- The OR-PC exam has 150 scored questions plus up to 10 unscored items, 160 minutes, 70% to pass.
- Property and Casualty Basics (14%) and Commercial General Liability (13%) are the two heaviest domains.
- Prelicensing requires 20 hours per line or 40 hours combined; the certificate stays valid one year.
- The exam fee is $55; add a $75 license application plus fingerprinting for initial licensure.
Exam Snapshot: The Numbers That Matter
If you only have five minutes before your appointment, these are the numbers to lock into memory for the Oregon Property and Casualty Insurance Producer Exam (Series 12-04). The Oregon Division of Financial Regulation sets the licensing rules, and PSI Services LLC administers the actual test - a distinction that matters when you're troubleshooting scheduling or score-report questions.
| Detail | Fact |
|---|---|
| Scored questions | 150 multiple-choice |
| Unscored (experimental) items | 5 to 10, mixed in unlabeled |
| Time allowed | 160 minutes |
| Passing score | 70% |
| Exam fee | $55 |
| Format | Closed-book, computer-based |
| Delivery options | Test center or remote-proctored |
Because a handful of questions on your screen are unscored pilot items, don't panic if one question feels unusually oddly worded or out of scope - treat every item the same way and keep moving. For a deeper breakdown of how the passing threshold is calculated, see OR-PC Passing Score 2026: Exactly What You Need to Pass.
Registration & Licensing Mechanics
The OR-PC exam doesn't exist in isolation - it's one piece of a licensing sequence set by the Oregon Division of Financial Regulation. Before you even think about domain content, confirm you meet the mechanical requirements:
- Age: Resident candidates generally must be at least 18.
- Prelicensing education: 20 hours of approved coursework per line (property or casualty), or 40 hours if you're licensing both together.
- Certificate validity: Your prelicensing completion certificate is valid for one year, so don't complete the coursework too far ahead of your test date.
- CPCU waiver: Holding a CPCU designation can qualify you for a prelicensing education waiver.
- Fingerprints and application: Initial applicants must complete fingerprinting and submit a $75 license application separate from the $55 exam fee.
These mechanics are easy to overlook when you're focused purely on content, but a missed fingerprint appointment or expired certificate can delay licensure even after you pass. A full walkthrough of every eligibility rule lives at OR-PC Requirements 2026: Eligibility, Prerequisites & How to Qualify, and a complete cost breakdown covering the exam fee, application fee, and prelicensing costs is at OR-PC Certification Cost 2026: Complete Pricing Breakdown.
Key Takeaway
Schedule your PSI exam appointment within the one-year window of your prelicensing certificate, and set aside $130 total ($55 exam + $75 application) plus fingerprinting logistics before test day.
Domain-by-Domain Cheat Sheet
The OR-PC exam blueprint spans 13 domains with very uneven weighting. Memorize this table before you memorize anything else - it tells you exactly where your study hours should go.
| Domain | Weight |
|---|---|
| Property and Casualty Basics | 14% |
| Commercial General Liability | 13% |
| Insurance Regulation | 11% |
| General Insurance Concepts | 11% |
| Homeowners Policy Concepts | 9% |
| Personal Automobile Policy | 9% |
| Commercial Package Policy (CPP) | 7% |
| Dwelling Policy | 6% |
| Businessowners Policy | 5% |
| Workers Compensation Law | 5% |
| Other P&C Insurance Types | 5% |
| Commercial Automobile Policy | 3% |
| Federal Laws and Regulations | 2% |
Notice that the top four domains - Property and Casualty Basics, Commercial General Liability, Insurance Regulation, and General Insurance Concepts - together account for roughly half the entire exam. If your review time is limited, these are non-negotiable. For an in-depth walkthrough of each content area with sample question angles, read OR-PC Exam Domains 2026: Complete Guide to All 13 Content Areas.
High-Yield Topics Inside Each Domain
Property and Casualty Basics (14%)
This is the largest domain and the conceptual foundation for everything else on the exam.
- Insurable interest, indemnity, and the difference between named-peril and open-peril policies
- Policy structure: declarations, insuring agreement, conditions, exclusions, endorsements
- Underwriting basics and how risk classification drives premium
Commercial General Liability (13%)
The second-heaviest domain, testing your grasp of business liability exposures and how CGL forms respond.
- Coverage A (bodily injury/property damage), Coverage B (personal and advertising injury), Coverage C (medical payments)
- Occurrence vs. claims-made triggers
- Products-completed operations exposure and common exclusions
Insurance Regulation (11%)
Oregon-specific rules governing producers, insurers, and market conduct.
- Licensing categories, appointments, and grounds for license denial or revocation
- Unfair trade practices and claims-handling standards
- Producer duties around disclosure and misrepresentation
General Insurance Concepts (11%)
Cross-cutting principles that show up embedded inside scenario questions across the whole test.
- Risk management techniques: avoidance, retention, transfer, reduction
- Policy provisions common to most P&C contracts (cancellation, nonrenewal, subrogation)
- Loss valuation methods (ACV vs. replacement cost)
Homeowners Policy Concepts & Personal Automobile Policy (9% each)
These two personal-lines domains together carry nearly a fifth of the exam.
- HO policy forms, coverage parts A through F, and standard exclusions
- PAP liability, medical payments, uninsured motorist, and physical damage coverages
- Common endorsements candidates confuse (e.g., scheduled personal property vs. inflation guard)
The remaining domains - Dwelling Policy, Commercial Package Policy, Businessowners Policy, Workers Compensation Law, Commercial Automobile Policy, Other Types of P&C Insurance, and Federal Laws and Regulations - carry smaller weights individually but still appear on nearly every exam form. Skipping them entirely is a common mistake; underestimating any single domain is one of the reasons candidates find the test tougher than expected. See How Hard Is the OR-PC Exam? Complete Difficulty Guide 2026 for a realistic difficulty assessment.
Exam-Day Rules You Cannot Break
PSI Services LLC enforces strict test-day protocols whether you sit at a physical test center or test remotely under proctoring.
- No calculators. Any math on the OR-PC exam must be done manually.
- No reference materials. This is a fully closed-book exam - no notes, manuals, or outside resources.
- Arrive with ID ready. Test-center and remote-proctored appointments both require identity verification before you can begin.
- Expect a few unscored items. Up to 10 extra experimental questions may appear indistinguishable from scored ones - answer everything as if it counts.
- Budget your 160 minutes. With 150 scored questions, a consistent pace matters more than lingering on any single item.
Choosing between a test center and remote proctoring is a personal-preference decision, but either way you should rehearse the same closed-book conditions at home during practice sessions - no phone, no reference sheet, no calculator.
Final-Week Review Plan
Rather than a generic multi-month calendar, use the exam's own weighting to structure your last stretch of review. This condensed plan assumes you've already completed prelicensing education and full-length practice tests, and now need a tight, domain-weighted final pass.
Attack the Big Four
- Drill Property and Casualty Basics and Commercial General Liability - together nearly 30% of the exam
- Review Insurance Regulation rules specific to Oregon producer conduct
- Rework General Insurance Concepts flashcards on risk management and loss valuation
Personal Lines Sweep
- Homeowners Policy Concepts: coverage parts and exclusions
- Personal Automobile Policy: liability, UM/UIM, physical damage
- Dwelling Policy differences from standard homeowners forms
Commercial & Specialty Lines
- Commercial Package Policy structure and monoline vs. package logic
- Businessowners Policy eligibility and built-in coverages
- Workers Compensation Law, Commercial Automobile Policy, and Other Types of P&C Insurance
Simulate & Reset
- Take one full timed practice run at ../ to rehearse the 160-minute pace
- Skim Federal Laws and Regulations (only 2%, but a free point category)
- Rest - don't cram new material the night before
For a broader, week-by-week roadmap that starts earlier in your prep cycle, see OR-PC Study Guide 2026: How to Pass on Your First Attempt. And if you're still deciding when to schedule your appointment relative to your prelicensing certificate expiration, check OR-PC Exam Dates 2026: Testing Windows, Deadlines & Scheduling.
Renewal & Continuing Education Facts
Passing the exam is the milestone everyone focuses on, but licensure doesn't end there. Oregon P&C producer licenses renew every two years, and renewal requires 24 continuing-education hours, including:
- 3 hours specifically in ethics
- 3 hours specifically in Oregon statutes and administrative rules
- The remaining hours can cover general P&C topics
Keeping this renewal cycle in mind early helps you plan your career, not just your exam date. If you're weighing whether the license is worth the ongoing CE commitment, Is the OR-PC Certification Worth It? Complete ROI Analysis 2026 lays out the trade-offs, and OR-PC Salary Guide 2026: Complete Earnings Analysis covers earning potential once you're licensed. For a look at who actually hires licensed P&C producers in Oregon, see OR-PC Jobs.
Key Takeaway
Renewal isn't automatic - 24 CE hours every two years, with mandatory ethics and Oregon-specific statute training baked in, so build CE tracking into your calendar from day one of licensure.
FAQ
There are 150 scored multiple-choice questions. PSI may also insert 5 to 10 unscored experimental items that look identical to scored questions, so answer every question carefully.
You need 70% on the scored portion. See OR-PC Passing Score 2026: Exactly What You Need to Pass for more detail on how that threshold applies.
No. The OR-PC exam is fully closed-book - calculators and reference materials are prohibited whether you test at a center or remotely.
Focus first on Property and Casualty Basics (14%) and Commercial General Liability (13%), followed by Insurance Regulation and General Insurance Concepts (11% each) - together these cover roughly half the exam.
Yes - holding a CPCU designation can qualify you for a waiver of the prelicensing education requirement, though you'll still need to pass the exam and complete the license application.
Keep this page bookmarked as your final-review anchor, and pair it with timed practice sessions at the OR-PC practice test platform so the domain weights above translate into real exam-day speed and accuracy.