Iowa Casualty Insurance — Requirements & Free Practice
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Licenses, application pathways and examination requirements
Each license and applicant pathway has its own requirements and exemptions. Choosing practice questions does not determine your eligibility.
Business Entity Insurance Producer License
A business entity may elect to obtain an insurance producer license and must designate a licensed producer responsible for compliance.
Licensing authority: Iowa Insurance Division · Application information
Nonresident business entity issuance
No examination is required for this applicant pathway.
- Application
- Submit uniform business entity application and nonresident request through NIPR; pay fee.
- Home State
- Eligible business entity in good standing under home-state licensing and reciprocity.
- Responsible Producer
- Designate an active Iowa-licensed responsible producer.
Official no-examination sources
Effective from 2026-09-22.
- Iowa Code 2026, Chapter 522B
522B.5(2)
- Iowa Administrative Code, Insurance 191, Chapter 10; IAC 2/5/25
191—10.18(2)(a)
- Iowa Code 2026, Chapter 522B
522B.7(1)
New business entity application after failure to replace responsible producer
No examination is required for this applicant pathway.
- Application
- Submit a new entity application, designate a qualified responsible producer and pay appropriate fee.
- Trigger
- Entity failed to substitute an active designated responsible producer within ten days.
Official no-examination sources
Effective from 2026-09-22.
- Iowa Administrative Code, Insurance 191, Chapter 10; IAC 2/5/25
191—10.18(2)(b)
- Iowa Code 2026, Chapter 522B
522B.5(2)
- Iowa Administrative Code, Insurance 191, Chapter 10; IAC 2/5/25
191—10.18(2)(a)
Business entity renewal
No examination is required for this applicant pathway.
- Renewal
- Submit renewal through NIPR and pay fee before expiration.
- Responsible Producer
- Maintain an active Iowa-licensed designated responsible producer; replace one whose license lapses or terminates within ten days.
Official no-examination sources
Effective from 2026-09-22.
Resident business entity issuance
No examination is required for this applicant pathway.
- Application
- Uniform business entity application through NIPR; pay license fee.
- Entity
- Business entity elects to hold a producer license.
- Responsible Producer
- Designate an Iowa-licensed officer, owner, partner or member responsible for transactions and compliance; individual examinations are not the entity’s exams.
Official no-examination sources
Effective from 2026-09-22.
- Iowa Code 2026, Chapter 522B
522B.5(2)
- Iowa Administrative Code, Insurance 191, Chapter 10; IAC 2/5/25
191—10.18(2)(a)
nonresident limited lines insurance producer license
Limited nonresident authority mirrors an existing home-state license when that license covers a restricted casualty scope.
Licensing authority: Iowa Insurance Division · Application information
Reciprocal nonresident limited casualty authority
No examination is required for this applicant pathway.
- Eligibility
- Meet nonresident good-standing, reciprocal licensing, application, fee and applicable criminal-history requirements.
- Home State
- Hold a limited home-state producer license whose scope includes restricted casualty insurance.
- Scope
- Iowa grants the same scope of authority, not full casualty authority.
Official no-examination sources
Effective from 2026-09-22.
- Iowa Code 2026, Chapter 522B
522B.7(4)
- Iowa Code 2026, Chapter 522B
522B.7(1)
Reinstate lapsed nonresident limited casualty authority
No examination is required for this applicant pathway.
- Eligibility
- Maintain corresponding home-state limited casualty scope and good standing; pay renewal and reinstatement fees.
- Time
- Apply within 12 months of expiration through NIPR.
Official no-examination sources
Effective from 2026-09-22.
Renew nonresident limited casualty authority
No examination is required for this applicant pathway.
- Home State
- Maintain the corresponding limited authority and home-state compliance.
- Renewal
- Renew timely through NIPR and pay fee.
Official no-examination sources
Effective from 2026-09-22.
- Iowa Code 2026, Chapter 522B
522B.6(3), before page break
- Iowa Administrative Code, Insurance 191, Chapter 11; IAC 2/5/25
191—11.1(3)(a)-(d)
Temporary Insurance Producer License
Temporary casualty authority subject to the commissioner’s servicing and public-interest determination.
Licensing authority: Iowa Insurance Division · Application information
Temporary licensure — entity successor
No examination is required for this applicant pathway.
- Applicant
- Member or employee of a licensed producer entity after death or disability of its designated individual.
- Discretion
- Commissioner must find temporary issuance necessary for servicing the insurance business.
- Duration
- Chapter 10 provides 90 days with extensions, never beyond 180 days under 522B.10.
- Protection
- Commissioner may limit authority, require a licensed producer or insurer sponsor, impose protective requirements or revoke; license ends on disposition of the business.
- Scope
- This record covers temporary casualty authority.
Official no-examination sources
Effective from 2026-09-22.
- Iowa Code 2026, Chapter 522B
522B.10(1), enabling clause
- Iowa Code 2026, Chapter 522B
522B.10(1)(b)
- Iowa Administrative Code, Insurance 191, Chapter 10; IAC 2/5/25
191—10.11
Temporary licensure — military designee
No examination is required for this applicant pathway.
- Applicant
- Designee of a producer entering active United States armed-forces service.
- Discretion
- Commissioner must find temporary issuance necessary for servicing the insurance business.
- Duration
- Chapter 10 provides 90 days with extensions, never beyond 180 days under 522B.10.
- Protection
- Commissioner may limit authority, require a licensed producer or insurer sponsor, impose protective requirements or revoke; license ends on disposition of the business.
- Scope
- This record covers temporary casualty authority.
Official no-examination sources
Effective from 2026-09-22.
- Iowa Code 2026, Chapter 522B
522B.10(1), enabling clause
- Iowa Code 2026, Chapter 522B
522B.10(1)(c)
- Iowa Administrative Code, Insurance 191, Chapter 10; IAC 2/5/25
191—10.11
Temporary licensure — nonresident processing
No examination is required for this applicant pathway.
- Applicant
- Applicant met 522B.7 requirements, but no nonresident license issued within ten business days after submission of fingerprints and identifying information.
- Discretion
- Commissioner must find temporary issuance necessary for servicing the insurance business.
- Duration
- Chapter 10 provides 90 days with extensions, never beyond 180 days under 522B.10.
- Protection
- Commissioner may limit authority, require a licensed producer or insurer sponsor, impose protective requirements or revoke; license ends on disposition of the business.
- Scope
- This record covers temporary casualty authority.
Official no-examination sources
Effective from 2026-09-22.
- Iowa Code 2026, Chapter 522B
522B.10(1), enabling clause
- Iowa Code 2026, Chapter 522B
522B.10(1)(f)
- Iowa Administrative Code, Insurance 191, Chapter 10; IAC 2/5/25
191—10.11
Temporary licensure — public interest
No examination is required for this applicant pathway.
- Applicant
- Commissioner determines that issuance best serves the public interest.
- Discretion
- Commissioner must find temporary issuance necessary for servicing the insurance business.
- Duration
- Chapter 10 provides 90 days with extensions, never beyond 180 days under 522B.10.
- Protection
- Commissioner may limit authority, require a licensed producer or insurer sponsor, impose protective requirements or revoke; license ends on disposition of the business.
- Scope
- This record covers temporary casualty authority.
Official no-examination sources
Effective from 2026-09-22.
- Iowa Code 2026, Chapter 522B
522B.10(1), enabling clause
- Iowa Code 2026, Chapter 522B
522B.10(1)(d)
- Iowa Administrative Code, Insurance 191, Chapter 10; IAC 2/5/25
191—10.11
Temporary licensure — resident processing
- Applicant
- Applicant met all 522B.5(1) requirements, including required casualty exam, but no resident license issued within ten business days after submission of fingerprints and identifying information.
- Discretion
- Commissioner must find temporary issuance necessary for servicing the insurance business.
- Duration
- Chapter 10 provides 90 days with extensions, never beyond 180 days under 522B.10.
- Protection
- Commissioner may limit authority, require a licensed producer or insurer sponsor, impose protective requirements or revoke; license ends on disposition of the business.
- Scope
- This record covers temporary casualty authority.
Temporary licensure — survivor
No examination is required for this applicant pathway.
- Applicant
- Surviving spouse or court-appointed personal representative of a producer who died or became mentally or physically disabled; allow sale, recovery/return, or training/licensing replacements.
- Discretion
- Commissioner must find temporary issuance necessary for servicing the insurance business.
- Duration
- Chapter 10 provides 90 days with extensions, never beyond 180 days under 522B.10.
- Protection
- Commissioner may limit authority, require a licensed producer or insurer sponsor, impose protective requirements or revoke; license ends on disposition of the business.
- Scope
- This record covers temporary casualty authority.
Official no-examination sources
Effective from 2026-09-22.
- Iowa Code 2026, Chapter 522B
522B.10(1), enabling clause
- Iowa Code 2026, Chapter 522B
522B.10(1)(a)
- Iowa Administrative Code, Insurance 191, Chapter 10; IAC 2/5/25
191—10.11
Vehicle Rental Limited License
Authorizes a rental company to offer or sell insurance with vehicle rentals, including liability coverage for renters and other authorized drivers.
Licensing authority: Iowa Insurance Division · Application information
Vehicle rental company limited license issuance
No examination is required for this applicant pathway.
- Application
- Officer-signed application includes rental locations; pay $50 fee.
- Business
- Qualifying rental company; insurance is incidental to rental agreements of no more than 90 days.
- Conduct
- Observe the coverage disclosures, licensed-insurer limitation, voluntary purchase and employee-compensation restrictions in 522A.3.
- Employee Exams
- The company is responsible for staff training, approved examinations and license fees; those employee exams are not exams of this entity issuance route.
Official no-examination sources
Effective from 2026-09-22.
- Iowa Code 2026, Chapter 522A
522A.3(1)
- Iowa Code 2026, Chapter 522A
522A.3(4)(b)
- Iowa Administrative Code, Insurance 191, Chapter 10; IAC 2/5/25
191—10.51(1)(d)(1)
Vehicle rental company limited license renewal
No examination is required for this applicant pathway.
- Renewal
- Timely company renewal form and fee by December 31 of the renewal year; initial term ends on the third December 31 after issuance.
Official no-examination sources
Effective from 2026-09-22.
- Iowa Code 2026, Chapter 522A
522A.4
- Iowa Administrative Code, Insurance 191, Chapter 10; IAC 2/5/25
191—10.51(1)(g)(3)
Vehicle Rental Counter Employee Limited License
Individual limited rental-insurance authority includes liability coverage and terminates when the qualifying employment ends.
Licensing authority: insurance division · Application information
Vehicle rental counter employee limited license renewal
No examination is required for this applicant pathway.
- Employment
- Continue qualifying employment; the license terminates when employment ends.
- Renewal
- Employer submits timely renewal and the applicable counter-employee fee; renewal requires no examination under 522A.4.
Official no-examination sources
Effective from 2026-09-22.
- Iowa Code 2026, Chapter 522A
522A.4
- Iowa Administrative Code, Insurance 191, Chapter 10; IAC 2/5/25
191—10.51(1)(g)(4)
Casualty
- Provider
- Pearson VUE
- Format
- Multiple choice; one examination with general and Iowa-specific portions
- Exam questions
- 83 scored questions and 10 pretest questions
- Time limit
- 2 hours
- Exam fee
- $44
Examination outline
General knowledge — I. TYPES OF POLICIES, BONDS, AND RELATED TERMS (23 scored questions)
- A. Commercial general liability
- A. Commercial general liability / 1. Exposures
- A. Commercial general liability / 1. Exposures / 1. Premises and Operations
- A. Commercial general liability / 1. Exposures / 2. Products and Completed Operations
- A. Commercial general liability / 2. Coverage
- A. Commercial general liability / 2. Coverage / a. Coverage A: Bodily Injury and Property Damage Liability (Occurrence, Claims made including Retroactive Date)
- A. Commercial general liability / 2. Coverage / 2. Coverage B: Personal Injury and Advertising Injury
- A. Commercial general liability / 2. Coverage / 3. Coverage C: Medical Payments
- A. Commercial general liability / 2. Coverage / 4. Supplemental Payments
- A. Commercial general liability / 2. Coverage / 5. Who is an insured
- A. Commercial general liability / 2. Coverage / 6. First named insured
- A. Commercial general liability / 2. Coverage / 7. Limits (Per occurrence, Annual Aggregate)
- A. Commercial general liability / 2. Coverage / 8. Damage to Property of Others
- B. Automobile: personal auto and business auto
- B. Automobile: personal auto and business auto / 1. Liability
- B. Automobile: personal auto and business auto / 1. Liability / 1. Bodily Injury
- B. Automobile: personal auto and business auto / 1. Liability / 2. Property Damage
- B. Automobile: personal auto and business auto / 1. Liability / 3. Split Limits
- B. Automobile: personal auto and business auto / 1. Liability / 4. Combined Single Limit
- B. Automobile: personal auto and business auto / 2. Medical Payments
- B. Automobile: personal auto and business auto / 3. Physical Damage (collision; other than collision; specified perils)
- B. Automobile: personal auto and business auto / 4. Uninsured motorists
- B. Automobile: personal auto and business auto / 5. Underinsured motorists
- B. Automobile: personal auto and business auto / 6. Who is an insured
- B. Automobile: personal auto and business auto / 7. Types of Auto
- B. Automobile: personal auto and business auto / 7. Types of Auto / 1. Owned
- B. Automobile: personal auto and business auto / 7. Types of Auto / 2. Non-owned
- B. Automobile: personal auto and business auto / 7. Types of Auto / 3. Hired
- B. Automobile: personal auto and business auto / 7. Types of Auto / 4. Temporary Substitute
- B. Automobile: personal auto and business auto / 7. Types of Auto / 5. Newly Acquired Autos
- B. Automobile: personal auto and business auto / 7. Types of Auto / 6. Transportation Expense and Rental Reimbursement Expense
- B. Automobile: personal auto and business auto / 8. Auto Dealers Coverage Form, including Garagekeepers Insurance
- B. Automobile: personal auto and business auto / 9. Exclusions
- B. Automobile: personal auto and business auto / 10. Individual Insured and Drive Other Car (DOC)
- B. Automobile: personal auto and business auto / 11. Mobile equipment
- C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.)
- C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.) / 1. Standard policy concepts
- C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.) / 1. Standard policy concepts / 1. Who is an employee/employer
- C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.) / 1. Standard policy concepts / 2. Compensation
- C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.) / 2. Work-related vs. non-work-related
- C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.) / 3. Other states’ insurance
- C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.) / 4. Employers Liability
- C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.) / 5. Exclusive remedy
- C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.) / 6. Premium Determination
- D. Crime
- D. Crime / 1. Employee Dishonesty
- D. Crime / 2. Theft
- D. Crime / 3. Robbery
- D. Crime / 4. Burglary
- D. Crime / 5. Forgery and Alteration
- D. Crime / 6. Mysterious disappearance
- E. Bonds
- E. Bonds / 1. Surety
- E. Bonds / 2. Fidelity
- F. Professional liability
- F. Professional liability / 1. Errors and Omissions
- F. Professional liability / 2. Medical Malpractice
- F. Professional liability / 3. Directors and Officers (D&O)
- F. Professional liability / 4. Employment Practices Liability (EPLI)
- F. Professional liability / 5. Cyber liability and data breach, funds transfer
- F. Professional liability / 6. Liquor liability
- G. Umbrella/Excess Liability
- H. Businessowners Policy (BOP)
General knowledge — II. INSURANCE TERMS AND RELATED CONCEPTS (15 scored questions)
- A. Risk
- B. Hazards
- B. Hazards / 1. Moral
- B. Hazards / 2. Morale
- B. Hazards / 3. Physical
- C. Indemnity
- D. Insurable interest
- E. Loss valuation
- E. Loss valuation / 1. Actual cash value
- E. Loss valuation / 2. Replacement cost
- E. Loss valuation / 3. Market value
- E. Loss valuation / 4. Stated/agreed value
- E. Loss valuation / 5. Salvage value
- F. Negligence
- G. Liability
- H. Occurrence
- I. Binders
- J. Warranties
- K. Representations
- L. Concealment
- M. Deposit Premium/Audit
- N. Certificate of Insurance
- O. Law of Large Numbers
- P. Pure vs. Speculative Risk
- Q. Endorsements
- R. Damages
- R. Damages / 1. Compensatory
- R. Damages / 1. Compensatory / 1. General
- R. Damages / 1. Compensatory / 2. Special
- R. Damages / 2. Punitive
- S. Compliance with provisions of Fair Credit Reporting Act
General knowledge — III. POLICY PROVISIONS (12 scored questions)
- A. Declarations
- B. Insuring agreement
- C. Conditions
- D. Exclusions and Limitations
- E. Definition of the insured
- F. Duties of the insured after a loss
- G. Cancellation and nonrenewal provisions
- H. Supplementary payments
- I. Proof of loss
- J. Notice of claim
- K. Other insurance
- L. Subrogation
- M. Loss settlement provisions including consent to settle a loss
- N. Terrorism Risk Insurance Act (TRIA)
Iowa specific — I. IOWA LAWS, RULES, AND REGULATIONS COMMON TO ALL LINES (25 scored questions)
- A. Insurance Commissioner/Division
- A. Insurance Commissioner/Division / 1. Broad powers and duties
- A. Insurance Commissioner/Division / 2. Examination of records
- A. Insurance Commissioner/Division / 3. Hearings
- A. Insurance Commissioner/Division / 4. Penalties
- A. Insurance Commissioner/Division / 5. Cease and desist
- B. Licensing
- B. Licensing / 1. Applications
- B. Licensing / 2. Change of address
- B. Licensing / 3. Licensing examinations
- B. Licensing / 4. Resident/nonresident
- B. Licensing / 5. Temporary license
- B. Licensing / 6. Exemptions
- B. Licensing / 7. Denial, renewal, termination of licenses
- B. Licensing / 8. Commissions and referral fees
- B. Licensing / 9. Company appointments
- B. Licensing / 10. Continuing education
- C. Unfair and Deceptive Practices
- C. Unfair and Deceptive Practices / 1. Unfair discrimination
- C. Unfair and Deceptive Practices / 2. Misrepresentation
- C. Unfair and Deceptive Practices / 3. Rebating
- C. Unfair and Deceptive Practices / 4. False information and advertising
- C. Unfair and Deceptive Practices / 5. Claims settlement
- C. Unfair and Deceptive Practices / 6. Defamation
- C. Unfair and Deceptive Practices / 7. Boycott, coercion and intimidation
- D. Iowa Insurance Fraud Act
- E. Producer Responsibilities
- E. Producer Responsibilities / 1. Prohibited Acts
- E. Producer Responsibilities / 2. Use of credit information**
- E. Producer Responsibilities / 2. Use of credit information** / a. Notification
- E. Producer Responsibilities / 2. Use of credit information** / b. Adverse action
- F. Guaranty Association
- G. Definitions
- G. Definitions / 1. Domestic, foreign, alien
- G. Definitions / 3. Certificate of Authority
- H. Surplus**
- I. Insurance Notices and Documents - Electronic Delivery
Iowa specific — II. IOWA LAWS, RULES, AND REGULATIONS PERTINENT TO CASUALTY INSURANCE (8 scored questions)
- A. Iowa Automobile Insurance Plan (Assigned Risk)
- B. Private-passenger automobile insurance
- B. Private-passenger automobile insurance / 1. Uninsured/Underinsured motorists coverage
- B. Private-passenger automobile insurance / 1. Uninsured/Underinsured motorists coverage / 1. Rejection by the insured
- B. Private-passenger automobile insurance / 2. Proof of financial responsibility
- B. Private-passenger automobile insurance / 3. Cancellation and nonrenewal
- C. Transportation Network Companies (ride-sharing services)
- D. Workers’ Compensation
- D. Workers’ Compensation / 1. Definitions
- D. Workers’ Compensation / 2. Covered employment
- D. Workers’ Compensation / 3. Benefits provided
- D. Workers’ Compensation / 4. Covered injuries
- D. Workers’ Compensation / 5. Occupational disease
- E. Rate standards
Examination sources
- Iowa Insurance Candidate Handbook; supplement effective January 1, 2026
S6–S8, general content outline heading
- Iowa Insurance Candidate Handbook; supplement effective January 1, 2026
S6–S8, Iowa-specific content outline heading
- Iowa Insurance Candidate Handbook; supplement effective January 1, 2026
Supplement footer, S6–S8, effective date
- Iowa Insurance Candidate Handbook; supplement effective January 1, 2026
S6–S8, applicability footnote
- Iowa Insurance Candidate Handbook; supplement effective January 1, 2026
Page 9, About the Exam, format
- Iowa Insurance Candidate Handbook; supplement effective January 1, 2026
Page 9, About the Exam, scoring
- Iowa Insurance Candidate Handbook; supplement effective January 1, 2026
Page 5, Available Exams and Fees, 12-IA-04
- Iowa Insurance Candidate Handbook; supplement effective January 1, 2026
Page 10, Score Reporting