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Maine Property & Casualty Insurance — Requirements & Free Practice

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Insurance Producer — Property and Casualty

Individual insurance producer licensed for property and casualty authority; the two statutory lines may be obtained together or added to an existing license.

Licensing authority: Maine Bureau of Insurance · Application information

Add Casualty authority to an existing Property producer license
Maine Casualty Producer Examination
Age
At least 18 years old (§1420-E(1)(A)).
Application
Submit the uniform application, declare its statements true, correct and complete, pay required fees and satisfy the Superintendent that no denial ground under §1420-K applies.
Appointment
An insurer appointment is required to act as its agent, but the Bureau FAQ says an active affiliation or appointment is not required merely to maintain the license.
Existing Authority
Applicant holds Property authority and seeks Casualty authority; the Casualty Producer examination covers the newly requested line.
Prelicensing Education
§1420-E(1)(C) and §1410(4) are repealed; Chapter 542 §4(D) requires prelicensing education or experience only to the extent required by statute.
Scope
Both Property and Casualty lines are requested. Previously held authority and examination exemptions apply only to the same lines; adding an unheld line requires its appropriate examination.
Score Window
Apply for the license within two years after passing one part or all of the examination; otherwise register and pay for a subsequent examination (§1410(6)).
Add Property authority to an existing Casualty producer license
Property Producer (practice unavailable)
Age
At least 18 years old (§1420-E(1)(A)).
Application
Submit the uniform application, declare its statements true, correct and complete, pay required fees and satisfy the Superintendent that no denial ground under §1420-K applies.
Appointment
An insurer appointment is required to act as its agent, but the Bureau FAQ says an active affiliation or appointment is not required merely to maintain the license.
Existing Authority
Applicant holds Casualty authority and seeks Property authority; the Property Producer examination covers the newly requested line.
Prelicensing Education
§1420-E(1)(C) and §1410(4) are repealed; Chapter 542 §4(D) requires prelicensing education or experience only to the extent required by statute.
Scope
Both Property and Casualty lines are requested. Previously held authority and examination exemptions apply only to the same lines; adding an unheld line requires its appropriate examination.
Score Window
Apply for the license within two years after passing one part or all of the examination; otherwise register and pay for a subsequent examination (§1410(6)).
Ordinary resident licensure following apprenticeship

At least one of the following alternatives:

Age
At least 18 years old (§1420-E(1)(A)).
Application
Submit the uniform application, declare its statements true, correct and complete, pay required fees and satisfy the Superintendent that no denial ground under §1420-K applies.
Appointment
An insurer appointment is required to act as its agent, but the Bureau FAQ says an active affiliation or appointment is not required merely to maintain the license.
Apprenticeship
An apprenticeship is nonrenewable and lasts no more than 180 days; obtain the ordinary license under Chapter 16 before continuing licensed activities after that period.
Prelicensing Education
§1420-E(1)(C) and §1410(4) are repealed; Chapter 542 §4(D) requires prelicensing education or experience only to the extent required by statute.
Scope
Both Property and Casualty lines are requested. Previously held authority and examination exemptions apply only to the same lines; adding an unheld line requires its appropriate examination.
Score Window
Apply for the license within two years after passing one part or all of the examination; otherwise register and pay for a subsequent examination (§1410(6)).
Relicensure with request for continuation or examination waiver

At least one of the following alternatives:

Age
At least 18 years old (§1420-E(1)(A)).
Application
Submit the uniform application, declare its statements true, correct and complete, pay required fees and satisfy the Superintendent that no denial ground under §1420-K applies.
Appointment
An insurer appointment is required to act as its agent, but the Bureau FAQ says an active affiliation or appointment is not required merely to maintain the license.
Prelicensing Education
§1420-E(1)(C) and §1410(4) are repealed; Chapter 542 §4(D) requires prelicensing education or experience only to the extent required by statute.
Scope
Both Property and Casualty lines are requested. Previously held authority and examination exemptions apply only to the same lines; adding an unheld line requires its appropriate examination.
Score Window
Apply for the license within two years after passing one part or all of the examination; otherwise register and pay for a subsequent examination (§1410(6)).
Waiver
Military service or an extenuating circumstance such as long-term medical disability permits requesting a waiver of continuation procedures, examination requirements, fines or sanctions; granting relief is discretionary. Exam leaves remain because a request is not an automatic exemption.
Reinstatement within twelve months of lapse
No examination is required for this applicant pathway.
Compliance
Restore licensing and applicable continuing education compliance; no written examination is necessary.
Time Limit
Reinstate the same individual license within twelve months of lapse.

Official no-examination sources

Effective from 2026-09-22.

Resident relicensure outside lapse or voluntary termination exemption periods

At least one of the following alternatives:

Age
At least 18 years old (§1420-E(1)(A)).
Application
Submit the uniform application, declare its statements true, correct and complete, pay required fees and satisfy the Superintendent that no denial ground under §1420-K applies.
Appointment
An insurer appointment is required to act as its agent, but the Bureau FAQ says an active affiliation or appointment is not required merely to maintain the license.
Exemption Window
The twelve-month lapse reinstatement and two-year qualifying voluntary-termination exemptions no longer apply; reestablish ordinary licensing qualifications unless another statutory exemption applies.
Prelicensing Education
§1420-E(1)(C) and §1410(4) are repealed; Chapter 542 §4(D) requires prelicensing education or experience only to the extent required by statute.
Scope
Both Property and Casualty lines are requested. Previously held authority and examination exemptions apply only to the same lines; adding an unheld line requires its appropriate examination.
Score Window
Apply for the license within two years after passing one part or all of the examination; otherwise register and pay for a subsequent examination (§1410(6)).
Nonresident perpetual license continuation
No examination is required for this applicant pathway.
Status
Nonresident individual producer licenses are perpetual with no expiration date or renewal fees; maintain underlying qualification and reciprocal home-jurisdiction CE compliance.

Official no-examination sources

Effective from 2026-09-22.

Nonresident licensure by reciprocity
No examination is required for this applicant pathway.
Application
Submit the home application or completed uniform application and required fees; §1420-O waives requirements other than §1420-G.
Home License
Currently licensed as a resident in good standing in the home jurisdiction for the requested lines.
Reciprocity
Home jurisdiction grants Maine residents nonresident producer licenses on the same basis.

Official no-examination sources

Effective from 2026-09-22.

Relicensure after revocation

At least one of the following alternatives:

Age
At least 18 years old (§1420-E(1)(A)).
Application
Submit the uniform application, declare its statements true, correct and complete, pay required fees and satisfy the Superintendent that no denial ground under §1420-K applies.
Appointment
An insurer appointment is required to act as its agent, but the Bureau FAQ says an active affiliation or appointment is not required merely to maintain the license.
Ineligibility
A person twice revoked under §1417 or §1420-K cannot again obtain a license under this Title.
Prelicensing Education
§1420-E(1)(C) and §1410(4) are repealed; Chapter 542 §4(D) requires prelicensing education or experience only to the extent required by statute.
Revocation
Wait at least one year after effective revocation, or after a final court order affirming revocation if appealed; reestablish all qualifications and show good cause why revocation should not bar issuance.
Scope
Both Property and Casualty lines are requested. Previously held authority and examination exemptions apply only to the same lines; adding an unheld line requires its appropriate examination.
Score Window
Apply for the license within two years after passing one part or all of the examination; otherwise register and pay for a subsequent examination (§1410(6)).
Resident automatic continuation / renewal
No examination is required for this applicant pathway.
Course Assessments
Chapter 542 allows home-study courses with examinations; these course-specific unnamed assessments are education conditions and do not identify a separate registered licensing examination.
Education
Earn 24 approved continuing education credits per biennium including at least 3 ethics credits; first-biennium requirement is waived if licensed less than one year before the first compliance date.
Renewal
Automatic renewal on the first business day after the CE due date when requirements are met; maintain applicable fees and good standing.

Official no-examination sources

Effective from 2026-09-22.

Resident initial licensure by examination

At least one of the following alternatives:

Age
At least 18 years old (§1420-E(1)(A)).
Application
Submit the uniform application, declare its statements true, correct and complete, pay required fees and satisfy the Superintendent that no denial ground under §1420-K applies.
Appointment
An insurer appointment is required to act as its agent, but the Bureau FAQ says an active affiliation or appointment is not required merely to maintain the license.
Prelicensing Education
§1420-E(1)(C) and §1410(4) are repealed; Chapter 542 §4(D) requires prelicensing education or experience only to the extent required by statute.
Scope
Both Property and Casualty lines are requested. Previously held authority and examination exemptions apply only to the same lines; adding an unheld line requires its appropriate examination.
Score Window
Apply for the license within two years after passing one part or all of the examination; otherwise register and pay for a subsequent examination (§1410(6)).
Resident same line licensure based on qualifying prior license
No examination is required for this applicant pathway.
Application
Submit the Maine uniform application, meet non-examination qualifications and pay fees.
Good Standing
Prior authority certifies good standing at cancellation or the NAIC producer database shows good standing for requested lines.
Prior License
Same lines previously held under a qualifying license; license is current or application received within 90 days of cancellation.

Official no-examination sources

Effective from 2026-09-22.

Relocation to Maine with qualifying prior producer authority
No examination is required for this applicant pathway.
Application
Submit the uniform application and required fee.
Authority
Only previously held lines are exempt; qualifying current or recently cancelled license and good standing evidence under §1420-H(1) must be established.
Bureau Implementation
The current Bureau FAQ permits applying without its exam when the resident license remains active or has been active within the last 90 days.
Residence
Apply within 90 days of establishing legal residence in Maine.

Official no-examination sources

Effective from 2026-09-22.

Relicensure after voluntary termination within two years
No examination is required for this applicant pathway.
Prior License
Similar Maine license for the same kinds within the past two years, excluding temporary licenses.
Qualification
Meet the applicable continuing education requirements during the two-year period and remain fully qualified.
Termination
Previous license voluntarily terminated; revoked or suspended licenses do not qualify.

Official no-examination sources

Effective from 2026-09-22.

Maine Casualty Producer Examination

Provider
Pearson VUE
Format
Computer-based written licensing examination at an authorized testing center
Exam questions
General knowledge: 50 scoreable plus 5 pretest questions; Maine-specific: 38 scoreable questions
Time limit
2 hours
Passing score
70 on the scaled score from 0 to 100
Exam fee
$55
Examination outline
  • CASUALTY – GENERAL KNOWLEDGE / I. TYPES OF POLICIES, BONDS, AND RELATED TERMS (23 scoreable questions)
    • A. Commercial general liability
    • A. Commercial general liability / 1. Exposures
    • A. Commercial general liability / 1. Exposures / a. Premises and Operations
    • A. Commercial general liability / 1. Exposures / b. 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 / b. Coverage B: Personal Injury and Advertising Injury
    • A. Commercial general liability / 2. Coverage / c. Coverage C: Medical Payments
    • A. Commercial general liability / 2. Coverage / d. Supplemental Payments
    • A. Commercial general liability / 2. Coverage / e. Who is an insured
    • A. Commercial general liability / 2. Coverage / f. First named insured
    • A. Commercial general liability / 2. Coverage / g. Limits (Per occurrence, Annual Aggregate)
    • A. Commercial general liability / 2. Coverage / h. 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 / a. Bodily Injury
    • B. Automobile: personal auto and business auto / 1. Liability / b. Property Damage
    • B. Automobile: personal auto and business auto / 1. Liability / c. Split Limits
    • B. Automobile: personal auto and business auto / 1. Liability / d. 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 / a. Owned
    • B. Automobile: personal auto and business auto / 7. Types of Auto / b. Non-owned
    • B. Automobile: personal auto and business auto / 7. Types of Auto / c. Hired
    • B. Automobile: personal auto and business auto / 7. Types of Auto / d. Temporary Substitute
    • B. Automobile: personal auto and business auto / 7. Types of Auto / e. Newly Acquired Autos
    • B. Automobile: personal auto and business auto / 7. Types of Auto / f. 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 Named 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 / a. 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 / b. 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. Business Owners Policy (BOP)
  • CASUALTY – GENERAL KNOWLEDGE / II. INSURANCE TERMS AND RELATED CONCEPTS (15 scoreable 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 / a. General
    • R. Damages / 1. Compensatory / b. Special
    • R. Damages / 2. Punitive
    • S. Compliance with provisions of Fair Credit Reporting Act
  • CASUALTY – GENERAL KNOWLEDGE / III. POLICY PROVISIONS (12 scoreable 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)
  • CASUALTY — Maine-Specific State Laws and Rules / I. MAINE LAWS AND RULES COMMON TO PROPERTY AND CASUALTY INSURANCE (28 scoreable questions)
    • A. Superintendent of Insurance
    • A. Superintendent of Insurance / 1. Broad powers
    • A. Superintendent of Insurance / 2. Notice and hearing
    • B. Definitions
    • B. Definitions / 1. Authorized, unauthorized, and certificate of authority
    • B. Definitions / 2. Surplus Lines law
    • B. Definitions / 3. Domestic, foreign, and alien
    • B. Definitions / 4. Stock and mutual
    • B. Definitions / 5. Transacting insurance
    • B. Definitions / 6. Maine Insurance Guaranty Association
    • B. Definitions / 7. Subrogation
    • C. Licensing requirements and limitations
    • C. Licensing requirements and limitations / 1. Types of licenses
    • C. Licensing requirements and limitations / 1. Types of licenses / a. Producer
    • C. Licensing requirements and limitations / 1. Types of licenses / b. Consultant
    • C. Licensing requirements and limitations / 1. Types of licenses / c. Temporary
    • C. Licensing requirements and limitations / 1. Types of licenses / d. Nonresident
    • C. Licensing requirements and limitations / 1. Types of licenses / e. Adjuster
    • C. Licensing requirements and limitations / 1. Types of licenses / f. Business entity
    • C. Licensing requirements and limitations / 1. Types of licenses / g. Apprentice
    • C. Licensing requirements and limitations / 2. Exemptions/exceptions
    • C. Licensing requirements and limitations / 3. Appointment
    • C. Licensing requirements and limitations / 4. License refusal, termination, expiration, revocation, suspension, and nonrenewal
    • C. Licensing requirements and limitations / 5. Continuing Education
    • D. Marketing and underwriting practices
    • D. Marketing and underwriting practices / 1. Unfair practices
    • D. Marketing and underwriting practices / 1. Unfair practices / a. Claims methods and practices
    • D. Marketing and underwriting practices / 1. Unfair practices / b. Excess charges
    • D. Marketing and underwriting practices / 1. Unfair practices / c. Rebating
    • D. Marketing and underwriting practices / 1. Unfair practices / d. Discrimination
    • D. Marketing and underwriting practices / 1. Unfair practices / e. Misrepresentation
    • D. Marketing and underwriting practices / 1. Unfair practices / f. Defamation
    • D. Marketing and underwriting practices / 1. Unfair practices / g. False information and advertising
    • D. Marketing and underwriting practices / 1. Unfair practices / h. Twisting
    • D. Marketing and underwriting practices / 1. Unfair practices / i. Penalties
    • D. Marketing and underwriting practices / 2. Producer responsibilities
    • D. Marketing and underwriting practices / 3. Compensation of licensees
    • D. Marketing and underwriting practices / 4. Roll-on coverages
    • D. Marketing and underwriting practices / 5. Surplus Lines
    • D. Marketing and underwriting practices / 6. Privacy
    • D. Marketing and underwriting practices / 7. Credit Scoring
    • E. Cancellation and nonrenewal provisions
    • E. Cancellation and nonrenewal provisions / 1. Commercial lines
    • E. Cancellation and nonrenewal provisions / 2. Personal lines
  • CASUALTY — Maine-Specific State Laws and Rules / II. MAINE LAWS AND RULES PERTINENT TO CASUALTY INSURANCE (10 scoreable questions)
    • A. Automobile insurance
    • A. Automobile insurance / 1. Uninsured/Underinsured motorists
    • A. Automobile insurance / 2. Excluded member of household
    • A. Automobile insurance / 3. Financial responsibility
    • A. Automobile insurance / 4. Maine Automobile Insurance Plan
    • A. Automobile insurance / 4. Maine Automobile Insurance Plan / a. Personal auto
    • A. Automobile insurance / 4. Maine Automobile Insurance Plan / b. Commercial
    • A. Automobile insurance / 5. Rental vehicle coverage
    • A. Automobile insurance / 6. Transportation Network Company/ Peer to peer Coverage
    • B. Workers’ Compensation
    • B. Workers’ Compensation / 1. Definitions
    • B. Workers’ Compensation / 2. Requirements/Procedures
    • B. Workers’ Compensation / 3. Coverages/benefits
Examination sources

Property & Casualty Producer

Provider
Pearson VUE
Format
Computer-based written licensing examination at an authorized testing center
Exam questions
Property general knowledge: 50 scoreable plus 5 pretest; casualty general knowledge: 50 scoreable plus 5 pretest; Maine-specific: 40 scoreable plus 7 pretest questions
Time limit
3 hours 30 minutes
Passing score
70 on the scaled score from 0 to 100
Exam fee
$80
Examination outline
  • PROPERTY & CASUALTY — PROPERTY GENERAL KNOWLEDGE / I. TYPES OF POLICIES (22 scoreable questions)
    • A. Homeowners
    • A. Homeowners / 1. HO-2
    • A. Homeowners / 2. HO-3
    • A. Homeowners / 3. HO-4
    • A. Homeowners / 4. HO-5
    • A. Homeowners / 5. HO-6
    • A. Homeowners / 6. HO-8
    • B. Dwelling policies
    • B. Dwelling policies / 1. DP-1
    • B. Dwelling policies / 2. DP-2
    • B. Dwelling policies / 3. DP-3
    • C. Commercial lines
    • C. Commercial lines / 1. Commercial Package Policy (CPP)
    • C. Commercial lines / 2. Commercial property
    • C. Commercial lines / 2. Commercial property / a. Commercial building and business personal property form
    • C. Commercial lines / 2. Commercial property / b. Causes of loss forms
    • C. Commercial lines / 2. Commercial property / c. Business income
    • C. Commercial lines / 2. Commercial property / d. Extra expense
    • C. Commercial lines / 2. Commercial property / e. Equipment breakdown
    • C. Commercial lines / 3. Business Owners Policy (BOP)
    • C. Commercial lines / 4. Builders Risk
    • C. Commercial lines / 5. Cyber First-Party Coverage
    • D. Inland marine
    • D. Inland marine / 1. Personal Articles floaters
    • D. Inland marine / 2. Commercial Property floaters
    • E. National Flood Insurance Program
    • F. Others
    • F. Others / 1. Earthquake
    • F. Others / 2. Mobile Homes
    • F. Others / 3. Watercraft
    • F. Others / 4. Farm Owners
    • F. Others / 5. Windstorm
  • PROPERTY & CASUALTY — PROPERTY GENERAL KNOWLEDGE / II. INSURANCE TERMS AND RELATED CONCEPTS (15 scoreable questions)
    • A. Insurance
    • A. Insurance / 1. Law of Large Numbers
    • B. Insurable interest
    • C. Risk
    • C. Risk / 1. Pure vs. Speculative Risk
    • D. Hazard
    • D. Hazard / 1. Moral
    • D. Hazard / 2. Morale
    • D. Hazard / 3. Physical
    • E. Peril
    • F. Loss
    • F. Loss / 1. Direct
    • F. Loss / 2. Indirect
    • G. Loss Valuation
    • G. Loss Valuation / 1. Actual cash value
    • G. Loss Valuation / 2. Replacement cost
    • G. Loss Valuation / 3. Market value
    • G. Loss Valuation / 4. Stated/agreed value
    • G. Loss Valuation / 5. Salvage value
    • H. Proximate cause
    • I. Deductible
    • J. Indemnity
    • K. Limits of liability
    • L. Coinsurance/Insurance to value
    • M. Occurrence
    • N. Cancellation
    • O. Nonrenewal
    • P. Vacancy and unoccupancy
    • Q. Liability
    • Q. Liability / 1. Absolute
    • Q. Liability / 2. Strict
    • Q. Liability / 3. Vicarious
    • R. Negligence
    • S. Binder
    • T. Endorsements
    • U. Blanket vs. Specific
  • PROPERTY & CASUALTY — PROPERTY GENERAL KNOWLEDGE / III. POLICY PROVISIONS AND CONTRACT LAW (13 scoreable questions)
    • A. Declarations
    • B. Insuring agreement
    • C. Conditions
    • D. Exclusions
    • E. Definition of the insured
    • F. Duties of the insured
    • G. Obligations of the insurance company
    • H. Mortgagee rights
    • I. Proof of loss
    • J. Notice of claim
    • K. Appraisal
    • L. Other Insurance Provision
    • M. Subrogation
    • N. Elements of a contract
    • O. Warranties, representations, and concealment
    • P. Sources of underwriting information
    • Q. Fair Credit Reporting Act
    • R. Privacy Protection (Gramm Leach Bliley)
    • S. Policy Application
    • T. Terrorism Risk Insurance Act (TRIA)
    • U. Territory
  • PROPERTY & CASUALTY — CASUALTY GENERAL KNOWLEDGE / I. TYPES OF POLICIES, BONDS, AND RELATED TERMS (23 scoreable questions)
    • A. Commercial general liability
    • A. Commercial general liability / 1. Exposures
    • A. Commercial general liability / 1. Exposures / a. Premises and Operations
    • A. Commercial general liability / 1. Exposures / b. 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 / b. Coverage B: Personal Injury and Advertising Injury
    • A. Commercial general liability / 2. Coverage / c. Coverage C: Medical Payments
    • A. Commercial general liability / 2. Coverage / d. Supplemental Payments
    • A. Commercial general liability / 2. Coverage / e. Who is an insured
    • A. Commercial general liability / 2. Coverage / f. First named insured
    • A. Commercial general liability / 2. Coverage / g. Limits (Per occurrence, Annual Aggregate)
    • A. Commercial general liability / 2. Coverage / h. 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 / a. Bodily Injury
    • B. Automobile: personal auto and business auto / 1. Liability / b. Property Damage
    • B. Automobile: personal auto and business auto / 1. Liability / c. Split Limits
    • B. Automobile: personal auto and business auto / 1. Liability / d. 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 / a. Owned
    • B. Automobile: personal auto and business auto / 7. Types of Auto / b. Non-owned
    • B. Automobile: personal auto and business auto / 7. Types of Auto / c. Hired
    • B. Automobile: personal auto and business auto / 7. Types of Auto / d. Temporary Substitute
    • B. Automobile: personal auto and business auto / 7. Types of Auto / e. Newly Acquired Autos
    • B. Automobile: personal auto and business auto / 7. Types of Auto / f. 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 Named 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 / a. 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 / b. 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. Business Owners Policy (BOP)
  • PROPERTY & CASUALTY — CASUALTY GENERAL KNOWLEDGE / II. INSURANCE TERMS AND RELATED CONCEPTS (15 scoreable 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 / a. General
    • R. Damages / 1. Compensatory / b. Special
    • R. Damages / 2. Punitive
    • S. Compliance with provisions of Fair Credit Reporting Act
  • PROPERTY & CASUALTY — CASUALTY GENERAL KNOWLEDGE / III. POLICY PROVISIONS (12 scoreable 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)
  • PROPERTY & CASUALTY — Maine-Specific State Laws and Rules / I. MAINE LAWS AND RULES COMMON TO PROPERTY AND CASUALTY INSURANCE (28 scoreable questions)
    • A. Superintendent of Insurance
    • A. Superintendent of Insurance / 1. Broad powers
    • A. Superintendent of Insurance / 2. Notice and hearing
    • B. Definitions
    • B. Definitions / 1. Authorized, unauthorized, and certificate of authority
    • B. Definitions / 2. Surplus Lines law
    • B. Definitions / 3. Domestic, foreign, and alien
    • B. Definitions / 4. Stock and mutual
    • B. Definitions / 5. Transacting insurance
    • B. Definitions / 6. Maine Insurance Guaranty Association
    • B. Definitions / 7. Subrogation
    • C. Licensing requirements and limitations
    • C. Licensing requirements and limitations / 1. Types of licenses
    • C. Licensing requirements and limitations / 1. Types of licenses / a. Producer
    • C. Licensing requirements and limitations / 1. Types of licenses / b. Consultant
    • C. Licensing requirements and limitations / 1. Types of licenses / c. Temporary
    • C. Licensing requirements and limitations / 1. Types of licenses / d. Nonresident
    • C. Licensing requirements and limitations / 1. Types of licenses / e. Adjuster
    • C. Licensing requirements and limitations / 1. Types of licenses / f. Business entity
    • C. Licensing requirements and limitations / 1. Types of licenses / g. Apprentice
    • C. Licensing requirements and limitations / 2. Exemptions/exceptions
    • C. Licensing requirements and limitations / 3. Appointment
    • C. Licensing requirements and limitations / 4. License refusal, termination, expiration, revocation, suspension, and nonrenewal
    • C. Licensing requirements and limitations / 5. Continuing Education
    • D. Marketing and underwriting practices
    • D. Marketing and underwriting practices / 1. Unfair practices
    • D. Marketing and underwriting practices / 1. Unfair practices / a. Claims methods and practices
    • D. Marketing and underwriting practices / 1. Unfair practices / b. Excess charges
    • D. Marketing and underwriting practices / 1. Unfair practices / c. Rebating
    • D. Marketing and underwriting practices / 1. Unfair practices / d. Discrimination
    • D. Marketing and underwriting practices / 1. Unfair practices / e. Misrepresentation
    • D. Marketing and underwriting practices / 1. Unfair practices / f. Defamation
    • D. Marketing and underwriting practices / 1. Unfair practices / g. False information and advertising
    • D. Marketing and underwriting practices / 1. Unfair practices / h. Twisting
    • D. Marketing and underwriting practices / 1. Unfair practices / i. Penalties
    • D. Marketing and underwriting practices / 2. Producer responsibilities
    • D. Marketing and underwriting practices / 3. Compensation of licensees
    • D. Marketing and underwriting practices / 4. Roll-on coverages
    • D. Marketing and underwriting practices / 5. Surplus Lines
    • D. Marketing and underwriting practices / 6. Privacy
    • D. Marketing and underwriting practices / 7. Credit Scoring
    • E. Cancellation and nonrenewal provisions
    • E. Cancellation and nonrenewal provisions / 1. Commercial lines
    • E. Cancellation and nonrenewal provisions / 2. Personal lines
  • PROPERTY & CASUALTY — Maine-Specific State Laws and Rules / II. MAINE LAWS AND RULES PERTINENT TO PROPERTY INSURANCE (2 scoreable questions)
    • A. Maine Standard Fire Policy
    • B. Hurricane deductibles
  • PROPERTY & CASUALTY — Maine-Specific State Laws and Rules / III. MAINE LAWS AND RULES PERTINENT TO CASUALTY INSURANCE (10 scoreable questions)
    • A. Automobile insurance
    • A. Automobile insurance / 1. Uninsured/Underinsured motorists
    • A. Automobile insurance / 2. Excluded member of household
    • A. Automobile insurance / 3. Financial responsibility
    • A. Automobile insurance / 4. Maine Automobile Insurance Plan
    • A. Automobile insurance / 4. Maine Automobile Insurance Plan / a. Personal auto
    • A. Automobile insurance / 4. Maine Automobile Insurance Plan / b. Commercial
    • A. Automobile insurance / 5. Rental vehicle coverage
    • A. Automobile insurance / 6. Transportation Network Company/Peer to peer Coverage
    • A. Workers’ Compensation
    • A. Workers’ Compensation / 1. Definitions
    • A. Workers’ Compensation / 2. Requirements/Procedures
    • A. Workers’ Compensation / 3. Coverages/benefits
Examination sources

Property Producer

Provider
Pearson VUE
Time limit
2 hours
Passing score
70 scaled score
Exam fee
$55
Examination outline
  • PROPERTY — GENERAL KNOWLEDGE / I. TYPES OF POLICIES (22 scoreable questions)
    • A. Homeowners
    • A. Homeowners / 1. HO-2
    • A. Homeowners / 2. HO-3
    • A. Homeowners / 3. HO-4
    • A. Homeowners / 4. HO-5
    • A. Homeowners / 5. HO-6
    • A. Homeowners / 6. HO-8
    • B. Dwelling policies
    • B. Dwelling policies / 1. DP-1
    • B. Dwelling policies / 2. DP-2
    • B. Dwelling policies / 3. DP-3
    • C. Commercial lines
    • C. Commercial lines / 1. Commercial Package Policy (CPP)
    • C. Commercial lines / 2. Commercial property
    • C. Commercial lines / 2. Commercial property / a. Commercial building and business personal property form
    • C. Commercial lines / 2. Commercial property / b. Causes of loss forms
    • C. Commercial lines / 2. Commercial property / c. Business income
    • C. Commercial lines / 2. Commercial property / d. Extra expense
    • C. Commercial lines / 2. Commercial property / e. Equipment breakdown
    • C. Commercial lines / 3. Business Owners Policy (BOP)
    • C. Commercial lines / 4. Builders Risk
    • C. Commercial lines / 5. Cyber First-Party Coverage
    • D. Inland marine
    • D. Inland marine / 1. Personal Articles floaters
    • D. Inland marine / 2. Commercial Property floaters
    • E. National Flood Insurance Program
    • F. Others
    • F. Others / 1. Earthquake
    • F. Others / 2. Mobile Homes
    • F. Others / 3. Watercraft
    • F. Others / 4. Farm Owners
    • F. Others / 5. Windstorm
  • PROPERTY — GENERAL KNOWLEDGE / II. INSURANCE TERMS AND RELATED CONCEPTS (15 scoreable questions)
    • A. Insurance
    • A. Insurance / 1. Law of Large Numbers
    • B. Insurable interest
    • C. Risk
    • C. Risk / 1. Pure vs. Speculative Risk
    • D. Hazard
    • D. Hazard / 1. Moral
    • D. Hazard / 2. Morale
    • D. Hazard / 3. Physical
    • E. Peril
    • F. Loss
    • F. Loss / 1. Direct
    • F. Loss / 2. Indirect
    • G. Loss Valuation
    • G. Loss Valuation / 1. Actual cash value
    • G. Loss Valuation / 2. Replacement cost
    • G. Loss Valuation / 3. Market value
    • G. Loss Valuation / 4. Stated/agreed value
    • G. Loss Valuation / 5. Salvage value
    • H. Proximate cause
    • I. Deductible
    • J. Indemnity
    • K. Limits of liability
    • L. Coinsurance/Insurance to value
    • M. Occurrence
    • N. Cancellation
    • O. Nonrenewal
    • P. Vacancy and unoccupancy
    • Q. Liability
    • Q. Liability / 1. Absolute
    • Q. Liability / 2. Strict
    • Q. Liability / 3. Vicarious
    • R. Negligence
    • S. Binder
    • T. Endorsements
    • U. Blanket vs. Specific
  • PROPERTY — GENERAL KNOWLEDGE / III. POLICY PROVISIONS AND CONTRACT LAW (13 scoreable questions)
    • A. Declarations
    • B. Insuring agreement
    • C. Conditions
    • D. Exclusions
    • E. Definition of the insured
    • F. Duties of the insured
    • G. Obligations of the insurance company
    • H. Mortgagee rights
    • I. Proof of loss
    • J. Notice of claim
    • K. Appraisal
    • L. Other Insurance Provision
    • M. Subrogation
    • N. Elements of a contract
    • O. Warranties, representations, and concealment
    • P. Sources of underwriting information
    • Q. Fair Credit Reporting Act
    • R. Privacy Protection (Gramm Leach Bliley)
    • S. Policy Application
    • T. Terrorism Risk Insurance Act (TRIA)
    • U. Territory
  • PROPERTY — Maine-Specific State Laws and Rules / I. MAINE LAWS AND RULES COMMON TO PROPERTY AND CASUALTY INSURANCE (28 scoreable questions)
    • A. Superintendent of Insurance
    • A. Superintendent of Insurance / 1. Broad powers
    • A. Superintendent of Insurance / 2. Notice and hearing
    • B. Definitions
    • B. Definitions / 1. Authorized, unauthorized, and certificate of authority
    • B. Definitions / 2. Surplus Lines law
    • B. Definitions / 3. Domestic, foreign, and alien
    • B. Definitions / 4. Stock and mutual
    • B. Definitions / 5. Transacting insurance
    • B. Definitions / 6. Maine Insurance Guaranty Association
    • B. Definitions / 7. Subrogation
    • C. Licensing requirements and limitations
    • C. Licensing requirements and limitations / 1. Types of licenses
    • C. Licensing requirements and limitations / 1. Types of licenses / a. Producer
    • C. Licensing requirements and limitations / 1. Types of licenses / b. Consultant
    • C. Licensing requirements and limitations / 1. Types of licenses / c. Temporary
    • C. Licensing requirements and limitations / 1. Types of licenses / d. Nonresident
    • C. Licensing requirements and limitations / 1. Types of licenses / e. Adjuster
    • C. Licensing requirements and limitations / 1. Types of licenses / f. Business entity
    • C. Licensing requirements and limitations / 1. Types of licenses / g. Apprentice
    • C. Licensing requirements and limitations / 2. Exemptions/exceptions
    • C. Licensing requirements and limitations / 3. Appointment
    • C. Licensing requirements and limitations / 4. License refusal, termination, expiration, revocation, suspension and nonrenewal
    • C. Licensing requirements and limitations / 5. Continuing Education
    • D. Marketing and underwriting practices
    • D. Marketing and underwriting practices / 1. Unfair practices
    • D. Marketing and underwriting practices / 1. Unfair practices / a. Claims, methods, and practices
    • D. Marketing and underwriting practices / 1. Unfair practices / b. Excess charges
    • D. Marketing and underwriting practices / 1. Unfair practices / c. Rebating
    • D. Marketing and underwriting practices / 1. Unfair practices / d. Discrimination
    • D. Marketing and underwriting practices / 1. Unfair practices / e. Misrepresentation
    • D. Marketing and underwriting practices / 1. Unfair practices / f. Defamation
    • D. Marketing and underwriting practices / 1. Unfair practices / g. False information and advertising
    • D. Marketing and underwriting practices / 1. Unfair practices / h. Twisting
    • D. Marketing and underwriting practices / 1. Unfair practices / i. Penalties
    • D. Marketing and underwriting practices / 2. Producer responsibilities
    • D. Marketing and underwriting practices / 3. Compensation of licensees
    • D. Marketing and underwriting practices / 4. Roll-on coverages
    • D. Marketing and underwriting practices / 5. Surplus Lines
    • D. Marketing and underwriting practices / 6. Privacy
    • D. Marketing and underwriting practices / 7. Credit Scoring
    • E. Cancellation and nonrenewal provisions
    • E. Cancellation and nonrenewal provisions / 1. Commercial lines
    • E. Cancellation and nonrenewal provisions / 2. Personal lines
  • PROPERTY — Maine-Specific State Laws and Rules / II. MAINE LAWS AND RULES PERTINENT TO PROPERTY INSURANCE (2 scoreable questions)
    • A. Maine Standard Fire Policy
    • B. Hurricane deductibles
Examination sources