- MD-PC is the Maryland Property and Casualty Producer Combo Exam, administered by Prometric for the Maryland Insurance Administration.
- The exam (Series 20-32) costs $62 and includes 120 scored plus 10 unscored questions in 2 hours 30 minutes.
- Insurance Regulation is the heaviest domain at 30% of scored content.
- Maryland-approved prelicensing coursework is not required for exams taken on or after October 1, 2024.
What the MD-PC Certification Actually Is
The MD-PC certification refers to the Maryland Property and Casualty Producer Combo Exam - the state licensing test that qualifies an individual to sell, solicit, or negotiate property and casualty insurance products in Maryland. It is not a designation earned through a private credentialing body; it is a regulatory exam tied directly to the Maryland Insurance Administration's producer licensing requirements. Passing it is the gateway step for anyone who wants to work as a licensed property and casualty producer in the state, whether at an agency, a carrier, or as an independent broker.
If you're still sorting out the basic vocabulary around this credential, the companion pieces "What Is MD-PC?" and "MD-PC Meaning" break down the terminology in plain language, while "What Does MD-PC Stand For?" covers the full name expansion in more detail.
Who Issues and Administers the MD-PC
The Maryland Insurance Administration sets the licensing requirements and content outline for the exam, but the actual test delivery is handled by Prometric, a third-party testing vendor used by many state insurance departments. Prometric operates the physical test centers and also offers ProProctor, a remote proctoring option that lets candidates sit for the exam from home or another approved location instead of driving to a test center.
This split - regulator sets the rules, Prometric runs the exam - matters because it explains where to look for different kinds of information. Content outlines, licensing law, and continuing education rules come from the Maryland Insurance Administration. Scheduling, test-day logistics, and exam-day technical requirements come from Prometric. For a closer look at scheduling logistics and testing windows, see "MD-PC Exam Dates 2026: Testing Windows, Deadlines & Scheduling".
Exam Format, Timing, and Fees
The MD-PC exam is officially identified as Series 20-32. Here's what candidates should expect on test day:
- Question count: 120 scored questions plus 10 unscored (pretest) questions, for 130 total questions.
- Question format: Four-option multiple choice throughout - no fill-in-the-blank, no essay, no simulation exercises.
- Time allowed: 2 hours and 30 minutes to complete the full exam.
- Cost: $62 per attempt.
- Delivery method: Test center or ProProctor remote proctoring.
The unscored questions are mixed in with the scored ones and are not identified during the test, so every question deserves the same level of attention and pacing discipline. With 130 total questions in 150 minutes, that works out to a little over a minute per question on average - tight enough that guessing strategy and time management both matter. For a deeper breakdown of exactly how many correct answers you need and how scoring works, read "MD-PC Passing Score 2026: Exactly What You Need to Pass". If you want a full cost picture including any ancillary fees beyond the base exam price, check "MD-PC Certification Cost 2026: Complete Pricing Breakdown".
Key Takeaway
Treat all 130 questions as scored, since unscored items aren't flagged. Consistent pacing across the full 150 minutes protects you from running out of time on the back half of the exam.
The 10 MD-PC Exam Domains
The MD-PC content outline is organized into 10 domains with fixed weightings. Insurance Regulation dominates the exam at 30% - nearly a third of all scored content - which makes it the single most important area to master. Note that Maryland's officially published rounded weights sum to 101%, a minor rounding artifact you'll notice if you add them yourself.
Domain 1: Insurance Regulation (30%)
The largest domain by far. Covers Maryland-specific licensing law, producer duties, unfair trade practices, and regulatory definitions.
- Highest point value of any domain - prioritize accordingly
Domain 2: General Insurance (7%)
Foundational insurance concepts that apply across policy types, including basic contract principles and terminology.
- Builds vocabulary used throughout the rest of the exam
Domain 3: Property and Casualty Insurance Basics (13%)
Core P&C concepts such as perils, risk, indemnity, and policy structure that underpin the more specific policy domains later.
- Second-largest domain; strong overlap with regulation concepts
Domain 4: Dwelling Policy (8%)
Covers the dwelling policy forms distinct from homeowners policies, including coverage forms and endorsements.
- Often confused with homeowners content - know the distinctions
Domain 5: Homeowners Policy (13%)
Homeowners policy forms, coverage parts, exclusions, and endorsements.
- Tied for second-highest weight alongside P&C Basics and CPP
Domain 6: Auto Insurance (8%)
Personal auto policy structure, required coverages under Maryland law, and common endorsements.
- Watch for Maryland-specific minimum coverage requirements
Domain 7: Commercial Package Policy (CPP) (13%)
Commercial lines coverage bundled into package policies, including property and liability components.
- One of three domains tied at 13% weight
Domain 8: Businessowners Policy (1%)
The smallest domain on the exam - a narrow slice covering BOP structure and eligibility.
- Low point value; don't overinvest study time here
Domain 9: Workers' Compensation Insurance (3%)
Basic workers' compensation coverage principles and how they apply in a commercial context.
- Small but distinct topic area worth a quick, focused review
Domain 10: Other Coverages and Options (5%)
A catch-all domain for supplemental coverages and options not covered in the more specific policy domains.
- Review after the major domains are solid
For a full walkthrough of every subtopic within each domain, see "MD-PC Exam Domains 2026: Complete Guide to All 10 Content Areas". And if you're trying to gauge overall difficulty before you commit study hours, "How Hard Is the MD-PC Exam? Complete Difficulty Guide 2026" walks through what makes this exam challenging domain by domain.
| Domain | Weight |
|---|---|
| 1. Insurance Regulation | 30% |
| 3. Property and Casualty Insurance Basics | 13% |
| 5. Homeowners Policy | 13% |
| 7. Commercial Package Policy (CPP) | 13% |
| 4. Dwelling Policy | 8% |
| 6. Auto Insurance | 8% |
| 2. General Insurance | 7% |
| 10. Other Coverages and Options | 5% |
| 9. Workers' Compensation Insurance | 3% |
| 8. Businessowners Policy | 1% |
How Registration and Prelicensing Work
A key change candidates should know about: Maryland-approved prelicensing coursework is not required for examinations taken on or after October 1, 2024. That means candidates who begin their MD-PC prep now can typically go straight to studying the content outline and scheduling the exam through Prometric, without first completing a state-mandated pre-exam course.
Candidates still need to meet Maryland's other producer licensing prerequisites separate from the exam itself. If you want the full checklist of what's required before and after the test, review "MD-PC Requirements 2026: Eligibility, Prerequisites & How to Qualify".
Who Hires MD-PC Licensees
Holding an active MD-PC license opens the door to work as a property and casualty producer for insurance agencies, carriers, and brokerages operating in Maryland. Typical employers include independent agencies writing personal and commercial lines, captive agency networks tied to a single carrier, and carriers that hire in-house producers or service staff who need a producer license to discuss or sell policies. Because the domains span personal lines (dwelling, homeowners, auto) and commercial lines (CPP, BOP, workers' compensation), the license supports a fairly wide range of roles rather than a single narrow job title.
For a closer look at the types of roles this license supports and how to search for them, see "MD-PC Jobs". If you're weighing whether the licensing effort translates into meaningful career upside, "MD-PC Salary Guide 2026: Complete Earnings Analysis" and "Is the MD-PC Certification Worth It? Complete ROI Analysis 2026" both dig into that question in more depth.
After You Pass: Licensing and Renewal
Passing the exam is a milestone, not the finish line - you still need to complete Maryland's licensing steps to convert an exam pass into an active producer license. Once licensed, producers must renew biennially (every two years), and each renewal cycle requires 24 continuing-education hours, of which 3 hours must be ethics-focused. Planning for continuing education early, rather than scrambling near your renewal deadline, keeps your license in good standing without last-minute stress.
Key Takeaway
Mark your renewal date as soon as you're licensed and start tracking continuing-education hours from day one - 24 hours (including 3 ethics hours) can accumulate gradually over two years instead of being crammed at the end.
Building a Domain-Weighted Study Plan
Because Insurance Regulation alone accounts for nearly a third of the exam, an effective study plan allocates time in proportion to domain weight rather than treating all 10 domains equally. A simple spaced-repetition approach - reviewing regulation material multiple times across several weeks while touching lower-weight domains like Businessowners Policy just once or twice - tends to produce better retention than an even split across all topics.
Insurance Regulation & General Insurance
- Build the regulatory foundation before layering on policy-specific content
- Focus extra repetition on Domain 1 given its 30% weight
P&C Basics, Dwelling, and Homeowners
- Compare dwelling and homeowners forms side by side to avoid mixing them up
Auto, CPP, BOP, and Workers' Comp
- Spend proportionally less time on Businessowners Policy given its 1% weight
Other Coverages & Full Review
- Take timed practice sets to build comfort with the 2-hour-30-minute format
- Revisit Domain 1 one more time before test day
For a more detailed week-by-week plan and specific practice recommendations, see "MD-PC Study Guide 2026: How to Pass on Your First Attempt". A condensed reference you can review the night before the exam is available in "MD-PC Cheat Sheet 2026: One-Page Review of Must-Know Facts". To see how other candidates have performed and what the available data actually shows, read "MD-PC Pass Rate 2026: What the Data Shows". And if formal coursework or guided instruction fits your learning style better than self-study, "MD-PC Training" outlines available options.
Whichever plan you follow, running realistic timed questions is one of the best ways to confirm you're ready. You can practice under exam-like conditions at our MD-PC practice test platform, which mirrors the four-option multiple-choice format and domain distribution you'll see on test day. Working through full-length practice sessions before your Prometric appointment helps surface weak spots while there's still time to fix them.
Frequently Asked Questions
It's a single combined exam - the "combo" in its name reflects that property and casualty content are tested together in one 130-question sitting rather than as two separate license exams.
No. Maryland-approved prelicensing coursework is not required for examinations taken on or after October 1, 2024.
The exam runs 2 hours and 30 minutes, covers 120 scored questions plus 10 unscored questions, and costs $62 per attempt.
Yes. In addition to Prometric test centers, the exam is available through ProProctor remote proctoring for candidates who prefer to test from an approved remote location.
Producer licenses renew biennially, and each renewal requires 24 continuing-education hours, including 3 hours specifically in ethics.