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Maryland Property & Casualty Insurance — Requirements & Free Practice

US-MD · License preparation

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Licenses, application pathways and examination requirements

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Insurance Producer — Property, Casualty, and Personal Lines

Individual insurance producer licence with the property, casualty, or personal-lines authority requested by the applicant; each line remains a distinct permission on the licence.

Licensing authority: Maryland Insurance Administration · Application information

Add or restore authority on an active resident licence — both property and casualty

At least one of the following alternatives:

  • Property and Casualty Producer - Combo (practice unavailable)

  • All of the following:

    • Property Producer (practice unavailable)
    • Casualty Producer (practice unavailable)
Application
Submit the NAIC Uniform Individual Application and the $54 initial licence fee; disclose required background information and supporting documents.
Character
Good character and trustworthiness; no act warranting denial under §10-126.
Exam Languages
Prometric offers English and Spanish administrations; language alone does not create a separate applicant route.
Existing License
Active Maryland resident producer licence; an added or previously cancelled line must be requalified by its appropriate examination. The MIA updates the existing licence; do not apply for a new licence.
Minimum Age
At least 18 years old (§10-104(d)).
Prelicensing Study
The MIA announcement effective October 1, 2024 removed the approved prelicensing study requirement.
Requested Authority
Applicant requests both property and casualty.
Score Validity
Pass the required examination before submitting the application; a passing result is valid for one year under COMAR 31.03.20.02.
Add or restore authority on an active resident licence — casualty only
Casualty Producer (practice unavailable)
Application
Submit the NAIC Uniform Individual Application and the $54 initial licence fee; disclose required background information and supporting documents.
Character
Good character and trustworthiness; no act warranting denial under §10-126.
Exam Languages
Prometric offers English and Spanish administrations; language alone does not create a separate applicant route.
Existing License
Active Maryland resident producer licence; an added or previously cancelled line must be requalified by its appropriate examination. The MIA updates the existing licence; do not apply for a new licence.
Minimum Age
At least 18 years old (§10-104(d)).
Prelicensing Study
The MIA announcement effective October 1, 2024 removed the approved prelicensing study requirement.
Requested Authority
Applicant requests casualty only.
Score Validity
Pass the required examination before submitting the application; a passing result is valid for one year under COMAR 31.03.20.02.
Add or restore authority on an active resident licence — personal lines of property and casualty only
Maryland Personal Lines Insurance Producer Examination
Application
Submit the NAIC Uniform Individual Application and the $54 initial licence fee; disclose required background information and supporting documents.
Character
Good character and trustworthiness; no act warranting denial under §10-126.
Exam Languages
Prometric offers English and Spanish administrations; language alone does not create a separate applicant route.
Existing License
Active Maryland resident producer licence; an added or previously cancelled line must be requalified by its appropriate examination. The MIA updates the existing licence; do not apply for a new licence.
Minimum Age
At least 18 years old (§10-104(d)).
Prelicensing Study
The MIA announcement effective October 1, 2024 removed the approved prelicensing study requirement.
Requested Authority
Applicant requests personal lines of property and casualty only.
Score Validity
Pass the required examination before submitting the application; a passing result is valid for one year under COMAR 31.03.20.02.
Add or restore authority on an active resident licence — property only
Property Producer (practice unavailable)
Application
Submit the NAIC Uniform Individual Application and the $54 initial licence fee; disclose required background information and supporting documents.
Character
Good character and trustworthiness; no act warranting denial under §10-126.
Exam Languages
Prometric offers English and Spanish administrations; language alone does not create a separate applicant route.
Existing License
Active Maryland resident producer licence; an added or previously cancelled line must be requalified by its appropriate examination. The MIA updates the existing licence; do not apply for a new licence.
Minimum Age
At least 18 years old (§10-104(d)).
Prelicensing Study
The MIA announcement effective October 1, 2024 removed the approved prelicensing study requirement.
Requested Authority
Applicant requests property only.
Score Validity
Pass the required examination before submitting the application; a passing result is valid for one year under COMAR 31.03.20.02.
Recognition of a servicemember or spouse’s existing licence
No examination is required for this applicant pathway.
Application
Paper recognition application, orders, notarized affidavit, Maryland background-check compliance, supporting documents; marriage certificate for a spouse.
Existing License
Valid resident insurance professional licence in good standing; recognition is limited to similar scope and lasts during the Maryland military-orders stay.
License Nature
Recognition of the existing licence, rather than issuance of a separate new Maryland examination credential.
Military Orders
Servicemember or spouse relocated to Maryland because of military orders.

Official no-examination sources

Effective from 2026-09-22.

  • Military

    Main Content — military-orders licence recognition

  • Military

    Qualification and Process — application and supporting documents

Change or reactivate Maryland licence as nonresident after moving away
No examination is required for this applicant pathway.
Home License
Hold the new home-jurisdiction resident licence in good standing.
Request
Submit change of address and status request; outside the administrative 90-day reactivation period use a new nonresident application and fee.
Timing
Report residence change and certification within 30 days under §10-119(g); the MIA FAQ allows status reactivation within 90 days of a Maryland clearance request.

Official no-examination sources

Effective from 2026-09-22.

Initial nonresident licensure by reciprocity
No examination is required for this applicant pathway.
Application
Uniform application or transmitted home-state application, fee, and required background disclosures.
Home License
Current resident producer licence in good standing in the home jurisdiction for the same requested lines.
Maintenance
Maintain home-state resident licence in good standing.
Reciprocity
Home jurisdiction grants Maryland residents equivalent nonresident licensing privileges.

Official no-examination sources

Effective from 2026-09-22.

Individual examination waiver for prior same line licensure
No examination is required for this applicant pathway.
Application
Meet the otherwise applicable individual licensing and application requirements.
Prior Authority
Previously licensed for the same requested lines.
Waiver Evidence
§10-119(b)(2) provides alternatives: current home-state licensure; application within 90 days of cancellation with certification of good standing at cancellation; or NAIC producer database records showing current or former good standing for the requested authority.

Official no-examination sources

Effective from 2026-09-22.

Reinstatement 61 to 365
No examination is required for this applicant pathway.
Application
Reinstatement application, renewal fee, $15 fraud-prevention fee and $100 reinstatement fee.
Education
Complete applicable approved continuing education, normally 24 hours including 3 ethics hours, at least 15 days before expiration; statutory grandfathering and waivers apply. Reciprocal nonresidents may satisfy CE in the home jurisdiction.
Expiration
More than 60 days but within one year of expiration: reinstatement takes effect prospectively.
Practice
Do not conduct insurance business until reinstatement is effective.

Official no-examination sources

Effective from 2026-09-22.

Discretionary waiver of renewal and reinstatement procedures
No examination is required for this applicant pathway.
Discretion
The Commissioner may waive the reinstatement procedures; approval is case-specific.
Inability
Uniformed service or other extenuating circumstances including long-term medical disability prevented compliance.

Official no-examination sources

Effective from 2026-09-22.

Reinstatement within 60
No examination is required for this applicant pathway.
Application
Reinstatement application, renewal fee, $15 fraud-prevention fee and $100 reinstatement fee.
Education
Complete applicable approved continuing education, normally 24 hours including 3 ethics hours, at least 15 days before expiration; statutory grandfathering and waivers apply. Reciprocal nonresidents may satisfy CE in the home jurisdiction.
Expiration
Within 60 days of expiration: reinstatement is retroactive to expiration.
Practice
Do not conduct insurance business until reinstatement is effective.

Official no-examination sources

Effective from 2026-09-22.

Resident licensure following relocation — new Maryland licence
No examination is required for this applicant pathway.
Application
Submit a resident application under §10-111 and fee.
Board Instructions
MIA Producer Licensing FAQ p. 2 additionally measures 90 days from prior home-state licence cancellation and asks for a paper application; statute §10-119(h) controls the residence-based waiver.
Prior License
Licensed for the same authority in the prior jurisdiction.
Timing
Apply within 90 days of establishing Maryland residence under §10-119(h).

Official no-examination sources

Effective from 2026-09-22.

Convert an existing nonresident licence to resident status
No examination is required for this applicant pathway.
Existing License
An active Maryland nonresident producer licence with the same lines.
Request
Provide Maryland licence number, new residential and mailing addresses, and business address if applicable; MIA verifies clearance through the producer database.
Timing
Submit residency/status-change request within the statutory relocation window; the MIA FAQ specifies 90 days after prior home-state licence cancellation.

Official no-examination sources

Effective from 2026-09-22.

Biennial renewal
No examination is required for this applicant pathway.
Application
Timely renewal application and $69 renewal/fraud-prevention fee.
Education
Complete applicable approved continuing education, normally 24 hours including 3 ethics hours, at least 15 days before expiration; statutory grandfathering and waivers apply. Reciprocal nonresidents may satisfy CE in the home jurisdiction.
Existing License
A current licence still eligible for renewal.
Tax Compliance
Pay undisputed Maryland taxes and unemployment contributions or make acceptable payment arrangements.

Official no-examination sources

Effective from 2026-09-22.

Nonresident initial licensure when home jurisdiction issues no equivalent — both property and casualty

At least one of the following alternatives:

  • Property and Casualty Producer - Combo (practice unavailable)

  • All of the following:

    • Property Producer (practice unavailable)
    • Casualty Producer (practice unavailable)
Application
Submit the NAIC Uniform Individual Application and the $54 initial licence fee; disclose required background information and supporting documents.
Character
Good character and trustworthiness; no act warranting denial under §10-126.
Exam Languages
Prometric offers English and Spanish administrations; language alone does not create a separate applicant route.
Minimum Age
At least 18 years old (§10-104(d)).
Prelicensing Study
The MIA announcement effective October 1, 2024 removed the approved prelicensing study requirement.
Requested Authority
Applicant requests both property and casualty.
Residency
Nonresident whose jurisdiction of residence does not issue the equivalent producer licence; satisfy Maryland resident requirements.
Score Validity
Pass the required examination before submitting the application; a passing result is valid for one year under COMAR 31.03.20.02.
Nonresident initial licensure when home jurisdiction issues no equivalent — casualty only
Casualty Producer (practice unavailable)
Application
Submit the NAIC Uniform Individual Application and the $54 initial licence fee; disclose required background information and supporting documents.
Character
Good character and trustworthiness; no act warranting denial under §10-126.
Exam Languages
Prometric offers English and Spanish administrations; language alone does not create a separate applicant route.
Minimum Age
At least 18 years old (§10-104(d)).
Prelicensing Study
The MIA announcement effective October 1, 2024 removed the approved prelicensing study requirement.
Requested Authority
Applicant requests casualty only.
Residency
Nonresident whose jurisdiction of residence does not issue the equivalent producer licence; satisfy Maryland resident requirements.
Score Validity
Pass the required examination before submitting the application; a passing result is valid for one year under COMAR 31.03.20.02.
Nonresident initial licensure when home jurisdiction issues no equivalent — personal lines of property and casualty only
Maryland Personal Lines Insurance Producer Examination
Application
Submit the NAIC Uniform Individual Application and the $54 initial licence fee; disclose required background information and supporting documents.
Character
Good character and trustworthiness; no act warranting denial under §10-126.
Exam Languages
Prometric offers English and Spanish administrations; language alone does not create a separate applicant route.
Minimum Age
At least 18 years old (§10-104(d)).
Prelicensing Study
The MIA announcement effective October 1, 2024 removed the approved prelicensing study requirement.
Requested Authority
Applicant requests personal lines of property and casualty only.
Residency
Nonresident whose jurisdiction of residence does not issue the equivalent producer licence; satisfy Maryland resident requirements.
Score Validity
Pass the required examination before submitting the application; a passing result is valid for one year under COMAR 31.03.20.02.
Nonresident initial licensure when home jurisdiction issues no equivalent — property only
Property Producer (practice unavailable)
Application
Submit the NAIC Uniform Individual Application and the $54 initial licence fee; disclose required background information and supporting documents.
Character
Good character and trustworthiness; no act warranting denial under §10-126.
Exam Languages
Prometric offers English and Spanish administrations; language alone does not create a separate applicant route.
Minimum Age
At least 18 years old (§10-104(d)).
Prelicensing Study
The MIA announcement effective October 1, 2024 removed the approved prelicensing study requirement.
Requested Authority
Applicant requests property only.
Residency
Nonresident whose jurisdiction of residence does not issue the equivalent producer licence; satisfy Maryland resident requirements.
Score Validity
Pass the required examination before submitting the application; a passing result is valid for one year under COMAR 31.03.20.02.
Reapply after licence has expired more than one year — both property and casualty

At least one of the following alternatives:

  • Property and Casualty Producer - Combo (practice unavailable)

  • All of the following:

    • Property Producer (practice unavailable)
    • Casualty Producer (practice unavailable)
Application
Submit the NAIC Uniform Individual Application and the $54 initial licence fee; disclose required background information and supporting documents.
Character
Good character and trustworthiness; no act warranting denial under §10-126.
Exam Languages
Prometric offers English and Spanish administrations; language alone does not create a separate applicant route.
Expiration
More than one year has elapsed since licence expiration; satisfy all initial individual requirements.
Minimum Age
At least 18 years old (§10-104(d)).
Prelicensing Study
The MIA announcement effective October 1, 2024 removed the approved prelicensing study requirement.
Requested Authority
Applicant requests both property and casualty.
Score Validity
Pass the required examination before submitting the application; a passing result is valid for one year under COMAR 31.03.20.02.
Reapply after licence has expired more than one year — casualty only
Casualty Producer (practice unavailable)
Application
Submit the NAIC Uniform Individual Application and the $54 initial licence fee; disclose required background information and supporting documents.
Character
Good character and trustworthiness; no act warranting denial under §10-126.
Exam Languages
Prometric offers English and Spanish administrations; language alone does not create a separate applicant route.
Expiration
More than one year has elapsed since licence expiration; satisfy all initial individual requirements.
Minimum Age
At least 18 years old (§10-104(d)).
Prelicensing Study
The MIA announcement effective October 1, 2024 removed the approved prelicensing study requirement.
Requested Authority
Applicant requests casualty only.
Score Validity
Pass the required examination before submitting the application; a passing result is valid for one year under COMAR 31.03.20.02.
Reapply after licence has expired more than one year — personal lines of property and casualty only
Maryland Personal Lines Insurance Producer Examination
Application
Submit the NAIC Uniform Individual Application and the $54 initial licence fee; disclose required background information and supporting documents.
Character
Good character and trustworthiness; no act warranting denial under §10-126.
Exam Languages
Prometric offers English and Spanish administrations; language alone does not create a separate applicant route.
Expiration
More than one year has elapsed since licence expiration; satisfy all initial individual requirements.
Minimum Age
At least 18 years old (§10-104(d)).
Prelicensing Study
The MIA announcement effective October 1, 2024 removed the approved prelicensing study requirement.
Requested Authority
Applicant requests personal lines of property and casualty only.
Score Validity
Pass the required examination before submitting the application; a passing result is valid for one year under COMAR 31.03.20.02.
Reapply after licence has expired more than one year — property only
Property Producer (practice unavailable)
Application
Submit the NAIC Uniform Individual Application and the $54 initial licence fee; disclose required background information and supporting documents.
Character
Good character and trustworthiness; no act warranting denial under §10-126.
Exam Languages
Prometric offers English and Spanish administrations; language alone does not create a separate applicant route.
Expiration
More than one year has elapsed since licence expiration; satisfy all initial individual requirements.
Minimum Age
At least 18 years old (§10-104(d)).
Prelicensing Study
The MIA announcement effective October 1, 2024 removed the approved prelicensing study requirement.
Requested Authority
Applicant requests property only.
Score Validity
Pass the required examination before submitting the application; a passing result is valid for one year under COMAR 31.03.20.02.
Initial resident individual licensure — both property and casualty

At least one of the following alternatives:

  • Property and Casualty Producer - Combo (practice unavailable)

  • All of the following:

    • Property Producer (practice unavailable)
    • Casualty Producer (practice unavailable)
Application
Submit the NAIC Uniform Individual Application and the $54 initial licence fee; disclose required background information and supporting documents.
Character
Good character and trustworthiness; no act warranting denial under §10-126.
Exam Languages
Prometric offers English and Spanish administrations; language alone does not create a separate applicant route.
Minimum Age
At least 18 years old (§10-104(d)).
Prelicensing Study
The MIA announcement effective October 1, 2024 removed the approved prelicensing study requirement.
Requested Authority
Applicant requests both property and casualty.
Residency
Maryland resident.
Score Validity
Pass the required examination before submitting the application; a passing result is valid for one year under COMAR 31.03.20.02.
Initial resident individual licensure — casualty only
Casualty Producer (practice unavailable)
Application
Submit the NAIC Uniform Individual Application and the $54 initial licence fee; disclose required background information and supporting documents.
Character
Good character and trustworthiness; no act warranting denial under §10-126.
Exam Languages
Prometric offers English and Spanish administrations; language alone does not create a separate applicant route.
Minimum Age
At least 18 years old (§10-104(d)).
Prelicensing Study
The MIA announcement effective October 1, 2024 removed the approved prelicensing study requirement.
Requested Authority
Applicant requests casualty only.
Residency
Maryland resident.
Score Validity
Pass the required examination before submitting the application; a passing result is valid for one year under COMAR 31.03.20.02.
Initial resident individual licensure — personal lines of property and casualty only
Maryland Personal Lines Insurance Producer Examination
Application
Submit the NAIC Uniform Individual Application and the $54 initial licence fee; disclose required background information and supporting documents.
Character
Good character and trustworthiness; no act warranting denial under §10-126.
Exam Languages
Prometric offers English and Spanish administrations; language alone does not create a separate applicant route.
Minimum Age
At least 18 years old (§10-104(d)).
Prelicensing Study
The MIA announcement effective October 1, 2024 removed the approved prelicensing study requirement.
Requested Authority
Applicant requests personal lines of property and casualty only.
Residency
Maryland resident.
Score Validity
Pass the required examination before submitting the application; a passing result is valid for one year under COMAR 31.03.20.02.
Initial resident individual licensure — property only
Property Producer (practice unavailable)
Application
Submit the NAIC Uniform Individual Application and the $54 initial licence fee; disclose required background information and supporting documents.
Character
Good character and trustworthiness; no act warranting denial under §10-126.
Exam Languages
Prometric offers English and Spanish administrations; language alone does not create a separate applicant route.
Minimum Age
At least 18 years old (§10-104(d)).
Prelicensing Study
The MIA announcement effective October 1, 2024 removed the approved prelicensing study requirement.
Requested Authority
Applicant requests property only.
Residency
Maryland resident.
Score Validity
Pass the required examination before submitting the application; a passing result is valid for one year under COMAR 31.03.20.02.

Casualty Producer

Examination outline
  • Insurance Regulation 38% (30 items)
    • Licensing
    • Licensing / Purpose
    • Licensing / Process (Insurance Article Annotated Code- Sec. 10-115; Sec.10-116; Sec. 10-104)
    • Licensing / Process (Insurance Article Annotated Code- Sec. 10-115; Sec.10-116; Sec. 10-104) / Initial Licensure Qualifications
    • Licensing / Process (Insurance Article Annotated Code- Sec. 10-115; Sec.10-116; Sec. 10-104) / Examination
    • Licensing / Process (Insurance Article Annotated Code- Sec. 10-115; Sec.10-116; Sec. 10-104) / License fee & application
    • Licensing / Process (Insurance Article Annotated Code- Sec. 10-115; Sec.10-116; Sec. 10-104) / Exemptions to Licensure
    • Licensing / Types of licensees
    • Licensing / Types of licensees / Producers
    • Licensing / Types of licensees / Business entity producers
    • Licensing / Types of licensees / Nonresident producers
    • Licensing / Types of licensees / Temporary
    • Licensing / Types of licensees / Advisers
    • Licensing / Types of licensees / Public insurance adjusters
    • Licensing / Types of licensees / Limited Lines Producer
    • Licensing / Portable Electronics Insurance Limited Lines license
    • Licensing / Maintenance and duration (Insurance Article Annotated Code- Sec. 10-116; Sec. 10-117(b)(1))
    • Licensing / Maintenance and duration (Insurance Article Annotated Code- Sec. 10-116; Sec. 10-117(b)(1)) / Reinstatement and renewal
    • Licensing / Maintenance and duration (Insurance Article Annotated Code- Sec. 10-116; Sec. 10-117(b)(1)) / Address change
    • Licensing / Maintenance and duration (Insurance Article Annotated Code- Sec. 10-116; Sec. 10-117(b)(1)) / Reporting of actions
    • Licensing / Maintenance and duration (Insurance Article Annotated Code- Sec. 10-116; Sec. 10-117(b)(1)) / Assumed names
    • Licensing / Maintenance and duration (Insurance Article Annotated Code- Sec. 10-116; Sec. 10-117(b)(1)) / Continuing education requirements, exemptions and penalties
    • Licensing / Disciplinary actions
    • Licensing / Disciplinary actions / Cease and desist order
    • Licensing / Disciplinary actions / Hearings
    • Licensing / Disciplinary actions / Probation, suspension, revocation, refusal to issue or renew
    • Licensing / Disciplinary actions / Penalties and fines
    • State regulation
    • State regulation / Commissioner's general duties and powers (Insurance Article Annotated Code-Sec. 2-205 (a)(2))
    • State regulation / Commissioner's general duties and powers (Insurance Article Annotated Code-Sec. 2-205 (a)(2)) / State Specific Definitions (Insurance Article Annotated Code- Sec. 10-401; Sec. 27-209; Sec. 27-213; Sec. 10-201; Sec 10-126; Ref: COMAR Sec. 31.08.06.02)
    • State regulation / Company regulation
    • State regulation / Company regulation / Certificate of authority
    • State regulation / Company regulation / Solvency
    • State regulation / Company regulation / Rates
    • State regulation / Company regulation / Policy forms
    • State regulation / Company regulation / Examination of books and records
    • State regulation / Company regulation / Producer appointments
    • State regulation / Company regulation / Producer's Contract with Insurer versus Producer's Appointment with Insurer
    • State regulation / Company regulation / Producer's Individual Appointment versus Business Entity Appointment
    • State regulation / Company regulation / Maintaining Record of Appointment Notice
    • State regulation / Company regulation / Termination of producer appointment
    • State regulation / Producer regulation (Insurance Article Annotated Code-Sec. 27-212(d))
    • State regulation / Producer regulation (Insurance Article Annotated Code-Sec. 27-212(d)) / Examination of Books and Records
    • State regulation / Producer regulation (Insurance Article Annotated Code-Sec. 27-212(d)) / Insurance Information and Privacy Protection
    • State regulation / Producer regulation (Insurance Article Annotated Code-Sec. 27-212(d)) / Fiduciary Responsibilities (COMAR- Sec. 31.03.03)
    • State regulation / Producer regulation (Insurance Article Annotated Code-Sec. 27-212(d)) / Bail Bond (COMAR- Sec. 31.03.05.02(B)(1); Sec. 31.03.05.05)
    • State regulation / Producer regulation (Insurance Article Annotated Code-Sec. 27-212(d)) / Acting for Unlicensed Insurer
    • State regulation / Producer regulation (Insurance Article Annotated Code-Sec. 27-212(d)) / Record Retention
    • State regulation / Producer regulation (Insurance Article Annotated Code-Sec. 27-212(d)) / Activities of Unlicensed Individual
    • State regulation / Producer regulation (Insurance Article Annotated Code-Sec. 27-212(d)) / Payment and sharing of Commissions
    • State regulation / Producer regulation (Insurance Article Annotated Code-Sec. 27-212(d)) / Charging of fees
    • State regulation / Producer regulation (Insurance Article Annotated Code-Sec. 27-212(d)) / Responsibility for Trust Accounts
    • State regulation / Producer regulation (Insurance Article Annotated Code-Sec. 27-212(d)) / Complaint Record
    • State regulation / Producer regulation (Insurance Article Annotated Code-Sec. 27-212(d)) / Binders (Insurance Article Annotated Code- Sec. 12-106)
    • State regulation / Producer regulation (Insurance Article Annotated Code-Sec. 27-212(d)) / Solvency
    • State regulation / Producer regulation (Insurance Article Annotated Code-Sec. 27-212(d)) / Rates and Forms (Insurance Article Annotated Code -Title 11, Subtitle. 3.Competitive Rating --Rates; Title 11, Subtitle 2. Prior Approval of Policy Forms--Section 11-206(a) on Policy forms)
    • State regulation / Producer regulation (Insurance Article Annotated Code-Sec. 27-212(d)) / Impersonation
    • State regulation / Producer regulation (Insurance Article Annotated Code-Sec. 27-212(d)) / Larceny
    • State regulation / Producer regulation (Insurance Article Annotated Code-Sec. 27-212(d)) / Unlicensed persons compensation
    • State regulation / Unfair or deceptive insurance practices (Insurance Article Annotated Code-Sec. 19-107(a)(2); Sec. 27-501; Sec. 27-213, 212)
    • State regulation / Unfair or deceptive insurance practices (Insurance Article Annotated Code-Sec. 19-107(a)(2); Sec. 27-501; Sec. 27-213, 212) / Misrepresentation
    • State regulation / Unfair or deceptive insurance practices (Insurance Article Annotated Code-Sec. 19-107(a)(2); Sec. 27-501; Sec. 27-213, 212) / False advertising
    • State regulation / Unfair or deceptive insurance practices (Insurance Article Annotated Code-Sec. 19-107(a)(2); Sec. 27-501; Sec. 27-213, 212) / Defamation of insurer
    • State regulation / Unfair or deceptive insurance practices (Insurance Article Annotated Code-Sec. 19-107(a)(2); Sec. 27-501; Sec. 27-213, 212) / Boycott, coercion and intimidation
    • State regulation / Unfair or deceptive insurance practices (Insurance Article Annotated Code-Sec. 19-107(a)(2); Sec. 27-501; Sec. 27-213, 212) / False financial statements
    • State regulation / Unfair or deceptive insurance practices (Insurance Article Annotated Code-Sec. 19-107(a)(2); Sec. 27-501; Sec. 27-213, 212) / Failure to maintain complaint record
    • State regulation / Unfair or deceptive insurance practices (Insurance Article Annotated Code-Sec. 19-107(a)(2); Sec. 27-501; Sec. 27-213, 212) / Unfair discrimination (Insurance Article Annotated Code-Sec. 19-107(a)(2); Sec. 27-501; Sec. 27-213, 212)
    • State regulation / Unfair or deceptive insurance practices (Insurance Article Annotated Code-Sec. 19-107(a)(2); Sec. 27-501; Sec. 27-213, 212) / Unfair claims settlement practices
    • State regulation / Unfair or deceptive insurance practices (Insurance Article Annotated Code-Sec. 19-107(a)(2); Sec. 27-501; Sec. 27-213, 212) / Rebating
    • State regulation / Insurance fraud regulation
    • State regulation / Insurance Information and Privacy Protection
    • State regulation / Competitive Rating
    • Federal regulation
    • Federal regulation / Fair Credit Reporting Act (15 USC 1681–1681d; Insurance Article Annotated Code- Sec. 27-501)
    • Federal regulation / Fraud and false statements including 1033 waiver (18 USC 1033, 1034)
    • Maryland laws, regulations and required provisions
    • Maryland laws, regulations and required provisions / Maryland Insurers Insolvency Fund
    • Maryland laws, regulations and required provisions / Cancellation and nonrenewal (Insurance Article Annotated Code- Sec. 27-609)
    • Maryland laws, regulations and required provisions / Concealment, misrepresentation or fraud
    • Maryland laws, regulations and required provisions / Appraisal
    • Maryland laws, regulations and required provisions / Federal Terrorism Insurance Program
    • Maryland auto insurance policy
    • Maryland auto insurance policy / State Auto Insurance Laws & Regulations
    • Maryland auto insurance policy / State Auto Insurance Laws & Regulations / State Required Limits of Liability (Insurance Article Annotated Code- Sec. 19-512; Sec. 19-504.1(3)(ii); Sec. 19-106; Sec. 17-103)
    • Maryland auto insurance policy / State Auto Insurance Laws & Regulations / Uninsured/Underinsured Motorist (Insurance Article Annotated Code- Sec. 19-509; COMAR- Sec. 31.15.10.03)
    • Maryland auto insurance policy / Definitions
    • Maryland auto insurance policy / Compulsory coverage
    • Maryland auto insurance policy / Compulsory coverage / Bodily injury to others
    • Maryland auto insurance policy / Compulsory coverage / Personal injury protection (Insurance Article Annotated Code- Sec. 19-505; Sec. 19-506; COMAR-Sec. 31.15.07.05)
    • Maryland auto insurance policy / Compulsory coverage / Personal injury protection (Insurance Article Annotated Code- Sec. 19-505; Sec. 19-506; COMAR-Sec. 31.15.07.05) / Benefits/waivers
    • Maryland auto insurance policy / Compulsory coverage / Personal injury protection (Insurance Article Annotated Code- Sec. 19-505; Sec. 19-506; COMAR-Sec. 31.15.07.05) / Exclusions
    • Maryland auto insurance policy / Compulsory coverage / Damage to someone else's property
    • Maryland auto insurance policy / Uninsured/underinsured motorist (Insurance Article Annotated Code- Sec. 19-509; COMAR- Sec. 31.15.10.03)
    • Maryland auto insurance policy / Coverage for damage to your auto
    • Maryland auto insurance policy / Coverage for damage to your auto / Medical payments
    • Maryland auto insurance policy / Coverage for damage to your auto / Collision
    • Maryland auto insurance policy / Coverage for damage to your auto / Limited collision
    • Maryland auto insurance policy / Coverage for damage to your auto / Comprehensive
    • Maryland auto insurance policy / Coverage for damage to your auto / Deductibles
    • Maryland auto insurance policy / Coverage for damage to your auto / Substitute transportation
    • Maryland auto insurance policy / Coverage for damage to your auto / Towing and labor
    • Maryland auto insurance policy / General provisions
    • Maryland auto insurance policy / Duties after an accident or loss
    • Maryland auto insurance policy / Selected endorsements
    • Maryland auto insurance policy / Selected endorsements / Use of other autos — vehicles furnished or available for regular use
    • Maryland auto insurance policy / Selected endorsements / Coverage for anyone renting an auto to you additional insured — lessor
    • Maryland auto insurance policy / Selected endorsements / Named Driver Exclusion
    • Maryland auto insurance policy / Selected endorsements / Maryland Automobile Insurance Fund (MAIF) (Insurance Article Annotated Code- Sec. 20-501(b); Sec. 20-502; Sec. 20-509(e-1)(ii); Sec. 20-201; Sec. 20-511)
    • Maryland auto insurance policy / Selected endorsements / Mobile home
    • Maryland auto insurance policy / Selected endorsements / Waiver of deductible
    • Workers compensation laws
    • Workers compensation laws / Types of laws
    • Workers compensation laws / Types of laws / Monopolistic versus competitive
    • Workers compensation laws / Types of laws / Compulsory versus elective
    • Workers compensation laws / Maryland Workers Compensation Act (Glossary of Insurance Terms; Insurance Article Annotated Code- Sec. 19-402; Sec. 27-601; Sec. 19-404; Sec. 19-406; Sec. 25-301; Sec. 19-405; Sec. 9-209; Sec. 9-201; Sec. 9-506)
    • Workers compensation laws / Maryland Workers Compensation Act (Glossary of Insurance Terms; Insurance Article Annotated Code- Sec. 19-402; Sec. 27-601; Sec. 19-404; Sec. 19-406; Sec. 25-301; Sec. 19-405; Sec. 9-209; Sec. 9-201; Sec. 9-506) / Employer's Liability
    • Workers compensation laws / Maryland Workers Compensation Act (Glossary of Insurance Terms; Insurance Article Annotated Code- Sec. 19-402; Sec. 27-601; Sec. 19-404; Sec. 19-406; Sec. 25-301; Sec. 19-405; Sec. 9-209; Sec. 9-201; Sec. 9-506) / Covered Employees
    • Workers compensation laws / Maryland Workers Compensation Act (Glossary of Insurance Terms; Insurance Article Annotated Code- Sec. 19-402; Sec. 27-601; Sec. 19-404; Sec. 19-406; Sec. 25-301; Sec. 19-405; Sec. 9-209; Sec. 9-201; Sec. 9-506) / Exclusive remedy
    • Workers compensation laws / Maryland Workers Compensation Act (Glossary of Insurance Terms; Insurance Article Annotated Code- Sec. 19-402; Sec. 27-601; Sec. 19-404; Sec. 19-406; Sec. 25-301; Sec. 19-405; Sec. 9-209; Sec. 9-201; Sec. 9-506) / Employment covered (required, voluntary)
    • Workers compensation laws / Maryland Workers Compensation Act (Glossary of Insurance Terms; Insurance Article Annotated Code- Sec. 19-402; Sec. 27-601; Sec. 19-404; Sec. 19-406; Sec. 25-301; Sec. 19-405; Sec. 9-209; Sec. 9-201; Sec. 9-506) / Covered injuries
    • Workers compensation laws / Maryland Workers Compensation Act (Glossary of Insurance Terms; Insurance Article Annotated Code- Sec. 19-402; Sec. 27-601; Sec. 19-404; Sec. 19-406; Sec. 25-301; Sec. 19-405; Sec. 9-209; Sec. 9-201; Sec. 9-506) / Occupational disease
    • Workers compensation laws / Maryland Workers Compensation Act (Glossary of Insurance Terms; Insurance Article Annotated Code- Sec. 19-402; Sec. 27-601; Sec. 19-404; Sec. 19-406; Sec. 25-301; Sec. 19-405; Sec. 9-209; Sec. 9-201; Sec. 9-506) / Benefits provided
    • Workers compensation laws / Maryland Workers Compensation Act (Glossary of Insurance Terms; Insurance Article Annotated Code- Sec. 19-402; Sec. 27-601; Sec. 19-404; Sec. 19-406; Sec. 25-301; Sec. 19-405; Sec. 9-209; Sec. 9-201; Sec. 9-506) / Subsequent injury fund
    • Workers compensation laws / Maryland Workers Compensation Act (Glossary of Insurance Terms; Insurance Article Annotated Code- Sec. 19-402; Sec. 27-601; Sec. 19-404; Sec. 19-406; Sec. 25-301; Sec. 19-405; Sec. 9-209; Sec. 9-201; Sec. 9-506) / Large deductible programs
    • Workers compensation laws / Maryland Workers Compensation Act (Glossary of Insurance Terms; Insurance Article Annotated Code- Sec. 19-402; Sec. 27-601; Sec. 19-404; Sec. 19-406; Sec. 25-301; Sec. 19-405; Sec. 9-209; Sec. 9-201; Sec. 9-506) / Subrogation
    • Workers compensation laws / Federal workers compensation laws
    • Workers compensation laws / Federal workers compensation laws / Federal Employers Liability Act (FELA) (45 USC 51–60)
    • Workers compensation laws / Federal workers compensation laws / U.S. Longshore and Harbor Workers' Compensation Act (33 USC 904)
    • Workers compensation laws / Federal workers compensation laws / U.S. Longshore and Harbor Workers' Compensation Act (33 USC 904) / The Jones Act (46 USC 30104)
  • General Insurance 9% (7 items)
    • Concepts
    • Concepts / Risk management key terms
    • Concepts / Risk management key terms / Risk
    • Concepts / Risk management key terms / Exposure
    • Concepts / Risk management key terms / Hazard
    • Concepts / Risk management key terms / Peril
    • Concepts / Risk management key terms / Loss
    • Concepts / Methods of handling risk
    • Concepts / Methods of handling risk / Avoidance
    • Concepts / Methods of handling risk / Retention
    • Concepts / Methods of handling risk / Sharing
    • Concepts / Methods of handling risk / Reduction
    • Concepts / Methods of handling risk / Transfer
    • Concepts / Elements of insurable risks
    • Concepts / Adverse selection
    • Concepts / Law of large numbers
    • Concepts / Reinsurance
    • Insurers
    • Insurers / Types of insurers
    • Insurers / Types of insurers / Stock companies
    • Insurers / Types of insurers / Mutual companies
    • Insurers / Types of insurers / Fraternal benefit societies
    • Insurers / Types of insurers / Risk retention and risk purchasing groups
    • Insurers / Types of insurers / Self-insurance groups
    • Insurers / Surplus Lines Carriers
    • Insurers / Purchasing Groups
    • Insurers / Private versus government insurers
    • Insurers / Admitted versus nonadmitted insurers
    • Insurers / Domestic, foreign and alien insurers
    • Insurers / Financial status (independent rating services)
    • Insurers / Marketing (distribution) systems
    • Producers and general rules of agency
    • Producers and general rules of agency / Types
    • Producers and general rules of agency / Types / Captive
    • Producers and general rules of agency / Types / Independent
    • Producers and general rules of agency / Insurer as principal
    • Producers and general rules of agency / Producer/insurer relationship
    • Producers and general rules of agency / Authority and powers of producers
    • Producers and general rules of agency / Authority and powers of producers / Express
    • Producers and general rules of agency / Authority and powers of producers / Implied
    • Producers and general rules of agency / Authority and powers of producers / Apparent
    • Producers and general rules of agency / Responsibilities to the applicant/insured
    • Contracts
    • Contracts / Elements of a legal contract
    • Contracts / Elements of a legal contract / Offer and acceptance
    • Contracts / Elements of a legal contract / Consideration
    • Contracts / Elements of a legal contract / Competent parties
    • Contracts / Elements of a legal contract / Legal purpose
    • Contracts / Distinct characteristics of an insurance contract
    • Contracts / Distinct characteristics of an insurance contract / Contract of adhesion
    • Contracts / Distinct characteristics of an insurance contract / Aleatory contract
    • Contracts / Distinct characteristics of an insurance contract / Personal contract
    • Contracts / Distinct characteristics of an insurance contract / Unilateral contract
    • Contracts / Distinct characteristics of an insurance contract / Conditional contract
    • Contracts / Legal interpretations affecting contracts
    • Contracts / Legal interpretations affecting contracts / Ambiguities in a contract of adhesion
    • Contracts / Legal interpretations affecting contracts / Reasonable expectations
    • Contracts / Legal interpretations affecting contracts / Indemnity
    • Contracts / Legal interpretations affecting contracts / Utmost good faith
    • Contracts / Legal interpretations affecting contracts / Representations/misrepresentations
    • Contracts / Legal interpretations affecting contracts / Warranties
    • Contracts / Legal interpretations affecting contracts / Concealment
    • Contracts / Legal interpretations affecting contracts / Fraud
    • Contracts / Legal interpretations affecting contracts / Waiver and estoppel
  • Casualty Insurance Basics 19% (15 items)
    • Principles and concepts
    • Principles and concepts / Insurable interest
    • Principles and concepts / Underwriting
    • Principles and concepts / Underwriting / Function
    • Principles and concepts / Underwriting / Expense ratio, combined ratio
    • Principles and concepts / Underwriting / Loss ratio
    • Principles and concepts / Rates
    • Principles and concepts / Rates / Types
    • Principles and concepts / Rates / Loss costs
    • Principles and concepts / Rates / Components
    • Principles and concepts / Hazards
    • Principles and concepts / Hazards / Physical
    • Principles and concepts / Hazards / Moral
    • Principles and concepts / Hazards / Morale
    • Principles and concepts / Hazards / Torts
    • Principles and concepts / Negligence
    • Principles and concepts / Negligence / Elements of a negligent act
    • Principles and concepts / Negligence / Defenses against negligence
    • Principles and concepts / Damages
    • Principles and concepts / Damages / Compensatory — special versus general
    • Principles and concepts / Damages / Punitive
    • Principles and concepts / Absolute liability
    • Principles and concepts / Strict liability
    • Principles and concepts / Vicarious liability
    • Principles and concepts / Attractive nuisance
    • Policy structure
    • Policy structure / Declarations
    • Policy structure / Definitions
    • Policy structure / Insuring agreement or clause
    • Policy structure / Additional/supplementary coverage
    • Policy structure / Conditions
    • Policy structure / Exclusions
    • Policy structure / Endorsements
    • Common policy provisions
    • Common policy provisions / Insureds — named, first named, additional
    • Common policy provisions / Policy period
    • Common policy provisions / Policy territory
    • Common policy provisions / Cancellation and nonrenewal
    • Common policy provisions / Deductibles
    • Common policy provisions / Other insurance
    • Common policy provisions / Other insurance / Nonconcurrency
    • Common policy provisions / Other insurance / Primary and excess
    • Common policy provisions / Other insurance / Pro rata share
    • Common policy provisions / Other insurance / Contribution by equal shares
    • Common policy provisions / Limits of liability
    • Common policy provisions / Limits of liability / Per occurrence (accident)
    • Common policy provisions / Limits of liability / Per person
    • Common policy provisions / Limits of liability / Aggregate — general versus products — completed operations
    • Common policy provisions / Limits of liability / Split
    • Common policy provisions / Limits of liability / Combined single
    • Common policy provisions / Restoration - Non-Reduction of Limits
    • Common policy provisions / Named insured provisions
    • Common policy provisions / Named insured provisions / Duties after loss
    • Common policy provisions / Named insured provisions / Assignment
    • Common policy provisions / Named insured provisions / Abandonment
    • Common policy provisions / Insurer provisions
    • Common policy provisions / Insurer provisions / Liberalization
    • Common policy provisions / Insurer provisions / Subrogation
    • Common policy provisions / Insurer provisions / Salvage
    • Common policy provisions / Insurer provisions / Claim settlement options
    • Common policy provisions / Insurer provisions / Duty to defend
    • Common policy provisions / Third Party Provisions
    • Common policy provisions / Third Party Provisions / Standard mortgage clause
    • Common policy provisions / Third Party Provisions / Loss payable clause
    • Common policy provisions / Third Party Provisions / No benefit to the bailee
    • Common policy provisions / Subrogation
    • Common policy provisions / Arbitration/Mediation
  • Homeowners Policy 4% (3 items)
    • Coverage forms
    • Coverage forms / HO-2 through HO-6
    • Definitions
    • Section II — Liability coverages
    • Section II — Liability coverages / Coverage E — Personal liability
    • Section II — Liability coverages / Coverage F — Medical payments to others
    • Section II — Liability coverages / Additional coverages
    • Exclusions
    • Conditions
    • Selected endorsements
    • Selected endorsements / Special provisions — Maryland
    • Selected endorsements / Limited fungi, wet or dry rot, or bacteria coverage
    • Selected endorsements / Permitted incidental occupancies — residence premises
    • Selected endorsements / Home day care
    • Selected endorsements / Tenants relocation expense — Maryland
    • Selected endorsements / Lead poisoning exclusion — Maryland
    • Selected endorsements / Coverage for lead poisoning — Maryland
    • Selected endorsements / Business pursuits
    • Selected endorsements / Watercraft
    • Selected endorsements / Personal injury
  • Auto Insurance 11% (9 items)
    • Laws
    • Laws / Maryland Compulsory Motor Vehicle Liability Insurance
    • Laws / Maryland Compulsory Motor Vehicle Liability Insurance / Required limits of liability
    • Laws / Maryland Compulsory Motor Vehicle Liability Insurance / Required proof of insurance
    • Laws / Maryland Assigned Risk Plan
    • Laws / Personal injury protection
    • Laws / Personal injury protection / Medical
    • Laws / Personal injury protection / Loss of income/Lost wages
    • Laws / Personal injury protection / Death
    • Laws / Personal injury protection / Funeral
    • Laws / Personal injury protection / Replacement services
    • Laws / Uninsured/underinsured motorist
    • Laws / Uninsured/underinsured motorist / Definitions
    • Laws / Uninsured/underinsured motorist / Bodily injury
    • Laws / Uninsured/underinsured motorist / Required limits
    • Laws / Cancellation/nonrenewal
    • Laws / Cancellation/nonrenewal / Grounds
    • Laws / Cancellation/nonrenewal / Notice
    • Laws / Cancellation/nonrenewal / Notice of eligibility in assigned risk plan
    • Laws / Aftermarket parts regulation
    • Laws / Regulation of rates for motor vehicle insurance
    • Laws / Private passenger motor vehicle insurance rates
    • Personal Auto Policy
    • Personal Auto Policy / Definitions
    • Personal Auto Policy / Liability
    • Personal Auto Policy / Cancellation/Non-Renewal/Renewal
    • Personal Auto Policy / Cancellation/Non-Renewal/Renewal / Grounds
    • Personal Auto Policy / Cancellation/Non-Renewal/Renewal / Notice
    • Personal Auto Policy / Cancellation/Non-Renewal/Renewal / Bodily injury and property damage
    • Personal Auto Policy / Cancellation/Non-Renewal/Renewal / Supplementary payments
    • Personal Auto Policy / Cancellation/Non-Renewal/Renewal / Exclusions
    • Personal Auto Policy / Medical Payments
    • Personal Auto Policy / Physical Damage
    • Personal Auto Policy / Physical Damage / Collision
    • Personal Auto Policy / Physical Damage / Other than collision
    • Personal Auto Policy / Physical Damage / Deductibles
    • Personal Auto Policy / Physical Damage / Transportation expenses
    • Personal Auto Policy / Physical Damage / Exclusions
    • Personal Auto Policy / Protection Against Uninsured/Underinsured Motorists
    • Personal Auto Policy / General Provisions
    • Personal Auto Policy / Conditions
    • Personal Auto Policy / Duties After an Accident or Loss
    • Personal Auto Policy / Endorsements
    • Personal Auto Policy / Endorsements / Towing and labor costs
    • Personal Auto Policy / Endorsements / Miscellaneous type vehicle
    • Personal Auto Policy / Endorsements / Joint ownership coverage
    • Commercial auto
    • Commercial auto / Commercial auto coverage forms
    • Commercial auto / Commercial auto coverage forms / Business auto
    • Commercial auto / Commercial auto coverage forms / Policy Definitions
    • Commercial auto / Commercial auto coverage forms / Policy Period and Territory
    • Commercial auto / Commercial auto coverage forms / PIP Coverage
    • Commercial auto / Commercial auto coverage forms / Medical Payments
    • Commercial auto / Commercial auto coverage forms / Protection Against Uninsured/Underinsured Motorists
    • Commercial auto / Commercial auto coverage forms / Garage
    • Commercial auto / Commercial auto coverage forms / Truckers
    • Commercial auto / Coverage form sections
    • Commercial auto / Coverage form sections / Covered autos
    • Commercial auto / Coverage form sections / Liability coverage
    • Commercial auto / Coverage form sections / Garagekeepers coverage
    • Commercial auto / Coverage form sections / Trailer interchange coverage
    • Commercial auto / Coverage form sections / Physical damage coverage
    • Commercial auto / Coverage form sections / Exclusions
    • Commercial auto / Coverage form sections / Conditions
    • Commercial auto / Coverage form sections / Definitions
    • Commercial auto / Selected endorsements
    • Commercial auto / Selected endorsements / Lessor (additional insured and loss payee)
    • Commercial auto / Selected endorsements / Individual named insured
    • Commercial auto / Selected endorsements / Endorsement for motor carrier policies of insurance for public liability
    • Commercial auto / Selected endorsements / Mobile equipment
    • Commercial auto / Selected endorsements / Lessor — additional insured and loss payee — Maryland
    • Commercial auto / Selected endorsements / Drive other car coverage
    • Commercial auto / Commercial carrier regulation
    • Commercial auto / Commercial carrier regulation / The Motor Carrier Act of 1980
    • Commercial auto / Commercial carrier regulation / Endorsement for motor carrier policies of insurance for public liability (MCS-90)
  • Commercial Package Policy (CPP) 9% (7 items)
    • Components of a commercial policy
    • Components of a commercial policy / Common policy declarations
    • Components of a commercial policy / Common policy conditions
    • Components of a commercial policy / Interline endorsements
    • Components of a commercial policy / One or more coverage parts
    • Commercial general liability
    • Commercial general liability / Commercial general liability coverage forms
    • Commercial general liability / Commercial general liability coverage forms / Bodily injury and property damage liability
    • Commercial general liability / Commercial general liability coverage forms / Personal and advertising injury liability
    • Commercial general liability / Commercial general liability coverage forms / Medical payments
    • Commercial general liability / Commercial general liability coverage forms / Exclusions
    • Commercial general liability / Commercial general liability coverage forms / Supplementary payments
    • Commercial general liability / Commercial general liability coverage forms / Who is an insured
    • Commercial general liability / Commercial general liability coverage forms / Limits of insurance
    • Commercial general liability / Commercial general liability coverage forms / Conditions
    • Commercial general liability / Commercial general liability coverage forms / Definitions
    • Commercial general liability / Occurrence versus claims-made
    • Commercial general liability / Claims-made features
    • Commercial general liability / Claims-made features / Trigger
    • Commercial general liability / Claims-made features / Retroactive date
    • Commercial general liability / Claims-made features / Extended reporting periods — basic versus supplemental
    • Commercial general liability / Claims-made features / Claim information
    • Commercial general liability / Defense within limits versus open limits
    • Commercial general liability / Premises and operations
    • Commercial general liability / Products and completed operations
    • Commercial general liability / Insured Contracts
    • Commercial general liability / Selected endorsement
    • Commercial general liability / Selected endorsement / Limited fungi or bacteria coverage
    • Commercial crime
    • Commercial crime / General definitions
    • Commercial crime / General definitions / Burglary
    • Commercial crime / General definitions / Theft
    • Commercial crime / General definitions / Robbery
    • Commercial crime / Crime coverage forms
    • Commercial crime / Crime coverage forms / Commercial crime coverage forms (discovery/loss sustained)
    • Commercial crime / Crime coverage forms / Government crime coverage forms (discovery/loss sustained)
    • Commercial crime / Coverages
    • Commercial crime / Coverages / Employee theft
    • Commercial crime / Coverages / Forgery or alteration
    • Commercial crime / Coverages / Inside the premises — theft of money and securities
    • Commercial crime / Coverages / Inside the premises — robbery or safe burglary of other property
    • Commercial crime / Coverages / Outside the premises
    • Commercial crime / Coverages / Computer fraud
    • Commercial crime / Coverages / Funds transfer fraud
    • Commercial crime / Coverages / Money orders and counterfeit money
    • Commercial crime / Other crime coverages
    • Commercial crime / Other crime coverages / Kidnap/ransom and extortion
    • Commercial crime / Other crime coverages / Extortion — commercial entities
    • Commercial crime / Other crime coverages / Lessees of safe deposit boxes
    • Commercial crime / Other crime coverages / Securities deposited with others
    • Commercial crime / Other crime coverages / Guests' property
    • Commercial crime / Other crime coverages / Safe depository
    • Farm coverage
    • Farm coverage / Farm liability coverage form
    • Farm coverage / Farm liability coverage form / Coverage H — Bodily injury and property damage liability
    • Farm coverage / Farm liability coverage form / Coverage I — Personal and advertising injury liability
    • Farm coverage / Farm liability coverage form / Coverage J — Medical payments
    • Farm coverage / Definitions
    • Farm coverage / Conditions
    • Farm coverage / Exclusions
    • Farm coverage / Limits
    • Farm coverage / Additional coverages
  • Businessowners Policy 4% (3 items)
    • Characteristics and purpose
    • Businessowners Section II — Liability
    • Businessowners Section II — Liability / Coverages
    • Businessowners Section II — Liability / Exclusions
    • Businessowners Section II — Liability / Who is an insured
    • Businessowners Section II — Liability / Limits of insurance
    • Businessowners Section II — Liability / General conditions
    • Businessowners Section II — Liability / Definitions
    • Businessowners Section III — Common Policy Conditions
    • Selected endorsements
    • Selected endorsements / Hired auto and non-owned auto liability
  • Workers Compensation Insurance 4% (3 items)
    • General Requirements
    • General Requirements / Employer's Liability
    • General Requirements / Covered Employees
    • General Requirements / Benefits Provided
    • General Requirements / Policy Structure
    • General Requirements / Policy Structure / Covered states
    • General Requirements / Policy Structure / Other states coverage
    • General Requirements / Deductibles
    • Workers compensation and employers liability insurance policy
    • Workers compensation and employers liability insurance policy / General section
    • Workers compensation and employers liability insurance policy / Part One — Workers compensation insurance
    • Workers compensation and employers liability insurance policy / Part Two — Employers liability insurance
    • Workers compensation and employers liability insurance policy / Part Three — Other states insurance
    • Workers compensation and employers liability insurance policy / Part Four — Your duties if injury occurs
    • Workers compensation and employers liability insurance policy / Part Five — Premium
    • Workers compensation and employers liability insurance policy / Part Six — Conditions
    • Workers compensation and employers liability insurance policy / Selected endorsement
    • Workers compensation and employers liability insurance policy / Selected endorsement / Voluntary compensation
    • Premium computation
    • Premium computation / Job classification — payroll and rates
    • Premium computation / Experience modification factor
    • Premium computation / Premium discounts
    • Other sources of coverage
    • Other sources of coverage / Assigned risk plan
    • Other sources of coverage / Self-insured employers and employer groups
    • Other sources of coverage / Maryland Workers' Compensation Trust Fund
  • Other Coverages and Options 4% (3 items)
    • Umbrella/excess liability policies
    • Umbrella/excess liability policies / Personal
    • Umbrella/excess liability policies / Commercial
    • Umbrella/excess liability policies / Coverages
    • Umbrella/excess liability policies / Underlying Coverages
    • Umbrella/excess liability policies / Self-Insured Retention
    • Specialty liability insurance
    • Specialty liability insurance / Errors and omissions
    • Specialty liability insurance / Professional liability
    • Specialty liability insurance / Directors and officers liability
    • Specialty liability insurance / Fiduciary liability
    • Specialty liability insurance / Liquor liability
    • Specialty liability insurance / Employment practices liability
    • Specialty liability insurance / Employee benefits liability
    • Surplus lines
    • Surplus lines / Definitions and markets
    • Surplus lines / Licensing requirements
    • Surety bonds
    • Surety bonds / Principal, obligee, surety
    • Surety bonds / Purpose and Type of Surety Bonds
    • Surety bonds / Purpose and Type of Surety Bonds / Contract
    • Surety bonds / Purpose and Type of Surety Bonds / Court
    • Surety bonds / Purpose and Type of Surety Bonds / Public Official
    • Surety bonds / Purpose and Type of Surety Bonds / Miscellaneous
    • Surety bonds / Purpose and Type of Surety Bonds / License and permit
    • Surety bonds / Purpose and Type of Surety Bonds / Judicial
    • Aviation insurance
    • Aviation insurance / Aircraft liability
    • Ocean marine insurance
    • Ocean marine insurance / Protection and indemnity
    • Other policies
    • Other policies / Boatowners
    • Other policies / Boatowners / Personal watecraft
    • Other policies / Boatowners / Recreational vehicles
    • Residual markets
    • Residual markets / Joint Underwriting Association — Liquor Liability
Examination sources

Property and Casualty Producer - Combo

Examination outline
  • Insurance Regulation 30% (36 items)
    • Licensing
    • Licensing / Purpose
    • Licensing / Process (Insurance Article Annotated Code- Sec. 10-115; Sec.10-116; Sec. 10-104)
    • Licensing / Process (Insurance Article Annotated Code- Sec. 10-115; Sec.10-116; Sec. 10-104) / Initial Licensure Qualifications
    • Licensing / Process (Insurance Article Annotated Code- Sec. 10-115; Sec.10-116; Sec. 10-104) / Examination
    • Licensing / Process (Insurance Article Annotated Code- Sec. 10-115; Sec.10-116; Sec. 10-104) / License fee & application
    • Licensing / Process (Insurance Article Annotated Code- Sec. 10-115; Sec.10-116; Sec. 10-104) / Exemptions to Licensure
    • Licensing / Types of licensees
    • Licensing / Types of licensees / Producers
    • Licensing / Types of licensees / Business entity producers
    • Licensing / Types of licensees / Nonresident producers
    • Licensing / Types of licensees / Temporary
    • Licensing / Types of licensees / Advisers
    • Licensing / Types of licensees / Public insurance adjusters
    • Licensing / Portable Electronics Insurance Limited Lines license
    • Licensing / Maintenance and duration (Insurance Article Annotated Code- Sec. 10-116; Sec. 10-117(b)(1))
    • Licensing / Maintenance and duration (Insurance Article Annotated Code- Sec. 10-116; Sec. 10-117(b)(1)) / Reinstatement and renewal
    • Licensing / Maintenance and duration (Insurance Article Annotated Code- Sec. 10-116; Sec. 10-117(b)(1)) / Address change
    • Licensing / Maintenance and duration (Insurance Article Annotated Code- Sec. 10-116; Sec. 10-117(b)(1)) / Reporting of actions
    • Licensing / Maintenance and duration (Insurance Article Annotated Code- Sec. 10-116; Sec. 10-117(b)(1)) / Assumed names
    • Licensing / Maintenance and duration (Insurance Article Annotated Code- Sec. 10-116; Sec. 10-117(b)(1)) / Requirement to report felony convictions
    • Licensing / Maintenance and duration (Insurance Article Annotated Code- Sec. 10-116; Sec. 10-117(b)(1)) / Renewal
    • Licensing / Maintenance and duration (Insurance Article Annotated Code- Sec. 10-116; Sec. 10-117(b)(1)) / Continuing education requirements, exemptions and penalties
    • Licensing / Maintenance and duration (Insurance Article Annotated Code- Sec. 10-116; Sec. 10-117(b)(1)) / Duration and Termination
    • Licensing / Disciplinary actions
    • Licensing / Disciplinary actions / Cease and desist order
    • Licensing / Disciplinary actions / Hearings
    • Licensing / Disciplinary actions / Probation, suspension, revocation, refusal to issue or renew
    • Licensing / Disciplinary actions / Penalties and fines
    • Licensing / Disciplinary actions / Fraud
    • State regulation
    • State regulation / Commissioner's general duties and powers (Insurance Article Annotated Code-Sec. 2-205 (a)(2))
    • State regulation / Commissioner's general duties and powers (Insurance Article Annotated Code-Sec. 2-205 (a)(2)) / State Specific Definitions (Insurance Article Annotated Code- Sec. 10-401; Sec. 27-209; Sec. 27-213; Sec. 10-201; Sec 10-126; Ref: COMAR Sec. 31.08.06.02)
    • State regulation / Insurer Regulation (Insurance Article Annotated Code-Sec. 10-118; COMAR- Sec. 31.15.12.03(B))
    • State regulation / Insurer Regulation (Insurance Article Annotated Code-Sec. 10-118; COMAR- Sec. 31.15.12.03(B)) / Insurance Information and Privacy Protection
    • State regulation / Insurer Regulation (Insurance Article Annotated Code-Sec. 10-118; COMAR- Sec. 31.15.12.03(B)) / Cancellation & Non-Renewal
    • State regulation / Insurer Regulation (Insurance Article Annotated Code-Sec. 10-118; COMAR- Sec. 31.15.12.03(B)) / Cancellation & Non-Renewal / Personal
    • State regulation / Insurer Regulation (Insurance Article Annotated Code-Sec. 10-118; COMAR- Sec. 31.15.12.03(B)) / Cancellation & Non-Renewal / Commercial
    • State regulation / Insurer Regulation (Insurance Article Annotated Code-Sec. 10-118; COMAR- Sec. 31.15.12.03(B)) / Notice of Renewal Premium
    • State regulation / Insurer Regulation (Insurance Article Annotated Code-Sec. 10-118; COMAR- Sec. 31.15.12.03(B)) / Certificate of authority
    • State regulation / Insurer Regulation (Insurance Article Annotated Code-Sec. 10-118; COMAR- Sec. 31.15.12.03(B)) / Binders
    • State regulation / Insurer Regulation (Insurance Article Annotated Code-Sec. 10-118; COMAR- Sec. 31.15.12.03(B)) / Solvency
    • State regulation / Insurer Regulation (Insurance Article Annotated Code-Sec. 10-118; COMAR- Sec. 31.15.12.03(B)) / Rates
    • State regulation / Insurer Regulation (Insurance Article Annotated Code-Sec. 10-118; COMAR- Sec. 31.15.12.03(B)) / Policy forms
    • State regulation / Insurer Regulation (Insurance Article Annotated Code-Sec. 10-118; COMAR- Sec. 31.15.12.03(B)) / Examination of books and records
    • State regulation / Insurer Regulation (Insurance Article Annotated Code-Sec. 10-118; COMAR- Sec. 31.15.12.03(B)) / Producer appointments
    • State regulation / Insurer Regulation (Insurance Article Annotated Code-Sec. 10-118; COMAR- Sec. 31.15.12.03(B)) / Producer appointments / Producer's Contract with Insurer versus Producer's Appointment with Insurer
    • State regulation / Insurer Regulation (Insurance Article Annotated Code-Sec. 10-118; COMAR- Sec. 31.15.12.03(B)) / Producer appointments / Producer's Individual Appointment versus Business Entity Appointment
    • State regulation / Insurer Regulation (Insurance Article Annotated Code-Sec. 10-118; COMAR- Sec. 31.15.12.03(B)) / Producer appointments / Maintaining Record of Appointment Notice
    • State regulation / Insurer Regulation (Insurance Article Annotated Code-Sec. 10-118; COMAR- Sec. 31.15.12.03(B)) / Termination of producer appointment
    • State regulation / Producer regulation (Insurance Article Annotated Code-Sec. 27-212(d))
    • State regulation / Producer regulation (Insurance Article Annotated Code-Sec. 27-212(d)) / Examination of Books and Records
    • State regulation / Producer regulation (Insurance Article Annotated Code-Sec. 27-212(d)) / Insurance Information and Privacy Protection
    • State regulation / Producer regulation (Insurance Article Annotated Code-Sec. 27-212(d)) / Fiduciary Responsibilities (COMAR- Sec. 31.03.03)
    • State regulation / Producer regulation (Insurance Article Annotated Code-Sec. 27-212(d)) / Bail Bond (COMAR- Sec. 31.03.05.02(B)(1); Sec. 31.03.05.05)
    • State regulation / Producer regulation (Insurance Article Annotated Code-Sec. 27-212(d)) / Acting for Unlicensed Insurer
    • State regulation / Producer regulation (Insurance Article Annotated Code-Sec. 27-212(d)) / Record Retention
    • State regulation / Producer regulation (Insurance Article Annotated Code-Sec. 27-212(d)) / Activities of Unlicensed Individual
    • State regulation / Producer regulation (Insurance Article Annotated Code-Sec. 27-212(d)) / Payment and sharing of Commissions
    • State regulation / Producer regulation (Insurance Article Annotated Code-Sec. 27-212(d)) / Charging of fees
    • State regulation / Producer regulation (Insurance Article Annotated Code-Sec. 27-212(d)) / Misrepresentation, twisting, and rebating
    • State regulation / Producer regulation (Insurance Article Annotated Code-Sec. 27-212(d)) / Responsibility for Trust Accounts
    • State regulation / Producer regulation (Insurance Article Annotated Code-Sec. 27-212(d)) / Impersonation
    • State regulation / Producer regulation (Insurance Article Annotated Code-Sec. 27-212(d)) / Larceny
    • State regulation / Producer regulation (Insurance Article Annotated Code-Sec. 27-212(d)) / Unlicensed persons compensation
    • State regulation / Premium Finance Companies/Agreements
    • State regulation / Unfair or deceptive insurance practices (Insurance Article Annotated Code-Sec. 19-107(a)(2); Sec. 27-501; Sec. 27-213, 212)
    • State regulation / Unfair or deceptive insurance practices (Insurance Article Annotated Code-Sec. 19-107(a)(2); Sec. 27-501; Sec. 27-213, 212) / Misrepresentation
    • State regulation / Unfair or deceptive insurance practices (Insurance Article Annotated Code-Sec. 19-107(a)(2); Sec. 27-501; Sec. 27-213, 212) / False advertising
    • State regulation / Unfair or deceptive insurance practices (Insurance Article Annotated Code-Sec. 19-107(a)(2); Sec. 27-501; Sec. 27-213, 212) / Defamation of insurer
    • State regulation / Unfair or deceptive insurance practices (Insurance Article Annotated Code-Sec. 19-107(a)(2); Sec. 27-501; Sec. 27-213, 212) / Boycott, coercion and intimidation
    • State regulation / Unfair or deceptive insurance practices (Insurance Article Annotated Code-Sec. 19-107(a)(2); Sec. 27-501; Sec. 27-213, 212) / False financial statements
    • State regulation / Unfair or deceptive insurance practices (Insurance Article Annotated Code-Sec. 19-107(a)(2); Sec. 27-501; Sec. 27-213, 212) / Failure to maintain complaint record
    • State regulation / Unfair or deceptive insurance practices (Insurance Article Annotated Code-Sec. 19-107(a)(2); Sec. 27-501; Sec. 27-213, 212) / Unfair discrimination (Insurance Article Annotated Code-Sec. 19-107(a)(2); Sec. 27-501; Sec. 27-213, 212)
    • State regulation / Unfair or deceptive insurance practices (Insurance Article Annotated Code-Sec. 19-107(a)(2); Sec. 27-501; Sec. 27-213, 212) / Unfair claims settlement practices
    • State regulation / Unfair or deceptive insurance practices (Insurance Article Annotated Code-Sec. 19-107(a)(2); Sec. 27-501; Sec. 27-213, 212) / Rebating
    • State regulation / Insurance fraud regulation
    • State regulation / Insurance Information and Privacy Protection
    • State regulation / Competitive Rating
    • Federal regulation
    • Federal regulation / Fair Credit Reporting Act (15 USC 1681–1681d; Insurance Article Annotated Code- Sec. 27-501)
    • Federal regulation / Fraud and false statements including 1033 waiver (18 USC 1033, 1034)
    • Maryland laws, regulations and required provisions
    • Maryland laws, regulations and required provisions / Property and Casualty Insurance Guaranty Corporation
    • Maryland laws, regulations and required provisions / Surplus Lines
    • Maryland laws, regulations and required provisions / Homeowners Coverage
    • Maryland laws, regulations and required provisions / Homeowners Coverage / Water backup from sewers and drains
    • Maryland laws, regulations and required provisions / Homeowners Coverage / Cancellation and nonrenewal
    • Maryland laws, regulations and required provisions / Homeowners Coverage / Lead Liability
    • Maryland laws, regulations and required provisions / Maryland Insurers Insolvency Fund
    • Maryland laws, regulations and required provisions / Cancellation and nonrenewal (Insurance Article Annotated Code- Sec. 27-609)
    • Maryland laws, regulations and required provisions / Concealment, misrepresentation or fraud
    • Maryland laws, regulations and required provisions / Appraisal
    • Maryland laws, regulations and required provisions / Federal Terrorism Insurance Program
    • Maryland laws, regulations and required provisions / Joint Insurance Association (JIA)
    • Maryland laws, regulations and required provisions / Fair Credit Reporting Act
    • Maryland laws, regulations and required provisions / Flood Insurance
    • Maryland auto insurance policy
    • Maryland auto insurance policy / State Auto Insurance Laws & Regulations
    • Maryland auto insurance policy / State Auto Insurance Laws & Regulations / State Required Limits of Liability (Insurance Article Annotated Code- Sec. 19-512; Sec. 19-504.1(3)(ii); Sec. 19-106; Sec. 17-103)
    • Maryland auto insurance policy / State Auto Insurance Laws & Regulations / Uninsured/Underinsured Motorist (Insurance Article Annotated Code- Sec. 19-509; COMAR- Sec. 31.15.10.03
    • Maryland auto insurance policy / Definitions
    • Maryland auto insurance policy / Compulsory coverage
    • Maryland auto insurance policy / Compulsory coverage / Bodily injury to others
    • Maryland auto insurance policy / Compulsory coverage / Personal injury protection (Insurance Article Annotated Code- Sec. 19-505; Sec. 19-506; COMAR-Sec. 31.15.07.05)
    • Maryland auto insurance policy / Compulsory coverage / Personal injury protection (Insurance Article Annotated Code- Sec. 19-505; Sec. 19-506; COMAR-Sec. 31.15.07.05) / Benefits/waivers
    • Maryland auto insurance policy / Compulsory coverage / Personal injury protection (Insurance Article Annotated Code- Sec. 19-505; Sec. 19-506; COMAR-Sec. 31.15.07.05) / Exclusions
    • Maryland auto insurance policy / Compulsory coverage / Damage to someone else's property
    • Maryland auto insurance policy / Uninsured/underinsured motorist (Insurance Article Annotated Code- Sec. 19-509; COMAR- Sec. 31.15.10.03)
    • Maryland auto insurance policy / Coverage for damage to your auto
    • Maryland auto insurance policy / Coverage for damage to your auto / Medical payments
    • Maryland auto insurance policy / Coverage for damage to your auto / Collision
    • Maryland auto insurance policy / Coverage for damage to your auto / Limited collision
    • Maryland auto insurance policy / Coverage for damage to your auto / Comprehensive
    • Maryland auto insurance policy / Coverage for damage to your auto / Deductibles
    • Maryland auto insurance policy / Coverage for damage to your auto / Substitute transportation
    • Maryland auto insurance policy / Coverage for damage to your auto / Towing and labor
    • Maryland auto insurance policy / General provisions
    • Maryland auto insurance policy / Duties after an accident or loss
    • Maryland auto insurance policy / Selected endorsements
    • Maryland auto insurance policy / Selected endorsements / Use of other autos — vehicles furnished or available for regular use
    • Maryland auto insurance policy / Selected endorsements / Coverage for anyone renting an auto to you additional insured — lessor
    • Maryland auto insurance policy / Selected endorsements / Named Driver Exclusion
    • Maryland auto insurance policy / Selected endorsements / Maryland Automobile Insurance Fund (MAIF) (Insurance Article Annotated Code- Sec. 20-501(b); Sec. 20-502; Sec. 20-509(e-1)(ii); Sec. 20-201; Sec. 20-511)
    • Maryland auto insurance policy / Selected endorsements / Mobile home
    • Maryland auto insurance policy / Selected endorsements / Waiver of deductible
    • Workers compensation laws
    • Workers compensation laws / Types of laws
    • Workers compensation laws / Types of laws / Monopolistic versus competitive
    • Workers compensation laws / Types of laws / Compulsory versus elective
    • Workers compensation laws / Maryland Workers Compensation Act (Glossary of Insurance Terms; Insurance Article Annotated Code- Sec. 19-402; Sec. 27-601; Sec. 19-404; Sec. 19-406; Sec. 25-301; Sec. 19-405; Sec. 9-209; Sec. 9-201; Sec. 9-506)
    • Workers compensation laws / Maryland Workers Compensation Act (Glossary of Insurance Terms; Insurance Article Annotated Code- Sec. 19-402; Sec. 27-601; Sec. 19-404; Sec. 19-406; Sec. 25-301; Sec. 19-405; Sec. 9-209; Sec. 9-201; Sec. 9-506) / Employer's Liability
    • Workers compensation laws / Maryland Workers Compensation Act (Glossary of Insurance Terms; Insurance Article Annotated Code- Sec. 19-402; Sec. 27-601; Sec. 19-404; Sec. 19-406; Sec. 25-301; Sec. 19-405; Sec. 9-209; Sec. 9-201; Sec. 9-506) / Covered Employees
    • Workers compensation laws / Maryland Workers Compensation Act (Glossary of Insurance Terms; Insurance Article Annotated Code- Sec. 19-402; Sec. 27-601; Sec. 19-404; Sec. 19-406; Sec. 25-301; Sec. 19-405; Sec. 9-209; Sec. 9-201; Sec. 9-506) / Exclusive remedy
    • Workers compensation laws / Maryland Workers Compensation Act (Glossary of Insurance Terms; Insurance Article Annotated Code- Sec. 19-402; Sec. 27-601; Sec. 19-404; Sec. 19-406; Sec. 25-301; Sec. 19-405; Sec. 9-209; Sec. 9-201; Sec. 9-506) / Employment covered (required, voluntary)
    • Workers compensation laws / Maryland Workers Compensation Act (Glossary of Insurance Terms; Insurance Article Annotated Code- Sec. 19-402; Sec. 27-601; Sec. 19-404; Sec. 19-406; Sec. 25-301; Sec. 19-405; Sec. 9-209; Sec. 9-201; Sec. 9-506) / Covered injuries
    • Workers compensation laws / Maryland Workers Compensation Act (Glossary of Insurance Terms; Insurance Article Annotated Code- Sec. 19-402; Sec. 27-601; Sec. 19-404; Sec. 19-406; Sec. 25-301; Sec. 19-405; Sec. 9-209; Sec. 9-201; Sec. 9-506) / Occupational disease
    • Workers compensation laws / Maryland Workers Compensation Act (Glossary of Insurance Terms; Insurance Article Annotated Code- Sec. 19-402; Sec. 27-601; Sec. 19-404; Sec. 19-406; Sec. 25-301; Sec. 19-405; Sec. 9-209; Sec. 9-201; Sec. 9-506) / Benefits provided
    • Workers compensation laws / Maryland Workers Compensation Act (Glossary of Insurance Terms; Insurance Article Annotated Code- Sec. 19-402; Sec. 27-601; Sec. 19-404; Sec. 19-406; Sec. 25-301; Sec. 19-405; Sec. 9-209; Sec. 9-201; Sec. 9-506) / Subsequent injury fund
    • Workers compensation laws / Maryland Workers Compensation Act (Glossary of Insurance Terms; Insurance Article Annotated Code- Sec. 19-402; Sec. 27-601; Sec. 19-404; Sec. 19-406; Sec. 25-301; Sec. 19-405; Sec. 9-209; Sec. 9-201; Sec. 9-506) / Large deductible programs
    • Workers compensation laws / Maryland Workers Compensation Act (Glossary of Insurance Terms; Insurance Article Annotated Code- Sec. 19-402; Sec. 27-601; Sec. 19-404; Sec. 19-406; Sec. 25-301; Sec. 19-405; Sec. 9-209; Sec. 9-201; Sec. 9-506) / Subrogation
    • Workers compensation laws / Federal workers compensation laws
    • Workers compensation laws / Federal workers compensation laws / Federal Employers Liability Act (FELA) (45 USC 51–60)
    • Workers compensation laws / Federal workers compensation laws / U.S. Longshore and Harbor Workers' Compensation Act (33 USC 904)
    • Workers compensation laws / Federal workers compensation laws / U.S. Longshore and Harbor Workers' Compensation Act (33 USC 904) / The Jones Act (46 USC 30104)
  • General Insurance 7% (8 items)
    • Concepts
    • Concepts / Risk management key terms
    • Concepts / Risk management key terms / Risk
    • Concepts / Risk management key terms / Exposure
    • Concepts / Risk management key terms / Hazard
    • Concepts / Risk management key terms / Peril
    • Concepts / Risk management key terms / Loss
    • Concepts / Methods of handling risk
    • Concepts / Methods of handling risk / Avoidance
    • Concepts / Methods of handling risk / Retention
    • Concepts / Methods of handling risk / Sharing
    • Concepts / Methods of handling risk / Reduction
    • Concepts / Methods of handling risk / Transfer
    • Concepts / Elements of insurable risks
    • Concepts / Adverse selection
    • Concepts / Law of large numbers
    • Concepts / Reinsurance
    • Insurers
    • Insurers / Types of insurers
    • Insurers / Types of insurers / Stock companies
    • Insurers / Types of insurers / Mutual companies
    • Insurers / Types of insurers / Fraternal benefit societies
    • Insurers / Types of insurers / Risk retention and risk purchasing groups
    • Insurers / Types of insurers / Surplus Lines Carriers
    • Insurers / Types of insurers / Self-insurance groups
    • Insurers / Purchasing Groups
    • Insurers / Private versus government insurers
    • Insurers / Admitted versus nonadmitted insurers
    • Insurers / Domestic, foreign and alien insurers
    • Insurers / Financial status (independent rating services)
    • Insurers / Marketing (distribution) systems
    • Producers and general rules of agency
    • Producers and general rules of agency / Types
    • Producers and general rules of agency / Types / Captive
    • Producers and general rules of agency / Types / Independent
    • Producers and general rules of agency / Insurer as principal
    • Producers and general rules of agency / Producer/insurer relationship
    • Producers and general rules of agency / Authority and powers of producers
    • Producers and general rules of agency / Authority and powers of producers / Express
    • Producers and general rules of agency / Authority and powers of producers / Implied
    • Producers and general rules of agency / Authority and powers of producers / Apparent
    • Producers and general rules of agency / Responsibilities to the applicant/insured
    • Contracts
    • Contracts / Elements of a legal contract
    • Contracts / Elements of a legal contract / Offer and acceptance
    • Contracts / Elements of a legal contract / Consideration
    • Contracts / Elements of a legal contract / Competent parties
    • Contracts / Elements of a legal contract / Legal purpose
    • Contracts / Distinct characteristics of an insurance contract
    • Contracts / Distinct characteristics of an insurance contract / Contract of adhesion
    • Contracts / Distinct characteristics of an insurance contract / Aleatory contract
    • Contracts / Distinct characteristics of an insurance contract / Personal contract
    • Contracts / Distinct characteristics of an insurance contract / Unilateral contract
    • Contracts / Distinct characteristics of an insurance contract / Conditional contract
    • Contracts / Legal interpretations affecting contracts
    • Contracts / Legal interpretations affecting contracts / Ambiguities in a contract of adhesion
    • Contracts / Legal interpretations affecting contracts / Reasonable expectations
    • Contracts / Legal interpretations affecting contracts / Indemnity
    • Contracts / Legal interpretations affecting contracts / Utmost good faith
    • Contracts / Legal interpretations affecting contracts / Representations/misrepresentations
    • Contracts / Legal interpretations affecting contracts / Warranties
    • Contracts / Legal interpretations affecting contracts / Concealment
    • Contracts / Legal interpretations affecting contracts / Fraud
    • Contracts / Legal interpretations affecting contracts / Waiver and estoppel
  • Property and Casualty Insurance Basics 13% (15 items)
    • Principles and concepts
    • Principles and concepts / Insurable interest
    • Principles and concepts / Underwriting
    • Principles and concepts / Underwriting / Function
    • Principles and concepts / Underwriting / Expense ratio, combined ratio
    • Principles and concepts / Underwriting / Loss ratio
    • Principles and concepts / Rates
    • Principles and concepts / Rates / Types
    • Principles and concepts / Rates / Loss costs
    • Principles and concepts / Rates / Components
    • Principles and concepts / Hazards
    • Principles and concepts / Hazards / Physical
    • Principles and concepts / Hazards / Moral
    • Principles and concepts / Hazards / Morale
    • Principles and concepts / Negligence
    • Principles and concepts / Negligence / Elements of a negligent act
    • Principles and concepts / Negligence / Defenses against negligence
    • Principles and concepts / Causes of loss (perils)
    • Principles and concepts / Named perils versus special (open) perils
    • Principles and concepts / Direct loss
    • Principles and concepts / Consequential or indirect loss
    • Principles and concepts / Blanket versus specific insurance
    • Principles and concepts / Basic types of construction
    • Principles and concepts / Coinsurance
    • Principles and concepts / Loss valuation
    • Principles and concepts / Loss valuation / Actual cash value
    • Principles and concepts / Loss valuation / Replacement cost
    • Principles and concepts / Loss valuation / Functional replacement cost
    • Principles and concepts / Loss valuation / Guaranteed Replacement Cost
    • Principles and concepts / Loss valuation / Market value
    • Principles and concepts / Loss valuation / Agreed value
    • Principles and concepts / Loss valuation / Stated amount
    • Principles and concepts / Loss valuation / Valued policy
    • Principles and concepts / Damages
    • Principles and concepts / Damages / Compensatory — special versus general
    • Principles and concepts / Damages / Punitive
    • Principles and concepts / Absolute liability
    • Principles and concepts / Strict liability
    • Principles and concepts / Vicarious liability
    • Principles and concepts / Attractive nuisance
    • Policy structure
    • Policy structure / Declarations
    • Policy structure / Definitions
    • Policy structure / Insuring agreement or clause
    • Policy structure / Additional/supplementary coverage
    • Policy structure / Conditions
    • Policy structure / Exclusions
    • Policy structure / Endorsements
    • Common policy provisions
    • Common policy provisions / Insureds — named, first named, additional
    • Common policy provisions / Lienholders
    • Common policy provisions / Policy period
    • Common policy provisions / Policy territory
    • Common policy provisions / Cancellation and nonrenewal
    • Common policy provisions / Deductibles
    • Common policy provisions / Other insurance
    • Common policy provisions / Other insurance / Nonconcurrency
    • Common policy provisions / Other insurance / Primary and excess
    • Common policy provisions / Other insurance / Pro rata share
    • Common policy provisions / Other insurance / Contribution by equal shares
    • Common policy provisions / Policy limits
    • Common policy provisions / Limits of liability
    • Common policy provisions / Limits of liability / Per occurrence (accident)
    • Common policy provisions / Limits of liability / Per person
    • Common policy provisions / Limits of liability / Aggregate — general versus products — completed operations
    • Common policy provisions / Limits of liability / Split
    • Common policy provisions / Limits of liability / Combined single
    • Common policy provisions / Restoration/nonreduction of limits
    • Common policy provisions / Coinsurance
    • Common policy provisions / Vacancy or unoccupancy
    • Common policy provisions / Named insured provisions
    • Common policy provisions / Named insured provisions / Duties after loss
    • Common policy provisions / Named insured provisions / Assignment
    • Common policy provisions / Named insured provisions / Abandonment
    • Common policy provisions / Insurer provisions
    • Common policy provisions / Insurer provisions / Liberalization
    • Common policy provisions / Insurer provisions / Appraisal
    • Common policy provisions / Insurer provisions / Subrogation
    • Common policy provisions / Insurer provisions / Salvage
    • Common policy provisions / Insurer provisions / Claim settlement options
    • Common policy provisions / Third-party provisions
    • Common policy provisions / Third-party provisions / Standard mortgage clause
    • Common policy provisions / Third-party provisions / Loss payable clause
    • Common policy provisions / Third-party provisions / No benefit to the bailee
  • Dwelling Policy 8% (10 items)
    • Characteristics and purpose
    • Coverage forms — Perils insured against
    • Coverage forms — Perils insured against / Basic
    • Coverage forms — Perils insured against / Broad
    • Coverage forms — Perils insured against / Special
    • Property coverages
    • Property coverages / Coverage A — Dwelling
    • Property coverages / Coverage B — Other structures
    • Property coverages / Coverage C — Personal property
    • Property coverages / Coverage D — Fair rental value
    • Property coverages / Coverage E — Additional living expense
    • Property coverages / Other coverages
    • General exclusions
    • Conditions
    • Selected endorsements
    • Selected endorsements / Special provisions — Maryland
    • Selected endorsements / Automatic increase in insurance
    • Selected endorsements / Broad theft coverage
    • Selected endorsements / Dwelling under construction
    • Personal liability supplement
  • Homeowners Policy 13% (15 items)
    • Coverage forms
    • Coverage forms / HO-2 through HO-6
    • Definitions
    • Section I — Property coverages
    • Section I — Property coverages / Coverage A — Dwelling
    • Section I — Property coverages / Coverage B — Other structures
    • Section I — Property coverages / Coverage C — Personal property
    • Section I — Property coverages / Coverage D — Loss of use
    • Section I — Property coverages / Additional coverages
    • Section II — Liability coverages
    • Section II — Liability coverages / Coverage E — Personal liability
    • Section II — Liability coverages / Coverage F — Medical payments to others
    • Section II — Liability coverages / Additional coverages
    • Perils insured against
    • Additional Coverages
    • Additional Coverages / Debris Removal
    • Additional Coverages / Trees, Shrubs, and Other Plants
    • Additional Coverages / Fire Department Service Charge
    • Additional Coverages / Property Removed
    • Additional Coverages / Credit Card, Fund Transfer Card, Forgery, and Counterfeit Money
    • Additional Coverages / Loss Assessment
    • Additional Coverages / Glass or Safety Glazing Material
    • Additional Coverages / Landlord's Furnishings
    • Additional Coverages / Building Additions and Alterations
    • Additional Coverages / First Aid Expenses
    • Additional Coverages / Damage to Property of Others
    • Exclusions
    • Exclusions / Lead paint liability abatement
    • Conditions
    • Selected endorsements
    • Selected endorsements / Special provisions — Maryland
    • Selected endorsements / Business Pursuits
    • Selected endorsements / Limited fungi, wet or dry rot, or bacteria coverage
    • Selected endorsements / Permitted incidental occupancies — residence premises
    • Selected endorsements / Earthquake
    • Selected endorsements / Identity fraud expense
    • Selected endorsements / Scheduled personal property
    • Selected endorsements / Personal property replacement cost
    • Selected endorsements / Home day care
    • Selected endorsements / Valuable Papers
    • Selected endorsements / Computers
    • Selected endorsements / Watercraft
    • Selected endorsements / Tenants relocation expense — Maryland
    • Selected endorsements / Lead poisoning exclusion — Maryland
    • Selected endorsements / Coverage for lead poisoning — Maryland
    • Selected endorsements / Business pursuits
    • Selected endorsements / Personal injury
  • Auto Insurance 8% (10 items)
    • Maryland auto insurance policy
    • Maryland auto insurance policy / Definitions
    • Maryland auto insurance policy / Coverage for damage to your auto
    • Maryland auto insurance policy / Coverage for damage to your auto / Collision
    • Maryland auto insurance policy / Coverage for damage to your auto / Limited collision
    • Maryland auto insurance policy / Coverage for damage to your auto / Comprehensive
    • Maryland auto insurance policy / Coverage for damage to your auto / Deductibles
    • Maryland auto insurance policy / Coverage for damage to your auto / Substitute transportation
    • Maryland auto insurance policy / Coverage for damage to your auto / Towing and labor
    • Maryland auto insurance policy / Bodily injury coverage
    • Maryland auto insurance policy / Bodily injury coverage / Personal Injury Protection
    • Maryland auto insurance policy / Bodily injury coverage / Liability/damage to someone else's property
    • Maryland auto insurance policy / General provisions
    • Maryland auto insurance policy / Duties after an accident or loss
    • Maryland auto insurance policy / Selected endorsements
    • Maryland auto insurance policy / Selected endorsements / Maryland mandatory endorsement
    • Maryland auto insurance policy / Selected endorsements / Mobile home
    • Maryland auto insurance policy / Selected endorsements / Waiver of deductible
    • Personal Auto Policy
    • Personal Auto Policy / Definitions
    • Personal Auto Policy / Liability
    • Personal Auto Policy / Cancellation/Non-Renewal/Renewal
    • Personal Auto Policy / Cancellation/Non-Renewal/Renewal / Grounds
    • Personal Auto Policy / Cancellation/Non-Renewal/Renewal / Notice
    • Personal Auto Policy / Cancellation/Non-Renewal/Renewal / Bodily injury and property damage
    • Personal Auto Policy / Cancellation/Non-Renewal/Renewal / Supplementary payments
    • Personal Auto Policy / Cancellation/Non-Renewal/Renewal / Exclusions
    • Personal Auto Policy / Medical Payments
    • Personal Auto Policy / Physical Damage
    • Personal Auto Policy / Physical Damage / Collision
    • Personal Auto Policy / Physical Damage / Other than collision
    • Personal Auto Policy / Physical Damage / Deductibles
    • Personal Auto Policy / Physical Damage / Transportation expenses
    • Personal Auto Policy / Physical Damage / Exclusions
    • Personal Auto Policy / Protection Against Uninsured/Underinsured Motorists
    • Personal Auto Policy / General Provisions
    • Personal Auto Policy / Conditions
    • Personal Auto Policy / Duties After an Accident or Loss
    • Personal Auto Policy / Endorsements
    • Personal Auto Policy / Endorsements / Towing and labor costs
    • Personal Auto Policy / Endorsements / Miscellaneous type vehicle
    • Personal Auto Policy / Endorsements / Joint ownership coverage
    • Commercial auto
    • Commercial auto / Commercial auto coverage forms
    • Commercial auto / Commercial auto coverage forms / Business auto
    • Commercial auto / Commercial auto coverage forms / Policy Definitions
    • Commercial auto / Commercial auto coverage forms / Policy Period and Territory
    • Commercial auto / Commercial auto coverage forms / PIP Coverage
    • Commercial auto / Commercial auto coverage forms / Medical Payments
    • Commercial auto / Commercial auto coverage forms / Protection Against Uninsured/Underinsured Motorists
    • Commercial auto / Commercial auto coverage forms / Garage
    • Commercial auto / Commercial auto coverage forms / Truckers
    • Commercial auto / Coverage form sections
    • Commercial auto / Coverage form sections / Covered autos
    • Commercial auto / Coverage form sections / Liability coverage
    • Commercial auto / Coverage form sections / Garagekeepers coverage
    • Commercial auto / Coverage form sections / Trailer interchange coverage
    • Commercial auto / Coverage form sections / Physical damage coverage
    • Commercial auto / Coverage form sections / Exclusions
    • Commercial auto / Coverage form sections / Conditions
    • Commercial auto / Coverage form sections / Definitions
    • Commercial auto / Selected endorsements
    • Commercial auto / Selected endorsements / Individual named insured
    • Commercial auto / Selected endorsements / Mobile equipment
    • Commercial auto / Selected endorsements / Lessor — additional insured and loss payee — Maryland
    • Commercial auto / Selected endorsements / Drive other car coverage
    • Commercial auto / Commercial carrier regulation
    • Commercial auto / Commercial carrier regulation / Endorsement for motor carrier policies of insurance for public liability
  • Commercial Package Policy (CPP) 13% (15 items)
    • Components of a commercial policy
    • Components of a commercial policy / Common policy declarations
    • Components of a commercial policy / Common policy conditions
    • Components of a commercial policy / Interline endorsements
    • Components of a commercial policy / One or more coverage parts
    • Commercial general liability
    • Commercial general liability / Commercial general liability coverage forms
    • Commercial general liability / Commercial general liability coverage forms / Bodily injury and property damage liability
    • Commercial general liability / Commercial general liability coverage forms / Personal and advertising injury liability
    • Commercial general liability / Commercial general liability coverage forms / Medical payments
    • Commercial general liability / Commercial general liability coverage forms / Exclusions
    • Commercial general liability / Commercial general liability coverage forms / Supplementary payments
    • Commercial general liability / Commercial general liability coverage forms / Who is an insured
    • Commercial general liability / Commercial general liability coverage forms / Limits of insurance
    • Commercial general liability / Commercial general liability coverage forms / Conditions
    • Commercial general liability / Commercial general liability coverage forms / Definitions
    • Commercial general liability / Occurrence versus claims-made
    • Commercial general liability / Claims-made features
    • Commercial general liability / Claims-made features / Trigger
    • Commercial general liability / Claims-made features / Retroactive date
    • Commercial general liability / Claims-made features / Extended reporting periods — basic versus supplemental
    • Commercial general liability / Claims-made features / Claim information
    • Commercial general liability / Defense within limits versus open limits
    • Commercial general liability / Premises and operations
    • Commercial general liability / Products and completed operations
    • Commercial general liability / Insured Contracts
    • Commercial general liability / Selected endorsement
    • Commercial general liability / Selected endorsement / Limited fungi or bacteria coverage
    • Commercial property
    • Commercial property / Commercial property conditions form
    • Commercial property / Coverage forms
    • Commercial property / Coverage forms / Building and personal property
    • Commercial property / Coverage forms / Condominium association
    • Commercial property / Coverage forms / Condominium commercial unit-owners
    • Commercial property / Coverage forms / Builders risk
    • Commercial property / Coverage forms / Business income
    • Commercial property / Coverage forms / Legal liability
    • Commercial property / Coverage forms / Extra expense
    • Commercial property / Causes of loss forms
    • Commercial property / Causes of loss forms / Basic
    • Commercial property / Causes of loss forms / Broad
    • Commercial property / Causes of loss forms / Special
    • Commercial property / Causes of loss forms / Earthquake
    • Commercial property / Selected endorsements
    • Commercial property / Selected endorsements / Ordinance or law
    • Commercial property / Selected endorsements / Spoilage
    • Commercial property / Selected endorsements / Peak season limit of insurance
    • Commercial property / Selected endorsements / Protective Safeguards
    • Commercial property / Selected endorsements / Value reporting form
    • Commercial inland marine
    • Commercial inland marine / Nationwide marine definition
    • Commercial inland marine / Commercial inland marine conditions form
    • Commercial inland marine / Inland marine coverage forms
    • Commercial inland marine / Inland marine coverage forms / Accounts receivable
    • Commercial inland marine / Inland marine coverage forms / Bailee's customer
    • Commercial inland marine / Inland marine coverage forms / Commercial articles
    • Commercial inland marine / Inland marine coverage forms / Contractors equipment floater
    • Commercial inland marine / Inland marine coverage forms / Electronic data processing
    • Commercial inland marine / Inland marine coverage forms / Equipment dealers
    • Commercial inland marine / Inland marine coverage forms / Installation floater
    • Commercial inland marine / Inland marine coverage forms / Jewelers block
    • Commercial inland marine / Inland marine coverage forms / Signs
    • Commercial inland marine / Inland marine coverage forms / Valuable papers and records
    • Commercial inland marine / Transportation coverages
    • Commercial inland marine / Transportation coverages / Common carrier cargo liability
    • Commercial inland marine / Transportation coverages / Motor truck cargo forms
    • Commercial inland marine / Transportation coverages / Transit coverage forms
    • Boiler and Machinery
    • Boiler and Machinery / Equipment breakdown
    • Boiler and Machinery / Equipment breakdown protection coverage form
    • Boiler and Machinery / Selected endorsement
    • Boiler and Machinery / Selected endorsement / Actual cash value
    • Farm coverage
    • Farm coverage / Farm property coverage form
    • Farm coverage / Farm property coverage form / Coverage A — Dwellings
    • Farm coverage / Farm property coverage form / Coverage B — Other private structures
    • Farm coverage / Farm property coverage form / Coverage C — Household personal property
    • Farm coverage / Farm property coverage form / Coverage D — Loss of use
    • Farm coverage / Farm property coverage form / Coverage E — Scheduled farm personal property
    • Farm coverage / Farm property coverage form / Coverage F — Unscheduled farm personal property
    • Farm coverage / Farm property coverage form / Coverage G — Other farm structures
    • Farm coverage / Farm property coverage form / Coverage H — Bodily injury and property damage liability
    • Farm coverage / Farm property coverage form / Coverage I — Personal and advertising injury liability
    • Farm coverage / Farm property coverage form / Coverage J — Medical payments
    • Farm coverage / Mobile agricultural machinery and equipment coverage form
    • Farm coverage / Livestock coverage form
    • Farm coverage / Definitions
    • Farm coverage / Cause of loss (basic, broad and special)
    • Farm coverage / Cause of loss (basic, broad and special) / Conditions
    • Farm coverage / Cause of loss (basic, broad and special) / Exclusions
    • Farm coverage / Cause of loss (basic, broad and special) / Limits
    • Farm coverage / Cause of loss (basic, broad and special) / Additional coverages
    • Farm coverage / Farm liability coverage form
    • Farm coverage / Farm liability coverage form / Definitions
    • Farm coverage / Farm liability coverage form / Conditions
    • Farm coverage / Farm liability coverage form / Exclusions
    • Farm coverage / Farm liability coverage form / Limits
    • Farm coverage / Farm liability coverage form / Additional coverages
    • Commercial Crime
    • Commercial Crime / General Definitions
    • Commercial Crime / General Definitions / Burglary
    • Commercial Crime / General Definitions / Theft
    • Commercial Crime / General Definitions / Robbery
    • Commercial Crime / Coverages
    • Commercial Crime / Coverages / Employee theft
    • Commercial Crime / Coverages / Forgery or alteration
    • Commercial Crime / Coverages / Inside the premises (theft of money or securities)
    • Commercial Crime / Coverages / Inside the premises (robbery or safe burglary of other property)
    • Commercial Crime / Coverages / Outside the premises (Theft, Disappearance, or Destruction)
    • Commercial Crime / Coverages / Computer fraud
    • Commercial Crime / Coverages / Funds transfer fraud
    • Commercial Crime / Coverages / Money orders and counterfeit paper currency
    • Commercial Crime / Other crime coverages
    • Commercial Crime / Other crime coverages / Kidnap/ransom and extortion
    • Commercial Crime / Other crime coverages / Extortion — commercial entities
    • Commercial Crime / Other crime coverages / Lessees of safe deposit boxes
    • Commercial Crime / Other crime coverages / Securities deposited with others
    • Commercial Crime / Other crime coverages / Guests' property
    • Commercial Crime / Other crime coverages / Safe depository
  • Businessowners Policy 1% (1 item)
    • Characteristics and purpose
    • Businessowners Section I — Property
    • Businessowners Section I — Property / Coverage
    • Businessowners Section I — Property / Exclusions
    • Businessowners Section I — Property / Limits of insurance
    • Businessowners Section I — Property / Deductibles
    • Businessowners Section I — Property / Loss conditions
    • Businessowners Section I — Property / General conditions
    • Businessowners Section I — Property / Optional coverages
    • Businessowners Section I — Property / Definitions
    • Businessowners Section II — Liability
    • Businessowners Section II — Liability / Coverages
    • Businessowners Section II — Liability / Exclusions
    • Businessowners Section II — Liability / Who is an insured
    • Businessowners Section II — Liability / Limits of insurance
    • Businessowners Section II — Liability / General conditions
    • Businessowners Section II — Liability / Definitions
    • Businessowners Section III — Common Policy Conditions
    • Selected endorsements
    • Selected endorsements / Protective safeguards
    • Selected endorsements / Utility services — direct damage
    • Selected endorsements / Utility services — time element
    • Selected endorsements / Hired auto and non-owned auto liability
  • Workers Compensation Insurance 3% (4 items)
    • General Requirements
    • General Requirements / Employer's Liability
    • General Requirements / Covered Employees
    • General Requirements / Benefits Provided
    • General Requirements / Policy Structure
    • General Requirements / Policy Structure / Covered states
    • General Requirements / Policy Structure / Other states coverage
    • General Requirements / Deductibles
    • Workers compensation and employers liability insurance policy
    • Workers compensation and employers liability insurance policy / General section
    • Workers compensation and employers liability insurance policy / Part One — Workers compensation insurance
    • Workers compensation and employers liability insurance policy / Part Two — Employers liability insurance
    • Workers compensation and employers liability insurance policy / Part Three — Other states insurance
    • Workers compensation and employers liability insurance policy / Part Four — Your duties if injury occurs
    • Workers compensation and employers liability insurance policy / Part Five — Premium
    • Workers compensation and employers liability insurance policy / Part Six — Conditions
    • Workers compensation and employers liability insurance policy / Selected endorsement
    • Workers compensation and employers liability insurance policy / Selected endorsement / Voluntary compensation
    • Premium computation
    • Premium computation / Job classification — payroll and rates
    • Premium computation / Experience modification factor
    • Premium computation / Premium discounts
    • Other sources of coverage
    • Other sources of coverage / Assigned risk plan
    • Other sources of coverage / Self-insured employers and employer groups
    • Other sources of coverage / Maryland Workers' Compensation Trust Fund
  • Other Coverages and Options 5% (6 items)
    • Umbrella/excess liability policies
    • Umbrella/excess liability policies / Personal
    • Umbrella/excess liability policies / Commercial
    • Umbrella/excess liability policies / Coverages
    • Umbrella/excess liability policies / Underlying Coverages
    • Umbrella/excess liability policies / Self-Insured Retention
    • Specialty liability insurance
    • Specialty liability insurance / Errors and omissions
    • Specialty liability insurance / Professional liability
    • Specialty liability insurance / Directors and officers liability
    • Specialty liability insurance / Fiduciary liability
    • Specialty liability insurance / Liquor liability
    • Specialty liability insurance / Employment practices liability
    • Specialty liability insurance / Employee benefits liability
    • Surplus lines
    • Surplus lines / Definitions and markets
    • Surplus lines / Licensing requirements
    • Surety bonds
    • Surety bonds / Principal, obligee, surety
    • Surety bonds / Purpose and Type of Surety Bonds
    • Surety bonds / Purpose and Type of Surety Bonds / Contract
    • Surety bonds / Purpose and Type of Surety Bonds / Court
    • Surety bonds / Purpose and Type of Surety Bonds / Public Official
    • Surety bonds / Purpose and Type of Surety Bonds / Miscellaneous
    • Surety bonds / Purpose and Type of Surety Bonds / License and permit
    • Surety bonds / Purpose and Type of Surety Bonds / Judicial
    • Aviation insurance
    • Aviation insurance / Aircraft hull
    • Aviation insurance / Aircraft liability
    • Ocean marine insurance
    • Ocean marine insurance / Protection and indemnity
    • Ocean marine insurance / Major coverages
    • Ocean marine insurance / Major coverages / Hull insurance
    • Ocean marine insurance / Major coverages / Cargo insurance
    • Ocean marine insurance / Major coverages / Freight insurance
    • Ocean marine insurance / Perils
    • National Flood Insurance Program
    • National Flood Insurance Program / "Write your own" versus government
    • National Flood Insurance Program / Eligibility
    • National Flood Insurance Program / Coverages
    • National Flood Insurance Program / Limits
    • National Flood Insurance Program / Deductibles
    • Other policies
    • Other policies / Boatowners
    • Other policies / Boatowners / Personal watercraft
    • Other policies / Boatowners / Recreational vehicles
    • Other policies / Difference in conditions
    • Residual markets
Examination sources

Property Producer

Examination outline
  • Insurance Regulation 38 % (30 items)
    • Licensing
    • Licensing / Purpose
    • Licensing / Process (Insurance Article Annotated Code- Sec. 10-115; Sec.10-116; Sec. 10-104)
    • Licensing / Process (Insurance Article Annotated Code- Sec. 10-115; Sec.10-116; Sec. 10-104) / Initial Licensure Qualifications
    • Licensing / Process (Insurance Article Annotated Code- Sec. 10-115; Sec.10-116; Sec. 10-104) / Examination
    • Licensing / Process (Insurance Article Annotated Code- Sec. 10-115; Sec.10-116; Sec. 10-104) / License fee & application
    • Licensing / Process (Insurance Article Annotated Code- Sec. 10-115; Sec.10-116; Sec. 10-104) / Exemptions to Licensure
    • Licensing / Types of licensees
    • Licensing / Types of licensees / Producers
    • Licensing / Types of licensees / Business entity producers
    • Licensing / Types of licensees / Nonresident producers
    • Licensing / Types of licensees / Temporary
    • Licensing / Types of licensees / Advisers
    • Licensing / Types of licensees / Public insurance adjusters
    • Licensing / Portable Electronics Insurance Limited Lines license
    • Licensing / Maintenance and duration (Insurance Article Annotated Code- Sec. 10-116; Sec. 10-117(b)(1))
    • Licensing / Maintenance and duration (Insurance Article Annotated Code- Sec. 10-116; Sec. 10-117(b)(1)) / Reinstatement and renewal
    • Licensing / Maintenance and duration (Insurance Article Annotated Code- Sec. 10-116; Sec. 10-117(b)(1)) / Address change
    • Licensing / Maintenance and duration (Insurance Article Annotated Code- Sec. 10-116; Sec. 10-117(b)(1)) / Reporting of actions
    • Licensing / Maintenance and duration (Insurance Article Annotated Code- Sec. 10-116; Sec. 10-117(b)(1)) / Assumed names
    • Licensing / Maintenance and duration (Insurance Article Annotated Code- Sec. 10-116; Sec. 10-117(b)(1)) / Requirement to report felony convictions
    • Licensing / Maintenance and duration (Insurance Article Annotated Code- Sec. 10-116; Sec. 10-117(b)(1)) / Renewal
    • Licensing / Maintenance and duration (Insurance Article Annotated Code- Sec. 10-116; Sec. 10-117(b)(1)) / Continuing education requirements, exemptions and penalties
    • Licensing / Maintenance and duration (Insurance Article Annotated Code- Sec. 10-116; Sec. 10-117(b)(1)) / Duration and Termination
    • Licensing / Disciplinary actions
    • Licensing / Disciplinary actions / Cease and desist order
    • Licensing / Disciplinary actions / Hearings
    • Licensing / Disciplinary actions / Probation, suspension, revocation, refusal to issue or renew
    • Licensing / Disciplinary actions / Penalties and fines
    • Licensing / Disciplinary actions / Fraud
    • State regulation
    • State regulation / Commissioner's general duties and powers (Insurance Article Annotated Code-Sec. 2-205(a)(2))
    • State regulation / Commissioner's general duties and powers (Insurance Article Annotated Code-Sec. 2-205(a)(2)) / State Specific Definitions (Insurance Article Annotated Code- Sec. 10-401; Sec. 27-209; Sec. 27-213; Sec. 10-201; Sec 10-126; Ref: COMAR Sec. 31.08.06.02)
    • State regulation / Insurer Regulation
    • State regulation / Insurer Regulation / Insurance Information and Privacy Protection
    • State regulation / Insurer Regulation / Cancellation & Non-Renewal
    • State regulation / Insurer Regulation / Cancellation & Non-Renewal / Personal
    • State regulation / Insurer Regulation / Cancellation & Non-Renewal / Commercial
    • State regulation / Insurer Regulation / Notice of Renewal Premium
    • State regulation / Insurer Regulation / Certificate of authority
    • State regulation / Insurer Regulation / Binders
    • State regulation / Insurer Regulation / Solvency
    • State regulation / Insurer Regulation / Rates
    • State regulation / Insurer Regulation / Policy forms
    • State regulation / Insurer Regulation / Examination of books and records
    • State regulation / Insurer Regulation / Producer appointments
    • State regulation / Insurer Regulation / Producer appointments / Producer's Contract with Insurer versus Producer's Appointment with Insurer
    • State regulation / Insurer Regulation / Producer appointments / Producer's Individual Appointment versus Business Entity Appointment
    • State regulation / Insurer Regulation / Producer appointments / Maintaining Record of Appointment Notice
    • State regulation / Insurer Regulation / Termination of producer appointment
    • State regulation / Producer regulation (Insurance Article Annotated Code-Sec. 27-212(d))
    • State regulation / Producer regulation (Insurance Article Annotated Code-Sec. 27-212(d)) / Examination of Books and Records
    • State regulation / Producer regulation (Insurance Article Annotated Code-Sec. 27-212(d)) / Insurance Information and Privacy Protection
    • State regulation / Producer regulation (Insurance Article Annotated Code-Sec. 27-212(d)) / Fiduciary Responsibilities (COMAR- Sec. 31.03.03)
    • State regulation / Producer regulation (Insurance Article Annotated Code-Sec. 27-212(d)) / Bail Bond (COMAR- Sec. 31.03.05.02(B)(1); Sec. 31.03.05.05)
    • State regulation / Producer regulation (Insurance Article Annotated Code-Sec. 27-212(d)) / Acting for Unlicensed Insurer
    • State regulation / Producer regulation (Insurance Article Annotated Code-Sec. 27-212(d)) / Record Retention
    • State regulation / Producer regulation (Insurance Article Annotated Code-Sec. 27-212(d)) / Activities of Unlicensed Individual
    • State regulation / Producer regulation (Insurance Article Annotated Code-Sec. 27-212(d)) / Payment and sharing of Commissions
    • State regulation / Producer regulation (Insurance Article Annotated Code-Sec. 27-212(d)) / Charging of fees
    • State regulation / Producer regulation (Insurance Article Annotated Code-Sec. 27-212(d)) / Misrepresentation, twisting, and rebating
    • State regulation / Producer regulation (Insurance Article Annotated Code-Sec. 27-212(d)) / Responsibility for Trust Accounts
    • State regulation / Producer regulation (Insurance Article Annotated Code-Sec. 27-212(d)) / Impersonation
    • State regulation / Producer regulation (Insurance Article Annotated Code-Sec. 27-212(d)) / Larceny
    • State regulation / Producer regulation (Insurance Article Annotated Code-Sec. 27-212(d)) / Unlicensed persons compensation
    • State regulation / Premium Finance Companies/Agreements
    • State regulation / Unfair or deceptive insurance practices (Insurance Article Annotated Code-Sec. 19-107(a)(2); Sec. 27-501; Sec. 27-213, 212)
    • State regulation / Unfair or deceptive insurance practices (Insurance Article Annotated Code-Sec. 19-107(a)(2); Sec. 27-501; Sec. 27-213, 212) / Misrepresentation
    • State regulation / Unfair or deceptive insurance practices (Insurance Article Annotated Code-Sec. 19-107(a)(2); Sec. 27-501; Sec. 27-213, 212) / False advertising
    • State regulation / Unfair or deceptive insurance practices (Insurance Article Annotated Code-Sec. 19-107(a)(2); Sec. 27-501; Sec. 27-213, 212) / Defamation of insurer
    • State regulation / Unfair or deceptive insurance practices (Insurance Article Annotated Code-Sec. 19-107(a)(2); Sec. 27-501; Sec. 27-213, 212) / Boycott, coercion and intimidation
    • State regulation / Unfair or deceptive insurance practices (Insurance Article Annotated Code-Sec. 19-107(a)(2); Sec. 27-501; Sec. 27-213, 212) / False financial statements
    • State regulation / Unfair or deceptive insurance practices (Insurance Article Annotated Code-Sec. 19-107(a)(2); Sec. 27-501; Sec. 27-213, 212) / Failure to maintain complaint record
    • State regulation / Unfair or deceptive insurance practices (Insurance Article Annotated Code-Sec. 19-107(a)(2); Sec. 27-501; Sec. 27-213, 212) / Unfair discrimination(Insurance Article Annotated Code-Sec. 19-107(a)(2); Sec. 27-501; Sec. 27-213, 212)
    • State regulation / Unfair or deceptive insurance practices (Insurance Article Annotated Code-Sec. 19-107(a)(2); Sec. 27-501; Sec. 27-213, 212) / Unfair claims settlement practices
    • State regulation / Unfair or deceptive insurance practices (Insurance Article Annotated Code-Sec. 19-107(a)(2); Sec. 27-501; Sec. 27-213, 212) / Rebating
    • State regulation / Insurance fraud regulation
    • State regulation / Insurance Information and Privacy Protection
    • Federal regulation
    • Federal regulation / Fair Credit Reporting Act (15 USC 1681–1681d; Insurance Article Annotated Code- Sec. 27-501)
    • Federal regulation / Fraud and false statements including 1033 waiver (18 USC 1033, 1034)
    • Maryland laws, regulations and required provisions
    • Maryland laws, regulations and required provisions / Property and Casualty Insurance Guaranty Corporation
    • Maryland laws, regulations and required provisions / Surplus Lines
    • Maryland laws, regulations and required provisions / Homeowners Coverage
    • Maryland laws, regulations and required provisions / Homeowners Coverage / Water backup from sewers and drains
    • Maryland laws, regulations and required provisions / Homeowners Coverage / Cancellation and nonrenewal (Insurance Article Annotated Code- Sec. 27-609)
    • Maryland laws, regulations and required provisions / Homeowners Coverage / Lead Liability
    • Maryland laws, regulations and required provisions / Concealment, misrepresentation or fraud
    • Maryland laws, regulations and required provisions / Appraisal
    • Maryland laws, regulations and required provisions / Federal Terrorism Insurance Program
    • Maryland laws, regulations and required provisions / Joint Insurance Association (JIA)
    • Maryland laws, regulations and required provisions / Fair Credit Reporting Act
    • Maryland laws, regulations and required provisions / Flood Insurance
  • General Insurance 9% (7 items)
    • Concepts
    • Concepts / Risk management key terms
    • Concepts / Risk management key terms / Risk
    • Concepts / Risk management key terms / Exposure
    • Concepts / Risk management key terms / Hazard
    • Concepts / Risk management key terms / Peril
    • Concepts / Risk management key terms / Loss
    • Concepts / Methods of handling risk
    • Concepts / Methods of handling risk / Avoidance
    • Concepts / Methods of handling risk / Retention
    • Concepts / Methods of handling risk / Sharing
    • Concepts / Methods of handling risk / Reduction
    • Concepts / Methods of handling risk / Transfer
    • Concepts / Elements of insurable risks
    • Concepts / Adverse selection
    • Concepts / Law of large numbers
    • Concepts / Reinsurance
    • Insurers
    • Insurers / Types of insurers
    • Insurers / Types of insurers / Stock companies
    • Insurers / Types of insurers / Mutual companies
    • Insurers / Types of insurers / Fraternal benefit societies
    • Insurers / Types of insurers / Risk retention and risk purchasing groups
    • Insurers / Types of insurers / Surplus Lines Carriers
    • Insurers / Types of insurers / Self-insurance groups
    • Insurers / Purchasing Groups
    • Insurers / Private versus government insurers
    • Insurers / Admitted versus nonadmitted insurers
    • Insurers / Domestic, foreign and alien insurers
    • Insurers / Financial status (independent rating services)
    • Insurers / Marketing (distribution) systems
    • Producers and general rules of agency
    • Producers and general rules of agency / Types
    • Producers and general rules of agency / Types / Captive
    • Producers and general rules of agency / Types / Independent
    • Producers and general rules of agency / Insurer as principal
    • Producers and general rules of agency / Producer/insurer relationship
    • Producers and general rules of agency / Authority and powers of producers
    • Producers and general rules of agency / Authority and powers of producers / Express
    • Producers and general rules of agency / Authority and powers of producers / Implied
    • Producers and general rules of agency / Authority and powers of producers / Apparent
    • Producers and general rules of agency / Responsibilities to the applicant/insured
    • Contracts
    • Contracts / Elements of a legal contract
    • Contracts / Elements of a legal contract / Offer and acceptance
    • Contracts / Elements of a legal contract / Consideration
    • Contracts / Elements of a legal contract / Competent parties
    • Contracts / Elements of a legal contract / Legal purpose
    • Contracts / Distinct characteristics of an insurance contract
    • Contracts / Distinct characteristics of an insurance contract / Contract of adhesion
    • Contracts / Distinct characteristics of an insurance contract / Aleatory contract
    • Contracts / Distinct characteristics of an insurance contract / Personal contract
    • Contracts / Distinct characteristics of an insurance contract / Unilateral contract
    • Contracts / Distinct characteristics of an insurance contract / Conditional contract
    • Contracts / Legal interpretations affecting contracts
    • Contracts / Legal interpretations affecting contracts / Ambiguities in a contract of adhesion
    • Contracts / Legal interpretations affecting contracts / Reasonable expectations
    • Contracts / Legal interpretations affecting contracts / Indemnity
    • Contracts / Legal interpretations affecting contracts / Utmost good faith
    • Contracts / Legal interpretations affecting contracts / Representations/misrepresentations
    • Contracts / Legal interpretations affecting contracts / Warranties
    • Contracts / Legal interpretations affecting contracts / Concealment
    • Contracts / Legal interpretations affecting contracts / Fraud
    • Contracts / Legal interpretations affecting contracts / Waiver and estoppel
  • Property Insurance Basics 9% (7 items)
    • Principles and concepts
    • Principles and concepts / Insurable interest
    • Principles and concepts / Underwriting
    • Principles and concepts / Underwriting / Function
    • Principles and concepts / Underwriting / Expense ratio, combined ratio
    • Principles and concepts / Underwriting / Loss ratio
    • Principles and concepts / Rates
    • Principles and concepts / Rates / Types
    • Principles and concepts / Rates / Loss costs
    • Principles and concepts / Rates / Components
    • Principles and concepts / Hazards
    • Principles and concepts / Hazards / Physical
    • Principles and concepts / Hazards / Moral
    • Principles and concepts / Hazards / Morale
    • Principles and concepts / Causes of loss (perils)
    • Principles and concepts / Named perils versus special (open) perils
    • Principles and concepts / Direct loss
    • Principles and concepts / Consequential or indirect loss
    • Principles and concepts / Blanket versus specific insurance
    • Principles and concepts / Basic types of construction
    • Principles and concepts / Coinsurance
    • Principles and concepts / Loss valuation
    • Principles and concepts / Loss valuation / Actual cash value
    • Principles and concepts / Loss valuation / Replacement cost
    • Principles and concepts / Loss valuation / Functional replacement cost
    • Principles and concepts / Loss valuation / Guaranteed Replacement Cost
    • Principles and concepts / Loss valuation / Market value
    • Principles and concepts / Loss valuation / Agreed value
    • Principles and concepts / Loss valuation / Stated amount
    • Principles and concepts / Loss valuation / Valued policy
    • Policy structure
    • Policy structure / Declarations
    • Policy structure / Definitions
    • Policy structure / Insuring agreement or clause
    • Policy structure / Additional/supplementary coverage
    • Policy structure / Conditions
    • Policy structure / Exclusions
    • Policy structure / Endorsements
    • Common policy provisions
    • Common policy provisions / Insureds — named, first named, additional
    • Common policy provisions / Lienholders
    • Common policy provisions / Policy period
    • Common policy provisions / Policy territory
    • Common policy provisions / Cancellation and nonrenewal
    • Common policy provisions / Deductibles
    • Common policy provisions / Other insurance
    • Common policy provisions / Other insurance / Nonconcurrency
    • Common policy provisions / Other insurance / Primary and excess
    • Common policy provisions / Other insurance / Pro rata share
    • Common policy provisions / Other insurance / Contribution by equal shares
    • Common policy provisions / Policy limits
    • Common policy provisions / Restoration/nonreduction of limits
    • Common policy provisions / Coinsurance
    • Common policy provisions / Vacancy or unoccupancy
    • Common policy provisions / Named insured provisions
    • Common policy provisions / Named insured provisions / Duties after loss
    • Common policy provisions / Named insured provisions / Assignment
    • Common policy provisions / Named insured provisions / Abandonment
    • Common policy provisions / Insurer provisions
    • Common policy provisions / Insurer provisions / Liberalization
    • Common policy provisions / Insurer provisions / Appraisal
    • Common policy provisions / Insurer provisions / Subrogation
    • Common policy provisions / Insurer provisions / Salvage
    • Common policy provisions / Insurer provisions / Claim settlement options
    • Common policy provisions / Third-party provisions
    • Common policy provisions / Third-party provisions / Standard mortgage clause
    • Common policy provisions / Third-party provisions / Loss payable clause
    • Common policy provisions / Third-party provisions / No benefit to the bailee
  • Dwelling Policy 10% (8 items)
    • Characteristics and purpose
    • Coverage forms — Perils insured against
    • Coverage forms — Perils insured against / Basic
    • Coverage forms — Perils insured against / Broad
    • Coverage forms — Perils insured against / Special
    • Property coverages
    • Property coverages / Coverage A — Dwelling
    • Property coverages / Coverage B — Other structures
    • Property coverages / Coverage C — Personal property
    • Property coverages / Coverage D — Fair rental value
    • Property coverages / Coverage E — Additional living expense
    • Property coverages / Other coverages
    • General exclusions
    • Conditions
    • Selected endorsements
    • Selected endorsements / Special provisions — Maryland
    • Selected endorsements / Automatic increase in insurance
    • Selected endorsements / Broad theft coverage
    • Selected endorsements / Dwelling under construction
    • Personal liability supplement
  • Homeowners Policy 18% (14 items)
    • Coverage forms
    • Coverage forms / HO-2 through HO-6
    • Definitions
    • Section I — Property coverages
    • Section I — Property coverages / Coverage A — Dwelling
    • Section I — Property coverages / Coverage B — Other structures
    • Section I — Property coverages / Coverage C — Personal property
    • Section I — Property coverages / Coverage D — Loss of use
    • Section I — Property coverages / Additional coverages
    • Liability Coverages
    • Liability Coverages / Personal Liability
    • Liability Coverages / Medical Payments to Others
    • Perils insured against
    • Additional Coverages
    • Additional Coverages / Debris Removal
    • Additional Coverages / Trees, Shrubs, and Other Plants
    • Additional Coverages / Fire Department Service Charge
    • Additional Coverages / Property Removed
    • Additional Coverages / Credit Card, Fund Transfer Card, Forgery, and Counterfeit Money
    • Additional Coverages / Loss Assessment
    • Additional Coverages / Glass or Safety Glazing Material
    • Additional Coverages / Landlord's Furnishings
    • Additional Coverages / Building Additions and Alterations
    • Additional Coverages / First Aid Expenses
    • Additional Coverages / Damage to Property of Others
    • Exclusions
    • Exclusions / Lead paint liability abatement
    • Conditions
    • Selected endorsements
    • Selected endorsements / Special provisions — Maryland
    • Selected endorsements / Business Pursuits
    • Selected endorsements / Limited fungi, wet or dry rot, or bacteria coverage
    • Selected endorsements / Permitted incidental occupancies — residence premises
    • Selected endorsements / Earthquake
    • Selected endorsements / Identity fraud expense
    • Selected endorsements / Scheduled personal property
    • Selected endorsements / Personal property replacement cost
    • Selected endorsements / Home day care
    • Selected endorsements / Valuable Papers
    • Selected endorsements / Computers
    • Selected endorsements / Watercraft
  • Auto Insurance 4% (3 items)
    • Maryland auto insurance policy
    • Maryland auto insurance policy / Definitions
    • Maryland auto insurance policy / Coverage for damage to your auto
    • Maryland auto insurance policy / Coverage for damage to your auto / Collision
    • Maryland auto insurance policy / Coverage for damage to your auto / Limited collision
    • Maryland auto insurance policy / Coverage for damage to your auto / Comprehensive
    • Maryland auto insurance policy / Coverage for damage to your auto / Deductibles
    • Maryland auto insurance policy / Coverage for damage to your auto / Substitute transportation
    • Maryland auto insurance policy / Coverage for damage to your auto / Towing and labor
    • Maryland auto insurance policy / Bodily injury coverage
    • Maryland auto insurance policy / Bodily injury coverage / Personal Injury Protection
    • Maryland auto insurance policy / Bodily injury coverage / Liability/damage to someone else's property
    • Maryland auto insurance policy / General provisions
    • Maryland auto insurance policy / Duties after an accident or loss
    • Maryland auto insurance policy / Selected endorsements
    • Maryland auto insurance policy / Selected endorsements / Maryland mandatory endorsement
    • Maryland auto insurance policy / Selected endorsements / Mobile home
    • Maryland auto insurance policy / Selected endorsements / Waiver of deductible
    • Commercial auto
    • Commercial auto / Commercial auto coverage forms
    • Commercial auto / Commercial auto coverage forms / Business auto
    • Commercial auto / Commercial auto coverage forms / Garage
    • Commercial auto / Commercial auto coverage forms / Truckers
    • Commercial auto / Coverage form sections
    • Commercial auto / Coverage form sections / Covered autos
    • Commercial auto / Coverage form sections / Garagekeepers coverage
    • Commercial auto / Coverage form sections / Trailer interchange coverage
    • Commercial auto / Coverage form sections / Physical damage coverage
    • Commercial auto / Coverage form sections / Exclusions
    • Commercial auto / Coverage form sections / Conditions
    • Commercial auto / Coverage form sections / Definitions
    • Commercial auto / Selected endorsements
    • Commercial auto / Selected endorsements / Individual named insured
    • Commercial auto / Selected endorsements / Mobile equipment
    • Commercial auto / Selected endorsements / Lessor — additional insured and loss payee — Maryland
  • Commercial Package Policy (CPP) 10% (8 items)
    • Components of a commercial policy
    • Components of a commercial policy / Common policy declarations
    • Components of a commercial policy / Common policy conditions
    • Components of a commercial policy / Interline endorsements
    • Components of a commercial policy / One or more coverage parts
    • Commercial property
    • Commercial property / Commercial property conditions form
    • Commercial property / Coverage forms
    • Commercial property / Coverage forms / Building and personal property
    • Commercial property / Coverage forms / Condominium association
    • Commercial property / Coverage forms / Condominium commercial unit-owners
    • Commercial property / Coverage forms / Builders risk
    • Commercial property / Coverage forms / Business income
    • Commercial property / Coverage forms / Legal liability
    • Commercial property / Coverage forms / Extra expense
    • Commercial property / Causes of loss forms
    • Commercial property / Causes of loss forms / Basic
    • Commercial property / Causes of loss forms / Broad
    • Commercial property / Causes of loss forms / Special
    • Commercial property / Causes of loss forms / Earthquake
    • Commercial property / Selected endorsements
    • Commercial property / Selected endorsements / Ordinance or law
    • Commercial property / Selected endorsements / Spoilage
    • Commercial property / Selected endorsements / Peak season limit of insurance
    • Commercial property / Selected endorsements / Protective Safeguards
    • Commercial property / Selected endorsements / Value reporting form
    • Commercial inland marine
    • Commercial inland marine / Nationwide marine definition
    • Commercial inland marine / Commercial inland marine conditions form
    • Commercial inland marine / Inland marine coverage forms
    • Commercial inland marine / Inland marine coverage forms / Accounts receivable
    • Commercial inland marine / Inland marine coverage forms / Bailee's customer
    • Commercial inland marine / Inland marine coverage forms / Commercial articles
    • Commercial inland marine / Inland marine coverage forms / Contractors equipment floater
    • Commercial inland marine / Inland marine coverage forms / Electronic data processing
    • Commercial inland marine / Inland marine coverage forms / Equipment dealers
    • Commercial inland marine / Inland marine coverage forms / Installation floater
    • Commercial inland marine / Inland marine coverage forms / Jewelers block
    • Commercial inland marine / Inland marine coverage forms / Signs
    • Commercial inland marine / Inland marine coverage forms / Valuable papers and records
    • Commercial inland marine / Transportation coverages
    • Commercial inland marine / Transportation coverages / Common carrier cargo liability
    • Commercial inland marine / Transportation coverages / Motor truck cargo forms
    • Commercial inland marine / Transportation coverages / Transit coverage forms
    • Boiler and Machinery
    • Boiler and Machinery / Equipment breakdown
    • Boiler and Machinery / Equipment breakdown protection coverage form
    • Boiler and Machinery / Selected endorsement
    • Boiler and Machinery / Selected endorsement / Actual cash value
    • Farm coverage
    • Farm coverage / Farm property coverage form
    • Farm coverage / Farm property coverage form / Coverage A — Dwellings
    • Farm coverage / Farm property coverage form / Coverage B — Other private structures
    • Farm coverage / Farm property coverage form / Coverage C — Household personal property
    • Farm coverage / Farm property coverage form / Coverage D — Loss of use
    • Farm coverage / Farm property coverage form / Coverage E — Scheduled farm personal property
    • Farm coverage / Farm property coverage form / Coverage F — Unscheduled farm personal property
    • Farm coverage / Farm property coverage form / Coverage G — Other farm structures
    • Farm coverage / Mobile agricultural machinery and equipment coverage form
    • Farm coverage / Livestock coverage form
    • Farm coverage / Definitions
    • Farm coverage / Cause of loss (basic, broad and special)
    • Farm coverage / Cause of loss (basic, broad and special) / Conditions
    • Farm coverage / Cause of loss (basic, broad and special) / Exclusions
    • Farm coverage / Cause of loss (basic, broad and special) / Limits
    • Farm coverage / Cause of loss (basic, broad and special) / Additional coverages
    • Commercial Crime
    • Commercial Crime / General Definitions
    • Commercial Crime / General Definitions / Burglary
    • Commercial Crime / General Definitions / Theft
    • Commercial Crime / General Definitions / Robbery
    • Commercial Crime / Coverages
    • Commercial Crime / Coverages / Employee theft
    • Commercial Crime / Coverages / Forgery or alteration
    • Commercial Crime / Coverages / Inside the premises (theft of money or securities)
    • Commercial Crime / Coverages / Inside the premises (robbery or safe burglary of other property)
    • Commercial Crime / Coverages / Outside the premises (Theft, Disappearance, or Destruction)
    • Commercial Crime / Coverages / Computer fraud
    • Commercial Crime / Coverages / Funds transfer fraud
    • Commercial Crime / Coverages / Money orders and counterfeit paper currency
  • Businessowners Policy 1% (1 item)
    • Characteristics and purpose
    • Businessowners Section I — Property
    • Businessowners Section I — Property / Coverage
    • Businessowners Section I — Property / Exclusions
    • Businessowners Section I — Property / Limits of insurance
    • Businessowners Section I — Property / Deductibles
    • Businessowners Section I — Property / Loss conditions
    • Businessowners Section I — Property / General conditions
    • Businessowners Section I — Property / Optional coverages
    • Businessowners Section I — Property / Definitions
    • Businessowners Section III — Common Policy Conditions
    • Selected endorsements
    • Selected endorsements / Protective safeguards
    • Selected endorsements / Utility services — direct damage
    • Selected endorsements / Utility services — time element
  • Other Coverages and Options 3% (2 items)
    • Aviation insurance
    • Aviation insurance / Aircraft hull
    • Ocean marine insurance
    • Ocean marine insurance / Major coverages
    • Ocean marine insurance / Major coverages / Hull insurance
    • Ocean marine insurance / Major coverages / Cargo insurance
    • Ocean marine insurance / Major coverages / Freight insurance
    • Ocean marine insurance / Perils
    • National Flood Insurance Program
    • National Flood Insurance Program / "Write your own" versus government
    • National Flood Insurance Program / Eligibility
    • National Flood Insurance Program / Coverages
    • National Flood Insurance Program / Limits
    • National Flood Insurance Program / Deductibles
    • Other policies
    • Other policies / Boatowners
    • Other policies / Boatowners / Personal watercraft
    • Other policies / Boatowners / Recreational vehicles
    • Other policies / Difference in conditions
    • Residual markets
    • Residual markets / Joint underwriting and reinsurers association (FAIR) plan
Examination sources

Maryland Personal Lines Insurance Producer Examination

Provider
Prometric
Format
Four-option multiple choice; test center or remote proctoring; English or Spanish
Exam questions
100 scored questions plus 10 unscored questions
Time limit
2 hours 15 minutes
Passing score
70% or higher
Exam fee
$62
Examination outline
  • 1.0 Insurance Regulation (30%)
    • 1.1 Licensing Purpose Process (Insurance Article Annotated Code- Sec. 10-115; Sec.10-116; Sec. 10-104) Initial Licensure Qualifications Examination License fee & application Exemptions to Licensure Types of licensees Producers Business entity producers Nonresident producers Temporary Advisers Public insurance adjusters Limited Lines Producer Portable Electronics Insurance Limited Lines license Maintenance and duration(Insurance Article Annotated Code- Sec. 10-116; Sec. 10-117(b)(1)) Reinstatement and renewal Address change Reporting of actions Assumed names Continuing education requirements, exemptions and penalties Disciplinary actions Cease and desist order Hearings Probation, suspension, revocation, refusal to issue or renew Penalties and fines
    • 1.2 State regulation Commissioner's general duties and powers (Insurance Article Annotated Code-Sec. 2-205 (a)(2)) State Specific Definitions (Insurance Article Annotated Code- Sec. 10-401; Sec. 27-209; Sec. 27-213; Sec. 10-201; Sec 10-126; Ref: COMAR Sec. 31.08.06.02) Company regulation (Insurance Article Annotated Code-Sec. 10-118; COMAR- Sec. 31.15.12.03(B)) Certificate of authority Solvency Rates Policy forms Examination of books and records Producer appointments Producer's Contract with Insurer versus Producer's Appointment with Insurer Producer's Individual Appointment versus Business Entity Appointment Maintaining Record of Appointment Notice Termination of producer appointment Producer regulation (Insurance Article Annotated Code-Sec. 27-212(d)) Examination of Books and Records Insurance Information and Privacy Protection Fiduciary Responsibilities (COMAR- Sec. 31.03.03) Bail Bond (COMAR- Sec. 31.03.05.02(B)(1); Sec. 31.03.05.05) Acting for Unlicensed Insurer Record Retention Activities of Unlicensed Individual Payment and sharing of Commissions Charging of fees Responsibility for Trust Accounts Complaint Record Binders Solvency Rates and Forms Impersonation Larceny Unlicensed persons compensation Unfair or deceptive insurance practices (Insurance Article Annotated Code-Sec. 19-107(a)(2); Sec. 27-501; Sec. 27-213, 212) Misrepresentation False advertising Defamation of insurer Boycott, coercion and intimidation False financial statements Failure to maintain complaint record Unfair discrimination (Insurance Article Annotated Code-Sec. 19-107(a)(2); Sec. 27-501; Sec. 27-213, 212) Unfair claims settlement practices Rebating Insurance fraud regulation Insurance Information and Privacy Protection Competitive Rating
    • 1.3 Federal regulation Fair Credit Reporting Act (15 USC 1681–1681d; Insurance Article Annotated Code- Sec. 27-501) Fraud and false statements including 1033 waiver (18 USC 1033, 1034)
    • 1.4 Maryland laws, regulations and required provisions Maryland Insurers Insolvency Fund Cancellation and nonrenewal (Insurance Article Annotated Code- Sec. 27-609) Concealment, misrepresentation or fraud Appraisal Federal Terrorism Insurance Program
    • 1.5 Maryland auto insurance policy State Auto Insurance Laws & Regulations State Required Limits of Liability (Insurance Article Annotated Code- Sec. 19-512; Sec. 19-504.1(3)(ii); Sec. 19-106; Sec. 17-103) Uninsured/Underinsured Motorist (Insurance Article Annotated Code- Sec. 19-509; COMAR- Sec. 31.15.10.03 Definitions Compulsory coverage Bodily injury to others Personal injury protection (Insurance Article Annotated Code- Sec. 19-505; Sec. 19-506; COMAR-Sec. 31.15.07.05) Benefits/waivers Exclusions Damage to someone else's property Uninsured/underinsured motorist (Insurance Article Annotated Code- Sec. 19-509; COMAR- Sec. 31.15.10.03) Coverage for damage to your auto Medical payments Collision Limited collision Comprehensive Deductibles Substitute transportation Towing and labor General provisions Duties after an accident or loss Selected endorsements Use of other autos — vehicles furnished or available for regular use Coverage for anyone renting an auto to you additional insured — lessor Named Driver Exclusion Maryland Automobile Insurance Fund (MAIF) (Insurance Article Annotated Code- Sec. 20-501(b); Sec. 20-502; Sec. 20-509(e-1)(ii); Sec. 20-201; Sec. 20-511)
  • 2.0 General Insurance (8%)
    • 2.1 Concepts Risk management key terms Risk Exposure Hazard Peril Loss Methods of handling risk Avoidance Retention Sharing Reduction Transfer Elements of insurable risks Adverse selection Law of large numbers Reinsurance
    • 2.2 Insurers Types of insurers Stock companies Mutual companies Reciprocals Self Insurers Risk retention groups Surplus lines carriers Purchasing groups Private versus government insurers Admitted versus nonadmitted insurers Domestic, foreign and alien insurers Financial status (independent rating services) and operating results Marketing (distribution) systems
    • 2.3 Producers and general rules of agency Types Captive Independent Insurer as principal Producer of insurer Authority and powers of producers Express Implied Apparent Responsibilities to the applicant/insured
    • 2.4 Contracts Elements of a legal contract Offer and acceptance Consideration Competent parties Legal purpose Distinct Characteristics of an Insurance Contract Contract of adhesion Aleatory contract Personal contract Unilateral contract Conditional contract Legal interpretations affecting contracts Ambiguities in a contract of adhesion Reasonable expectations Indemnity Utmost good faith Representations/misrepresentations Warranties Concealment Fraud Waiver and estoppel
  • 3.0 Property and Casualty Insurance Basics (9%)
    • 3.1 Principles and concepts Insurable interest Underwriting Function Loss ratio Rates Types Loss costs Components Hazards Physical Moral Morale Negligence Elements of a negligent act Defenses against negligence Proximate cause Torts Damages Compensatory — special versus general Punitive Absolute liability Strict liability Vicarious liability Causes of loss (perils) Named perils versus special (open) perils Direct loss Consequential or indirect loss Blanket versus specific insurance Basic types of construction Loss valuation Actual cash value Replacement cost Functional replacement cost Guaranteed replacement cost Market value Agreed value Stated amount Valued policy
    • 3.2 Policy structure Declarations Definitions Insuring agreement or clause Additional/supplementary coverage Conditions Exclusions Endorsements
    • 3.3 Common policy provisions Insureds — named, first named and additional Policy period Policy territory Cancellation and nonrenewal Deductibles Other insurance Nonconcurrent Primary and excess Pro rata Contribution by equal shares Limits of liability Per occurrence (accident) Per person Split Combined single Restoration/nonreduction of limits Coinsurance Third Party Provisions Vacancy or unoccupancy Named insured provisions Duties after loss Assignment Abandonment Insurer provisions Liberalization Subrogation Salvage Claim settlement options Duty to defend Lien holder provisions Standard mortgage clause Loss payable clause No benefit to the bailee
  • 4.0 Casualty Specific (10%)
    • 4.1 Strict Liability
    • 4.2 Vicarious Liability
    • 4.3 Limits of Liability Per occurrence (accident) Per person Aggregate (general versus products) completed operations Split Combined single
    • 4.4 Restoration - Non-Reduction of Limits
    • 4.5 Named lnsured Provisions Duties after loss Assignment Abandonment
    • 4.6 Insurer Provisions Liberalization Subrogation Salvage Claim settlement options Duty to defend
  • 5.0 Property Specific (9%)
    • 5.1 Causes of Loss (Basic, Broad and Special Forms)
    • 5.2 Direct Loss
    • 5.3 Consequential vs Indirect Loss
    • 5.4 Basic Types of Construction
    • 5.6 Coinsurance
    • 5.7 Loss Valuation Actual cash value Replacement cost Functional replacement cost Guaranteed Replacement Cost Market value Agreed value
  • 6.0 Dwelling Policy (10%)
    • 6.1 Characteristics and purpose
    • 6.2 Coverage forms — Perils insured against DP-1 Basic DP-2 Broad DP-3 Special
    • 6.3 Property coverages Coverage A — Dwelling Coverage B — Other structures Coverage C — Personal property Coverage D — Fair rental value Coverage E — Additional living expense Other coverages
    • 6.4 General exclusions
    • 6.5 Conditions
    • 6.6 Personal liability supplement
    • 6.7 Selected Endorsements Automatic Increase in Insurance Dwelling Under Construction Broad Theft Coverage Limited Theft Coverage Special Provisions
  • 7.0 Homeowners Policy (14%)
    • 7.1 Characteristics and Purpose
    • 7.2 Coverage forms HO-3 Special HO-4 Tenants HO-5 Comprehensive HO-6 Condominium Unit-Owners
    • 7.3 Definitions
    • 7.4 Section I — Property coverages Coverage A — Dwelling Coverage B — Other structures Coverage C — Personal property Coverage D — Additional Living Expense and Fair Rental Value Loss of Use
    • 7.5 Section II — Liability coverages Coverage E — Personal liability Coverage F — Medical payments to others
    • 7.6 Perils insured against
    • 7.7 Additional coverages Debris removal Reasonable repairs Trees, shrubs and other plants Fire department service charge Property removed Credit card, fund transfer card, forgery and counterfeit money Loss assessment Glass or safety glazing material Landlord's furnishings Building Additions and Alterations Claim expenses First aid expenses Damage to property of others
    • 7.8 Exclusions
    • 7.9 Conditions
    • 7.10 Other Policies Mobile Homes
    • 7.11 Selected Endorsements Business Pursuits Earthquake Home Day Care Permitted Incidental Occupancies Personal Injury Personal Property Replacement Cost Scheduled Personal Property Valuable papers Computers Watercraft Special Provisions
  • 8.0 Auto Insurance (8%)
    • 8.1 Personal auto policy Definitions Liability coverage Bodily injury and property damage Supplementary payments Exclusions Coverage for damage to your auto Collision Other than collision Deductibles Transportation expenses Exclusions Medical Payments Protection Against Uninsured/Underinsured Motorists General Provisions Conditions Duties after an accident or loss General provisions Selected endorsements Towing and labor costs Miscellaneous type vehicle Amendment of policy provisions — Maryland Medical expense and income loss benefits coverage — Maryland Transportation expenses coverage — Maryland Joint ownership coverage — Maryland Towing and labor costs — Maryland Extended non-owned coverage for named individual — Maryland Miscellaneous type vehicle — Maryland Uninsured motorists coverage — Maryland Loss Payable Clause
  • 9.0 Other Coverages and Options (2%)
    • 9.1 Personal umbrella Coverages Underlying Coverages Self-Insured Retention
    • 9.2 National Flood Insurance Program "Write your own" versus government Eligibility Coverage Limits Deductibles
    • 9.3 Boatowners including uninsured private pleasure watercraft coverage
    • 9.4 Basic Property Residual Market Maryland Property Insurance Association (FAIR plan)
    • 9.5 Inland marine Personal Articles floaters
Examination sources