NJ P&C

The New Jersey Department of Banking and Insurance contracts with PSI Services LLC for producer and public adjuster licensing examinations and continuing education credit banking. Reservations can be made at psiexams.com/njin or by telephone at 1-800-733-9267. The Department does not publish the exam appointment, so schedule directly with the vendor and confirm current availability and identification requirements.

Those details are set by the testing vendor and are not published on the Department's licensing page, so confirm the current format, item count and time limit when you book your appointment. Do not rely on figures from older study guides or third-party summaries, which may describe a previous version of the exam.

For major lines of authority you must either successfully complete the required prelicensing education and pass the New Jersey producer licensing exam, or obtain a waiver from the Department's Insurance Education Unit. Limited lines that carry no education or testing requirement can be applied for directly online. Approved designations such as CPCU, CIC, AAI and ARM support a property and casualty prelicensing education waiver.

Start with insurance principles and concepts, then property and casualty basics, because later policy topics build on that vocabulary. Move next to dwelling, homeowners, personal auto, and commercial property and liability. Reserve the final block for New Jersey laws, rules and regulations, which rewards fresh, precise recall of notification, renewal and licensing requirements.

Candidates most often lose points by skimming policy structure, so they cannot distinguish coverage grants, exclusions, conditions and endorsements under pressure. The other frequent gap is New Jersey-specific regulation: renewal deadlines, fee amounts and notification windows are tested as exact facts. Memorizing numbers without understanding which licensee or license type they apply to causes avoidable errors.

The producer license renewal fee for major lines is $150. A late fee of an additional $100 applies to renewal applications submitted more than 30 days following the scheduled expiration date. Limited line licensees pay $75, with a $50 late fee. Any renewal submitted on paper instead of online carries an additional $20 processing fee.

Applications received more than 30 days but less than one year following the scheduled expiration date are considered late, and the late fee must accompany the renewal fee. A former licensee who fails to renew within one year of the scheduled expiration date must re-qualify as a new applicant, which means repeating education and testing requirements.

Resident individual licensees must complete 24 continuing education credits per renewal cycle, including at least three credit hours in an approved ethics course. PSI Services LLC tracks each licensee's credit balance; you can check your total by calling 1-877-526-6833 or visiting ce.psiexams.com. All credits must be satisfied and recorded before you can renew online.

New Jersey producer licensing regulations require producers to notify the Department of address changes, including email address, within 30 days of the change. Address changes can be filed electronically, but that form does not update email only, so use the separate free email update service the Department provides.

Yes. Resident and nonresident producers who meet renewal requirements and hold an active, non-lapsed license can renew online through the National Insurance Producer Registry. The Department no longer mails licenses; licensees print them through State Based Systems, and an optional Online Licensee Services subscription costs $5.95 annually.