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New Hampshire Property & Casualty Insurance — Requirements & Free Practice

US-NH · License preparation

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Licenses, application pathways and examination requirements

Each license and applicant pathway has its own requirements and exemptions. Choosing practice questions does not determine your eligibility.

Insurance Producer License — Property, Casualty and Personal Lines

One individual producer license carries its selected lines of authority. Property only, casualty only, both lines, and personal lines have distinct examination choices. Agents, brokers and consultants use the producer licensing system.

Licensing authority: New Hampshire Insurance Department · Application information

Renewal with military service or extenuating circumstance waiver
No examination is required for this applicant pathway.
Discretion
Request a waiver; relief is not automatic. RSA 402-J:7 IV also allows requesting waiver of any examination requirement, fine or sanction arising from renewal failure; it identifies no additional examination.
Existing License
Hold a producer license and be unable to comply with renewal procedures because of military service or other extenuating circumstances.

Official no-examination sources

Effective from 2026-09-22.

Nonresident addition of lines of authority
No examination is required for this applicant pathway.
Additional Authority
Hold each additional line in the home state; apply online and pay $50.
Application
Submit the home-state application or NAIC uniform application and required fees; apply electronically through NIPR.
Existing License
Already hold a nonresident producer license.
Home License
Currently hold the corresponding resident license in good standing in the home state.
Reciprocity
The home state grants New Hampshire residents nonresident licenses on the same basis.
Residency
Nonresident of New Hampshire.

Official no-examination sources

Effective from 2026-09-22.

Nonresident reapplication after more than 24 months of lapse
No examination is required for this applicant pathway.
Application
Submit the home-state application or NAIC uniform application and required fees; apply electronically through NIPR.
Home License
Currently hold the corresponding resident license in good standing in the home state.
Lapse
After more than 24 months, use initial licensing procedures and fees.
Reciprocity
The home state grants New Hampshire residents nonresident licenses on the same basis.
Residency
Nonresident of New Hampshire.

Official no-examination sources

Effective from 2026-09-22.

Nonresident reciprocal initial licensure
No examination is required for this applicant pathway.
Application
Submit the home-state application or NAIC uniform application and required fees; apply electronically through NIPR.
Home License
Currently hold the corresponding resident license in good standing in the home state.
Reciprocity
The home state grants New Hampshire residents nonresident licenses on the same basis.
Residency
Nonresident of New Hampshire.

Official no-examination sources

Effective from 2026-09-22.

Nonresident reinstatement within 24 months
No examination is required for this applicant pathway.
Education
Hold the corresponding home-state license in good standing.
Eligibility
Maintain license eligibility.
Lapse
Reinstate within 24 months after the renewal due date.
Penalty
Pay double the unpaid renewal fee; the Department requires a new application.

Official no-examination sources

Effective from 2026-09-22.

Nonresident renewal
No examination is required for this applicant pathway.
Application
Submit the home-state application or NAIC uniform application and required fees; apply electronically through NIPR.
Home License
Currently hold the corresponding resident license in good standing in the home state.
Reciprocity
The home state grants New Hampshire residents nonresident licenses on the same basis.
Renewal
Pay renewal fees, retain home-state good standing and satisfy reciprocal home-state continuing education.
Residency
Nonresident of New Hampshire.

Official no-examination sources

Effective from 2026-09-22.

Resident addition of lines of authority — Property and casualty

At least one of the following alternatives:

Age
At least 18 years old.
Amendment
Apply online for additional authority and pay the $50 amendment fee.
Application
Submit the NAIC uniform application and fees; statements must be true, correct and complete.
Authority
Property and casualty
Character
No act constituting a ground for denial, suspension or revocation under the RSA 402-J:6 I(b) text in force before January 1, 2027.
Examinations
Pass examinations for the requested lines; the combined property and casualty examination covers both lines, while separate property and casualty examinations establish their respective lines.
Existing License
An existing resident producer seeks the specified additional lines.
Study
The Department requires no prelicensing course; optional study does not replace the examination.
Resident addition of lines of authority — Casualty only
New Hampshire Producer's Casualty Insurance
Age
At least 18 years old.
Amendment
Apply online for additional authority and pay the $50 amendment fee.
Application
Submit the NAIC uniform application and fees; statements must be true, correct and complete.
Authority
Casualty only
Character
No act constituting a ground for denial, suspension or revocation under the RSA 402-J:6 I(b) text in force before January 1, 2027.
Examinations
Pass examinations for the requested lines; the combined property and casualty examination covers both lines, while separate property and casualty examinations establish their respective lines.
Existing License
An existing resident producer seeks the specified additional lines.
Study
The Department requires no prelicensing course; optional study does not replace the examination.
Resident addition of lines of authority — Personal lines property and casualty
New Hampshire Producer's Personal Lines (practice unavailable)
Age
At least 18 years old.
Amendment
Apply online for additional authority and pay the $50 amendment fee.
Application
Submit the NAIC uniform application and fees; statements must be true, correct and complete.
Authority
Personal lines property and casualty
Character
No act constituting a ground for denial, suspension or revocation under the RSA 402-J:6 I(b) text in force before January 1, 2027.
Examinations
Pass examinations for the requested lines; the combined property and casualty examination covers both lines, while separate property and casualty examinations establish their respective lines.
Existing License
An existing resident producer seeks the specified additional lines.
Study
The Department requires no prelicensing course; optional study does not replace the examination.
Resident addition of lines of authority — Property only
New Hampshire Producer's Property (practice unavailable)
Age
At least 18 years old.
Amendment
Apply online for additional authority and pay the $50 amendment fee.
Application
Submit the NAIC uniform application and fees; statements must be true, correct and complete.
Authority
Property only
Character
No act constituting a ground for denial, suspension or revocation under the RSA 402-J:6 I(b) text in force before January 1, 2027.
Examinations
Pass examinations for the requested lines; the combined property and casualty examination covers both lines, while separate property and casualty examinations establish their respective lines.
Existing License
An existing resident producer seeks the specified additional lines.
Study
The Department requires no prelicensing course; optional study does not replace the examination.
Resident property and casualty licensure with CPCU designation

At least one of the following alternatives:

  • New Hampshire Property and Casualty Insurance Laws and Regulations (practice unavailable)
  • New Hampshire Adjuster's Property & Casualty Insurance Laws and Regulations (practice unavailable)
Age
At least 18 years old.
Application
Submit the NAIC uniform application and fees; statements must be true, correct and complete.
Character
No act constituting a ground for denial, suspension or revocation under the RSA 402-J:6 I(b) text in force before January 1, 2027.
Designation
Hold the Chartered Property Casualty Underwriter (CPCU) designation.
Examination Alternative
Pass either Series 12-81 or Series 12-83; the bulletin expressly accepts both for a producer applying for property and casualty authority.
Study
The Department requires no prelicensing course; optional study does not replace the examination.
Resident initial licensure by examination — Property and casualty

At least one of the following alternatives:

Age
At least 18 years old.
Application
Submit the NAIC uniform application and fees; statements must be true, correct and complete.
Authority
Property and casualty
Character
No act constituting a ground for denial, suspension or revocation under the RSA 402-J:6 I(b) text in force before January 1, 2027.
Examinations
Pass examinations for the requested lines; the combined property and casualty examination covers both lines, while separate property and casualty examinations establish their respective lines.
Study
The Department requires no prelicensing course; optional study does not replace the examination.
Resident initial licensure by examination — Casualty only
New Hampshire Producer's Casualty Insurance
Age
At least 18 years old.
Application
Submit the NAIC uniform application and fees; statements must be true, correct and complete.
Authority
Casualty only
Character
No act constituting a ground for denial, suspension or revocation under the RSA 402-J:6 I(b) text in force before January 1, 2027.
Examinations
Pass examinations for the requested lines; the combined property and casualty examination covers both lines, while separate property and casualty examinations establish their respective lines.
Study
The Department requires no prelicensing course; optional study does not replace the examination.
Resident initial licensure by examination — Personal lines property and casualty
New Hampshire Producer's Personal Lines (practice unavailable)
Age
At least 18 years old.
Application
Submit the NAIC uniform application and fees; statements must be true, correct and complete.
Authority
Personal lines property and casualty
Character
No act constituting a ground for denial, suspension or revocation under the RSA 402-J:6 I(b) text in force before January 1, 2027.
Examinations
Pass examinations for the requested lines; the combined property and casualty examination covers both lines, while separate property and casualty examinations establish their respective lines.
Study
The Department requires no prelicensing course; optional study does not replace the examination.
Resident initial licensure by examination — Property only
New Hampshire Producer's Property (practice unavailable)
Age
At least 18 years old.
Application
Submit the NAIC uniform application and fees; statements must be true, correct and complete.
Authority
Property only
Character
No act constituting a ground for denial, suspension or revocation under the RSA 402-J:6 I(b) text in force before January 1, 2027.
Examinations
Pass examinations for the requested lines; the combined property and casualty examination covers both lines, while separate property and casualty examinations establish their respective lines.
Study
The Department requires no prelicensing course; optional study does not replace the examination.
Resident licensure using a previous same line license exemption
No examination is required for this applicant pathway.
Age
At least 18 years old.
Application
Submit the NAIC uniform application and fees; statements must be true, correct and complete.
Character
No act constituting a ground for denial, suspension or revocation under the RSA 402-J:6 I(b) text in force before January 1, 2027.
Examination
RSA 402-J:9 I-II exempts the previously held lines from education and examination, subject to a contrary regulation under paragraph II.
Previous License
Currently licensed for the same lines in a prior state, or apply within 90 days after cancellation with certification or Producer Database evidence of good standing.
Relocation
When moving to New Hampshire, apply within 90 days after establishing legal residence; relinquish the previous resident license.
Study
The Department requires no prelicensing course; optional study does not replace the examination.

Official no-examination sources

Effective from 2026-09-22.

Resident licensure after previous same line license inactivation over 90 days and no more than two years
New Hampshire Property and Casualty Insurance Laws and Regulations (practice unavailable)
Age
At least 18 years old.
Application
Submit the full NAIC application and $210 as instructed in the Department FAQ.
Character
No act constituting a ground for denial, suspension or revocation under the RSA 402-J:6 I(b) text in force before January 1, 2027.
Examination
The Department FAQ requires the appropriate Laws and Regulations examination; Series 12-81 is the producer property and casualty law examination in its PSI bulletin.
Previous License
A previous resident producer license has been inactive or cancelled for more than 90 days, but has not lapsed for more than two years.
Requested Authority
Property and casualty lines previously held.
Study
The Department requires no prelicensing course; optional study does not replace the examination.
Resident reinstatement within 24 months
No examination is required for this applicant pathway.
Education
Resident applicants must be continuing education compliant.
Eligibility
Maintain license eligibility.
Lapse
Reinstate within 24 months after the renewal due date.
Penalty
Pay double the unpaid renewal fee; the Department requires a new application.

Official no-examination sources

Effective from 2026-09-22.

Resident renewal using approved continuing education
No examination is required for this applicant pathway.
Education
Complete 24 approved continuing education hours during the preceding 24 months no later than 60 days before renewal; at least 3 and no more than 10 ethics hours; course certification is subject to inspection.
Pathway
This route uses approved courses, programs or seminars. Examination-credit renewal is a separate route distinguished by the chosen method of satisfying continuing education.
Renewal
Pay the renewal fee and remain eligible to hold the license.
Residency
Resident individual with an existing property, casualty or personal-lines producer license.

Official no-examination sources

Effective from 2026-09-22.

Resident renewal using producer licensing examination credit

At least one of the following alternatives:

  • New Hampshire Producer's Property & Casualty Insurance (practice unavailable)
  • New Hampshire Producer's Property (practice unavailable)
  • New Hampshire Producer's Casualty Insurance
  • New Hampshire Producer's Personal Lines (practice unavailable)
Credit
Ins 1302.03(g) says successful passage of the state producer licensing exam satisfies the ensuing renewal. This applicant chooses a currently offered examination for property, casualty or personal lines; approved continuing education is the alternative condition carried by the course-renewal route.
Other Lines
The rule does not limit examination credit to these lines; an examination for a different insurance line is outside this property and casualty profession scope.
Renewal
Pay fees and maintain license eligibility.
Residency
Resident individual renewing an existing producer license.
Resident reapplication after more than 24 months of license lapse — Property and casualty

At least one of the following alternatives:

Age
At least 18 years old.
Application
Submit the NAIC uniform application and fees; statements must be true, correct and complete.
Authority
Property and casualty
Boundary
RSA 402-J:7 III allows examination-free reinstatement within 24 months. The Department page says: "Two or more years after license expiration initial license procedures and fees apply"; at exactly 24 months the statutory within-24-month rule controls.
Character
No act constituting a ground for denial, suspension or revocation under the RSA 402-J:6 I(b) text in force before January 1, 2027.
Examinations
Pass examinations for the requested lines; the combined property and casualty examination covers both lines, while separate property and casualty examinations establish their respective lines.
Lapse
More than 24 months after the renewal due date; initial application requirements and fees apply.
Study
The Department requires no prelicensing course; optional study does not replace the examination.
Resident reapplication after more than 24 months of license lapse — Casualty only
New Hampshire Producer's Casualty Insurance
Age
At least 18 years old.
Application
Submit the NAIC uniform application and fees; statements must be true, correct and complete.
Authority
Casualty only
Boundary
RSA 402-J:7 III allows examination-free reinstatement within 24 months. The Department page says: "Two or more years after license expiration initial license procedures and fees apply"; at exactly 24 months the statutory within-24-month rule controls.
Character
No act constituting a ground for denial, suspension or revocation under the RSA 402-J:6 I(b) text in force before January 1, 2027.
Examinations
Pass examinations for the requested lines; the combined property and casualty examination covers both lines, while separate property and casualty examinations establish their respective lines.
Lapse
More than 24 months after the renewal due date; initial application requirements and fees apply.
Study
The Department requires no prelicensing course; optional study does not replace the examination.
Resident reapplication after more than 24 months of license lapse — Personal lines property and casualty
New Hampshire Producer's Personal Lines (practice unavailable)
Age
At least 18 years old.
Application
Submit the NAIC uniform application and fees; statements must be true, correct and complete.
Authority
Personal lines property and casualty
Boundary
RSA 402-J:7 III allows examination-free reinstatement within 24 months. The Department page says: "Two or more years after license expiration initial license procedures and fees apply"; at exactly 24 months the statutory within-24-month rule controls.
Character
No act constituting a ground for denial, suspension or revocation under the RSA 402-J:6 I(b) text in force before January 1, 2027.
Examinations
Pass examinations for the requested lines; the combined property and casualty examination covers both lines, while separate property and casualty examinations establish their respective lines.
Lapse
More than 24 months after the renewal due date; initial application requirements and fees apply.
Study
The Department requires no prelicensing course; optional study does not replace the examination.
Resident reapplication after more than 24 months of license lapse — Property only
New Hampshire Producer's Property (practice unavailable)
Age
At least 18 years old.
Application
Submit the NAIC uniform application and fees; statements must be true, correct and complete.
Authority
Property only
Boundary
RSA 402-J:7 III allows examination-free reinstatement within 24 months. The Department page says: "Two or more years after license expiration initial license procedures and fees apply"; at exactly 24 months the statutory within-24-month rule controls.
Character
No act constituting a ground for denial, suspension or revocation under the RSA 402-J:6 I(b) text in force before January 1, 2027.
Examinations
Pass examinations for the requested lines; the combined property and casualty examination covers both lines, while separate property and casualty examinations establish their respective lines.
Lapse
More than 24 months after the renewal due date; initial application requirements and fees apply.
Study
The Department requires no prelicensing course; optional study does not replace the examination.

New Hampshire Adjuster's Property & Casualty Insurance Laws and Regulations

Provider
PSI
Format
Computer-administered examination
Exam questions
40 scored items; additional unscored experimental questions may be administered
Time limit
1 Hour
Examination outline
  • Insurance Regulation (25%)
    • Licensing requirements
    • Licensing requirements / Qualifications (402-B:3)
    • Licensing requirements / Process (402-B:3, 4)
    • Licensing requirements / Licensing exemptions (402-B:2)
    • Licensing requirements / License display (402-B:9)
    • Maintenance and duration
    • Maintenance and duration / Renewal (402-B:10-a)
    • Maintenance and duration / Renewal (402-B:10-a) / Investigations enforcement (400-A:16)
    • Maintenance and duration / Records (400-B:5)
    • Maintenance and duration / Continuing education requirements (402-B:5-a; Reg 1302.04)
    • Disciplinary actions
    • Disciplinary actions / Cease and desist order (417:12)
    • Disciplinary actions / Suspension or revocation (402-B:12)
    • Disciplinary actions / Penalties and fines (402-B:12, 13; 417:13)
    • Claim Settlement laws and regulations ((407:12–15; 417:4(XV); Reg 1002.01–.20)
    • Federal regulation
    • Federal regulation / Fraud and false statements (18 USC 1033, 1034)
    • New Hampshire Auto Laws
    • New Hampshire Auto Laws / Collision Deductible Waiver (Reg 1002.19, 412:8(III))
  • Laws and Regulations Pertaining to Property and Casualty Insurance (75%)
    • New Hampshire laws, regulations and required provisions
    • New Hampshire laws, regulations and required provisions / New Hampshire Valued Policy Law (407:11)
    • New Hampshire laws, regulations and required provisions / New Hampshire Insurance Guaranty Association (404-B)
    • New Hampshire laws, regulations and required provisions / Standard fire policy (407:1–2-a, 22)
    • New Hampshire laws, regulations and required provisions / Cancellation and nonrenewal (417-B; 417-C:1–4, 6)
    • New Hampshire laws, regulations and required provisions / Concealment, misrepresentation or fraud (407:22; RL 638:20)
    • New Hampshire laws, regulations and required provisions / Federal Terrorism Insurance Program (15 USC 6701; Public Law 107–297, 109–144, 110–160)
    • Auto Insurance
    • Auto Insurance / New Hampshire Motor Vehicle Financial Responsibility Law
    • Auto Insurance / New Hampshire Motor Vehicle Financial Responsibility Law / Required limits of liability (RSA 259:61, 264.20)
    • Auto Insurance / New Hampshire Automobile Reinsurance Facility Plan (Reg 1405)
    • Auto Insurance / New Hampshire Commercial Auto Insurance Plan
    • Auto Insurance / Uninsured/underinsured motorist (RSA 264:15)
    • Auto Insurance / Uninsured/underinsured motorist (RSA 264:15) / Definitions
    • Auto Insurance / Uninsured/underinsured motorist (RSA 264:15) / Bodily injury
    • Auto Insurance / Uninsured/underinsured motorist (RSA 264:15) / Required limits
    • Auto Insurance / Cancellation/nonrenewal (417-A)
    • Auto Insurance / Cancellation/nonrenewal (417-A) / Grounds
    • Auto Insurance / Cancellation/nonrenewal (417-A) / Notice
    • Auto Insurance / Cancellation/nonrenewal (417-A) / Notice of eligibility in Automobile Reinsurance Facility Plan (417-A:5(V))
    • Residency statement (417-A:3-b; 1406.01)
    • Medical costs coverage (RSA 264:16)
    • After market parts regulation (407-D)
Examination sources

New Hampshire Producer's Property & Casualty Insurance

Provider
PSI
Format
Computer-administered written examination
Exam questions
150 scored items; 5 to 10 additional unscored experimental questions may be administered
Time limit
2.5 hours
Examination outline
  • Insurance Regulation (13%)
    • Licensing
    • Process (402-J:5, 6)
    • Types of Licensees
    • Producer (402-J:2, 14)
    • Producer with appointment (402-J:14)
    • Business entity (402-J:6)
    • Financial institutions (406-C:1–19)
    • Resident versus nonresident (402-J:8, 16)
    • Temporary (402-J:11)
    • Maintenance and Duration
    • Renewal (402-J:7(II–IV))
    • Change of address (402-J:7(VI))
    • Reporting of actions (402-J:17)
    • Assumed names (402-J:10)
    • Continuing education requirements (Reg 1302.03, 1302.04, 1304.03)
    • Disciplinary Actions
    • Cease and desist order (417:12)
    • Denial, suspension or revocation (402:49; 402-J:12)
    • Penalties and fines (400-A:15(III); 402:42, 48; 402-J:12(IV); 417:10, 13)
    • State regulation
    • Commissioner's general duties and powers (400-A:3, 15; 417:5, 14)
    • Investigations enforcement (400-A:16)
    • Company regulation
    • Producer appointment (402-J:14)
    • Termination of appointment (402-J:15)
    • Producer regulation
    • Acting without a license (402-J:3, 13)
    • Commissions (402-J:13)
    • Conversion of funds by producer (402:53)
    • Referrals (402:16-B)
    • Controlled business (402:74)
    • Fiduciary requirements (Reg 4301.01–4301.09)
    • License to transact business (402:12)
    • Unfair claim settlement practices (417:4(XV); Reg 1001.01–.11, Reg 1002.01–.20)
    • Unfair insurance trade practices
    • Misrepresentation (402:46; 417:4(I, II))
    • Twisting (402:47; 417:4(I))
    • False information and advertising (417:4(III))
    • Defamation (417:4(IV))
    • Boycott, coercion and intimidation (417:4(V))
    • Illegal inducement (417:4(VII))
    • Unfair discrimination (417:4(VIII))
    • Rebating (402:39–41; 417:4(IX))
    • Examination of books and records (400-A:37)
    • Insurance fraud regulation (400-A:36-b(II); 417:23; RL 638:20)
    • Consumer privacy regulation (Reg 3001–3006)
    • New Hampshire Auto Laws
    • Collision Deductible Waiver (Reg 1002.19, 412:8(III))
  • Federal Laws and Regulations (2%)
    • Fair Credit Reporting Act
    • 18 United States Code (USC) Sections 1033 and 1034 - Purpose
    • Flood Insurance Education (National Flood Insurance Program (NFIP))
  • General Insurance Concepts (14%)
    • Risk
    • Methods of Handling Risk (e.g., Avoidance, Retention, Sharing, Reduction, Transfer)
    • Elements of Insurable Risks
    • Definitions (e.g., Risk, Hazard, Peril, Loss)
    • Classifications of Insurers
    • Mutual, Stock
    • Admitted, Non-Admitted
    • Foreign, Domestic, Alien
    • Elements of a Contract
    • Consideration
    • Competent Parties
    • Legal Purpose
    • Offer
    • Acceptance
    • Authority and Powers of Producers - Definitions
    • Express
    • Implied
    • Apparent
    • The Law of Agency
    • Legal Interpretations Affecting Contracts
    • Reasonable Expectations
    • Indemnity
    • Good Faith
    • Fraud
    • Warranties, Representations, Misrepresentations, and Concealment
  • Property and Casualty Insurance Basics (17%)
    • Insurable Interest
    • Damages
    • Compensatory versus Punitive
    • General versus Special
    • Liability
    • Absolute
    • Strict
    • Vicarious
    • Underwriting (Purpose, Process, Results)
    • Rate Development
    • Types
    • Components
    • Basis
    • Types of Hazards
    • Moral
    • Morale
    • Physical
    • Types of Perils
    • Named
    • Open
    • Types of Loss
    • Direct
    • Indirect
    • Loss Valuation
    • Actual Cash Value
    • Replacement Cost
    • Market Value
    • Agreed Value
    • Valued Policy
    • Functional Replacement Cost
    • Negligence
    • Torts
    • Elements of a Negligent Act
    • Defense Against Negligence
    • Accident versus Occurrence
    • Policy Structure
    • Declarations
    • Definitions
    • Insuring Agreement
    • Additional/Supplementary Coverage
    • Conditions
    • Exclusions
    • Endorsements
    • Policy Clauses
    • Insureds
    • Policy Period
    • Policy Territory
    • Cancellation and Non-Renewal
    • Deductibles
    • Other Insurance
    • Nonconcurrency
    • Primary and Excess
    • Pro Rata
    • Contribution by Equal Shares
    • Limits of Liability
    • Per Accident
    • Per Occurrence
    • Per Person
    • Aggregate
    • Split limits
    • Combined Single Limit
    • Coinsurance
    • Purpose
    • Definition
    • Calculation
    • Penalties
    • Total versus Partial Loss
    • Specific, Scheduled, and Blanket Insurance
    • Vacant versus Unoccupied
    • Named Insured Provisions
    • First Named Insured versus Other Insureds
    • Duties After Loss
    • Assignment
    • Waiver of Rights
    • Insurer Provisions
    • Liberalization
    • Subrogation
    • Claim Settlement Options
    • Duty to Defend
    • Third-party Provisions
    • Standard Mortgage Clause
    • Loss Payable Clause
    • No Benefit to the Bailee
  • Dwelling Policy Concepts (3%)
    • Purpose and Eligibility
    • Perils Insured Against
    • Basic
    • Broad
    • Special
    • Property Coverages
    • Coverage A - Dwelling
    • Coverage B - Other Structures
    • Coverage C - Personal Property
    • Coverage D - Fair Rental Value
    • Coverage E - Additional Living Expenses
    • Other Coverages
    • Dwelling Property Conditions
    • Dwelling Property Exclusions
    • Dwelling Property Endorsements
    • Personal Liability Supplement
    • Coverage L - Personal Liability
    • Coverage M - Medical Payments to Others
  • Homeowners Policy Concepts (10%)
    • Definitions
    • Eligibility and Purpose
    • Homeowners Policy Coverage Forms
    • Broad (HO-2)
    • Special (HO-3)
    • Contents Broad (HO-4)
    • Comprehensive (HO-5)
    • Unit-Owners (HO-6)
    • Modified Coverages (HO-8)
    • Section I - Property Coverages
    • Coverage A - Dwelling
    • Coverage B - Other Structures
    • Coverage C - Personal Property
    • Coverage D - Loss of Use
    • Additional Coverages
    • Section II - Liability Coverages
    • Coverage E - Personal Liability
    • Coverage F - Medical Payments to Others
    • Additional Coverages
    • Homeowners Policy Exclusions
    • Section I-Property Covered Exclusions
    • Section II - Liability Covered Exclusions
    • Homeowners Policy Conditions
    • Homeowners Policy Endorsements
    • Business Pursuits
    • Earthquake
    • Home Day Care
    • Personal Injury
    • Personal Property Replacement Cost
    • Watercraft
    • Ordinance or Law
    • Scheduled Personal Property/Personal Articles Floater
  • Personal Automobile Policy (11%)
    • Definitions
    • Personal Injury Protection Definitions
    • Liability Coverage
    • Bodily Injury and Property Damage
    • Supplementary Payments
    • Exclusions
    • Liability Extension to Towed Vehicle
    • Medical Payments Coverage
    • Uninsured and Underinsured Motorists Coverage
    • Definitions
    • Bodily Injury
    • UM and UIM Rejection
    • Coverage for Damage to your Automobile
    • Collision
    • Other than Collision (Comprehensive)
    • Deductibles
    • Exclusions
    • Duties after an Accident or Loss
    • General Provisions
    • Endorsements
    • Towing and Labor Costs
    • Extended Non-Owned Coverage - Vehicles Furnished or Available for Regular Use
    • Joint Ownership Coverage
    • Rental Vehicle Coverage
  • Commercial Automobile Policy (3%)
    • Commercial Automobile Coverage Forms
    • Covered Automobiles
    • Hired Automobiles
    • Non-owned Automobiles
    • Liability
    • Physical Damage
    • Exclusions
    • Conditions
    • Definitions
    • Selected Endorsements
    • Lessor - Additional Insured and Loss Payee
    • Mobile Equipment
    • Property Protection Coverage
    • Broad Form Products
    • Employees as Insureds
  • Commercial Property Policies (9%)
    • Commercial Package Policy
    • Purpose
    • Definition
    • Coverages
    • Coverage Extensions
    • Commercial Policy Components
    • Declarations
    • Conditions
    • Insuring Agreements
    • Exclusions
    • Commercial Property Forms
    • Coverage Forms for Building and Business Personal Property
    • Builders Risk
    • Business Income
    • Extra Expense
    • Legal Liability
    • Cause of Loss Forms
    • Commercial Crime
    • Commercial Property Endorsements
    • Ordinance or Law
    • Peak Season Limit of Insurance
    • Spoilage
    • Value Reporting Form
    • Earthquake
    • Equipment Breakdown Coverages
    • Commercial Inland Marine - Purpose
    • Ocean Marine (Distinction Between Inland and Ocean)
    • Farm Coverage
    • Farm Property Coverage Form
    • Coverage A - Dwellings
    • Coverage B - Other Private Structures
    • Coverage C - Household Personal Property
    • Coverage D - Loss of Use
    • Coverage E - Scheduled Farm Personal Property
    • Coverage F - Unscheduled Farm Personal Property
    • Coverage G - Other Farm Structures
    • Coverage H - Bodily Injury and Property Damage Liability
    • Coverage I - Personal and Advertising Injury Liability
    • Coverage J - Medical Payments
  • Commercial General Liability (9%)
    • Commercial Policy Components
    • Declarations
    • Conditions
    • Interline Endorsements
    • Commercial General Liability Coverages
    • Bodily Injury and Property Damage
    • Personal and Advertising Injury
    • Medical Payments
    • Conditions
    • Definitions
    • Exclusions
    • Occurrence versus Claims-made
    • Trigger
    • Retroactive Date
    • Commercial General Liability Exposures
    • Premises and Operations
    • Products and Completed Operations
    • Contractual Liability
  • Businessowners Policy (4%)
    • Characteristics and Purpose
    • Businessowners Section I — Property
    • Coverage
    • Exclusions
    • Limits of Insurance
    • Deductibles
    • Loss Conditions
    • General Conditions
    • Optional Coverages
    • Definitions
    • Businessowners Section II — Liability
    • Coverages
    • Exclusions
    • Who is an Insured
    • Limits of Insurance
    • General Conditions
    • Definitions
  • Other Types of Property and Casualty Insurance - Purpose and General Characteristics (3%)
    • Specialty Liability Insurance
    • Directors and Officers
    • Professional and Errors and Omissions
    • Employment Practices
    • Employee Benefits
    • Cyber Liability and Network Protection
    • Surety Contracts
    • Differences between Surety and Insurance
    • Obligation of the Surety
    • Parties to the Surety Bond
    • Principal
    • Obligee
    • Surety
    • Personal Umbrella, Commercial Umbrella, and Excess Policies
    • Underlying Limits
    • Self-Insured Retention
    • Mobile Home Policy (Insuring Agreement)
    • Earthquake Insurance (Insuring Agreement)
    • Deductible
    • Flood Insurance
  • Workers' Compensation Laws (2%)
    • Workers' Compensation Coverages and Benefits
    • Rating and Job Classification
    • Workers' Compensation Definitions
    • Occupational Accident versus Occupational Disease and Illness
    • Levels of Disability
    • Federal Laws
Examination sources

New Hampshire Property and Casualty Insurance Laws and Regulations

Provider
PSI
Format
Computer-administered written examination
Exam questions
40 scored items; 5 to 10 additional unscored experimental questions may be administered
Time limit
1 hour
Examination outline
  • Insurance Regulation (25%)
    • Licensing
    • Process (402-J:5, 6)
    • Types of Licensees
    • Producer (402-J:2, 14)
    • Producer with appointment (402-J:14)
    • Business entity (402-J:6)
    • Financial institutions (406-C:1–19)
    • Resident versus nonresident (402-J:8, 16)
    • Temporary (402-J:11)
    • Maintenance and Duration
    • Renewal (402-J:7(II–IV))
    • Change of address (402-J:7(VI))
    • Reporting of actions (402-J:17)
    • Assumed names (402-J:10)
    • Continuing education requirements (Reg 1302.03, 1302.04, 1304.03)
    • Disciplinary Actions
    • Cease and desist order (417:12)
    • Denial, suspension or revocation (402:49;402-J:12)
    • Penalties and fines (400-A15(III); 402:42, 48; 402-J:12(IV); 417:10, 13)
    • State regulation
    • Commissioner's general duties and powers (400-A:3, 15; 417:5, 14)
    • Investigations enforcement (400-A:16)
    • Company regulation
    • Producer appointment (402-J:14)
    • Termination of appointment (402-J:15)
    • Producer regulation
    • Acting without a license (402-J:3, 13)
    • Commissions (402-J:13)
    • Conversion of funds by producer (402:53)
    • Referrals (402:16-B)
    • Controlled business (402:74)
    • Fiduciary requirements (Reg 4301.01–4301.09)
    • License to transact business (402:12)
    • Unfair claim settlement practices (417:4(XV); Reg 1001.01–.11, Reg 1002.01–.20)
    • Unfair insurance trade practices
    • Misrepresentation (402:46; 417:4(I, II))
    • Twisting (402:47; 417:4(I))
    • False information and advertising (417:4(III))
    • Defamation (417:4(IV))
    • Boycott, coercion and intimidation (417:4(V))
    • Illegal inducement (417:4(VII))
    • Unfair discrimination (417:4(VIII))
    • Rebating (402:39–41; 417:4(IX))
    • Examination of books and records (400-A:37)
    • Insurance fraud regulation (400-A:36-b(II); 417:23; RL 638:20)
    • Consumer privacy regulation (Reg 3001–3006)
    • Federal regulation
    • Fair Credit Reporting Act (15 USC 1681–1681d)
    • Fraud and false statements (18 USC 1033, 1034)
    • New Hampshire Auto Laws
    • Collision Deductible Waiver (Reg 1002.19, 412:8(III))
  • Laws and Regulations Pertaining to Property and Casualty Insurance (75%)
    • New Hampshire laws, regulations and required provisions
    • New Hampshire Valued Policy Law (407:11)
    • New Hampshire Insurance Guaranty Association (404-B)
    • Standard fire policy (407:1-2-a, 22)
    • Cancellation and nonrenewal (417-B; 417-C:1–4, 6)
    • Binders (407:6)
    • Concealment, misrepresentation or fraud (407:22; RSA 638.20)
    • Claim settlement time limits (407:12, 12-a; Reg 1002.05)
    • Federal Terrorism Insurance Program (15 USC 6701; Public Law 107–297, 109–144, 110–160)
    • Record Retention (400-B)
    • Auto Insurance
    • New Hampshire Motor Vehicle Financial Responsibility Law
    • Required limits of liability (RSA 259:61, 264.20)
    • New Hampshire Automobile Reinsurance Facility Plan (Reg 1405)
    • New Hampshire Commercial Auto Insurance Plan
    • Uninsured/underinsured motorist (RSA 264:15)
    • Definitions
    • Bodily injury
    • Required limits
    • Cancellation/nonrenewal (417-A)
    • Grounds
    • Notice
    • Notice of eligibility in Automobile Reinsurance Facility Plan (417-A:5(V))
    • Residency statement (417-A:3-b; 1406.01)
    • Medical costs coverage (RSA 264:16)
    • After market parts regulation (407-D)
    • Coverage Deductible Waiver (417-A:11)
    • New Hampshire Workers Compensation Law (RSA Ch 281-A)
    • Types of laws
    • Monopolistic versus competitive
    • Compulsory versus elective
    • Exclusive remedy (RSA 281-A:8)
    • Employment covered (required, voluntary) (RSA 281-A:2(VI,VIII), 3, 5, 6, 18, 18-a)
    • Covered injuries (RSA 281-A:2(XI), 12, 14)
    • Occupational disease (RSA 281-A:2(XIII), 16)
    • Benefits provided (RSA 281-A:23–23-b, 25–37)
    • Second injury fund (RSA 281-A:55)
    • Employee classification
Examination sources

New Hampshire Producer's Casualty Insurance

Provider
PSI
Format
Computer-administered written examination
Exam questions
100 scored items; 5 to 10 additional unscored experimental questions may be administered
Time limit
2 hours
Examination outline
  • Insurance Regulation (8%)
    • Licensing
    • Process (402-J:5, 6)
    • Types of Licensees
    • Producer (402-J:2, 14)
    • Producer with appointment (402-J:14)
    • Business entity (402-J:6)
    • Financial institutions (406-C:1–19)
    • Resident versus nonresident (402-J:8, 16)
    • Temporary (402-J:11)
    • Maintenance and Duration
    • Renewal (402-J:7(II–IV))
    • Change of address (402-J:7(VI))
    • Reporting of actions (402-J:17)
    • Assumed names (402-J:10)
    • Continuing education requirements (Reg 1302.03, 1302.04, 1304.03)
    • Disciplinary Actions
    • Cease and desist order (417:12)
    • Denial, suspension or revocation (402:49; 402-J:12)
    • Penalties and fines (400-A:15(III); 402:42, 48; 402-J:12(IV); 417:10, 13)
    • State regulation
    • Commissioner's general duties and powers (400-A:3, 15; 417:5, 14)
    • Investigations enforcement (400-A:16)
    • Company regulation
    • Producer appointment (402-J:14)
    • Termination of appointment (402-J:15)
    • Producer regulation
    • Acting without a license (402-J:3, 13)
    • Commissions (402-J:13)
    • Conversion of funds by producer (402:53)
    • Referrals (402:16-B)
    • Controlled business (402:74)
    • Fiduciary requirements (Reg 4301.01–4301.09)
    • License to transact business (402:12)
    • Unfair claim settlement practices (417:4(XV); Reg 1001.01–.11, Reg 1002.01–.20)
    • Unfair insurance trade practices
    • Misrepresentation (402:46; 417:4(I, II))
    • Twisting (402:47; 417:4(I))
    • False information and advertising (417:4(III))
    • Defamation (417:4(IV))
    • Boycott, coercion and intimidation (417:4(V))
    • Illegal inducement (417:4(VII))
    • Unfair discrimination (417:4(VIII))
    • Rebating (402:39–41; 417:4(IX))
    • Examination of books and records (400-A:37)
    • Insurance fraud regulation (400-A:36-b(II); 417:23; RL 638:20)
    • Consumer privacy regulation (Reg 3001–3006)
    • New Hampshire Auto Laws
    • Collision Deductible Waiver (Reg 1002.19, 412:8(III))
  • Federal Laws and Regulations (2%)
    • Fair Credit Reporting Act
    • 18 United States Code (USC) Sections 1033 and 1034 - Purpose
  • General Insurance Concepts (20%)
    • Risk
    • Methods of Handling Risk (e.g., Avoidance, Retention, Sharing, Reduction, Transfer)
    • Elements of Insurable Risks
    • Definitions (e.g., Risk, Hazard, Peril, Loss)
    • Classifications of Insurers
    • Mutual, Stock
    • Admitted, Non-Admitted
    • Foreign, Domestic, Alien
    • Elements of a Contract
    • Consideration
    • Competent Parties
    • Legal Purpose
    • Offer
    • Acceptance
    • Authority and Powers of Producers - Definitions
    • Express
    • Implied
    • Apparent
    • The Law of Agency
    • Legal Interpretations Affecting Contracts
    • Reasonable Expectations
    • Indemnity
    • Good Faith
    • Fraud
    • Warranties, Representations, Misrepresentations, and Concealment
  • Casualty Insurance Basics (27%)
    • Damages
    • Compensatory versus Punitive
    • General versus Special
    • Liability
    • Absolute
    • Strict
    • Vicarious
    • Underwriting (Purpose, Process, Results)
    • Types of Hazards
    • Moral
    • Morale
    • Physical
    • Negligence
    • Torts
    • Elements of a Negligent Act
    • Defense Against Negligence
    • Accident versus Occurrence
    • Policy Structure
    • Declarations
    • Definitions
    • Insuring Agreement
    • Additional/Supplementary Coverage
    • Conditions
    • Exclusions
    • Endorsements
    • Policy Clauses
    • Insureds
    • Policy Period
    • Policy Territory
    • Cancellation and Non-Renewal
    • Deductibles/Self-Insured Retention
    • Other Insurance
    • Nonconcurrency
    • Primary and Excess
    • Pro Rata
    • Contribution by Equal Shares
    • Limits of Liability
    • Per Accident
    • Per Occurrence
    • Per Person
    • Aggregate
    • Split limits
    • Combined Single Limit
    • Named Insured Provisions
    • First Named Insured versus Other Insureds
    • Duties After Loss
    • Assignment
    • Waiver of Rights
    • Insurer Provisions
    • Liberalization
    • Subrogation
    • Claim Settlement Options
    • Duty to Defend
    • Arbitration
  • Personal Automobile Policy (13%)
    • Definitions
    • Personal Injury Protection Definitions
    • Liability Coverage
    • Bodily Injury and Property Damage
    • Supplementary Payments
    • Exclusions
    • Liability Extension to Towed Vehicle
    • Medical Payments Coverage
    • Uninsured and Underinsured Motorists Coverage
    • Definitions
    • Bodily Injury
    • UM and UIM Rejection
    • Coverage for Damage to your Automobile
    • Collision
    • Other than Collision (Comprehensive)
    • Deductibles
    • Exclusions
    • Duties after an Accident or Loss
    • General Provisions
    • Endorsements
    • Towing and Labor Costs
    • Extended Non-Owned Coverage - Vehicles Furnished or Available for Regular Use
    • Joint Ownership Coverage
    • Rental Vehicle Coverage
  • Commercial Automobile Policy (8%)
    • Commercial Automobile Coverage Forms
    • Covered Automobiles
    • Hired Automobiles
    • Non-owned Automobiles
    • Liability
    • Physical Damage
    • Exclusions
    • Conditions
    • Definitions
    • Selected Endorsements
    • Lessor - Additional Insured and Loss Payee
    • Mobile Equipment
    • Property Protection Coverage
    • Broad Form Products
    • Employees as Insureds
  • Commercial General Liability (10%)
    • Commercial Policy Components
    • Declarations
    • Conditions
    • Interline Endorsements
    • Commercial General Liability Coverages
    • Bodily Injury and Property Damage
    • Personal and Advertising Injury
    • Medical Payments
    • Conditions
    • Definitions
    • Exclusions
    • Occurrence versus Claims-made
    • Trigger
    • Retroactive Date
    • Commercial General Liability Exposures
    • Premises and Operations
    • Products and Completed Operations
    • Contractual Liability
  • Other Types of Casualty Insurance (8%)
    • Specialty Liability Insurance
    • Directors and Officers
    • Professional and Errors and Omissions
    • Employment Practices
    • Employee Benefits
    • Cyber Liability and Network Protection
    • Personal Umbrella, Commercial Umbrella, and Excess Policies
    • Underlying Limits
    • Self-Insured Retention
    • Surety Contracts
    • Differences between Surety and Insurance
    • Obligation of the Surety
    • Parties to the Surety Bond
    • Principal
    • Obligee
    • Surety
  • Workers' Compensation Laws (4%)
    • Workers' Compensation Coverages and Benefits
    • Rating and Job Classification
    • Workers' Compensation Definitions
    • Occupational Accident versus Occupational Disease and Illness
    • Levels of Disability
    • Federal Laws
Examination sources

New Hampshire Producer's Personal Lines

Provider
PSI
Format
Computer-administered written examination
Exam questions
100 scored items; 5 to 10 additional unscored experimental questions may be administered
Time limit
2 hours
Examination outline
  • Insurance Regulation (11%)
    • Licensing
    • Process (402-J:5, 6)
    • Types of Licensees
    • Producer (402-J:2, 14)
    • Producer with appointment (402-J:14)
    • Business entity (402-J:6)
    • Financial institutions (406-C:1–19)
    • Resident versus nonresident (402-J:8, 16)
    • Temporary (402-J:11)
    • Maintenance and Duration
    • Renewal (402-J:7(II–IV))
    • Change of address (402-J:7(VI))
    • Reporting of actions (402-J:17)
    • Assumed names (402-J:10)
    • Continuing education requirements (Reg 1302.03, 1302.04, 1304.03)
    • Disciplinary Actions
    • Cease and desist order (417:12)
    • Denial, suspension or revocation (402:49; 402-J:12)
    • Penalties and fines (400-A:15(III); 402:42, 48; 402-J:12(IV); 417:10, 13)
    • State regulation
    • Commissioner's general duties and powers (400-A:3, 15; 417:5, 14)
    • Investigations enforcement (400-A:16)
    • Company regulation
    • Producer appointment (402-J:14)
    • Termination of appointment (402-J:15)
    • Producer regulation
    • Acting without a license (402-J:3, 13)
    • Commissions (402-J:13)
    • Conversion of funds by producer (402:53)
    • Referrals (402:16-B)
    • Controlled business (402:74)
    • Fiduciary requirements (Reg 4301.01–4301.09)
    • License to transact business (402:12)
    • Unfair claim settlement practices (417:4(XV); Reg 1001.01–.11, Reg 1002.01–.20)
    • Unfair insurance trade practices
    • Misrepresentation (402:46; 417:4(I, II))
    • Twisting (402:47; 417:4(I))
    • False information and advertising (417:4(III))
    • Defamation (417:4(IV))
    • Boycott, coercion and intimidation (417:4(V))
    • Illegal inducement (417:4(VII))
    • Unfair discrimination (417:4(VIII))
    • Rebating (402:39–41; 417:4(IX))
    • Examination of books and records (400-A:37)
    • Insurance fraud regulation (400-A:36-b(II); 417:23; RL 638:20)
    • Consumer privacy regulation (Reg 3001–3006)
    • New Hampshire Auto Laws
    • Collision Deductible Waiver (Reg 1002.19, 412:8(III))
  • Federal Laws and Regulations (2%)
    • Fair Credit Reporting Act
    • 18 United States Code (USC) Sections 1033 and 1034 - Purpose
    • Flood Insurance Education (National Flood Insurance Program (NFIP))
  • General Insurance Concepts (9%)
    • Risk
    • Methods of Handling Risk (e.g., Avoidance, Retention, Sharing, Reduction, Transfer)
    • Elements of Insurable Risks
    • Definitions (e.g., Risk, Hazard, Peril, Loss)
    • Classifications of Insurers
    • Mutual, Stock
    • Admitted, Non-Admitted
    • Foreign, Domestic, Alien
    • Elements of a Contract
    • Consideration
    • Competent Parties
    • Legal Purpose
    • Offer
    • Acceptance
    • Authority and Powers of Producers - Definitions
    • Express
    • Implied
    • Apparent
    • The Law of Agency
    • Legal Interpretations Affecting Contracts
    • Reasonable Expectations
    • Indemnity
    • Good Faith
    • Fraud
    • Warranties, Representations, Misrepresentations, and Concealment
  • Property and Casualty Insurance Basics (30%)
    • Insurable Interest
    • Liability
    • Absolute
    • Strict
    • Vicarious
    • Underwriting (Purpose, Process, Results)
    • Types of Hazards
    • Moral
    • Morale
    • Physical
    • Types of Perils
    • Named
    • Open
    • Types of Loss
    • Direct
    • Indirect
    • Loss Valuation
    • Actual Cash Value
    • Replacement Cost
    • Market Value
    • Agreed Value
    • Valued Policy
    • Functional Replacement Cost
    • Negligence
    • Torts
    • Elements of a Negligent Act
    • Defense Against Negligence
    • Accident versus Occurrence
    • Policy Structure
    • Declarations
    • Definitions
    • Insuring Agreement
    • Additional/Supplementary Coverage
    • Conditions
    • Exclusions
    • Endorsements
    • Policy Clauses
    • Insureds
    • Policy Period
    • Policy Territory
    • Cancellation and Non-Renewal
    • Deductibles
    • Other Insurance
    • Nonconcurrency
    • Primary and Excess
    • Pro Rata
    • Contribution by Equal Shares
    • Limits of Liability
    • Per Accident
    • Per Occurrence
    • Per Person
    • Aggregate
    • Split limits
    • Combined Single Limit
    • Coinsurance
    • Purpose
    • Definition
    • Calculation
    • Penalties
    • Total versus Partial Loss
    • Specific, Scheduled, and Blanket Insurance
    • Vacant versus Unoccupied
    • Named Insured Provisions
    • First Named Insured versus Other Insureds
    • Duties After Loss
    • Assignment
    • Waiver of Rights
    • Insurer Provisions
    • Liberalization
    • Subrogation
    • Claim Settlement Options
    • Duty to Defend
    • Third-Party Provisions
    • Standard Mortgage Clause
    • Loss Payable Clause
    • No Benefit to the Bailee
  • Dwelling Policy Concepts (12%)
    • Purpose and Eligibility
    • Definitions
    • Perils Insured Against
    • Basic
    • Broad
    • Special
    • Property Coverages
    • Coverage A - Dwelling
    • Coverage B - Other Structures
    • Coverage C - Personal Property
    • Coverage D - Fair Rental Value
    • Coverage E - Additional Living Expenses
    • Other Coverages
    • Personal Liability Supplement
    • Coverage L - Personal Liability
    • Coverage M - Medical Payments to Others
    • Dwelling Property Conditions
    • Dwelling Property Exclusions
    • Dwelling Policy Endorsements
  • Homeowners Policy Concepts (16%)
    • Definitions
    • Eligibility and Purpose
    • Homeowners Policy Coverage Forms
    • Broad (HO-2)
    • Special (HO-3)
    • Contents Broad (HO-4)
    • Comprehensive (HO-5)
    • Unit-Owners (HO-6)
    • Modified Coverages (HO-8)
    • Section I - Property Coverages
    • Coverage A - Dwelling
    • Coverage B - Other Structures
    • Coverage C - Personal Property
    • Coverage D - Loss of Use
    • Additional Coverages
    • Section II - Liability Coverages
    • Coverage E - Personal Liability
    • Coverage F - Medical Payments to Others
    • Additional Coverages
    • Homeowners Policy Exclusions
    • Section I - Property Covered Exclusions
    • Section II - Liability Covered Exclusions
    • Homeowners Policy Conditions
    • Homeowners Policy Endorsements
    • Business Pursuits
    • Earthquake
    • Home Day Care
    • Personal Injury
    • Personal Property Replacement Cost
    • Watercraft
    • Scheduled Personal Property/Personal Articles Floater
  • Personal Automobile Policy (13%)
    • Definitions
    • Personal Injury Protection Definitions
    • Liability Coverage
    • Bodily Injury and Property Damage
    • Supplementary Payments
    • Exclusions
    • Liability Extension to Towed Vehicle
    • Medical Payments Coverage
    • Uninsured and Underinsured Motorists Coverage
    • Definitions
    • Bodily Injury
    • UM and UIM Rejection
    • Coverage for Damage to your Automobile
    • Collision
    • Other than Collision (Comprehensive)
    • Deductibles
    • Exclusions
    • Duties after an Accident or Loss
    • General Provisions
    • Endorsements
    • Towing and Labor Costs
    • Extended Non-Owned Coverage - Vehicles Furnished or Available for Regular Use
    • Joint Ownership Coverage
    • Rental Vehicle Coverage
  • Other Types of Personal Insurance (7%)
    • Personal Umbrella and Excess Policies
    • Mobile Home Policy (Insuring Agreement)
    • Earthquake Insurance (Insuring Agreement)
    • Deductible
    • Flood Insurance
    • Watercraft
Examination sources

New Hampshire Producer's Property

Provider
PSI
Format
Computer-administered examination
Exam questions
100 scored items, plus possible 5 to 10 unscored experimental questions
Time limit
2 hours
Exam fee
$59
Examination outline
  • Insurance Regulation (9%)
    • Licensing
    • Process (402-J:5, 6)
    • Types of Licensees
    • Producer (402-J:2, 14)
    • Producer with appointment (402-J:14)
    • Business entity (402-J:6)
    • Financial institutions (406-C:1–19)
    • Resident versus nonresident (402-J:8, 16)
    • Temporary (402-J:11)
    • Maintenance and Duration
    • Renewal (402-J:7(II–IV))
    • Change of address (402-J:7(VI))
    • Reporting of actions (402-J:17)
    • Assumed names (402-J:10)
    • Continuing education requirements (Reg 1302.03, 1302.04, 1304.03)
    • Disciplinary Actions
    • Cease and desist order (417:12)
    • Denial, suspension or revocation (402:49; 402-J:12)
    • Penalties and fines (400-A:15(III); 402:42, 48; 402-J:12(IV); 417:10, 13)
    • State regulation
    • Commissioner's general duties and powers (400-A:3, 15; 417:5, 14)
    • Investigations enforcement (400-A:16)
    • Company regulation
    • Producer appointment (402-J:14)
    • Termination of appointment (402-J:15)
    • Producer regulation
    • Acting without a license (402-J:3, 13)
    • Commissions (402-J:13)
    • Conversion of funds by producer (402:53)
    • Referrals (402:16-B)
    • Controlled business (402:74)
    • Fiduciary requirements (Reg 4301.01–4301.09)
    • License to transact business (402:12)
    • Unfair claim settlement practices (417:4(XV); Reg 1001.01–.11, Reg 1002.01–.20)
    • Unfair insurance trade practices
    • Misrepresentation (402:46; 417:4(I, II))
    • Twisting (402:47; 417:4(I))
    • False information and advertising (417:4(III))
    • Defamation (417:4(IV))
    • Boycott, coercion and intimidation (417:4(V))
    • Illegal inducement (417:4(VII))
    • Unfair discrimination (417:4(VIII))
    • Rebating (402:39–41; 417:4(IX))
    • Examination of books and records (400-A:37)
    • Insurance fraud regulation (400-A:36-b(II); 417:23; RL 638:20)
    • Consumer privacy regulation (Reg 3001–3006)
  • Federal Laws and Regulations (3%)
    • Fair Credit Reporting Act
    • 18 United States Code (USC) Sections 1033 and 1034 - Purpose
    • Flood Insurance Education (National Flood Insurance Program (NFIP))
  • General Insurance Concepts (18%)
    • Risk
    • Methods of Handling Risk (e.g., Avoidance, Retention, Sharing, Reduction, Transfer)
    • Elements of Insurable Risks
    • Definitions (e.g., Risk, Hazard, Peril, Loss)
    • Classifications of Insurers
    • Mutual, Stock
    • Admitted, Non-Admitted
    • Foreign, Domestic, Alien
    • Elements of a Contract
    • Consideration
    • Competent Parties
    • Legal Purpose
    • Offer
    • Acceptance
    • Authority and Powers of Producers - Definitions
    • Express
    • Implied
    • Apparent
    • The Law of Agency
    • Legal Interpretations Affecting Contracts
    • Reasonable Expectations
    • Indemnity
    • Good Faith
    • Fraud
    • Warranties, Representations, Misrepresentations, and Concealment
  • Property Insurance Basics (26%)
    • Insurable Interest
    • Underwriting (Purpose, Process, Results)
    • Rate Development
    • Types
    • Components
    • Basis
    • Types of Hazards
    • Moral
    • Morale
    • Physical
    • Types of Perils
    • Named
    • Open
    • Types of Loss
    • Direct
    • Indirect
    • Loss Valuation
    • Actual Cash Value
    • Replacement Cost
    • Market Value
    • Agreed Value
    • Valued Policy
    • Functional Replacement Cost
    • Policy Structure
    • Declarations
    • Definitions
    • Insuring Agreement
    • Additional/Supplementary Coverage
    • Conditions
    • Exclusions
    • Endorsements
    • Policy Clauses
    • Insureds
    • Policy Period
    • Policy Territory
    • Cancellation and Non-Renewal
    • Deductibles
    • Other Insurance
    • Nonconcurrency
    • Primary and Excess
    • Pro Rata
    • Contribution by Equal Shares
    • Coinsurance
    • Purpose
    • Definition
    • Calculation
    • Penalties
    • Total versus Partial Loss
    • Specific, Scheduled, and Blanket Insurance
    • Vacant versus Unoccupied
    • Named Insured Provisions
    • First Named Insured versus Other Insureds
    • Duties After Loss
    • Assignment
    • Waiver of Rights
    • Insurer Provisions
    • Liberalization
    • Subrogation
    • Claim Settlement Options
    • Duty to Defend
    • Third-party Provisions
    • Standard Mortgage Clause
    • Loss Payable Clause
    • No Benefit to the Bailee
  • Dwelling Policy Concepts (6%)
    • Purpose and Eligibility
    • Perils Insured Against
    • Basic
    • Broad
    • Special
    • Property Coverages
    • Coverage A - Dwelling
    • Coverage B - Other Structures
    • Coverage C - Personal Property
    • Coverage D - Fair Rental Value
    • Coverage E - Additional Living Expenses
    • Other Coverages
    • Dwelling Property Conditions
    • Dwelling Property Exclusions
    • Dwelling Property Endorsements
    • Personal Liability Supplement
    • Coverage L - Personal Liability
    • Coverage M - Medical Payments to Others
  • Homeowners Policy Concepts (15%)
    • Definitions
    • Eligibility and Purpose
    • Homeowners Policy Coverage Forms
    • Broad (HO-2)
    • Special (HO-3)
    • Contents Broad (HO-4)
    • Comprehensive (HO-5)
    • Unit-Owners (HO-6)
    • Modified Coverages (HO-8)
    • Section I - Property Coverages
    • Coverage A - Dwelling
    • Coverage B - Other Structures
    • Coverage C - Personal Property
    • Coverage D - Loss of Use
    • Additional Coverages
    • Section II - Liability Coverages
    • Coverage E - Personal Liability
    • Coverage F - Medical Payments to Others
    • Additional Coverages
    • Homeowners Policy Exclusions
    • Section I-Property Covered Exclusions
    • Section II - Liability Covered Exclusions
    • Homeowners Policy Conditions
    • Homeowners Policy Endorsements
    • Business Pursuits
    • Earthquake
    • Home Day Care
    • Personal Injury
    • Personal Property Replacement Cost
    • Watercraft
    • Ordinance or Law
    • Scheduled Personal Property/Personal Articles Floater
  • Commercial Property Policies (13%)
    • Commercial Package Policy
    • Purpose
    • Definition
    • Coverages
    • Coverage Extensions
    • Commercial Policy Components
    • Declarations
    • Conditions
    • Insuring Agreements
    • Exclusions
    • Commercial Property Forms
    • Coverage Forms for Building and Business Personal Property
    • Builders Risk
    • Business Income
    • Extra Expense
    • Legal Liability
    • Cause of Loss Forms
    • Commercial Crime
    • Commercial Property Endorsements
    • Ordinance or Law
    • Peak Season Limit of Insurance
    • Spoilage
    • Value Reporting Form
    • Earthquake
    • Equipment Breakdown Coverages
    • Commercial Inland Marine - Purpose
    • Ocean Marine (Distinction Between Inland and Ocean)
    • Farm Coverage
    • Farm Property Coverage Form
    • Coverage A - Dwellings
    • Coverage B - Other Private Structures
    • Coverage C - Household Personal Property
    • Coverage D - Loss of Use
    • Coverage E - Scheduled Farm Personal Property
    • Coverage F - Unscheduled Farm Personal Property
    • Coverage G - Other Farm Structures
    • Coverage H - Bodily Injury and Property Damage Liability
    • Coverage I - Personal and Advertising Injury Liability
    • Coverage J - Medical Payments
  • Businessowners Policy (7%)
    • Characteristics and Purpose
    • Businessowners Section I — Property
    • Coverage
    • Exclusions
    • Limits of Insurance
    • Deductibles
    • Loss Conditions
    • General Conditions
    • Optional Coverages
    • Definitions
    • Businessowners Section II — Liability
    • Coverages
    • Exclusions
    • Who is an Insured
    • Limits of Insurance
    • General Conditions
    • Definitions
  • Other Types of Property Insurance - Purpose and General Characteristics (3%)
    • Mobile Home Policy (Insuring Agreement)
    • Earthquake Insurance (Insuring Agreement)
    • Deductible
    • Flood Insurance
Examination sources