Casualty — Information & Free Practice

US-IA · Examination information

153 free questions · Answer explanations · No signup required

Start free practice →

Casualty

Provider: Pearson VUE
Format: Multiple choice; one examination with general and Iowa-specific portions
Exam questions: 83 scored questions and 10 pretest questions
Time limit: 2 hours
Exam fee: $44

Examination outline

General knowledge — I. TYPES OF POLICIES, BONDS, AND RELATED TERMS (23 scored questions)
- A. Commercial general liability
- A. Commercial general liability / 1. Exposures
- A. Commercial general liability / 1. Exposures / 1. Premises and Operations
- A. Commercial general liability / 1. Exposures / 2. Products and Completed Operations
- A. Commercial general liability / 2. Coverage
- A. Commercial general liability / 2. Coverage / a. Coverage A: Bodily Injury and Property Damage Liability (Occurrence, Claims made including Retroactive Date)
- A. Commercial general liability / 2. Coverage / 2. Coverage B: Personal Injury and Advertising Injury
- A. Commercial general liability / 2. Coverage / 3. Coverage C: Medical Payments
- A. Commercial general liability / 2. Coverage / 4. Supplemental Payments
- A. Commercial general liability / 2. Coverage / 5. Who is an insured
- A. Commercial general liability / 2. Coverage / 6. First named insured
- A. Commercial general liability / 2. Coverage / 7. Limits (Per occurrence, Annual Aggregate)
- A. Commercial general liability / 2. Coverage / 8. Damage to Property of Others
- B. Automobile: personal auto and business auto
- B. Automobile: personal auto and business auto / 1. Liability
- B. Automobile: personal auto and business auto / 1. Liability / 1. Bodily Injury
- B. Automobile: personal auto and business auto / 1. Liability / 2. Property Damage
- B. Automobile: personal auto and business auto / 1. Liability / 3. Split Limits
- B. Automobile: personal auto and business auto / 1. Liability / 4. Combined Single Limit
- B. Automobile: personal auto and business auto / 2. Medical Payments
- B. Automobile: personal auto and business auto / 3. Physical Damage (collision; other than collision; specified perils)
- B. Automobile: personal auto and business auto / 4. Uninsured motorists
- B. Automobile: personal auto and business auto / 5. Underinsured motorists
- B. Automobile: personal auto and business auto / 6. Who is an insured
- B. Automobile: personal auto and business auto / 7. Types of Auto
- B. Automobile: personal auto and business auto / 7. Types of Auto / 1. Owned
- B. Automobile: personal auto and business auto / 7. Types of Auto / 2. Non-owned
- B. Automobile: personal auto and business auto / 7. Types of Auto / 3. Hired
- B. Automobile: personal auto and business auto / 7. Types of Auto / 4. Temporary Substitute
- B. Automobile: personal auto and business auto / 7. Types of Auto / 5. Newly Acquired Autos
- B. Automobile: personal auto and business auto / 7. Types of Auto / 6. Transportation Expense and Rental Reimbursement Expense
- B. Automobile: personal auto and business auto / 8. Auto Dealers Coverage Form, including Garagekeepers Insurance
- B. Automobile: personal auto and business auto / 9. Exclusions
- B. Automobile: personal auto and business auto / 10. Individual Insured and Drive Other Car (DOC)
- B. Automobile: personal auto and business auto / 11. Mobile equipment
- C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.)
- C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.) / 1. Standard policy concepts
- C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.) / 1. Standard policy concepts / 1. Who is an employee/employer
- C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.) / 1. Standard policy concepts / 2. Compensation
- C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.) / 2. Work-related vs. non-work-related
- C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.) / 3. Other states’ insurance
- C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.) / 4. Employers Liability
- C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.) / 5. Exclusive remedy
- C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.) / 6. Premium Determination
- D. Crime
- D. Crime / 1. Employee Dishonesty
- D. Crime / 2. Theft
- D. Crime / 3. Robbery
- D. Crime / 4. Burglary
- D. Crime / 5. Forgery and Alteration
- D. Crime / 6. Mysterious disappearance
- E. Bonds
- E. Bonds / 1. Surety
- E. Bonds / 2. Fidelity
- F. Professional liability
- F. Professional liability / 1. Errors and Omissions
- F. Professional liability / 2. Medical Malpractice
- F. Professional liability / 3. Directors and Officers (D&O)
- F. Professional liability / 4. Employment Practices Liability (EPLI)
- F. Professional liability / 5. Cyber liability and data breach, funds transfer
- F. Professional liability / 6. Liquor liability
- G. Umbrella/Excess Liability
- H. Businessowners Policy (BOP)
General knowledge — II. INSURANCE TERMS AND RELATED CONCEPTS (15 scored questions)
- A. Risk
- B. Hazards
- B. Hazards / 1. Moral
- B. Hazards / 2. Morale
- B. Hazards / 3. Physical
- C. Indemnity
- D. Insurable interest
- E. Loss valuation
- E. Loss valuation / 1. Actual cash value
- E. Loss valuation / 2. Replacement cost
- E. Loss valuation / 3. Market value
- E. Loss valuation / 4. Stated/agreed value
- E. Loss valuation / 5. Salvage value
- F. Negligence
- G. Liability
- H. Occurrence
- I. Binders
- J. Warranties
- K. Representations
- L. Concealment
- M. Deposit Premium/Audit
- N. Certificate of Insurance
- O. Law of Large Numbers
- P. Pure vs. Speculative Risk
- Q. Endorsements
- R. Damages
- R. Damages / 1. Compensatory
- R. Damages / 1. Compensatory / 1. General
- R. Damages / 1. Compensatory / 2. Special
- R. Damages / 2. Punitive
- S. Compliance with provisions of Fair Credit Reporting Act
General knowledge — III. POLICY PROVISIONS (12 scored questions)
- A. Declarations
- B. Insuring agreement
- C. Conditions
- D. Exclusions and Limitations
- E. Definition of the insured
- F. Duties of the insured after a loss
- G. Cancellation and nonrenewal provisions
- H. Supplementary payments
- I. Proof of loss
- J. Notice of claim
- K. Other insurance
- L. Subrogation
- M. Loss settlement provisions including consent to settle a loss
- N. Terrorism Risk Insurance Act (TRIA)
Iowa specific — I. IOWA LAWS, RULES, AND REGULATIONS COMMON TO ALL LINES (25 scored questions)
- A. Insurance Commissioner/Division
- A. Insurance Commissioner/Division / 1. Broad powers and duties
- A. Insurance Commissioner/Division / 2. Examination of records
- A. Insurance Commissioner/Division / 3. Hearings
- A. Insurance Commissioner/Division / 4. Penalties
- A. Insurance Commissioner/Division / 5. Cease and desist
- B. Licensing
- B. Licensing / 1. Applications
- B. Licensing / 2. Change of address
- B. Licensing / 3. Licensing examinations
- B. Licensing / 4. Resident/nonresident
- B. Licensing / 5. Temporary license
- B. Licensing / 6. Exemptions
- B. Licensing / 7. Denial, renewal, termination of licenses
- B. Licensing / 8. Commissions and referral fees
- B. Licensing / 9. Company appointments
- B. Licensing / 10. Continuing education
- C. Unfair and Deceptive Practices
- C. Unfair and Deceptive Practices / 1. Unfair discrimination
- C. Unfair and Deceptive Practices / 2. Misrepresentation
- C. Unfair and Deceptive Practices / 3. Rebating
- C. Unfair and Deceptive Practices / 4. False information and advertising
- C. Unfair and Deceptive Practices / 5. Claims settlement
- C. Unfair and Deceptive Practices / 6. Defamation
- C. Unfair and Deceptive Practices / 7. Boycott, coercion and intimidation
- D. Iowa Insurance Fraud Act
- E. Producer Responsibilities
- E. Producer Responsibilities / 1. Prohibited Acts
- E. Producer Responsibilities / 2. Use of credit information**
- E. Producer Responsibilities / 2. Use of credit information** / a. Notification
- E. Producer Responsibilities / 2. Use of credit information** / b. Adverse action
- F. Guaranty Association
- G. Definitions
- G. Definitions / 1. Domestic, foreign, alien
- G. Definitions / 3. Certificate of Authority
- H. Surplus**
- I. Insurance Notices and Documents - Electronic Delivery
Iowa specific — II. IOWA LAWS, RULES, AND REGULATIONS PERTINENT TO CASUALTY INSURANCE (8 scored questions)
- A. Iowa Automobile Insurance Plan (Assigned Risk)
- B. Private-passenger automobile insurance
- B. Private-passenger automobile insurance / 1. Uninsured/Underinsured motorists coverage
- B. Private-passenger automobile insurance / 1. Uninsured/Underinsured motorists coverage / 1. Rejection by the insured
- B. Private-passenger automobile insurance / 2. Proof of financial responsibility
- B. Private-passenger automobile insurance / 3. Cancellation and nonrenewal
- C. Transportation Network Companies (ride-sharing services)
- D. Workers’ Compensation
- D. Workers’ Compensation / 1. Definitions
- D. Workers’ Compensation / 2. Covered employment
- D. Workers’ Compensation / 3. Benefits provided
- D. Workers’ Compensation / 4. Covered injuries
- D. Workers’ Compensation / 5. Occupational disease
- E. Rate standards

Examination sources

Iowa Insurance Candidate Handbook; supplement effective January 1, 2026
S6–S8, general content outline heading
Iowa Insurance Candidate Handbook; supplement effective January 1, 2026
S6–S8, Iowa-specific content outline heading
Iowa Insurance Candidate Handbook; supplement effective January 1, 2026
Supplement footer, S6–S8, effective date
Iowa Insurance Candidate Handbook; supplement effective January 1, 2026
S6–S8, applicability footnote
Iowa Insurance Candidate Handbook; supplement effective January 1, 2026
Page 9, About the Exam, format
Iowa Insurance Candidate Handbook; supplement effective January 1, 2026
Page 9, About the Exam, scoring
Iowa Insurance Candidate Handbook; supplement effective January 1, 2026
Page 5, Available Exams and Fees, 12-IA-04
Iowa Insurance Candidate Handbook; supplement effective January 1, 2026
Page 10, Score Reporting

Related license preparation

This examination may be required or accepted as an alternative, depending on the license and application pathway.

Business Entity Insurance Producer License; nonresident limited lines insurance producer license; Temporary Insurance Producer License; Vehicle Rental Limited License; Vehicle Rental Counter Employee Limited License