Florida general lines (property and casualty) (2-20)

What exam day looks like

The 2-20 exam is 175 questions in 3 hours, of which 160 are scored and the rest are unscored pretest items. The passing standard is 70 percent of the scored questions, given in person at a Pearson VUE center. It is the longest of the standard Florida insurance exams.

The national material is property and casualty coverage rather than life and health, and about a quarter of the paper is Florida law, as on every line.

What the license lets you do

A 2-20 agent may sell property, casualty, surety and marine insurance: auto, homeowners and renters, and the commercial lines that make up much of the market. It is the gateway to commercial work and can serve as agent in charge of a general lines agency.

Because Florida runs a no-fault auto system, personal auto sits on top of the state's personal injury protection rules, one of several places where the Florida law portion and the coverage material meet.

Why 200 hours, and the conversion route

The 200-hour course reflects the breadth: property and casualty span far more distinct coverage forms than the life-and-health lines, and the exam samples across all of them. It is the largest pre-licensing commitment of the standard licenses, which is why many agents earn a 2-15 first and add the 2-20 later.

There is a shorter path for some. A licensed 4-40 customer representative or 20-44 personal lines agent with a year of experience can convert to the 2-20 through a 40-hour conversion course rather than the full 200 hours. DFS is the final word on who qualifies.

Common questions

Why does the 2-20 need 200 hours when the 2-15 needs 60?

The 2-20 carries the broadest authority in the state, spanning property, casualty, auto, homeowners and commercial lines. That breadth is what the longer course and the longer exam cover.

How is the 2-20 different from the life and health licenses?

The 2-20 is property and casualty; the 2-14, 2-15 and 2-40 are life and health. The exams do not overlap: a 2-20 candidate is never tested on annuities, and a life-and-health candidate is never tested on auto or homeowners coverage.

Is there a shortcut from a service license?

Yes. A licensed 4-40 customer representative or 20-44 personal lines agent with a year of experience can convert to the 2-20 with a 40-hour conversion course instead of the full 200 hours. Eligibility is determined by DFS.