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Choosing an insurance agent or broker for your auto, home, or business insurance isn’t difficult when you know what to look for: the letters “CPCU” after your insurance provider’s name.

Just as a CPA is your professional tax partner, so too is a CPCU your professional insurance partner. CPCU stands for Chartered Property Casualty Underwriter and is recognized as the premier professional designation of the property and casualty insurance industry.

When you choose a CPCU, you can be sure that you are working with someone who has significant experience and can offer you guidance on all of your insurance decisions. Someone who keeps up to date on issues and coverages and is able to offer you the best protection possible at competitive prices. And someone who agrees to an enforceable code of ethics and pledges to put your interests above his or her own.

Why Choose a CPCU?
Simply put, CPCUs are dedicated to helping consumers make better insurance decisions—and are highly qualified to do so. To earn the credential, CPCUs must pass eight rigorous examinations that focus on key operational, legal, and financial principles of insurance and risk management — knowledge they need to effectively help their customers identify and control their loss exposures as well as finance them through techniques such as insurance. In addition, CPCUs must also have industry experience and abide by an enforceable code of professional ethics. These demanding standards ensure that when you choose a CPCU for your insurance needs, you are choosing someone who not only has your best interests in mind, but someone who has the background and knowledge to prove it.

How Do I Find a CPCU?
There are nearly 28,000 CPCU Society members around the country to help you make sound insurance decisions, from those that work in private agencies to those in major corporations.

To find a CPCU in your community, visit the “Agent/Broker Locator”—a database of CPCUs searchable by location or companies. Or you can contact the CPCU Society at or (800) 932-2728, and select option 4.

Have Confidence in Your Insurance Decisions
As a consumer, making smart choices about property and casualty insurance is crucial. You need answers to your questions about the kind and amount of coverages you need, what’s covered and what’s not, how to read a policy, and how to file claims. One of the best resources you have is your insurance agent or broker—the professional dedicated to providing you with optimal coverages at the most competitive costs.

When your insurance advisor is a CPCU you can be confident that you are dealing with a reputable, educated, and experienced professional. So when it comes to property and casualty insurance advice, look for the “CPCU” letters. It will make your choice easy.