Property & Casualty insurance is often split into two sides: personal lines and commercial lines. Both start with a Property & Casualty license, but the work feels different.
Personal lines
Personal lines covers individuals and families:
- Homeowners, renters and condo insurance
- Auto insurance
- Landlord and dwelling policies, including the FAIR Plan
The work often involves many clients, quick quotes and lots of everyday conversations. It's a common starting point for new agents.
Commercial lines
Commercial lines covers businesses:
- Commercial property and buildings
- General liability
- Business auto and other business policies
Accounts are often more complex, involve more detailed applications and can take longer to place.
Both sides start with a Property & Casualty license.
See classes & scheduleWhich fits you?
- Personal lines may suit you if you like variety, fast pace and helping families.
- Commercial lines may suit you if you enjoy business, deeper research and longer relationships.
Many agents start in personal lines and add commercial later. Read more: Property & Casualty vs. Life, Health & Accident.