- Exam Overview: 145 Questions, 10 Domains
- Property Domains 1-3: The Foundation
- Casualty Domains 4-6: The Heaviest Weight
- State Statutes Domains 7-10: Connecticut-Specific Law
- Domain Weight Breakdown Table
- Allocating Study Time by Domain
- 2026 Outline Update: What Changes September 1
- Frequently Asked Questions
- The CT-PC exam covers 10 domains across 145 questions (130 scored) in 2 hours 30 minutes.
- Casualty types of policies, bonds, and related terms is the single largest domain at 17.7%.
- Connecticut-specific statute domains (7-10) combine for well over a quarter of the test.
- The current outline runs through August 31, 2026, then a revised version takes effect September 1, 2026 with the same domain weights.
Exam Overview: 145 Questions, 10 Domains
The Connecticut Property & Casualty Insurance Producer Exam (exam code 12-CT-04) is administered by Pearson VUE on behalf of the Connecticut Insurance Department. It's a single, closed-book, multiple-choice test - there is no split between separate "property" and "casualty" exam sessions. Candidates answer 145 questions total, of which 130 are scored and 15 are unscored pretest items you can't distinguish from the rest. You get 2 hours and 30 minutes to finish, and a 70% score on the scored items is required to pass.
Before you can even sit for the test, Connecticut requires you to be at least 18 years old and to complete 40 hours of approved Property and Casualty prelicensing education, unless you qualify for an approved waiver or exemption. The exam fee is $105, and if you need it, Spanish-language delivery is available with the ability to switch between Spanish and English during the test.
What most candidates underestimate is that the content outline breaks into exactly 10 domains, each with its own percentage weight. Understanding those weights - not just the topic names - is what separates efficient study plans from wasted hours. For a full walkthrough of how to build a week-by-week plan around these weights, see the CT-PC Study Guide 2026: How to Pass on Your First Attempt.
Property Domains 1-3: The Foundation
The first three domains of the outline deal exclusively with property insurance - the coverage forms, terminology, and contract law that apply to homes, dwellings, and commercial property risks.
Domain 1: Property - Types of Policies (16.9%)
This is the second-largest domain on the entire exam and the largest of the three property domains. Candidates must be able to distinguish between the major property policy forms, know what perils and property each form covers or excludes, and understand how endorsements modify a base policy.
- Homeowners policy forms and their coverage differences
- Dwelling policy forms for non-owner-occupied and secondary residences
- Commercial property forms, including builders risk and inland marine concepts
- Flood and other specialty property coverage basics
Domain 2: Property - Insurance Terms and Related Concepts (11.5%)
This domain tests the vocabulary and conceptual mechanics underlying property coverage - the "how it works" layer beneath the policy forms in Domain 1.
- Valuation methods: actual cash value, replacement cost, agreed value
- Coinsurance and how it penalizes underinsurance
- Deductibles, limits, and how they interact with a claim payout
- Perils versus hazards and the concept of proximate cause
Domain 3: Property - Policy Provisions and Contract Law (10.0%)
Domain 3 shifts from coverage mechanics to the legal structure of the contract itself - the provisions that determine when coverage applies and how disputes are resolved.
- Conditions, exclusions, and definitions common to property contracts
- Cancellation, nonrenewal, and reinstatement rules
- Elements of an insurable contract and insurable interest
- Subrogation and other post-loss contractual rights
Together, Domains 1-3 account for roughly 38% of the scored questions - a substantial share, but still smaller than the casualty side of the outline.
Casualty Domains 4-6: The Heaviest Weight
Casualty content mirrors the structure of the property domains - policies, then terms, then provisions - but carries slightly more overall weight, driven almost entirely by one domain.
Domain 4: Casualty - Types of Policies, Bonds, and Related Terms (17.7%)
This is the single largest domain on the entire CT-PC exam. Any candidate who shortchanges this section is taking on unnecessary risk. It spans personal auto, commercial general liability, workers compensation, umbrella/excess liability, and surety and fidelity bonds.
- Personal auto policy structure and coverage parts
- Commercial general liability occurrence versus claims-made triggers
- Workers compensation coverage parts and employer's liability
- Bond types: fidelity, surety, and the parties involved (principal, obligee, surety)
Domain 5: Casualty - Insurance Terms and Related Concepts (11.5%)
Just as with property, this domain covers the underlying vocabulary that makes casualty policies function correctly.
- Liability concepts: negligence, strict liability, vicarious liability
- Limits of liability, aggregate limits, and per-occurrence structures
- Underwriting and rating terminology specific to casualty lines
- Types of damages and how they're categorized in a claim
Domain 6: Casualty - Policy Provisions (9.2%)
This domain rounds out the casualty section with the contractual provisions specific to liability and auto coverage.
- Other insurance and coordination of benefits provisions
- Duties after loss and cooperation clauses
- Cancellation and nonrenewal provisions unique to casualty lines
- Named insured versus additional insured status
Domains 4-6 combined make up 38.4% of the scored exam - meaning property and casualty content together account for roughly three-quarters of the test, with the remaining share devoted to Connecticut statutes and regulations.
Key Takeaway
If you only have time to deeply master two domains before your test date, make them Domain 1 (Property Types of Policies) and Domain 4 (Casualty Types of Policies, Bonds, and Related Terms) - together they represent nearly 35% of your scored questions.
State Statutes Domains 7-10: Connecticut-Specific Law
The final four domains move away from generic insurance principles and into Connecticut-specific statutes, rules, and regulations. Many out-of-state candidates or those transferring licenses underestimate this section because it can't be learned from national P&C textbooks alone - it requires studying Connecticut Insurance Department rules directly.
Domain 7: CT Statutes, Rules, and Regulations Common to Life, Accident and Health, Property, and Casualty Insurance (13.8%)
This is the largest of the four state-law domains and the third-largest domain on the whole exam. It covers licensing law that applies to every type of Connecticut producer, not just P&C.
- Producer licensing requirements, renewals, and continuing education rules
- Unfair trade practices and unfair claims settlement practices
- Insurer and producer conduct standards, penalties, and Department authority
- Rules governing rebating, twisting, and misrepresentation
Domain 8: State Statutes, Rules and Regulations Common to Property and Casualty Insurance Only (2.3%)
The smallest domain on the exam, but don't skip it entirely - a handful of questions still come from this narrow slice of P&C-only state regulation.
- Rate and form filing requirements specific to P&C lines
- Cancellation and nonrenewal notice requirements under Connecticut law
Domain 9: State Statutes, Rules and Regulations Pertinent to Property Insurance Only (3.1%)
Focused strictly on statutes that touch property insurance specifically.
- Connecticut requirements around fire insurance and standard fire policy language
- Property-specific consumer protection statutes
Domain 10: State Statutes, Rules, and Regulations Pertinent to Casualty Insurance Only (3.8%)
The mirror image of Domain 9, but for casualty lines.
- Connecticut auto insurance statutory requirements, including financial responsibility law
- Workers compensation statutory requirements under Connecticut law
Combined, Domains 7-10 total 22.9% of the scored questions - nearly a quarter of the exam devoted purely to Connecticut law. This is also directly relevant to ongoing licensure: resident producers must complete 24 continuing education credits per renewal period, including 3 credits in laws, regulations, or ethics, and effective April 15, 2026, P&C producers must also complete a one-time 3-credit NFIP flood course before their next renewal. The statute knowledge tested in Domains 7-10 isn't a one-time hurdle - it's the foundation of ongoing compliance in this career.
Domain Weight Breakdown Table
| Domain | Topic | Weight |
|---|---|---|
| 1 | Property: Types of Policies | 16.9% |
| 2 | Property: Insurance Terms and Related Concepts | 11.5% |
| 3 | Property: Policy Provisions and Contract Law | 10.0% |
| 4 | Casualty: Types of Policies, Bonds, and Related Terms | 17.7% |
| 5 | Casualty: Insurance Terms and Related Concepts | 11.5% |
| 6 | Casualty: Policy Provisions | 9.2% |
| 7 | CT Statutes Common to Life, A&H, Property, and Casualty | 13.8% |
| 8 | State Statutes Common to Property and Casualty Only | 2.3% |
| 9 | State Statutes Pertinent to Property Only | 3.1% |
| 10 | State Statutes Pertinent to Casualty Only | 3.8% |
For a condensed, printable version of this breakdown alongside other must-know facts, bookmark the CT-PC Cheat Sheet 2026: One-Page Review of Must-Know Facts.
Allocating Study Time by Domain
Because 145 questions are drawn across 10 unevenly weighted domains, the smartest approach is to allocate study hours roughly proportional to domain weight, then add a buffer week for weak spots identified through practice testing.
Property Domains 1-3
- Master policy forms first (Domain 1), since it's the heaviest property domain
- Layer in valuation and coinsurance concepts (Domain 2)
- Finish with contract provisions and cancellation rules (Domain 3)
Casualty Domains 4-6
- Spend the most time on Domain 4 - it's the single largest domain on the exam
- Drill liability and damages terminology for Domain 5
- Review other-insurance and duties-after-loss provisions in Domain 6
Connecticut Statutes 7-10
- Prioritize Domain 7, the largest statute domain, covering licensing and unfair trade practices
- Study the smaller Domains 8-10 together since each is narrow in scope
Full Practice and Review
- Take full-length timed practice tests to simulate the 2-hour-30-minute limit
- Rebuild weak domains identified from missed questions
- Confirm registration details and exam-day logistics
This kind of weighted schedule is only half the picture - pacing, review cadence, and how to interpret practice-test scores matter just as much. That full methodology, tied specifically to these domain weights, is covered in the CT-PC Study Guide 2026: How to Pass on Your First Attempt. If you're still deciding how much runway to give yourself, the How Hard Is the CT-PC Exam? Complete Difficulty Guide 2026 breaks down where candidates typically lose points.
2026 Outline Update: What Changes September 1
The domain structure described above reflects the outline currently in effect from October 27, 2025 through August 31, 2026. Pearson VUE has already published a revised outline that takes effect September 1, 2026. The good news for anyone studying now or planning to test near that transition date: the revised outline keeps the same 10 domains with the same P&C weight percentages listed above. There's no need to worry about the numbers shifting under you - the content areas and their relative emphasis remain stable across both versions of the outline.
If your test date falls close to the September 1, 2026 cutover, it's still worth confirming which outline version is active for your scheduled session. For scheduling logistics and how testing windows are structured throughout the year, see CT-PC Exam Dates 2026: Testing Windows, Deadlines & Scheduling.
Once you understand exactly how the domains break down, the next practical step is measuring your readiness against realistic practice questions modeled on the same weighting. You can start running domain-specific practice sets on the main practice test platform to see which of the 10 areas need the most attention before test day.
It's also worth thinking beyond the exam itself. Understanding how these domains map to real job duties - underwriting, claims, or producer roles - can clarify why Connecticut weights casualty and statute knowledge so heavily. For that context, see CT-PC Jobs and Is the CT-PC Certification Worth It? Complete ROI Analysis 2026.
Frequently Asked Questions
There are 10 domains: three covering property, three covering casualty, and four covering Connecticut statutes, rules, and regulations, ranging from a general common domain down to lines-specific domains for property and casualty only.
Domain 4, Casualty Types of Policies, Bonds, and Related Terms, is the largest at 17.7% of the scored content, followed closely by Domain 1, Property Types of Policies, at 16.9%.
No. Pearson's revised outline effective September 1, 2026 keeps the same 10 domains and the same P&C domain weight percentages as the outline in effect since October 27, 2025.
The exam has 145 total questions, but only 130 are scored. The remaining 15 are unscored pretest items mixed in throughout the test and cannot be identified during the exam.
Since Domains 1-6 (general property and casualty content) make up over 76% of the scored exam, most candidates get more value building that foundation first, then layering in the Connecticut-specific statute domains (7-10) before test day.