This page is designed to be printed, bookmarked, or reread the night before your appointment. It compresses everything a candidate needs to know about the Connecticut All Lines Casualty Adjuster Exam (CT-CADJ) into one scannable reference. For deeper coverage of any single fact below, follow the links into our full guides - but if you only have ten minutes before you close the laptop, this page is the one to read.
- The 12-CT-09 exam has 100 scoreable questions, a 2-hour limit, and a 70% passing score.
- General Insurance is the heaviest domain at 30% of the content outline.
- Exams are delivered only at Pearson VUE test centers now that online testing ended August 1, 2025.
- The license costs $130, lasts two years, and renews for $80 in your birth month.
Exam Snapshot: The Numbers That Matter
Before you touch a single practice question, memorize these mechanics. They govern how you pace yourself on test day and how you plan your study calendar.
| Exam Detail | Value |
|---|---|
| Exam code | 12-CT-09 (All Lines Casualty Adjuster) |
| Governing body | Connecticut Insurance Department |
| Test administrator | Pearson VUE |
| Exam fee | $70 |
| Scoreable questions | 100 multiple-choice |
| Time allowed | 2 hours |
| Passing score | 70% |
| Minimum age | 18 |
| Prelicensing education required | No |
| Fingerprints required | No |
Notice what's absent from that table: there is no separate prelicensing course requirement and no fingerprint step baked into the exam process itself. That's a meaningful difference from many other adjuster licenses, and it's covered in full in our CT-CADJ Requirements 2026 guide. If you want the exact math behind the passing threshold - how many of the 100 questions you can miss and still clear 70% - see our dedicated breakdown on the CT-CADJ passing score.
The 7 Domains at a Glance
The current content outline takes effect September 1, 2026, and organizes the exam into seven domains. Weighting isn't published for every domain, but General Insurance is confirmed as the largest single block at 30% of the exam. Treat the domain names exactly as Connecticut states them - this is a Connecticut-specific outline, not a generic adjuster syllabus.
Domain 1: CT Statutes, Rules, and Regulations Common to Property and Casualty Insurance
Covers Connecticut-specific statutory requirements that apply across property and casualty lines, including licensing law and regulatory definitions unique to this state.
- Don't substitute another state's insurance code - the questions are Connecticut-specific
Domain 2: General Insurance
The largest domain at 30%. Expect foundational insurance concepts: policy structure, contract law basics, insurable interest, and terminology that recurs across every other domain.
- Master this domain first - its vocabulary underpins the other six
Domain 3: Personal Lines
Homeowners and personal auto concepts, coverage forms, exclusions, and endorsements as they apply to individual policyholders.
- Know the difference between named-peril and open-peril coverage triggers
Domain 4: Commercial Package Policies
Business-owner and commercial package structures, how property and liability coverage parts combine, and common commercial endorsements.
- Focus on how package policies differ structurally from monoline commercial policies
Domain 5: Miscellaneous Liability
Liability exposures that fall outside standard homeowners, auto, or commercial package forms - umbrella and specialty liability concepts.
- Watch for questions distinguishing primary versus excess liability coverage
Domain 6: Workers' Compensation
Statutory benefits, employer obligations, and claim-handling nuances specific to workplace injury claims in Connecticut.
- Expect scenario questions tying benefit types to specific injury situations
Domain 7: Adjustment Procedures
The practical, applied domain - claim investigation steps, documentation, settlement authority, and the adjuster's procedural obligations.
- This domain rewards process knowledge over memorized definitions
For a fuller breakdown of what each domain tests, including subtopic lists and sample question phrasing, our CT-CADJ Exam Domains 2026 guide walks through all seven areas in depth.
Registration, Fees, and Licensing Mechanics
Money and paperwork trip up otherwise well-prepared candidates. Here's the full financial picture in one place.
- Exam fee: $70, paid to sit the 12-CT-09 exam through Pearson VUE.
- License fee: $130 for the individual All Lines Casualty Adjuster license.
- License term: Two years from issuance.
- Renewal fee: $80, due in the licensee's birth month every other year.
- Continuing education: None required for casualty adjusters in Connecticut.
- Minimum age: 18 years old.
- Prelicensing education: Not required.
- Fingerprinting: Not required for this license.
Key Takeaway
Budget $70 for the exam and $130 for the license - $200 total before you're actively licensed - and mark your birth month two years out for the $80 renewal. Nothing else recurs annually since there's no CE obligation.
For a line-item walkthrough of every dollar involved, including how this compares to other adjuster paths, see the CT-CADJ Certification Cost 2026 breakdown. If you're still confirming whether you meet the basic eligibility bar, the requirements guide lays it out step by step.
How and Where the Exam Is Delivered
This is a detail candidates frequently get wrong because older information floats around online: online remote testing for this exam ended August 1, 2025. As of now, the 12-CT-09 exam is delivered exclusively at Pearson VUE test centers. If you're building a study calendar or trying to book a seat, plan around in-person testing logistics - travel time, ID requirements, and center availability - rather than assuming you can test from home.
For a full look at scheduling windows, deadlines, and how to book efficiently, check the CT-CADJ Exam Dates 2026 guide. And if you're still deciding whether the in-person format changes your difficulty estimate, our exam difficulty guide addresses that directly.
High-Yield Topics Inside Each Domain
Beyond the domain names themselves, here are the concrete topic clusters that tend to show up repeatedly in exam-style questions. Use this as a checklist against your notes.
- Domain 1 (CT Statutes): licensing categories, unfair claims practices, statutory definitions specific to Connecticut, and regulatory authority boundaries.
- Domain 2 (General Insurance): policy components, conditions and declarations, insurable interest, indemnity principles, and standard policy terminology.
- Domain 3 (Personal Lines): HO policy forms, personal auto liability and physical damage coverage, exclusions, and common endorsements.
- Domain 4 (Commercial Package Policies): package policy structure, building and personal property coverage forms, and how liability coverage parts attach.
- Domain 5 (Miscellaneous Liability): umbrella/excess concepts, professional liability basics, and coverage gaps between primary policies.
- Domain 6 (Workers' Compensation): benefit categories, employer/employee obligations, and claim triage for workplace injuries.
- Domain 7 (Adjustment Procedures): investigation steps, documentation standards, reserve setting logic, and settlement authority limits.
Key Takeaway
Terminology from Domain 2 (General Insurance) reappears inside nearly every other domain's questions - a shaky grasp of basic policy vocabulary will cost you points across the whole exam, not just in one section.
For sample question phrasing and a more granular subtopic list per domain, the complete domains guide is the best companion to this cheat sheet.
A Domain-by-Domain Final Review Plan
If you're using this cheat sheet in the final stretch before your test date, allocate review time by domain weight and difficulty rather than spreading effort evenly. Since Domain 2 carries the heaviest known weighting, it deserves proportionally more review time - but don't neglect the applied domains (6 and 7), where scenario-based questions can be trickier than pure recall.
Foundations First
- Review Domain 2 (General Insurance) thoroughly - it's the largest domain and underpins the rest
- Cross-reference Domain 1 (CT Statutes) terminology against Domain 2 concepts
Coverage Lines
- Work through Domain 3 (Personal Lines) and Domain 4 (Commercial Package Policies) side by side to spot structural differences
Liability & Comp
- Drill Domain 5 (Miscellaneous Liability) and Domain 6 (Workers' Compensation) with scenario-based practice questions
Procedure & Timing
- Focus on Domain 7 (Adjustment Procedures)
- Run full-length timed practice sets to rehearse the 2-hour, 100-question pace
This calendar isn't a rigid formula - some candidates compress it into two weeks, others stretch it longer. What matters is that the sequence tracks the exam's actual domain structure rather than a generic study template. For a more detailed week-by-week strategy including question banks and review techniques, see our full CT-CADJ Study Guide 2026. You can also run full practice exams through our CT-CADJ practice test platform to simulate the real 100-question, 2-hour format before test day.
Who Hires CT-CADJ Licensees
Once licensed, All Lines Casualty Adjusters in Connecticut typically work for property and casualty insurance carriers, independent adjusting firms, and third-party administrators handling claims across personal lines, commercial lines, liability, and workers' compensation. Because the license covers "all lines" casualty work rather than a single narrow specialty, licensees are positioned to work across multiple claim types rather than being boxed into one.
If you're weighing whether this license is worth pursuing relative to the time and cost involved, our ROI analysis and salary guide dig into that question further. For a look at where openings tend to appear and what employers look for, see CT-CADJ Jobs, and if you're brand new to the license and want the basics, start with What Is CT-CADJ?
Frequently Asked Questions
The 12-CT-09 exam has 100 scoreable multiple-choice questions, and you're given 2 hours to complete it.
You need 70% to pass. See our passing score guide for the exact math on how many questions you can miss.
No. Online testing for this exam ended August 1, 2025. It is now delivered only at Pearson VUE test centers.
No. Connecticut does not require prelicensing education or fingerprints for the All Lines Casualty Adjuster license.
The individual license costs $130 and lasts two years. Renewal is $80, due in your birth month every other year, with no continuing education required.