Revise with instant feedback: the moment you pick an answer you see whether it was right, with the written, source-cited explanation. Untimed — ideal before you sit a mock exam. Questions you miss keep coming back until you know them.
Exam-day conditions: no feedback until you submit, each module scored separately like the real test, with a full question-by-question review at the end.
Each module is scored separately here so you know exactly where you stand. To pass the real New Jersey exam you need 70%.
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
New Jersey licenses Property & Casualty producers through PSI, requiring 70% to pass. This bank covers the national property & casualty material plus New Jersey law - choice no-fault auto (the Standard vs. Basic policy, the current 35/70/25 minimum limits and the verbal-threshold tort options), property and homeowners (the standard fire policy, the FAIR Plan and PLIGA), and workers' compensation (the 70%-of-wage benefit and the Second Injury Fund).
You need 70%. Revise each module to that level in Revision Mode, then run the full exam simulation in Exam Mode before your test date.
No vendor publishes the live exam. Every question here is original, written to the official content outline and grounded in public-domain sources — including the New Jersey statutes (Titles 17, 39 and 34) for the state-law questions, with the statute section cited in each explanation.
The full New Jersey bank contains 1023 questions (general insurance plus New Jersey law), with written, source-cited 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, so you can practise wherever you are. 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.
Under the law of agency, the acts of the producer (agent) are generally considered to be the acts of the:
Why: An agent represents the insurer; under the law of agency, the agent's actions within authority are treated as those of the insurer (principal).
Shareholders sue a corporation's board alleging mismanagement caused a stock drop. Which policy responds?
Why: Claims against directors and officers for wrongful management acts are handled by D&O liability insurance.
Under N.J.S.A. 17:30A-5, PLIGA covered claims are limited to insurers that become insolvent after what date?
Why: Section 5 provides the covered-claim definition applies 'if such insurer becomes an insolvent insurer after January 1, 1974.'
Under the PAP, fire damage to the covered auto while parked in a garage is covered under:
Why: Fire is a peril insured under Other Than Collision (comprehensive) coverage in Part D.
Regarding the producer licensing examination, N.J.S.A. 17:22A-31 requires that:
Why: N.J.S.A. 17:22A-31(e) requires the Commissioner to ensure the examination and registration materials are offered in English and Spanish; the exam fee is nonrefundable.
A homeowner's fire loss is denied. Under the Standard Fire Policy suit-limitation clause, the homeowner waits 14 months and then sues. The likely result is:
Why: The Standard Fire Policy requires suit within 12 months after inception of the loss; a suit filed after that period is contractually time-barred.
Under the New Jersey scheduled-loss table, loss of a leg is worth how many weeks of compensation?
Why: N.J.S.A. 34:15-12(c) lists the leg at 315 weeks, distinct from the arm (330 weeks) and the foot (250 weeks).
How does the New Jersey Act define "business entity" for licensing purposes?
Why: N.J.S.A. 17:22A-28 defines "business entity" as a corporation, association, partnership, limited liability company, limited liability partnership, or other legal entity.
A customer slips on a wet floor in the insured's store and is hurt. This is most clearly a claim under:
Why: A slip-and-fall on the insured's premises is a Coverage A bodily injury (premises and operations) claim.
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.
For an injury to be compensable under workers' compensation, it generally must arise:
Why: The basic compensability test is that the injury must 'arise out of and in the course of employment' — connected to the work and occurring within the scope of the job.
Under New Jersey's nonresident licensing provision, a nonresident applicant shall receive a nonresident producer license if, among other conditions, the applicant:
Why: N.J.S.A. 17:22A-34(a) grants a nonresident license where the applicant is currently licensed and in good standing in his home state, submits the proper request and fees, provides the home-state application or uniform application, and the home state awards reciprocal licenses to New Jersey residents.
The Homeowners loss settlement (coinsurance) provision generally requires the dwelling to be insured to at least what percentage of replacement cost to receive full replacement-cost settlement on a partial loss?
Why: The replacement-cost loss settlement condition requires the dwelling to be insured to at least 80% of full replacement cost at the time of loss.
Under N.J.S.A. 17:22A-37, a temporary producer license shall not continue after:
Why: N.J.S.A. 17:22A-37(b) provides that a temporary license shall not continue after the owner or personal representative disposes of the insurance producer's business; the Commissioner may also revoke it if insureds or the public are endangered.
In property insurance, the insured generally may NOT abandon damaged property to the insurer because:
Why: Most property policies state the insured cannot abandon property to the insurer; the insurer is not required to accept it.
The DP-3 (Special Form) insures the dwelling and other structures on what basis?
Why: DP-3 provides open-perils (special form) coverage on the dwelling and other structures, covering all causes of loss except those specifically excluded.
In the Homeowners policy, the term 'insured location' generally includes all of the following EXCEPT:
Why: Insured location includes the residence premises, newly acquired residences, vacant land, and certain other personal-use premises, but not a separately rented commercial property.
If a claims-made insured switches carriers and the new policy uses the same retroactive date, the insured generally:
Why: Keeping the same retroactive date with the new carrier preserves continuity, so a tail on the expiring policy is typically unnecessary.
A risk purchasing group (RPG) differs from a risk retention group in that the RPG:
Why: A risk purchasing group does not assume risk itself; its members band together to buy liability coverage as a group from a traditional insurer.
Under the Unfair Trade Practices Act, the term 'Person' is defined to include which of the following?
Why: Section 17:29B-2(a) defines 'Person' broadly to mean any individual, corporation, association, partnership and other legal entity engaged in the business of insurance, expressly including agents, brokers and adjusters.
Because an insurance policy is a contract of adhesion, any ambiguity in its wording is generally:
Why: Since the insurer drafts the contract, ambiguities are construed against the drafter and in favor of the insured.
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.
A New Jersey verbal-threshold plaintiff's physician certification of injury must be supported by what?
Why: The certification must be based on and refer to objective clinical evidence, which may include medical testing performed in accordance with the statutory protocols and not dependent entirely on subjective patient response.
An employer with a poor loss history cannot find a private insurer willing to write its workers' compensation voluntarily. Where would this employer most likely obtain coverage?
Why: Employers unable to obtain WC in the voluntary market are placed in the assigned-risk or residual market plan, which guarantees availability of mandatory coverage.
For a non-scheduled (partial permanent) disability determined as a percentage of total, the duration of compensation in New Jersey is a corresponding portion of how many weeks?
Why: N.J.S.A. 34:15-12(c), paragraph 22, provides that where disability is determined as a percentage of total and permanent disability, the duration is a corresponding portion of 600 weeks.
In insurance, exposure refers to:
Why: Exposure is a condition presenting a possibility of loss; it may or may not result in an actual loss.
A risk retention group (RRG) is:
Why: Authorized under the federal Liability Risk Retention Act, an RRG is a member-owned insurer that writes liability coverage for its members engaged in similar or related businesses.
After the initial 60-day new-business period has passed, a New Jersey insurer's mid-term cancellation of an auto policy is limited to which grounds?
Why: Once the 60-day window closes, cancellation is permitted only for nonpayment of premium, driver's license or registration suspension/revocation, or knowingly providing materially false or misleading information.
Actual cash value (ACV) is most commonly calculated as:
Why: ACV is typically replacement cost at the time of loss minus depreciation for age, wear, and obsolescence.
Which of the following is typically a FIRST-PARTY coverage under a cyber policy?
Why: First-party cyber coverages reimburse the insured's own costs, such as breach notification, forensics, and data restoration.