North Dakota Insurance License Requirements and Renewal Guide
Licensing procedures, PSI examination standards, statutory fee schedules, and biennial continuing education guidelines for producers in the Peace Garden State.
Insurance credentials in North Dakota are regulated by the North Dakota Insurance Department. Licensing examinations and electronic fingerprint processing are managed through PSI Services, while application processing and biennial renewals run electronically through NIPR.
North Dakota Insurance License Categories
North Dakota authorizes producer operations by designated lines of authority. Independent insurance professionals operating in the state typically hold one or more of the following credentials:
| Line of Authority | Statutory Scope and Coverage Details |
|---|---|
| Property & Casualty | Commercial property, general liability, commercial auto, personal automobile, homeowners, and surety coverages. |
| Life | Individual and group life insurance policies, immediate and deferred annuities, and endowments. |
| Accident & Health | Major medical policies, disability income, Medicare supplements, long term care, vision, and dental insurance. |
| Personal Lines | Property and casualty coverage sold exclusively to individuals and families for non commercial purposes. |
| Surplus Lines Producer | Authorizes placing complex commercial and specialty coverage with non admitted carriers. Applicants must hold an active resident property and casualty producer license. |
How to Get a North Dakota Insurance Producer License
Obtaining an initial resident producer credential in North Dakota involves passing state examinations, completing fingerprint clearances, and submitting an application through NIPR.
Step 1: Complete Exam Preparation
North Dakota does not mandate classroom pre licensing education hours prior to testing. Candidates are free to prepare through self study, study manuals, or online courses through educational vendors before scheduling their state exam.
Step 2: Pass the PSI Licensing Examination
State insurance examinations are administered by PSI Services at physical testing centers. Candidates must schedule their examination slots online.
- Examination Topics: Tests evaluate general insurance principles along with North Dakota statutes and trade practice rules.
- Passing Score: Candidates must achieve a score of 70 percent or higher.
Step 3: Complete Digital Fingerprints
Resident applicants must submit a completed fingerprint record for background screening through the Bureau of Criminal Investigation and the FBI. Electronic fingerprinting is handled through PSI testing centers and requires separate state and processing fees.
Step 4: Submit Online Application via NIPR
Once you have passed the examination and completed your background checks, submit your resident individual producer application through NIPR.
- State Application Fee: The initial individual resident license fee is $100.
- Processing Timeline: Normal applications are processed rapidly when examination scores and background records successfully match your application details.
North Dakota License Renewal and Continuing Education
North Dakota individual producer licenses operate on a biennial renewal cycle linked to your birth month and birth year. Maintaining compliance requires completing approved continuing education hours before your renewal deadline.
Renewal Schedule and Statutory Fees
| Filing Transaction | Statutory Schedule and Expiration | State Fee |
|---|---|---|
| Resident Individual Producer Renewal | Due biennially on the last day of the producer birth month. Producers born in even years renew in even calendar years, while odd birth years renew in odd calendar years. | $25 |
| Non Resident Individual Renewal | Due biennially on the last day of the licensee birth month matching odd or even birth year. | $25 |
| Business Entity License Initial | Initial application required for agency operations. | $100 |
Continuing Education Requirements
Resident producers holding major lines of authority must complete 24 approved CE credit hours during each biennial renewal cycle.
- Mandatory Ethics: At least 3 of the 24 hours must cover approved insurance ethics topics.
- Course Completion Timetable: Credit hours must be reported directly to the state by the course provider prior to submitting your license renewal. Do not wait until the final week of your birth month to complete required study courses.
Verify Current North Dakota CE Requirements
Non Resident Licensing in North Dakota
Out of state producers seeking to solicit, negotiate, or bind insurance coverage in North Dakota can apply for a non resident individual license through national reciprocity without sitting for the PSI exam.
- Prerequisites: You must maintain an active resident license in good standing for equivalent lines of authority in your primary home state.
- Filing Fee: The state licensing fee is $100 for the initial filing, submitted electronically via NIPR.
- Continuing Education: Non resident producers fulfill North Dakota CE requirements simply by maintaining continuing education compliance in their home state.
North Dakota Insurance Agency Business Entity Licensing
Corporations, partnerships, and limited liability companies acting as insurance agencies or brokerages in North Dakota must maintain a business entity producer license.
- Designated Responsible Licensed Producer: The firm must designate at least one active individual producer who is responsible for the entity compliance. The designated producers must cumulatively hold all lines of authority requested by the agency entity.
- Licensing Fees: The statutory fee is $100 for initial application.
Official Regulatory Contacts and Portals
| Authority / Service | Role and Direct Gateway |
|---|---|
| North Dakota Insurance Department | Statutory regulator, administrative bulletins, and license validation. Official portal: insurance.nd.gov. |
| PSI Testing | Candidate handbook, exam registration, and remote testing reservations: psiexams.com. |
| NIPR North Dakota Gateway | Electronic submissions for resident and non resident producer licenses, renewals, and reinstatements: nipr.com. |
In addition to insurance licensing maintenance, every LLC and corporation registered in North Dakota must file an annual report with the Secretary of State.
Review North Dakota LLC and Corporate Annual Report Requirements →