Each module is scored separately so you know exactly where you stand. The general section is the bulk of every state exam; most states require about 70% to pass.
The free sample gives you about 20 questions per module. The full bank contains every question — general insurance plus state law — with written, statute-cited explanations. $49, one time, lifetime access on up to 3 devices — every state and line we add later included.
✓ One purchase, use it on up to 3 of your devices · no subscription · no account needed
It covers the national, general-knowledge portion shared by every U.S. state's Property & Casualty producer exam - property, casualty, auto, homeowners, commercial lines, workers' compensation and federal regulation. It is the bulk of the exam and is ideal before you add your state's law section.
It covers the national portion, not your state's insurance-law section. Every state P&C exam also has a state-specific part. As we add dedicated state P&C exams, use yours for full coverage; until then this gives you a strong head start on the majority of the material.
Most states require about 70%. Practise each module to that level and run the full exam simulation before your test date.
No vendor publishes the live exam. Every question is original, written to the standard national P&C content outline and the standard ISO policy forms, with a plain-English explanation.
The full general P&C bank contains 708 questions across all the core property and casualty topics, with written explanations. The free sample gives you about 20 questions per module.
$49, one time, for lifetime access - and it includes every state and line we add later, at no extra charge. No subscription.
Yes. One purchase works on up to 3 of your devices, for example your laptop, phone and tablet. Your progress is saved on each device.
No. The practice tests run in your browser with no signup. Your score history is saved on your own device.
A selection of free questions with answers and explanations. Use the interactive modules above for timed, scored drills.
The maximum NFIP contents coverage available to a residential policyholder is:
Why: Residential contents coverage under the NFIP is capped at $100,000, separate from the building limit.
An 'additional insured' endorsement on a CGL is most commonly used to:
Why: Additional insured endorsements extend coverage to specified third parties (landlords, GCs, owners) for liability connected to the named insured's operations.
Under the PAP, a trailer owned by the named insured is:
Why: Owned trailers are included as covered autos for liability; physical damage on a trailer generally requires it to be scheduled.
Under 'contribution by equal shares,' insurers covering the same loss pay:
Why: Each insurer contributes equal amounts until the smallest applicable limit is used up; remaining insurers continue contributing equally.
Builders Risk coverage is designed to insure:
Why: Builders Risk insures buildings or structures while under construction, including materials and supplies intended to become part of the structure.
Under the PAP, intentional bodily injury or property damage caused by an insured is:
Why: Part A excludes injury or damage caused intentionally by or at the direction of an insured.
Under the Business Auto Coverage Form, the covered "auto" definition generally includes:
Why: A covered auto is a land motor vehicle, trailer, or semitrailer designed for travel on public roads, including attached machinery, but not most mobile equipment.
In a monopolistic state fund jurisdiction, employers must generally obtain workers' compensation coverage from:
Why: In monopolistic fund states, the state fund is the sole source of WC coverage and private insurers may not write it; employers must buy from the state fund.
Under TRIA, federal sharing of terrorism losses is triggered only for a 'certified act of terrorism,' which is certified by:
Why: A terrorism event must be certified by the Secretary of the Treasury, in consultation with designated officials, before TRIA's loss-sharing applies.
Business Income coverage is designed primarily to cover:
Why: Business Income covers the actual loss of net income plus continuing normal operating expenses (including payroll) during the period of restoration after a covered loss.
Most Professional Liability/E&O and D&O policies are written on what kind of trigger?
Why: Professional and management liability lines are typically claims-made, with a retroactive date and ERP options.
For a renter (HO-4), which Section I coverage is the primary coverage?
Why: For tenants, Coverage C — Personal Property is the centerpiece of Section I, since the renter does not own the building.
A producer who recommends a product the client does not need solely to earn a larger commission has most clearly breached the duty of:
Why: Recommending unsuitable products for the producer's own gain violates the ethical duties of suitability and fair dealing owed to the client.
Which document in a CPP contains information common to all coverage parts, such as the named insured, policy period, and premium?
Why: The Common Policy Declarations identify the named insured, mailing address, policy period, business description, and the coverage parts that apply.
A personal articles floater (scheduled personal property) is most often classified within which line of insurance?
Why: Floaters covering jewelry, furs, fine arts, and similar items are written as inland marine coverage.
A property worth $500,000 has a 90% coinsurance requirement. The insured carries $360,000 and has a $50,000 loss. Ignoring deductible, the insurer pays:
Why: Required = 90% x $500,000 = $450,000. Did/should = $360,000/$450,000 = 0.80. Payment = 0.80 x $50,000 = $40,000.
The Agreed Value option in commercial property insurance does which of the following?
Why: Agreed Value suspends the coinsurance condition once the insurer and insured agree on a value, eliminating any coinsurance penalty at loss.
The CGL 'Other Insurance' condition typically makes the CGL coverage:
Why: The CGL is generally primary but becomes excess in specified situations (e.g., certain additional-insured or fire scenarios) per the Other Insurance condition.
An insurer wishing to comply with GLBA must provide its initial privacy notice to a customer:
Why: GLBA requires delivery of a privacy notice when the customer relationship is established and, historically, an annual notice describing information-sharing practices.
The PAP towing and labor costs coverage pays for labor:
Why: Towing and labor costs coverage pays towing plus labor, but only labor performed at the place where the vehicle was disabled.
For a property owner to be eligible to purchase NFIP flood insurance, the property must be located in:
Why: NFIP coverage is only available in communities that have agreed to adopt and enforce floodplain management ordinances and thus participate in the program.
Some categories of workers (such as certain domestic, agricultural, or casual employees) may be excluded from mandatory WC coverage but can be covered if the employer chooses. This describes:
Why: Elective or exempt categories are those the law does not require to be covered, but the employer may elect to cover them voluntarily.
"Specified Causes of Loss" physical damage coverage under the BACF differs from Comprehensive in that it:
Why: Specified Causes of Loss is a named-peril coverage (fire, lightning, theft, windstorm, hail, flood, mischief, etc.), narrower and cheaper than comprehensive.
Under the FCRA, an investigative consumer report differs from an ordinary consumer report because it includes:
Why: An investigative consumer report gathers information on a consumer's character, general reputation, and mode of living through personal interviews, triggering additional notice requirements.
An injured worker recovers WC benefits, then sues and recovers from a negligent third party who caused the injury. The WC insurer typically has what right regarding that recovery?
Why: The WC insurer generally has subrogation (lien) rights against a third-party recovery, allowing it to be reimbursed for benefits paid out of the worker's recovery.
Which statement about umbrella defense costs is generally true?
Why: For losses covered by the umbrella but not underlying, the umbrella generally defends after the insured satisfies the SIR.
The Protective Safeguards endorsement on a BOP or commercial property policy generally:
Why: Protective Safeguards conditions coverage on the insured maintaining specified systems such as automatic sprinklers or alarms; failure to maintain them can suspend coverage.
A legal doctrine that reduces a plaintiff's recovery in proportion to their own degree of fault is:
Why: Comparative negligence apportions damages according to each party's percentage of fault rather than barring recovery entirely.
What is the primary purpose of a Commercial Package Policy (CPP)?
Why: A CPP allows two or more coverage parts (e.g., property, general liability, crime) to be combined under a single policy with shared declarations and conditions.
In a reinsurance arrangement, the company that transfers (gives up) part of its risk is called the:
Why: The ceding insurer is the original insurer that cedes a portion of its risk to a reinsurer.