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 Pennsylvania 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
Pennsylvania licenses Property & Casualty producers through PSI (the Series 16-06 exam): 150 scored questions, 170 minutes, and 70% to pass. This bank covers the national property & casualty material plus Pennsylvania law - auto (the Motor Vehicle Financial Responsibility Law and full/limited tort), property and homeowners, and workers' compensation.
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 Pennsylvania statutes (75 Pa. C.S., 77 P.S., 40 P.S.) for the state-law questions, with the statute section cited in each explanation.
The full Pennsylvania bank contains 1041 questions (general insurance plus Pennsylvania 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.
A statement that is guaranteed to be true and becomes part of the contract is a:
Why: A warranty is a statement that is guaranteed true and becomes part of the policy; its breach can void coverage.
The FAIR Plan Act is particularly aimed at stabilizing the property insurance market for property located in what type of area?
Why: 40 P.S. §1600.102(1) states the purpose of encouraging stability in the property insurance market for property located in urban areas of the Commonwealth.
A provision allowing the insured to transfer policy rights and duties to another party, generally only with insurer consent, is the:
Why: The assignment clause requires the insurer's written consent before the insured can transfer the policy to another party.
When an employer is held responsible for the negligent acts of an employee committed within the scope of employment, this is:
Why: Vicarious liability holds one party (e.g., an employer) responsible for the actions of another (e.g., an employee acting within the scope of employment).
Binders or temporary contracts for fire insurance in Pennsylvania may be made orally or in writing for a period not exceeding how many days?
Why: 40 P.S. §636(5)(d) permits binders for temporary insurance, oral or written, for a period not exceeding thirty days.
An 'impairment rating' in workers' compensation is used primarily to:
Why: An impairment rating, often expressed as a percentage, measures the extent of permanent physical impairment and is used to determine permanent disability benefits.
Because insurance contracts are drafted by the insurer and the insured must accept them as written, they are characterized as contracts of:
Why: A contract of adhesion is prepared by one party, the insurer, and offered on a take-it-or-leave-it basis; ambiguities are construed against the drafter.
An individual currently licensed as a resident producer in another state applies in Pennsylvania for the equivalent lines. What does Section 310.10 require the individual to submit?
Why: Section 310.10(a)(1) requires the individual to submit a completed (or updated home state) application indicating the desired lines, proof of the current home state license, and the required license fee.
The Information Page of the Workers Compensation policy is most analogous to which component of other commercial policies?
Why: The Information Page functions like a declarations page, showing the insured, policy period, listed states, classifications, premium basis, and limits for Part Two.
Garage coverage (now largely the Auto Dealers Coverage Form) is designed for:
Why: Garage/Auto Dealers coverage addresses the unique liability and physical damage exposures of dealers, repair shops, and service stations, including dealers' inventory.
Under the standard fire policy 'Pro rata liability' provision, when other insurance covers the same property against the peril involved, the company is liable only for:
Why: 40 P.S. §636 provides the company is not liable for a greater proportion of any loss than its amount of insurance bears to the whole insurance covering the property against the peril, whether collectible or not.
An insurer must make first-party MEDICAL benefits available for purchase up to at least what limit under §1715?
Why: Section 1715 requires medical benefits be made available for purchase up to at least $100,000.
Under the FCRA, a consumer who is the subject of an adverse action based on a consumer report has the right to:
Why: The FCRA gives consumers the right to a free copy of the report that led to an adverse action and the right to dispute inaccurate or incomplete information.
A producer license is described in Section 310.7 as having which characteristic?
Why: Section 310.7(3) states the producer license is nontransferable; it may be issued in paper or electronic form and in one or more lines of authority.
A farmowners-ranchowners policy is best described as a package that combines:
Why: The farmowners-ranchowners policy is a package combining homeowners-type property and liability coverage with coverage for farm structures, equipment, and operations.
Which of the following is true about how WC indemnity benefits interact with maximum and minimum limits?
Why: Indemnity benefits are generally a percentage of average weekly wage but capped by a statutory maximum and floored by a minimum, often tied to the statewide average weekly wage.
Knowingly filing with a supervisory official a false material statement of fact as to a person's financial condition, or knowingly making a false entry of a material fact in a book or report, is prohibited as what?
Why: Section 1171.5(a)(5) prohibits knowingly filing or making false material statements as to financial condition, knowingly making a false entry of a material fact in any book/report/statement, or knowingly omitting a true entry of a material fact.
The Gramm-Leach-Bliley Act (GLBA) requires financial institutions, including insurers, to:
Why: GLBA's privacy provisions require notice of information-sharing practices and, in many cases, allow consumers to opt out of having their nonpublic personal financial information shared with nonaffiliated third parties.
A producer who handles premium funds belonging to the insurer and the insured holds those funds in a:
Why: A producer holding others' money, such as premiums, acts in a fiduciary capacity and must handle those funds with trust and care.
A retail employee sues the company for sexual harassment and wrongful termination. Which policy is designed to respond?
Why: Harassment and wrongful termination are employment practices claims handled by EPLI, not the CGL.
Which exclusion applies under PAP Part A — Liability?
Why: Part A excludes property owned by, rented to, used by, or in the care of the insured, which is why the insured's own/handled property is not covered.
Under the standard fire policy 'Concealment, fraud' provision, the entire policy is void if the insured willfully conceals or misrepresents a material fact:
Why: 40 P.S. §636 voids the entire policy for willful concealment or misrepresentation of a material fact, whether before or after a loss.
The Accounts Receivable floater covers loss resulting from:
Why: Accounts Receivable coverage pays for sums the insured cannot collect because receivable records were lost or destroyed by a covered cause of loss, plus extra collection and reconstruction costs.
A producer moves and gets a new phone number and email. Within what time must the producer notify the department of these changes?
Why: Section 310.11(19) makes it a prohibited act to fail to notify the department of a change of address, telephone number and email address within 30 days.
A stock insurer is owned by its:
Why: A stock insurer is owned by stockholders, who supply capital and receive dividends; policyholders are not owners.
Personal watercraft, such as jet skis, are typically:
Why: Homeowners forms severely limit or exclude watercraft liability and physical damage, so personal watercraft are best covered by a separate watercraft policy.
When a named insured dies, Pennsylvania law requires that basic property insurance be continued for how long after the death (or until sale of the property, whichever is first), provided premiums are paid?
Why: 40 P.S. §636.1(a) continues basic property insurance for 180 days after the named insured's death or until sale of the property, whichever occurs first, if premiums are paid.
A hazard is best defined as:
Why: A hazard is a condition that increases the chance that a peril will occur or the severity of a resulting loss.
A civilian working for a U.S. defense contractor on a military base overseas is injured. Which act most likely provides workers' compensation coverage?
Why: The Defense Base Act extends LHWCA-style workers' compensation benefits to civilian employees of U.S. government contractors working on overseas military bases and similar locations.
In a surety bond, the company that guarantees the principal's performance is the:
Why: The surety is the entity guaranteeing that the principal will fulfill its obligation to the obligee.