Getting your Maryland property and casualty license is the first step toward becoming a P&C insurance agent in Maryland.
The Maryland Insurance Administration requires you to complete a four-step process to obtain your property & casualty license – from taking the P&C insurance exam to applying for a P&C license.
These steps will take a few weeks to complete so we recommend you bookmark this page so you can use it as a reference throughout the process.
Obtaining your Maryland P&C license is easy. Just follow these four simple steps to start your journey toward becoming a property and casualty insurance agent. Once you earn this license, check out our guide on how to get your Maryland life insurance license as well.
Before you take the Maryland P&C insurance licensing exam, it’s important to make time to acquire the knowledge you’ll need to pass this exam on your first attempt. Completing a pre-license education course will equip you with the necessary information and tools you’ll need to prepare for your exam.
Maryland requires P&C insurance applicants to complete 40 combined hours of pre-licensing education. A pre-license education course provides very specific industry knowledge that insurance professionals will encounter during the exam. There are very few questions on this test that you can answer with “common sense” information.
You can complete insurance licensing courses on your own schedule and at your own pace when you choose online courses. Taking a pre-license education course will also give you a solid understanding of your duties as a P&C insurance agent.
Over 81% of our readers use ExamFX’s online courses — which come with a money-back guarantee — when preparing for their insurance license exam(s). For comprehensive study packages, StateRequirement recommends:
ExamFX
After you complete a pre-licensing education course and/or your own independent study, it’s time to take the Maryland P&C license exam.
Maryland uses Prometric as its official testing service for delivering licensure exams.
The Maryland P&C insurance exam:
Passing the Maryland P&C license exam can prove challenging, but taking an exam prep course and following a good study program can help prepare you to pass on your first attempt.
If you happen to fail the Maryland P&C insurance exam, you must wait four days before retaking the exam. Your exam results will remain valid for six months. If you don’t apply for the P&C license within six months, your exam results will expire and you must take the pre-licensing course again in order to retake the exam.
Tip
Check out our in-depth insurance exam guide for tips to help you pass on the first attempt.
Once you pass the P&C insurance exam, you can apply for your P&C insurance license.
In Maryland, you must apply online via the NIPR. The application fee is $54 and the transaction fee is $5.60.
The Maryland Insurance Administration will issue a P&C insurance license to individuals who are at least 18 years old and have passed the proper licensing exam. You should submit your completed license application within six months of passing the exam.
To apply for a P&C insurance license in Maryland, make sure you comply with the insurance licensing requirements as defined under Maryland Laws and Regulations.
If you have any questions or need to forward supporting documents related to your license application, send them to producerlicensing.mia@maryland.gov.
After you complete the previous three steps, the Maryland Insurance Administration will review your application. The process usually takes three to five business days from the date you submit your application.
You can print your license from the NIPR website. There’s no charge to create an account or print a license. If you need to search and verify your license, you can use the National Association of Insurance Commissioners (NAIC) State Based Systems (SBS) Maryland Lookup tool.
You’re now ready to get started as a P&C insurance agent in Maryland.
Recommended: Over 81% of our readers use ExamFX’s online courses — which come with a money-back guarantee — when preparing for their insurance license exam(s). For comprehensive study packages, StateRequirement recommends:
ExamFX
Once you complete the above steps and have your Maryland P&C insurance license, here’s what you should pursue next.
Once you hold a P&C license, you can consider several different insurance-related careers. The P&C license gives you authorization within your state to sell P&C insurance policies and related products that’ll provide financial protection to your clients against loss or damage.
When applying for an insurance-related job, potential employers will request your license number and National Producer Number (NPN).
In Maryland, you must take 24 hours of continuing education (CE) courses every two years to renew your P&C license. Maryland CE requirements state that three of those hours must focus on ethics or consumer protection and two hours must focus on flood education for combined P&C lines of authority.
If you have a non-resident license that meets all the CE requirements in your home state, you don’t need to take CE courses in Maryland.
The Maryland Insurance Administration will send you a renewal notice to the email address you provided with your license application. To avoid delays in renewing your license, you must complete your CE requirements at least 30 days before your license expiration date. You can renew your license through the NIPR. The renewal fee is $69 and the late fee is $100.
For more detailed information, check out how to renew your license with our Maryland insurance license renewal guide.
Mailing Address:
200 St. Paul Place, Suite 2700
Baltimore, MD 21202
Phone: (410) 468-2411
