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 Ohio 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
Ohio licenses Property & Casualty producers through PSI, requiring 70% to pass. This bank covers the national property & casualty material plus Ohio law - auto, property and homeowners (including the Valued Policy Law), and workers' compensation (Ohio's monopolistic state-fund system).
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 Ohio Revised Code for the state-law questions, with the statute section cited in each explanation.
The full Ohio bank contains 994 questions (general insurance plus Ohio 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.
Liberalization is a policy condition that:
Why: The liberalization clause provides that if the insurer broadens coverage without additional premium during the policy period, the broadened coverage applies automatically to the existing policy.
Under ORC §3955.01, a claim due under a policy issued to a large insured is excluded when the insured's net worth exceeds what threshold on the last day of its fiscal year preceding insolvency?
Why: §3955.01(D)(2)(h) excludes claims due under a policy issued to an insured whose net worth exceeds fifty million dollars on the last day of its fiscal year preceding the insurer's insolvency.
At least how far in advance must the superintendent send a renewal notice to a resident agent licensee?
Why: § 3905.06(C)(1) states the superintendent shall send a renewal notice at least one month prior to the renewal date.
Loss of use (transportation expenses) coverage in the PAP for a theft loss typically begins:
Why: For a theft of the covered auto, transportation expense coverage typically begins a set number of hours (e.g., 48) after the theft is reported.
Every Ohio automobile insurance policy must be issued for a period of, or guaranteed renewable for successive periods totaling, at least how long?
Why: ORC §3937.31(A) requires a policy period of not less than one year or guaranteed renewability for successive periods totaling not less than one year.
The CGL contractual liability exclusion contains an important exception for:
Why: Liability assumed under an 'insured contract' (and liability that would exist absent the contract) is excepted from the contractual liability exclusion, so it remains covered.
Which statement best describes how an Ohio employer obtains workers' compensation coverage?
Why: Ohio is a monopolistic state-fund jurisdiction: under ORC 4123.35 employers pay premiums into the state insurance fund (administered by the BWC) or, if qualified, self-insure. Private carriers may not write Ohio workers' compensation.
Under § 3901.25, after the § 3901.24 notice is given, how long must the insurer fail to cease its false misrepresentations before the superintendent takes action under sections 3901.19 to 3901.26?
Why: Section 3901.25 provides that if after thirty days following the notice the insurer has failed to cease the misrepresentations, and other conditions are met, the superintendent shall take action under sections 3901.19 to 3901.26.
Under ORC §3955.08, member insurers must be notified of a guaranty association assessment at least how many days before it is due?
Why: §3955.08(A)(3) requires each member insurer to be notified of the assessment not later than thirty days before it is due.
For an OCCUPATIONAL DISEASE claim, ORC 4123.85 bars the claim unless application is made within one year after which event?
Why: ORC 4123.85 bars occupational-disease claims unless filed within one year after the disability began (or within a limited period after diagnosis), or within one year after death.
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.
Under ORC 2745.01, deliberately removing an equipment safety guard creates what, if an injury results?
Why: ORC 2745.01(C) provides that deliberate removal of an equipment safety guard (or deliberate misrepresentation of a hazardous substance) creates a rebuttable presumption of intent to injure if injury results.
Which perils does the Broad Causes of Loss form ADD beyond the Basic form?
Why: The Broad form adds falling objects; weight of snow, ice, or sleet; water damage; and includes a limited collapse provision.
After a license is suspended for nonrenewal, within what period may the individual apply for reinstatement?
Why: § 3905.06(E) allows reinstatement within the twelve-month period following the date by which the license should have been renewed.
A document attached to a policy that adds, deletes, or modifies coverage is called an:
Why: An endorsement (or rider) is a written amendment that changes the terms of the base policy.
Personal property is covered worldwide under a Homeowners policy, but property usually at another residence is limited to:
Why: Personal property usually kept at a residence other than the insured location is limited to the greater of 10% of Coverage C or $1,000.
Self-insurance is best defined as:
Why: Self-insurance is a risk-retention technique in which an organization budgets and funds its own losses internally instead of transferring the risk to an insurer.
"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.
A nonresident who is licensed as a surplus lines producer in the producer's home state shall receive what in Ohio under § 3905.07?
Why: § 3905.07(H) provides that such a nonresident shall receive a nonresident surplus lines broker license.
After how many weeks of temporary total disability may the BWC schedule the claimant for an evaluation to determine whether the disability has become permanent?
Why: ORC 4123.56(A) provides that after 200 weeks of TT benefits the BWC may schedule an examination to evaluate whether the disability has become permanent.
Under § 3901.213(D)(1), a value-added product or service offered at no or reduced cost must, among other things, be primarily designed to do one or more enumerated things. Which is one of them?
Why: Section 3901.213(D)(1)(c) lists permissible purposes including providing loss mitigation or loss control, reducing claim costs, education about risk, monitoring risk, enhancing health or financial wellness, post-loss services, and incentivizing behavioral change.
Under ORC §3937.31, do the cancellation and nonrenewal restrictions prohibit lawful premium surcharges or other lawful changes in premium?
Why: §3937.31(B)(2) provides the sections do not prohibit lawful surcharges, adjustments, or other changes in premium.
An insured increases jewelry coverage by scheduling items. Scheduled items differ from blanket Coverage C because they:
Why: Scheduled personal property is individually listed and valued, generally insured on a broader open-peril basis, often with no deductible and above Coverage C sublimits.
Under the GLBA privacy rule, an insurer that intends to share a customer's nonpublic personal financial information with a nonaffiliated third party generally must first:
Why: GLBA requires insurers to deliver a privacy notice and, before sharing nonpublic personal information with nonaffiliated third parties, give the consumer a chance to opt out.
Under § 3905.14, when may the superintendent issue a cease-and-desist order, and when must the hearing be set?
Why: § 3905.14(H) allows a cease-and-desist order where a violation causes substantial and material harm, with a hearing set not more than fifteen days after the order.
A client asks for flood coverage; the producer forgets to bind it, and a flood later destroys the home. This situation most directly creates exposure under:
Why: Failing to obtain requested coverage is a classic errors and omissions claim against the producer.
The premium basis for workers' compensation insurance is generally expressed as a rate applied to:
Why: WC premium is calculated using rates per $100 of payroll for each job classification, then adjusted by other factors.
A farmer wants protection against widespread yield loss from drought across an entire growing season. The most appropriate coverage is:
Why: MPCI covers broad yield losses from many natural perils, including drought, making it the appropriate choice over narrow crop-hail coverage.
Under the PAP, coverage for an auto used in the business of selling, repairing, or servicing autos (the "auto business" exclusion) is:
Why: The PAP excludes liability for any insured maintaining or using vehicles in the auto business (e.g., garages, sales) for non-owned autos; such exposure belongs on a garage/dealers policy.
Under Ohio Rev. Code § 3905.06, the 'casualty' line of authority provides insurance coverage primarily against what?
Why: § 3905.06(B)(4) defines 'casualty' as coverage against legal liability, including death, injury, disability, or damage to property.