Surplus Line Broker License in Rhode Island
Quick Answer
To become an insurance agent in Rhode Island, you must complete pre-licensing education, pass the state exam, and pay approximately $250 in total fees. Despite its small size, Rhode Island's coastal exposure and dense population create strong demand for property and flood insurance.
- Education Required
- 40 hours
- Exam
- Rhode Island Insurance Producer Exam (Prometric)
- Total Cost
- $250 (est.)
- Timeline
- 4-8 weeks
- Background Check
- Required
- Renewal
- Every 2 years
Requirements
Surplus Line Broker license in Rhode Island
Estimated Costs Est.
- Application Fee
- $60
- Exam Fee
- $55
- Renewal Fee
- $60
- Total Estimated Cost
- $250
Cost Breakdown
Estimated costs for getting your Surplus Line Broker license in Rhode Island. Values marked "Est." are extracted from official descriptions.
Enter the cost of your pre-licensing education program
Fees marked "Est." are extracted from official descriptions and may not reflect current pricing. Verify with the Rhode Island licensing board.
Surplus Line Broker Salary in Rhode Island
Entry Level
$44,470
Median
$74,360
Experienced
$132,240
Source: Bureau of Labor Statistics. Salary data is for informational purposes only.
How to Get Licensed
Step-by-step roadmap to becoming a licensed Surplus Line Broker in Rhode Island.
- 1
Complete Education Requirements
No educational requirements
- 2
Submit Background Check
Felony convictions prohibited
- 3
Pass the Required Exam
State exam required — Rhode Island Insurance Producer Exam (Prometric)
- 4
Submit Your Application
File your application with the licensing agency. Application fee: ~$60.
- 5
Receive Your License
Processing typically takes 4-8 weeks.
Surplus Line Broker Licensing in Rhode Island: What to Know
Rhode Island licenses insurance professionals as Insurance Producers through the Rhode Island Department of Business Regulation, Insurance Division. Despite being the smallest state by area, Rhode Island has a concentrated insurance market driven by its dense population, proximity to Boston and New York, and coastal exposure. The state's extensive Narragansett Bay coastline and Atlantic Ocean frontage create significant demand for flood, wind, and coastal property insurance. Rhode Island was heavily impacted by the 2010 flooding events, which highlighted the importance of flood coverage in the state. Pre-licensing education requires approximately 40 hours per major line of authority. Rhode Island requires criminal background checks. The state's economy includes a mix of healthcare, education, defense, and tourism industries that create diverse commercial insurance needs. Providence is the primary insurance market center, though many agents serve cross-border clients in Connecticut and Massachusetts. Continuing education is 24 hours biennially, including 3 hours of ethics. Rhode Island participates in NIPR for non-resident licensing.
Frequently Asked Questions
- How much does a Surplus Line Broker license cost in Rhode Island?
- The estimated total cost is $250, including application fees, exam fees ($55), and education costs.
- How long does it take to get a Surplus Line Broker license in Rhode Island?
- The process typically takes 4-8 weeks, depending on education completion and exam scheduling.
- What exam do I need for a Surplus Line Broker license in Rhode Island?
- You need to pass the Rhode Island Insurance Producer Exam (Prometric). State exam required
Considering another state?
Compare Surplus Line Broker requirements across states.
View all states →Data from CareerOneStop (DOLETA/DEED). Last updated: February 14, 2026.