- OR-PC stands for the Oregon Property & Casualty Insurance Producer Exam, licensed through the Oregon Division of Financial Regulation.
- PSI Services LLC administers the 150-question, 160-minute exam, and candidates need a 70% score to pass.
- Property and Casualty Basics (14%) and Commercial General Liability (13%) are the two heaviest-weighted domains.
- Prelicensing education runs 20 hours per line or 40 hours combined, plus fingerprints and a $75 application.
What OR-PC Stands For
OR-PC stands for the Oregon Property & Casualty Insurance Producer Exam, officially cataloged by exam administrators as Series 12-04. It is the state licensing test that anyone who wants to sell, solicit, or negotiate property and casualty insurance in Oregon must pass before applying for a producer license. The name is straightforward once you break it down: "OR" identifies the state jurisdiction (Oregon), and "PC" identifies the license line (Property and Casualty), which covers homeowners, dwelling, personal auto, commercial auto, general liability, and several other coverage types bundled under one exam.
This is worth stating plainly because the same three letters appear attached to other credentials in unrelated fields. On this site and throughout our OR-PC Certification resources, OR-PC refers exclusively to the Oregon insurance producer exam described above. If you landed here searching for a different "OR-PC," you're in the wrong place - this article, and every article on orpcexam.com, is scoped to the Oregon Property and Casualty Insurance Producer Exam and nothing else.
Who Oversees the Exam and Why the Name Matters
The Oregon Division of Financial Regulation (DFR) is the state agency that governs insurance producer licensing in Oregon. DFR sets the rules for who must test, what education is required beforehand, and how licenses are renewed. Actual delivery of the exam - scheduling, scoring, proctoring - is handled by PSI Services LLC, a third-party testing vendor. This two-party structure (regulator + testing vendor) is common across state insurance licensing and is exactly why the exam name includes the state abbreviation: Oregon's version of the Property and Casualty producer exam is administered under Oregon's specific rules, fee schedule, and continuing education requirements, which can differ from other states' P&C exams even though the subject matter overlaps.
Understanding this distinction matters for anyone comparing notes with producers licensed elsewhere. Two people might both say "I passed my P&C exam," but the passing score, question count, and prelicensing hours could differ by state. For a full breakdown of eligibility rules specific to Oregon, see our OR-PC Requirements 2026: Eligibility, Prerequisites & How to Qualify guide.
Exam Format Behind the Name
Once you know what OR-PC stands for, it helps to know what sitting for it actually looks like. The exam is closed-book and computer-based, offered at PSI test centers or via remote proctoring for candidates who prefer to test from home. Here's the mechanical breakdown:
- 150 scored multiple-choice questions, with PSI reserving the right to insert 5 to 10 additional unscored, experimental items that you won't be able to distinguish from scored ones.
- 160 minutes to complete the exam - roughly one minute per scored question, though experimental items eat into that pool.
- 70% passing score, which is the threshold you need to hit to be recommended for licensure.
- $55 exam fee, paid directly to PSI at the time of scheduling.
- No calculators or reference materials permitted at your workstation - everything must be recalled from memory or reasoned through with the information given in the question stem.
For an exact number-by-number breakdown of what "passing" requires, read OR-PC Passing Score 2026: Exactly What You Need to Pass. If you're still deciding when to sit for the exam relative to your prelicensing course completion, our OR-PC Exam Dates 2026: Testing Windows, Deadlines & Scheduling article walks through scheduling logistics in detail.
Key Takeaway
The 70% passing threshold applies only to the 150 scored questions - treat every question as scored during the exam, since you cannot identify which ones are experimental.
The 13 Domains That Define "Property & Casualty"
The "PC" in OR-PC isn't a vague label - it maps to 13 specific content domains that PSI's exam blueprint pulls questions from. Two domains carry outsized weight and deserve proportionally more study time:
Domain 4: Property and Casualty Basics (14%)
This is the single largest domain on the exam. It covers foundational insurance concepts that underpin every policy type tested elsewhere - insurable interest, indemnity, perils versus hazards, and how P&C contracts are structured.
- Master these fundamentals first; nearly every later domain references them.
Domain 9: Commercial General Liability (13%)
The second-heaviest domain, testing your grasp of CGL coverage forms, exclusions, and how liability claims are triggered and defended.
- Expect scenario-based questions distinguishing occurrence versus claims-made triggers.
The remaining 11 domains round out the blueprint:
- Domain 1: Insurance Regulation (11%)
- Domain 2: Federal Laws and Regulations (2%)
- Domain 3: General Insurance Concepts (11%)
- Domain 5: Dwelling Policy (6%)
- Domain 6: Homeowners Policy Concepts (9%)
- Domain 7: Personal Automobile Policy (9%)
- Domain 8: Commercial Automobile Policy (3%)
- Domain 10: Commercial Package Policy (CPP) (7%)
- Domain 11: Businessowners Policy (5%)
- Domain 12: Workers Compensation Law (5%)
- Domain 13: Other Types of Property and Casualty Insurance - Purpose and General Characteristics (5%)
Notice that Insurance Regulation and General Insurance Concepts each carry 11% - nearly as much as the top two domains combined weight suggests, these three areas (Basics, CGL, Regulation/Concepts) make up close to half the exam by themselves. For a domain-by-domain study breakdown with subtopics, see OR-PC Exam Domains 2026: Complete Guide to All 13 Content Areas.
| 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% |
From Exam Name to Active License
Passing the OR-PC exam is one step in a broader licensing sequence, and the surrounding requirements shape how candidates prepare. Resident applicants generally must be at least 18 years old and complete approved prelicensing education before sitting for the test: 20 hours per line, or 40 hours if pursuing the combined property and casualty license. That prelicensing completion certificate is valid for one year, so timing your exam appointment matters - let it lapse and you may need to repeat coursework. Candidates holding a CPCU designation can qualify for a waiver of this prelicensing requirement.
After passing the exam, applicants still need to complete fingerprinting for a background check and submit a $75 license application to the Division of Financial Regulation. Once licensed, producers must renew every two years and complete 24 continuing education hours, including 3 hours of ethics and 3 hours specifically on Oregon statutes and administrative rules. For the full financial picture across prelicensing, exam, application, and renewal costs, see OR-PC Certification Cost 2026: Complete Pricing Breakdown.
Who Actually Uses This Credential
Passing the OR-PC exam and obtaining an Oregon producer license opens the door to selling property and casualty insurance products through independent agencies, captive carrier agencies, and brokerages operating in Oregon. Roles range from personal lines producers handling homeowners and auto policies to commercial lines specialists working with businessowners policies, commercial package policies, and general liability coverage for Oregon employers. Because the exam blueprint devotes meaningful weight to both personal lines (dwelling, homeowners, personal auto) and commercial lines (CGL, CPP, commercial auto, workers compensation), license holders are qualified to work across a broad swath of the P&C market rather than a narrow niche.
If you're evaluating whether this career path fits your goals, our OR-PC Salary Guide 2026: Complete Earnings Analysis and Is the OR-PC Certification Worth It? Complete ROI Analysis 2026 articles dig into earning potential and long-term value. You can also browse current openings that reference this license in our OR-PC Jobs roundup.
Building a Study Plan Around the Acronym
Because OR-PC covers 13 distinct domains with uneven weighting, an effective study plan allocates time proportionally rather than evenly. A simple four-week structure might look like this, front-loading the heaviest domains while leaving buffer time for review before test day.
Foundations and Regulation
- Property and Casualty Basics (14%)
- Insurance Regulation (11%)
- General Insurance Concepts (11%)
Personal Lines
- Homeowners Policy Concepts (9%)
- Dwelling Policy (6%)
- Personal Automobile Policy (9%)
Commercial Lines
- Commercial General Liability (13%)
- Commercial Package Policy (7%)
- Businessowners Policy (5%)
- Commercial Automobile Policy (3%)
Remaining Topics and Review
- Workers Compensation Law (5%)
- Other Types of P&C Insurance (5%)
- Federal Laws and Regulations (2%)
- Full timed practice sessions under exam-like conditions
Practicing under realistic conditions matters as much as content review. Since the real exam is closed-book with no calculator, simulate that constraint with untimed reading followed by timed, 150-question practice runs. You can start building that habit right now with the practice questions on our main practice test platform, which mirrors the multiple-choice format and domain distribution described above. For a deeper look at how difficult candidates typically find the material, read How Hard Is the OR-PC Exam? Complete Difficulty Guide 2026, and for a condensed reference during your final review pass, bookmark the OR-PC Cheat Sheet 2026: One-Page Review of Must-Know Facts.
Key Takeaway
Allocate study time to match domain weight - Property and Casualty Basics and Commercial General Liability together account for 27% of the exam, more than any other pairing.
For a structured, week-by-week walkthrough that goes beyond this overview, our OR-PC Study Guide 2026: How to Pass on Your First Attempt lays out a complete preparation roadmap, and OR-PC Pass Rate 2026: What the Data Shows discusses what the available data indicates about candidate outcomes. You can also test your current knowledge level immediately using the free questions available here.
Frequently Asked Questions
OR-PC stands for the Oregon Property & Casualty Insurance Producer Exam, the state licensing test administered by PSI Services LLC under the authority of the Oregon Division of Financial Regulation.
No. OR-PC is Oregon's specific version of the property and casualty producer exam. Requirements like prelicensing hours, fees, and passing score are set by Oregon's Division of Financial Regulation and can differ from other states' P&C licensing exams.
The exam has 150 scored multiple-choice questions, and PSI may add 5 to 10 unscored experimental questions. Candidates are given 160 minutes to complete the exam.
Yes. Resident candidates generally complete 20 hours of approved prelicensing education per line, or 40 hours for the combined property and casualty license, before sitting for the exam. The completion certificate is valid for one year.
After passing, you'll need to complete fingerprinting and submit a $75 license application to the Oregon Division of Financial Regulation. Once licensed, you'll renew every two years with 24 continuing education hours, including 3 ethics hours and 3 hours on Oregon statutes and administrative rules.