- The OR-PC exam covers 13 domains, with Property and Casualty Basics weighted heaviest at 14%.
- Commercial General Liability follows closely at 13%, making these two domains nearly a quarter of the exam.
- 150 scored questions plus up to 10 unscored items must be answered in 160 minutes with no calculator or reference materials.
- A 70% score is required, and PSI Services LLC administers the closed-book computer exam on behalf of the Oregon Division of Financial Regulation.
Exam Format Snapshot
Before diving into content areas, it helps to understand the container those content areas live in. The Oregon Property and Casualty Insurance Producer Exam - officially the Property and Casualty (Includes Law) Series 12-04 - is a $55 closed-book computer exam built from 150 scored multiple-choice questions. PSI may quietly insert 5 to 10 additional unscored experimental items that look identical to real questions, so there's no way to tell which ones count. Candidates get 160 minutes and need a 70% score to pass.
You can sit for the exam at a physical test center or through remote proctoring, but either way, calculators and outside reference materials are prohibited. Every domain question must be answered from memorized knowledge alone. For a full breakdown of what "passing" actually requires numerically, see OR-PC Passing Score 2026: Exactly What You Need to Pass, and for scheduling logistics, check OR-PC Exam Dates 2026: Testing Windows, Deadlines & Scheduling.
All 13 Domains and Their Weights
Here is the complete content outline as tested on the OR-PC exam. Percentages represent the approximate share of the 150 scored questions drawn from each domain.
| Domain | Weight |
|---|---|
| 1. Insurance Regulation | 11% |
| 2. Federal Laws and Regulations | 2% |
| 3. General Insurance Concepts | 11% |
| 4. Property and Casualty Basics | 14% |
| 5. Dwelling Policy | 6% |
| 6. Homeowners Policy Concepts | 9% |
| 7. Personal Automobile Policy | 9% |
| 8. Commercial Automobile Policy | 3% |
| 9. Commercial General Liability | 13% |
| 10. Commercial Package Policy (CPP) | 7% |
| 11. Businessowners Policy | 5% |
| 12. Workers Compensation Law | 5% |
| 13. Other Types of P&C Insurance | 5% |
Notice that the top four domains - Property and Casualty Basics, Commercial General Liability, Insurance Regulation, and General Insurance Concepts - together make up roughly half of the entire exam. That's the core of any efficient study plan, a point we expand on in the OR-PC Study Guide 2026: How to Pass on Your First Attempt.
The Four Heavyweight Domains
Domain 4: Property and Casualty Basics (14%)
The largest single domain on the exam. It covers the foundational vocabulary and mechanics that every other domain builds on - this is not a section to skim.
- Elements of an insurance contract: offer, acceptance, consideration, and legal capacity
- Policy provisions such as endorsements, riders, and conditions
- Underwriting basics, risk classification, and rating factors
- Loss valuation methods, including actual cash value versus replacement cost
Domain 9: Commercial General Liability (13%)
Second-largest domain and the one most candidates underestimate coming from a personal-lines background.
- Coverage A (bodily injury/property damage), Coverage B (personal and advertising injury), Coverage C (medical payments)
- Occurrence versus claims-made trigger differences
- Products-completed operations hazard and its exclusions
- Additional insured endorsements and how they interact with primary policies
Domain 1: Insurance Regulation (11%)
Oregon-specific rules governing how producers, insurers, and policies must operate within the state.
- The Oregon Division of Financial Regulation's licensing authority and enforcement powers
- Producer duties, unfair claims practices, and rebating prohibitions
- Policy cancellation, nonrenewal, and grace period rules
- Market conduct and consumer protection standards
Domain 3: General Insurance Concepts (11%)
The theory layer underneath specific policy types - risk management and contract law principles that recur across every product line.
- Risk management techniques: avoidance, retention, transfer, reduction
- Principle of indemnity and insurable interest
- Concepts like subrogation, contribution, and utmost good faith
- Named-perils versus open-perils (all-risk) policy structures
Key Takeaway
Master Domains 4, 9, 1, and 3 first - together they represent nearly half the scored questions, and their concepts reappear inside every other domain on the exam.
The Policy-Specific Domains
After the four heavyweights, the exam shifts into named-policy territory: dwelling, homeowners, auto, package policies, and business owners forms. These domains test whether you can apply the general concepts above to a real coverage form.
Domain 6: Homeowners Policy Concepts (9%)
Covers HO forms broadly - perils insured against, exclusions, and the difference between coverage forms rather than memorizing full policy text.
- HO-2, HO-3, HO-5, and HO-6 distinctions
- Coverage A through F structure and limits
- Personal liability and medical payments to others
Domain 7: Personal Automobile Policy (9%)
Standard PAP structure, plus Oregon-specific auto requirements.
- Liability, medical, uninsured/underinsured motorist, and physical damage coverages
- Who qualifies as an insured under the policy
- Exclusions for business use and named non-owner scenarios
Domain 5: Dwelling Policy (6%) & Domain 10: Commercial Package Policy (7%)
Dwelling policies serve non-owner-occupied and secondary residences; commercial package policies bundle multiple commercial lines under one contract.
- DP-1, DP-2, DP-3 form differences
- How a CPP combines property, general liability, and other coverage parts
Domain 11: Businessowners Policy (5%) & Domain 8: Commercial Automobile Policy (3%)
Smaller domains, but still worth deliberate review passes since a handful of missed questions here can matter at the margin.
- BOP eligibility and bundled coverage structure for small businesses
- Commercial auto symbols and owned/hired/non-owned vehicle coverage
Regulation, Law, and Compensation Domains
The remaining domains round out the exam with law, federal rules, and specialty coverage types.
Domain 12: Workers Compensation Law (5%)
Focuses on the employer-employee relationship under Oregon workers compensation statutes.
- Coverage A (statutory benefits) versus Coverage B (employers liability)
- Exclusive remedy doctrine and covered injury types
Domain 13: Other Types of Property and Casualty Insurance (5%)
A catch-all domain covering specialty lines outside the standard personal and commercial forms already listed.
- General purpose and characteristics of umbrella and excess liability
- Inland marine, farm, and other niche P&C products at a conceptual level
Domain 2: Federal Laws and Regulations (2%)
The smallest domain by weight, but federal rules still show up and are easy to lock in quickly since the list of testable topics is short.
- Fair Credit Reporting Act implications for underwriting
- Federal flood insurance program basics
If you're weighing how these regulatory-heavy sections affect overall difficulty, How Hard Is the OR-PC Exam? Complete Difficulty Guide 2026 breaks down where most candidates lose points.
Mapping a Study Schedule to Domain Weight
Rather than studying domains in the order they're listed, sequence your review by weight and complexity. This is the one place a generic study framework is useful - but only because it maps directly onto the OR-PC weighting above.
Foundation Domains
- Property and Casualty Basics (14%)
- General Insurance Concepts (11%)
Regulation and Liability
- Insurance Regulation (11%)
- Commercial General Liability (13%)
Personal Lines Policies
- Homeowners Policy Concepts (9%)
- Personal Automobile Policy (9%)
- Dwelling Policy (6%)
Commercial Lines and Remainder
- Commercial Package Policy (7%)
- Businessowners Policy (5%)
- Workers Compensation Law (5%)
- Other Types of P&C (5%)
- Commercial Automobile Policy (3%)
- Federal Laws and Regulations (2%)
Run through full-length timed practice sets throughout, not just at the end. Since the real exam gives you 160 minutes for 150 scored questions (plus possible unscored items), practicing under that same pace on our OR-PC practice test platform builds the pacing instinct you'll need on test day. For a condensed reference you can review the night before, bookmark the OR-PC Cheat Sheet 2026: One-Page Review of Must-Know Facts.
Registration and Fee Mechanics
Domain knowledge only matters if you're actually eligible to sit for the exam. Oregon resident candidates generally must be at least 18 years old and complete 20 hours of approved prelicensing education per line - or 40 hours if pursuing both property and casualty lines together. That prelicensing certificate is valid for one year, and holders of the CPCU designation can qualify for a waiver of the education requirement.
Once eligible, applicants complete fingerprinting and submit a $75 license application to the Oregon Division of Financial Regulation, separate from the $55 exam fee paid to PSI Services LLC. After licensing, renewal happens every two years and requires 24 continuing-education hours, including 3 hours of ethics and 3 hours specifically on Oregon statutes and administrative rules - which ties directly back to Domain 1's regulatory content.
For the complete cost picture across prelicensing, application, and exam fees, see OR-PC Certification Cost 2026: Complete Pricing Breakdown, and for the full eligibility checklist, review OR-PC Requirements 2026: Eligibility, Prerequisites & How to Qualify.
Who Hires OR-PC Licensees
An active Oregon Property and Casualty Insurance Producer license is the entry credential for selling home, auto, commercial liability, and package policies through independent agencies, captive carrier offices, and brokerage firms operating in Oregon. Because the exam blends personal lines (Homeowners, Personal Auto, Dwelling) with commercial lines (Commercial General Liability, CPP, BOP, Workers Compensation), license holders are qualified to work across both retail personal-lines desks and commercial-lines producer roles without needing a second exam.
If you're evaluating career paths before committing to prelicensing hours, OR-PC Jobs outlines the types of roles that typically require this license, and OR-PC Salary Guide 2026: Complete Earnings Analysis and Is the OR-PC Certification Worth It? Complete ROI Analysis 2026 can help you weigh the investment against expected outcomes.
Frequently Asked Questions
Property and Casualty Basics is the largest domain at 14% of the 150 scored questions, followed by Commercial General Liability at 13%.
The exam is organized into 13 content domains, ranging from Federal Laws and Regulations at 2% up to Property and Casualty Basics at 14%.
No. Even though Federal Laws and Regulations is only 2% and Commercial Automobile Policy is only 3%, questions from every domain appear, and skipping them risks missing easy points on a short topic list.
No. The OR-PC exam is fully closed-book, and calculators and outside reference materials are prohibited at both test centers and remote-proctored sessions.
No. Both delivery methods use the same 150 scored questions across the same 13 domains, the same 160-minute time limit, and the same 70% passing requirement administered by PSI Services LLC.