- Property has 85 questions (75 scored) and Casualty has 91 (81 scored); both allow two hours.
- One $41 fee covers up to two exams scheduled in the same Pearson VUE session.
- Types of Policies carries the heaviest weight in both exams: 29.3% (Property) and 28.4% (Casualty).
- Course completions and passing scores stay valid for only one year - don't let them lapse.
Exam Snapshot: The Numbers You Must Know
Before you memorize a single domain topic, lock in the mechanics of the Colorado Property & Casualty Insurance Producer Exam. The Colorado Division of Insurance sets the rules, but Pearson VUE administers the actual test at physical test centers. Here's the entire exam structure in one table - bookmark this for exam week.
| Detail | Property Exam | Casualty Exam |
|---|---|---|
| Total Questions | 85 | 91 |
| Scored Questions | 75 | 81 |
| Pretest (unscored) Questions | 10 | 10 |
| Time Allowed | 2 hours | 2 hours |
| Number of Domains | 6 (Domains 1-6) | 6 (Domains 7-12) |
Both exams share one important logistical detail: candidates may schedule up to two examinations in a single test-center session for a single $41 fee. That means most candidates sit for Property and Casualty back-to-back on the same day rather than paying and scheduling twice. For a full cost walkthrough - including prelicensing course fees - see the CO-PC Certification Cost 2026: Complete Pricing Breakdown.
Full Domain Breakdown (All 12 Domains)
The content outline splits cleanly: Domains 1-6 belong to the Property exam, and Domains 7-12 belong to the Casualty exam. Percentages are calculated independently within each exam based on the official scored-item counts - not shared across both tests. Policy types dominate both outlines, which tells you exactly where to spend your heaviest study hours.
| Domain | Title | Weight |
|---|---|---|
| 1 | Types of Policies | 29.3% |
| 2 | Insurance Terms and Related Concepts | 20.0% |
| 3 | Policy Provisions and Contract Law | 17.3% |
| 4 | CO Statutes/Rules Common to Life, Sickness & Accident, Property, Casualty | 25.3% |
| 5 | CO Statutes/Rules Common to Property and Casualty Only | 5.3% |
| 6 | CO Statutes/Rules Pertinent to Property Only | 2.7% |
| 7 | Types of Policies, Bonds, and Related Terms | 28.4% |
| 8 | Insurance Terms and Related Concepts | 18.5% |
| 9 | Policy Provisions | 14.8% |
| 10 | CO Statutes/Rules Common to Life, Sickness & Accident, Property, Casualty | 23.5% |
| 11 | CO Statutes/Rules Common to Property and Casualty Only | 4.9% |
| 12 | CO Statutes/Rules Pertinent to Casualty Only | 9.9% |
Notice the pattern: in both exams, the top two domains (Types of Policies plus the shared statutes/rules domain) account for more than half of all scored questions. If you only had time to review two topics before test day, those would be it. For a deeper walkthrough of every domain's subtopics, read the CO-PC Exam Domains 2026: Complete Guide to All 12 Content Areas.
Property Domains 1-6 Cheat Sheet
These six domains make up the Property exam. Since Domain 1 alone is nearly a third of your score, prioritize policy-type recall (dwelling forms, homeowners forms, commercial property forms, endorsements) before drilling narrower rules.
Domain 1: Types of Policies (29.3%)
Candidates must distinguish between homeowners policy forms, dwelling policies, and commercial property coverage forms, along with their standard endorsements.
- Know which perils each form covers (named-peril vs. open-peril)
- Understand how endorsements modify a base policy
Domain 2: Insurance Terms and Related Concepts (20.0%)
Core vocabulary - indemnity, insurable interest, replacement cost vs. actual cash value, coinsurance - appears throughout Property scenario questions.
- Be able to calculate coinsurance penalty scenarios
- Distinguish valuation methods on a claim
Domain 3: Policy Provisions and Contract Law (17.3%)
This covers the legal skeleton of a property contract: conditions, exclusions, cancellation/nonrenewal provisions, and the elements of a valid contract.
- Memorize standard policy conditions (loss payment, subrogation, other insurance)
Domains 4-6: Colorado Statutes, Rules, and Regulations (25.3% / 5.3% / 2.7%)
Domain 4 is shared across every producer line (life, sickness & accident, property, casualty) and is nearly as heavily weighted as Domain 1. Domains 5 and 6 narrow down to property-and-casualty-specific and property-only regulatory content, respectively.
- Focus on licensing rules, unfair trade practices, and producer duties in Domain 4
- Domain 6's small weight still requires familiarity with property-specific state rules
Casualty Domains 7-12 Cheat Sheet
The Casualty exam mirrors the Property exam's structure but swaps in liability, auto, and bond-related content. Domain 7's weight (28.4%) is almost identical to Domain 1's, reinforcing that policy-type knowledge is the single biggest lever across both exams.
Domain 7: Types of Policies, Bonds, and Related Terms (28.4%)
Covers personal auto, commercial general liability, workers' compensation, and surety bonds - know the purpose and structure of each.
- Differentiate bond types (fidelity, surety, license) from liability policies
Domain 8: Insurance Terms and Related Concepts (18.5%)
Liability-specific vocabulary - negligence, vicarious liability, strict liability, tort - is tested heavily here.
Domain 9: Policy Provisions (14.8%)
Focuses on casualty-specific conditions and provisions, such as supplementary payments and duties after a loss.
Domains 10-12: Colorado Statutes, Rules, and Regulations (23.5% / 4.9% / 9.9%)
Domain 10 is the same shared statutes domain tested on the Property side, so overlap in study time is possible. Domain 12's 9.9% weight is notably higher than Property's equivalent Domain 6, meaning casualty-only state rules deserve more dedicated review time than their property counterpart.
Key Takeaway
Because Domains 4 and 10 test nearly identical shared statute content, reviewing Colorado producer conduct rules once effectively covers both exams - don't study it twice from scratch.
Registration, Fees, and Validity Windows
Resident applicants in Colorado must complete approved prelicensing training before sitting for the exam, unless they qualify for an exemption. Once you've finished your training and passed the exam, both the course completion and the passing score remain valid for only one year - miss that window and you may need to repeat steps. For the full eligibility picture, see CO-PC Requirements 2026: Eligibility, Prerequisites & How to Qualify.
Spanish-language versions of the exam are available, and candidates using them can switch between Spanish and English during the test - useful if certain technical terms are clearer in one language. This flexibility applies to both the Property and Casualty exams equally.
Exam-Day Format and Question Mechanics
Every question on both exams is scenario-based multiple choice, drawn from the domains above. Because 10 of the 85 Property questions and 10 of the 91 Casualty questions are unscored pretest items, there's no way to identify which ones don't count - pace yourself as if all questions matter equally.
- Two-hour time limit per exam - roughly 1.4 minutes per question on Property and 1.3 minutes per question on Casualty
- No penalty distinction between scored and pretest items during the test - treat all identically
- Content reflects the outline effective January 1, 2024, so any study material referencing an older outline may be misaligned
If you're unsure how demanding this format actually feels compared to other licensing exams, the How Hard Is the CO-PC Exam? Complete Difficulty Guide 2026 breaks down the difficulty factors domain by domain. You can also review CO-PC Passing Score 2026: Exactly What You Need to Pass for the scoring mechanics you'll be working against.
Last-Two-Weeks Review Schedule
Generic study frameworks don't map well onto a two-exam, twelve-domain licensing test - so instead of a broad multi-month plan, use this compressed final review built around domain weight. Heavier domains get more days; light domains (5, 6, 11) get a single pass.
Property Heavy Hitters
- Drill Domain 1 (Types of Policies) with form-comparison flashcards
- Review Domain 4's shared statutes - this content repeats on the Casualty side
Property Wrap-Up
- Cover Domains 2 and 3 (terms, provisions, contract law)
- Quick single-pass review of Domains 5 and 6
Casualty Heavy Hitters
- Drill Domain 7 (policies, bonds, terms) the same way you drilled Domain 1
- Cross-reference Domain 10 against your Domain 4 notes - most content overlaps
Casualty Wrap-Up + Full Review
- Cover Domains 8, 9, and 12 (note Domain 12's higher weight vs. Property's Domain 6)
- Take a full-length timed practice run for each exam
For a complete step-by-step preparation strategy beyond this final review window, the CO-PC Study Guide 2026: How to Pass on Your First Attempt covers course selection, practice testing, and pacing from day one. You can also stress-test your recall with timed sets on the main practice test platform before committing to a real exam date.
Post-Licensing CE Requirements
Passing the exam isn't the finish line. Resident producers must complete 24 continuing-education hours every two years to keep the license active. Three of those hours must be ethics-focused, and if you hold Property authority, three additional hours must be homeowners-specific credits.
Understanding what the license actually leads to matters too - many candidates are studying because a specific agency or carrier is hiring for producer roles. If you're weighing the career payoff, CO-PC Salary Guide 2026: Complete Earnings Analysis and Is the CO-PC Certification Worth It? Complete ROI Analysis 2026 both dig into that question, and CO-PC Jobs outlines the kinds of roles this license opens up.
Frequently Asked Questions
Property has 85 total questions (75 scored, 10 pretest). Casualty has 91 total questions (81 scored, 10 pretest). Both allow two hours to complete.
Yes. Candidates may schedule up to two examinations in a single test-center session, and both are covered by one $41 fee.
Types of Policies is the top domain in both exams (29.3% Property, 28.4% Casualty), followed closely by the shared Colorado statutes domain (25.3% and 23.5% respectively). These two domains alone cover more than half the scored content on each exam.
Both course completions and passing exam scores remain valid for one year, so plan your licensing timeline to avoid letting either expire.
Yes, and candidates using the Spanish version are permitted to switch between Spanish and English during the exam session.
Keep this cheat sheet open during your final review sessions, and pair it with focused practice sets on the practice test platform to confirm you can apply - not just recognize - each domain's core concepts before exam day.