jmr30183
Expert
I've been licensed in Georgia as a Property & Casualty Agent/Producer for Personal and Commercial Lines for several years. I am considering a move to the Los Angeles area at the end of the year- sort of a 'new start' or at least a trial run, since my cousin lives there and I'll be living with her and her familly until I find a job and commit to staying in California.
My Georgia license actually reads-
Resident Agent
Agent- Casualty
Agent- Property
In Georgia, you can't simply be licensed for Property or for Casualty individually, they're always combined even though they're listed separately. The P&C license is valid for Personal and Commercial Lines. It requires 40 hours or pre-licensing course study prior to takign the exam. Not to brag, but the pass rate on the first exam attempt is less than 12%, but I did it! =)
Looking at the CA Dept of Insurance website, here's how I am understanding the requirements-
Property Broker-Agent & Casualty Broker-Agent- 40hrs Gen P&C+ 12hrs Ethics & CA Ins Code Ed
But here's where it gets confusing-
There's a Commercial Insurance "upgade" to the P&C Agent-Broker above that requires another 20 hrs of Gen Ins Ed
***Based on that, I would infer that withot the Commercial 'upgrade' the P&C license is only valid for Personal Lines, correct?
BUT there is also a Personal Lines Broker-Agent licnese that only requires 20hrs Gen Ins Ed + 12hs Ethics/CA Code?
What is the difference between the Personal Lines Broker-Agent AND the Property Broker-Agent + Casualty Broker-Agent license???
If I'm only interested in selling Personal Lines (Auto, Homeowner, Renters, Landlord's (Dwelling Fire) would the Personal Lines Broker-Agent be the way to go? Just 20+12 hours of course study?
Also, what about Earthquake coverage, if you're licensed to sell Homeonwners are you also able to sell Earthquake? For instance, when I became licensed for P&C in Georgia, I could sell Homeowners insurance plus it also gave me legal authority to sell Flood Insurance....
And another BIG question- Can anyone recommend any books, websites or other source to learn about California Insurance Code and Law?
Any info or guidance will be GREATLY appreciated!!!
My Georgia license actually reads-
Resident Agent
Agent- Casualty
Agent- Property
In Georgia, you can't simply be licensed for Property or for Casualty individually, they're always combined even though they're listed separately. The P&C license is valid for Personal and Commercial Lines. It requires 40 hours or pre-licensing course study prior to takign the exam. Not to brag, but the pass rate on the first exam attempt is less than 12%, but I did it! =)
Looking at the CA Dept of Insurance website, here's how I am understanding the requirements-
Property Broker-Agent & Casualty Broker-Agent- 40hrs Gen P&C+ 12hrs Ethics & CA Ins Code Ed
But here's where it gets confusing-
There's a Commercial Insurance "upgade" to the P&C Agent-Broker above that requires another 20 hrs of Gen Ins Ed
***Based on that, I would infer that withot the Commercial 'upgrade' the P&C license is only valid for Personal Lines, correct?
BUT there is also a Personal Lines Broker-Agent licnese that only requires 20hrs Gen Ins Ed + 12hs Ethics/CA Code?
What is the difference between the Personal Lines Broker-Agent AND the Property Broker-Agent + Casualty Broker-Agent license???
If I'm only interested in selling Personal Lines (Auto, Homeowner, Renters, Landlord's (Dwelling Fire) would the Personal Lines Broker-Agent be the way to go? Just 20+12 hours of course study?
Also, what about Earthquake coverage, if you're licensed to sell Homeonwners are you also able to sell Earthquake? For instance, when I became licensed for P&C in Georgia, I could sell Homeowners insurance plus it also gave me legal authority to sell Flood Insurance....
And another BIG question- Can anyone recommend any books, websites or other source to learn about California Insurance Code and Law?
Any info or guidance will be GREATLY appreciated!!!