Pennsylvania Insurance License

Licensing requirements for Pennsylvania insurance professionals and companies.

This page provides an overview of insurance licensing in Pennsylvania for individuals and companies. You will find state requirements, application fees, filing instructions, and more. For assistance with licensing, please contact us to learn about our software and managed license services.

Companies that provide insurance producer services in Pennsylvania must apply for a license prior to doing business. Depending on the lines of authority offered by the entity and the types of services offered, multiple firm licenses may be required.

Before applying, firms should ensure that the licensed individual to be appointed agent in charge has the necessary licenses. Firms should also gather proof of incorporation, or foreign qualification for out-of-state firms, in anticipation of application requirements.

Pennsylvania Insurance License Requirements

Pennsylvania licenses the agency and the people in it separately. Before a firm provides insurance producer services in the state, it needs a business entity license and at least one individually licensed producer who answers for it.

Who can hold an agency license

Corporations, partnerships, LLCs and LLPs can apply for a business entity license. Sole proprietorships can't. The owner of a sole proprietorship gets an individual producer license instead.

Requirements for resident agencies

• Name approval comes first. Resident agencies get their name approved by the Pennsylvania Insurance Department, then register with the Pennsylvania Department of State.
• Name a Designated Responsible Licensed Producer (DRLP). At least one DRLP goes on the application. Together, the DRLPs must hold every line of authority the agency applies for. A resident agency's DRLP needs an active Pennsylvania license of the same class.
• Apply online through NIPR or Sircon. The state fee for a resident producer agency is $55. NIPR adds its own transaction fee.
• Document any background "yes" answers. For each incident, submit a written statement, the document that started the proceeding, and the document showing how it was resolved.

Requirements for non-resident agencies

• The same entity types and DRLP rule apply. A non-resident agency's DRLP must be actively licensed in Pennsylvania, either as a resident or a non-resident.
• The state reviews the agency name when the application comes in. Registration with the Department of State may be required, and instructions arrive with the license.
• The state fee for a non-resident producer agency is $110.

Extra requirements by license type

Keeping the license active

• Most agency licenses run two years. Viatical settlement broker licenses run one year.
• Renew every line at once. Pennsylvania doesn't accept partial renewals, and you can't add a line during that license class's renewal period.
• Missing the deadline costs more. Late renewal is open for 60 days after expiration. A resident producer agency then pays $165 instead of $55. After 60 days the license goes inactive. Producer, limited lines, title and surplus lines agencies can reinstate starting on day 64. Public adjusters and viatical settlement brokers have to reapply.

For a multistate agency, Pennsylvania's renewal dates and DRLP rule are one set among many. Harbor Compliance tracks licenses, renewal dates and DRLP coverage in every state your agency works in, so a missed date doesn't take a line of business offline.

• Jump To:
• Pennsylvania Insurance Company Licenses
• Pennsylvania Individual Insurance Licenses

Learn about insurance licensing in other states: