Virginia Insurance License Requirements and Renewal Guide
Statutory licensing protocols, Prometric examination standards, continuing education guidelines, and biennial compliance schedules for Virginia insurance producers.
Insurance licensing in the state is administered by the Virginia State Corporation Commission Bureau of Insurance (BOI). Examination scheduling is delivered through Prometric, while license applications and biennial renewals are processed online via Sircon and NIPR.
Virginia Insurance License Categories
Virginia issues producer credentials categorized by specific lines of authority. Independent insurance professionals and agencies operating in the Old Dominion commonly maintain one or more of the following license categories:
| Line of Authority | Statutory Coverage Scope |
|---|---|
| Property & Casualty | Personal and commercial lines coverage including automobile, homeowners, commercial property, general liability, and surety bonds. |
| Life and Annuities | Individual and group life insurance products, annuities, and endowments. |
| Health | Major medical plans, Medicare supplements, disability income, dental, and vision insurance. |
| Personal Lines | Personal automobile and residential property policies without commercial writing authority. |
| Surplus Lines Broker | Placing specialty and non admitted coverage for unique or complex commercial risks not available in the admitted market. |
How to Get an Insurance Producer License in Virginia
Qualifying for a Virginia resident insurance producer license requires passing the state examination, clearing a digital background check, and submitting a direct electronic application.
Step 1: Exam Preparation
Virginia does not mandate a formal classroom pre licensing curriculum prior to taking the state exam. However, completing a comprehensive exam prep course through recognized providers such as Kaplan, ExamFX, or AD Banker is strongly recommended.
Step 2: Pass the Prometric Licensing Examination
Virginia insurance licensing examinations are administered through Prometric. The examination evaluates general product knowledge alongside Virginia specific insurance statutes and administrative regulations. A passing score of 70 percent or higher is required.
Step 3: Background Check and Fingerprinting
Resident applicants must complete a state and FBI criminal background check. This requires digital electronic fingerprinting through Fieldprint Virginia using the Bureau assigned code. Appointments should be scheduled immediately after passing the exam.
Step 4: Submit Online Application
Following a passing examination score, submit your official producer application online via Sircon or NIPR. The initial application fee is $15 per line of authority.
Virginia License Renewal and Continuing Education
Individual producer licenses in Virginia remain active subject to completing biennial continuing education and paying the required fees every two years. Licenses expire on the last day of the producer birth month in even numbered years for individuals born in an even year, and in odd numbered years for individuals born in an odd year.
| Transaction Type | Statutory Expiration Timeline | State Fee |
|---|---|---|
| Resident Producer Renewal | Biennial renewal due by the last day of the birth month. | $32 |
| Non Resident Producer Renewal | Biennial renewal due by the last day of the birth month. | $32 |
| Business Entity Renewal | Biennial renewal cycle. | $32 |
Continuing Education Standards
The continuing education hours required depend on the number of license lines you hold:
- Single Line Producers: Producers holding a single major line of authority must complete 16 hours of approved CE each cycle.
- Multi Line Producers: Producers holding more than one major line of authority must complete 24 hours of approved CE each cycle.
- Ethics Requirement: All compliance cycles strictly require 3 hours of approved ethics training regardless of total hours needed.
Check Virginia Continuing Education Rules
Non Resident Producer Licensing in Virginia
Producers licensed outside Virginia who plan to transact business in the state must obtain a non resident license. Under standard reciprocity rules, no examination is required provided you maintain an active resident license in good standing in your home state. Fulfilling your home state CE requirements automatically satisfies the Virginia continuing education obligations. The application fee is $15 per line of authority, and the biennial renewal fee is $32.
Virginia Insurance Agency Business Entity Licensing
Corporations, limited liability companies, and partnerships operating as insurance agencies in Virginia must maintain an agency business entity license in addition to individual agent credentials. The initial filing fee is $50, and the biennial maintenance fee is $32.
The entity must appoint at least one active and licensed individual as the Designated Responsible Licensed Producer (DRLP). Agency authority remains valid as long as the designated producer maintains active individual licensing.
In addition to BOI insurance licensing compliance, every LLC and corporation registered in Virginia must file an annual report with the State Corporation Commission to preserve good standing.
Read the Virginia Annual Report Guide →