- The scored exam is 130 questions (50 Property, 50 Casualty, 30 Minnesota law) in 180 minutes.
- You need 70% to pass, and 20 hours of prelicensing education per line (40 total for both).
- The exam fee is $45, administered by PSI Services LLC on behalf of the Minnesota Department of Commerce.
- Fingerprints for a criminal-history check are mandatory before licensure.
Quick Facts Snapshot
This cheat sheet is built for the final stretch before your appointment - a condensed, one-page-style reference of the numbers, structure, and rules that actually show up on test day. If you need the full walkthrough first, start with the MN-PC Study Guide 2026: How to Pass on Your First Attempt. Everything below assumes you already know the basics and just need the facts locked in.
| Item | Detail |
|---|---|
| Regulator | Minnesota Department of Commerce |
| Test administrator | PSI Services LLC |
| Exam fee | $45 |
| Scored questions | 130 multiple-choice |
| Pretest questions | 15 (unscored, mixed in) |
| Time allowed | 180 minutes |
| Passing score | 70% |
| Prelicensing education | 20 hours per line, 40 hours for both |
| Background check | Fingerprints required |
| Result validity | 3 years |
| Test locations | PSI test centers or online proctoring |
Domain Breakdown at a Glance
The combined Property & Casualty Producer exam is split into three content areas. Memorize the question counts - they tell you exactly where to spend study hours.
Domain 1: Property - General Knowledge
50 scored questions covering core property insurance principles, policy structure, and coverage mechanics that apply broadly, not just in Minnesota.
- Perils, causes of loss, and policy forms
- Property valuation and loss settlement methods
- Endorsements and exclusions common to property policies
Domain 2: Casualty - General Knowledge
50 scored questions on liability exposures, auto and general liability concepts, and casualty policy structure.
- Liability theory and negligence concepts
- Auto insurance coverage parts
- Commercial general liability basics
Domain 3: Property & Casualty - Minnesota Specific
30 scored questions on state law, licensing rules, and Minnesota regulatory requirements that layer on top of the general knowledge tested in Domains 1 and 2.
- Producer licensing and appointment rules
- Minnesota-specific policy requirements and mandates
- Unfair trade practices and consumer protection statutes
For a deeper dive into each area, including sample topics and weighting rationale, see the MN-PC Exam Domains 2026: Complete Guide to All 3 Content Areas. If you're still calibrating how tough this exam is relative to your study time, read How Hard Is the MN-PC Exam? Complete Difficulty Guide 2026.
Property Domain Must-Knows
Domain 1 carries 50 of your 130 scored questions - more than a third of the exam. Candidates who under-prepare here usually do so because property terminology feels "obvious" until the exam phrases it in unfamiliar policy language.
- Named-peril vs. open-peril (all-risk) forms - know which losses are covered by default and which require an endorsement.
- Replacement cost vs. actual cash value - be ready to calculate or identify the difference conceptually, not just define the terms.
- Coinsurance clauses - understand why underinsuring triggers a penalty and how the formula is applied.
- Homeowners policy structure - coverage sections (dwelling, other structures, personal property, loss of use, liability) and what falls under each.
- Common exclusions - flood, earth movement, and wear-and-tear are frequent distractor answers.
Key Takeaway
Property questions reward precise reading of policy language over memorized definitions. Practice questions that ask "which of the following is covered" rather than "define this term."
Casualty Domain Must-Knows
Domain 2 also carries 50 scored questions, making Property and Casualty jointly responsible for 100 of the 130 questions on the exam - roughly 77% of your score. This is where most study time should go.
- Negligence and liability theory - duty, breach, causation, and damages; comparative vs. contributory negligence distinctions.
- Personal auto policy parts - liability, medical payments, uninsured/underinsured motorist, and physical damage coverages.
- Commercial general liability - occurrence vs. claims-made forms, and what triggers coverage under each.
- Workers' compensation basics - how it interacts with liability exposures in a commercial account.
- Umbrella and excess liability - how these layer over underlying policies.
Minnesota-Specific Must-Knows
Domain 3's 30 questions are the most "learnable" in the short term because they're rule-based rather than conceptual. Many candidates find this the highest-yield section for late-stage cramming.
- Licensing requirements - prelicensing education hours, fingerprinting for the criminal-history check, and renewal obligations.
- Lines of authority - how Property and Casualty are licensed separately or combined, and what that means for your prelicensing hours (20 per line, 40 for both).
- Producer conduct rules - unfair claims practices, rebating restrictions, and misrepresentation statutes specific to Minnesota.
- State-mandated coverages - any Minnesota-specific policy provisions or minimums that differ from generic industry standards.
- Regulatory authority - knowing that the Minnesota Department of Commerce oversees licensing and enforcement, with PSI Services LLC administering the exam itself.
Because this domain is state-specific and rule-driven, it's a strong candidate for repeated short review sessions rather than long study blocks. For the full eligibility picture before you even schedule, check MN-PC Requirements 2026: Eligibility, Prerequisites & How to Qualify.
Registration & Test-Day Mechanics
Beyond content, the exam has procedural details that catch unprepared candidates off guard.
- Fee: $45 per attempt, paid through PSI's registration system.
- Format choice: You can sit for the exam at a PSI test center or use online proctoring - pick whichever environment minimizes distraction for you.
- Time budget: 180 minutes for 145 total questions (130 scored + 15 pretest) works out to roughly 1.2 minutes per question - comfortable if you don't get stuck re-reading.
- Passing threshold: 70% of the 130 scored questions, meaning roughly 91 correct answers, though the exact cut score is set by the Department of Commerce.
- Validity window: Once you pass, results are valid for three years - don't let your license application lapse past that window.
For a granular look at exactly how the score is calculated and what "70%" means in practice, see MN-PC Passing Score 2026: Exactly What You Need to Pass. If you're budgeting for the whole licensing process - not just the exam fee - read MN-PC Certification Cost 2026: Complete Pricing Breakdown. And if scheduling logistics or blackout periods matter to your timeline, check MN-PC Exam Dates 2026: Testing Windows, Deadlines & Scheduling.
Key Takeaway
Fingerprinting for the criminal-history check is a separate step from the exam itself - schedule it early so it doesn't delay your license issuance after you pass.
Final-Week Review Plan
If you've already done your 20 or 40 hours of prelicensing education and full study cycle (see the study guide for that), this final week should be pure reinforcement, weighted by domain size.
Casualty Reinforcement
- Drill liability theory, auto coverage parts, and CGL trigger types
- Run timed practice sets on ../ to simulate the 1.2-minute-per-question pace
Property Reinforcement
- Re-review coinsurance math and replacement cost vs. ACV scenarios
- Focus on exclusion-based questions, a common weak spot
Minnesota Law Cleanup
- Rapid-fire review of licensing rules, fingerprinting requirements, and producer conduct statutes
- Since this domain is only 30 questions, use short, frequent sessions instead of long blocks
Full Simulation
- Take one full-length timed practice exam on ../ under real conditions
- Review every missed question and trace it back to its domain
Common Traps on the Cheat Sheet
These are the mistakes that show up repeatedly in post-exam candidate feedback, regardless of how much someone studied.
- Confusing pretest and scored questions: There's no way to identify the 15 unscored pretest items among the 145 you see, so pace yourself as if all questions count.
- Treating Minnesota law as an afterthought: At 30 questions, this domain is smaller than Property or Casualty, but it's also the most memorization-friendly - an easy source of points if you review it deliberately.
- Skipping the fingerprint step: This isn't part of the exam, but forgetting to schedule it can delay licensure even after you pass.
- Miscounting prelicensing hours: 20 hours per line means single-line candidates need less prep time than dual-line candidates pursuing the full 40-hour combined path - confirm which track applies to you before test day.
- Assuming your pass is permanent: Passing results are only valid for three years, so don't sit on your results indefinitely before applying for licensure.
Curious how your prep stacks up against other candidates statistically? The MN-PC Pass Rate 2026: What the Data Shows article covers that in detail. And if you want structured coaching before you sit for the real thing, browse MN-PC Training resources or run full-length practice exams on ../ to build timing confidence before test day.
FAQ
The combined Property & Casualty Producer exam has 130 scored multiple-choice questions plus 15 unscored pretest questions, for 145 total, and you get 180 minutes to complete them.
You need 70% correct on the 130 scored questions. The 15 pretest questions don't count toward your score but are indistinguishable from scored items during the test.
The scored portion breaks down into 50 Property questions, 50 Casualty questions, and 30 Minnesota-specific law questions, covering the three official domains.
Yes. Minnesota requires 20 hours of approved prelicensing education per line of authority, or 40 hours total if you're pursuing both Property and Casualty at once.
Passing results are valid for three years. You can take the exam at a PSI test center or through online proctoring, and fingerprints for a criminal-history check are required as part of licensure.