are valid for one year, which matters if you're completing Property and Casualty on separate schedules or need to finalize licensing after testing.
Producer licenses renew biennially and require 24 continuing-education credits, including 3 ethics credits, within each renewal cycle.