Ask one question about any coverage: does it pay for damage to property, or for legal liability to someone else? The answer tells you which license is needed.
Property broker-agent (Ins. Code §1625(b)): insurance coverage for direct or consequential loss or damage to property of every kind. That includes a building, a jeweler's inventory, and business income lost after a covered fire, because lost income is a consequential property loss.
Casualty broker-agent (Ins. Code §1625(c)): coverage against legal liability. A contractor's liability policy needs a casualty license, not a property license.
Personal lines licensee (Ins. Code §1625.5): a narrower license limited to personal risks:
automobile and noncommercial recreational vehicles
residential property, including earthquake and flood
inland marine on personal property
umbrella or excess liability over underlying auto or residential policies
A bakery's general liability policy is a commercial risk, so a personal lines licensee may not write it; that takes a casualty license.