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Pennsylvania Property & Casualty Insurance — Requirements & Free Practice

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Insurance Producer — Individual

Property, casualty, and personal lines authority; resident and nonresident applicant pathways.

Licensing authority: Pennsylvania Insurance Department · Application information

Amendment to add casualty

At least one of the following alternatives:

Amended Fee
Submit amended licence application and $25 fee; no additional fingerprint submission for an add-qualification applicant.
Application
Submit the applicable producer application, identify requested lines and pay the statutory licence and background-check fees.
Character And Fitness
No prohibited act; general fitness, competence and reliability sufficient for Department approval under section 606-A(a).
Existing License
An active insurance producer licence with a different line of authority; pass examinations for the additional authority being requested.
Minimum Age
At least 18 years of age under section 606-A(a)(1).
Prelicensing Education
The former preexamination education requirement was deleted by Act 142 of 2024; 31 Pa. Code § 37a.12(d) still refers to that deleted provision.
Requested Authority
casualty
Residency
Resident or nonresident as determined under section 605-A.
Score Currency
Passed examinations must support an application received within one year of the passing date under 31 Pa. Code § 37a.7(c)(2).
Amendment to add property and casualty

At least one of the following alternatives:

Amended Fee
Submit amended licence application and $25 fee; no additional fingerprint submission for an add-qualification applicant.
Application
Submit the applicable producer application, identify requested lines and pay the statutory licence and background-check fees.
Character And Fitness
No prohibited act; general fitness, competence and reliability sufficient for Department approval under section 606-A(a).
Existing License
An active insurance producer licence with a different line of authority; pass examinations for the additional authority being requested.
Minimum Age
At least 18 years of age under section 606-A(a)(1).
Prelicensing Education
The former preexamination education requirement was deleted by Act 142 of 2024; 31 Pa. Code § 37a.12(d) still refers to that deleted provision.
Requested Authority
property and casualty
Residency
Resident or nonresident as determined under section 605-A.
Score Currency
Passed examinations must support an application received within one year of the passing date under 31 Pa. Code § 37a.7(c)(2).
Amendment to add personal lines
Pennsylvania Producer's Examination for Personal Lines Property and Casualty Insurance (practice unavailable)
Amended Fee
Submit amended licence application and $25 fee; no additional fingerprint submission for an add-qualification applicant.
Application
Submit the applicable producer application, identify requested lines and pay the statutory licence and background-check fees.
Character And Fitness
No prohibited act; general fitness, competence and reliability sufficient for Department approval under section 606-A(a).
Existing License
An active insurance producer licence with a different line of authority; pass examinations for the additional authority being requested.
Minimum Age
At least 18 years of age under section 606-A(a)(1).
Prelicensing Education
The former preexamination education requirement was deleted by Act 142 of 2024; 31 Pa. Code § 37a.12(d) still refers to that deleted provision.
Requested Authority
personal lines
Residency
Resident or nonresident as determined under section 605-A.
Score Currency
Passed examinations must support an application received within one year of the passing date under 31 Pa. Code § 37a.7(c)(2).
Amendment to add property

At least one of the following alternatives:

  • Pennsylvania Producer's Examination for Property Insurance (practice unavailable)
  • Pennsylvania Producer's Examination for Property and Casualty Insurance (practice unavailable)
Amended Fee
Submit amended licence application and $25 fee; no additional fingerprint submission for an add-qualification applicant.
Application
Submit the applicable producer application, identify requested lines and pay the statutory licence and background-check fees.
Character And Fitness
No prohibited act; general fitness, competence and reliability sufficient for Department approval under section 606-A(a).
Existing License
An active insurance producer licence with a different line of authority; pass examinations for the additional authority being requested.
Minimum Age
At least 18 years of age under section 606-A(a)(1).
Prelicensing Education
The former preexamination education requirement was deleted by Act 142 of 2024; 31 Pa. Code § 37a.12(d) still refers to that deleted provision.
Requested Authority
property
Residency
Resident or nonresident as determined under section 605-A.
Score Currency
Passed examinations must support an application received within one year of the passing date under 31 Pa. Code § 37a.7(c)(2).
Resident initial issuance following change of home state
No examination is required for this applicant pathway.
Application
Pay fees, commit no prohibited act and meet other Department criteria. A new line not licensed in the former home state follows examination issuance for that line.
Former License
Resident producer licensed in the former home state for equivalent lines of authority; held licence is an applicant condition.
License Currency
Hold a current former-home-state licence or apply within 90 days of its cancellation.
Relocation Window
Apply within 90 days of establishing principal residence or business in Pennsylvania.
Standing Evidence
Provide licence/clearance evidence and satisfy the clearance or good-standing records alternatives in section 606.1-A(b)(5).

Official no-examination sources

Effective from 2026-09-22.

Renewal with military or other extenuating circumstance waiver
No examination is required for this applicant pathway.
Reason
Unable to comply timely because of military service or another extenuating circumstance.
Waiver Request
Provide detail and supporting documentation establishing good cause; Department may waive lapsed-period CE and lapsed fee and permit renewal.

Official no-examination sources

Effective from 2026-09-22.

Approval and appointment as managing general agent
No examination is required for this applicant pathway.
Application
Submit appointment/termination application, executed insurer authorization, copy of producer licence and affiliate organizational chart.
Appointment
Insurer appoints MGA under Article VIII; financial/market conduct examinations are regulatory examinations, not applicant licensing assessments.
Contract
Submit insurer-MGA contract and cover sheet showing required contract provisions and prohibited acts; describe duties, lines, claims authority and termination date.
Existing License
An existing Pennsylvania resident or nonresident producer licence for applicable property/casualty lines.
Insurance And Bond
Provide fidelity bond at least 10% of maximum annual premium volume, capped at $500,000, and E&O coverage of at least $1 million as Department instructions require.

Official no-examination sources

Effective from 2026-09-22.

Prospective reinstatement of lapsed individual producer licence
No examination is required for this applicant pathway.
Application
Submit renewal form, $165 lapsed fee and evidence of all applicable continuing education for previously licensed and lapsed periods.
Continuing Education
24 approved CE credits per two-year period, including 3 ethics credits and, for property and casualty authority, 2 flood insurance credits; statutory grandfather and reciprocal exemptions apply.
Effective Result
Reinstatement effective on reinstatement date.
Lapse Window
more than 60 days but within one year after expiration.

Official no-examination sources

Effective from 2026-09-22.

Retroactive reinstatement of lapsed individual producer licence
No examination is required for this applicant pathway.
Application
Submit renewal form, $165 lapsed fee and evidence of all applicable continuing education for previously licensed and lapsed periods.
Continuing Education
24 approved CE credits per two-year period, including 3 ethics credits and, for property and casualty authority, 2 flood insurance credits; statutory grandfather and reciprocal exemptions apply.
Effective Result
Reinstatement effective on original lapse date.
Lapse Window
within 60 days after expiration.

Official no-examination sources

Effective from 2026-09-22.

Timely individual producer licence renewal
No examination is required for this applicant pathway.
Application
Submit renewal form, $55 resident or $110 nonresident fee and CE evidence where applicable; resident licensees without prior fingerprints must submit them.
Continuing Education
24 approved CE credits per two-year period, including 3 ethics credits and, for property and casualty authority, 2 flood insurance credits; statutory grandfather and reciprocal exemptions apply.
License Term
Biennial; individual expiration is based on birth month and entity expiration on original issuance.

Official no-examination sources

Effective from 2026-09-22.

Nonresident issuance with cic examination exemption
No examination is required for this applicant pathway.
Application
Submit an individual application, designation/exemption evidence, fees and applicable fingerprints; Department applies section 606-A fitness and age requirements.
Designation
Possess the Certified Insurance Counselor (CIC).
Requested Authority
Property and casualty; the CPCU provision also expressly allows separate property or casualty authority.
Residency
Principal residence or business outside Pennsylvania.

Official no-examination sources

Effective from 2026-09-22.

Nonresident issuance with cpcu examination exemption
No examination is required for this applicant pathway.
Application
Submit an individual application, designation/exemption evidence, fees and applicable fingerprints; Department applies section 606-A fitness and age requirements.
Designation
Possess the Chartered Property and Casualty Underwriter (CPCU).
Requested Authority
Property and casualty; the CPCU provision also expressly allows separate property or casualty authority.
Residency
Principal residence or business outside Pennsylvania.

Official no-examination sources

Effective from 2026-09-22.

Nonresident initial issuance by examination — casualty

At least one of the following alternatives:

Application
Submit the applicable producer application, identify requested lines and pay the statutory licence and background-check fees.
Character And Fitness
No prohibited act; general fitness, competence and reliability sufficient for Department approval under section 606-A(a).
Fingerprinting
Applicants not qualifying for reciprocal licensing must supply fingerprints under section 605-A and 31 Pa. Code § 37a.7(a)(3).
Minimum Age
At least 18 years of age under section 606-A(a)(1).
Prelicensing Education
The former preexamination education requirement was deleted by Act 142 of 2024; 31 Pa. Code § 37a.12(d) still refers to that deleted provision.
Requested Authority
casualty
Residency
Principal residence or business outside Pennsylvania; applies where reciprocal examination waiver does not cover the requested authority.
Score Currency
Passed examinations must support an application received within one year of the passing date under 31 Pa. Code § 37a.7(c)(2).
Nonresident initial issuance by examination — property and casualty

At least one of the following alternatives:

Application
Submit the applicable producer application, identify requested lines and pay the statutory licence and background-check fees.
Character And Fitness
No prohibited act; general fitness, competence and reliability sufficient for Department approval under section 606-A(a).
Fingerprinting
Applicants not qualifying for reciprocal licensing must supply fingerprints under section 605-A and 31 Pa. Code § 37a.7(a)(3).
Minimum Age
At least 18 years of age under section 606-A(a)(1).
Prelicensing Education
The former preexamination education requirement was deleted by Act 142 of 2024; 31 Pa. Code § 37a.12(d) still refers to that deleted provision.
Requested Authority
property and casualty
Residency
Principal residence or business outside Pennsylvania; applies where reciprocal examination waiver does not cover the requested authority.
Score Currency
Passed examinations must support an application received within one year of the passing date under 31 Pa. Code § 37a.7(c)(2).
Nonresident initial issuance by examination — personal lines
Pennsylvania Producer's Examination for Personal Lines Property and Casualty Insurance (practice unavailable)
Application
Submit the applicable producer application, identify requested lines and pay the statutory licence and background-check fees.
Character And Fitness
No prohibited act; general fitness, competence and reliability sufficient for Department approval under section 606-A(a).
Fingerprinting
Applicants not qualifying for reciprocal licensing must supply fingerprints under section 605-A and 31 Pa. Code § 37a.7(a)(3).
Minimum Age
At least 18 years of age under section 606-A(a)(1).
Prelicensing Education
The former preexamination education requirement was deleted by Act 142 of 2024; 31 Pa. Code § 37a.12(d) still refers to that deleted provision.
Requested Authority
personal lines
Residency
Principal residence or business outside Pennsylvania; applies where reciprocal examination waiver does not cover the requested authority.
Score Currency
Passed examinations must support an application received within one year of the passing date under 31 Pa. Code § 37a.7(c)(2).
Nonresident initial issuance by examination — property

At least one of the following alternatives:

  • Pennsylvania Producer's Examination for Property Insurance (practice unavailable)
  • Pennsylvania Producer's Examination for Property and Casualty Insurance (practice unavailable)
Application
Submit the applicable producer application, identify requested lines and pay the statutory licence and background-check fees.
Character And Fitness
No prohibited act; general fitness, competence and reliability sufficient for Department approval under section 606-A(a).
Fingerprinting
Applicants not qualifying for reciprocal licensing must supply fingerprints under section 605-A and 31 Pa. Code § 37a.7(a)(3).
Minimum Age
At least 18 years of age under section 606-A(a)(1).
Prelicensing Education
The former preexamination education requirement was deleted by Act 142 of 2024; 31 Pa. Code § 37a.12(d) still refers to that deleted provision.
Requested Authority
property
Residency
Principal residence or business outside Pennsylvania; applies where reciprocal examination waiver does not cover the requested authority.
Score Currency
Passed examinations must support an application received within one year of the passing date under 31 Pa. Code § 37a.7(c)(2).
Nonresident issuance with other approved designation examination exemption
No examination is required for this applicant pathway.
Application
Submit an individual application, designation/exemption evidence, fees and applicable fingerprints; Department applies section 606-A fitness and age requirements.
Designation
Possess the other professional designation for which the commissioner has actually waived examination requirements.
Requested Authority
Property and casualty; the CPCU provision also expressly allows separate property or casualty authority.
Residency
Principal residence or business outside Pennsylvania.

Official no-examination sources

Effective from 2026-09-22.

Nonresident initial issuance by reciprocity
No examination is required for this applicant pathway.
Application
Submit completed or updated home-state application, proof of current licence and $110 fee; home-state authority and good standing may be checked through NAIC.
Fingerprinting
Reciprocal nonresident applicants are exempt from fingerprinting.
Home State License
Current resident producer licence for equivalent property, casualty or personal lines in the home state; Pennsylvania does not adopt another state examination.
Reciprocity
Home state awards equivalent nonresident licences to Pennsylvania residents on the same basis.

Official no-examination sources

Effective from 2026-09-22.

New application after lapse exceeding one year — casualty

At least one of the following alternatives:

Application
Submit the applicable producer application, identify requested lines and pay the statutory licence and background-check fees.
Character And Fitness
No prohibited act; general fitness, competence and reliability sufficient for Department approval under section 606-A(a).
Lapsed License
Licence lapsed for more than one year; reapply under section 605-A. An applicable statutory designation or reciprocal exemption remains available under the respective issuance route.
Minimum Age
At least 18 years of age under section 606-A(a)(1).
Prelicensing Education
The former preexamination education requirement was deleted by Act 142 of 2024; 31 Pa. Code § 37a.12(d) still refers to that deleted provision.
Requested Authority
casualty
Residency
Resident or nonresident as determined under section 605-A.
Score Currency
Passed examinations must support an application received within one year of the passing date under 31 Pa. Code § 37a.7(c)(2).
New application after lapse exceeding one year — property and casualty

At least one of the following alternatives:

Application
Submit the applicable producer application, identify requested lines and pay the statutory licence and background-check fees.
Character And Fitness
No prohibited act; general fitness, competence and reliability sufficient for Department approval under section 606-A(a).
Lapsed License
Licence lapsed for more than one year; reapply under section 605-A. An applicable statutory designation or reciprocal exemption remains available under the respective issuance route.
Minimum Age
At least 18 years of age under section 606-A(a)(1).
Prelicensing Education
The former preexamination education requirement was deleted by Act 142 of 2024; 31 Pa. Code § 37a.12(d) still refers to that deleted provision.
Requested Authority
property and casualty
Residency
Resident or nonresident as determined under section 605-A.
Score Currency
Passed examinations must support an application received within one year of the passing date under 31 Pa. Code § 37a.7(c)(2).
New application after lapse exceeding one year — personal lines
Pennsylvania Producer's Examination for Personal Lines Property and Casualty Insurance (practice unavailable)
Application
Submit the applicable producer application, identify requested lines and pay the statutory licence and background-check fees.
Character And Fitness
No prohibited act; general fitness, competence and reliability sufficient for Department approval under section 606-A(a).
Lapsed License
Licence lapsed for more than one year; reapply under section 605-A. An applicable statutory designation or reciprocal exemption remains available under the respective issuance route.
Minimum Age
At least 18 years of age under section 606-A(a)(1).
Prelicensing Education
The former preexamination education requirement was deleted by Act 142 of 2024; 31 Pa. Code § 37a.12(d) still refers to that deleted provision.
Requested Authority
personal lines
Residency
Resident or nonresident as determined under section 605-A.
Score Currency
Passed examinations must support an application received within one year of the passing date under 31 Pa. Code § 37a.7(c)(2).
New application after lapse exceeding one year — property

At least one of the following alternatives:

  • Pennsylvania Producer's Examination for Property Insurance (practice unavailable)
  • Pennsylvania Producer's Examination for Property and Casualty Insurance (practice unavailable)
Application
Submit the applicable producer application, identify requested lines and pay the statutory licence and background-check fees.
Character And Fitness
No prohibited act; general fitness, competence and reliability sufficient for Department approval under section 606-A(a).
Lapsed License
Licence lapsed for more than one year; reapply under section 605-A. An applicable statutory designation or reciprocal exemption remains available under the respective issuance route.
Minimum Age
At least 18 years of age under section 606-A(a)(1).
Prelicensing Education
The former preexamination education requirement was deleted by Act 142 of 2024; 31 Pa. Code § 37a.12(d) still refers to that deleted provision.
Requested Authority
property
Residency
Resident or nonresident as determined under section 605-A.
Score Currency
Passed examinations must support an application received within one year of the passing date under 31 Pa. Code § 37a.7(c)(2).
Resident issuance with cic examination exemption
No examination is required for this applicant pathway.
Application
Submit an individual application, designation/exemption evidence, fees and applicable fingerprints; Department applies section 606-A fitness and age requirements.
Designation
Possess the Certified Insurance Counselor (CIC).
Requested Authority
Property and casualty; the CPCU provision also expressly allows separate property or casualty authority.
Residency
Principal residence or business within Pennsylvania.

Official no-examination sources

Effective from 2026-09-22.

Resident issuance with cpcu examination exemption
No examination is required for this applicant pathway.
Application
Submit an individual application, designation/exemption evidence, fees and applicable fingerprints; Department applies section 606-A fitness and age requirements.
Designation
Possess the Chartered Property and Casualty Underwriter (CPCU).
Requested Authority
Property and casualty; the CPCU provision also expressly allows separate property or casualty authority.
Residency
Principal residence or business within Pennsylvania.

Official no-examination sources

Effective from 2026-09-22.

Resident initial issuance by examination — casualty

At least one of the following alternatives:

Application
Submit the applicable producer application, identify requested lines and pay the statutory licence and background-check fees.
Character And Fitness
No prohibited act; general fitness, competence and reliability sufficient for Department approval under section 606-A(a).
Fingerprinting
Initial resident individual applicants must submit fingerprints; adding authority is exempt from a new submission.
Minimum Age
At least 18 years of age under section 606-A(a)(1).
Prelicensing Education
The former preexamination education requirement was deleted by Act 142 of 2024; 31 Pa. Code § 37a.12(d) still refers to that deleted provision.
Requested Authority
casualty
Residency
Principal residence or business in Pennsylvania.
Score Currency
Passed examinations must support an application received within one year of the passing date under 31 Pa. Code § 37a.7(c)(2).
Resident initial issuance by examination — property and casualty

At least one of the following alternatives:

Application
Submit the applicable producer application, identify requested lines and pay the statutory licence and background-check fees.
Character And Fitness
No prohibited act; general fitness, competence and reliability sufficient for Department approval under section 606-A(a).
Fingerprinting
Initial resident individual applicants must submit fingerprints; adding authority is exempt from a new submission.
Minimum Age
At least 18 years of age under section 606-A(a)(1).
Prelicensing Education
The former preexamination education requirement was deleted by Act 142 of 2024; 31 Pa. Code § 37a.12(d) still refers to that deleted provision.
Requested Authority
property and casualty
Residency
Principal residence or business in Pennsylvania.
Score Currency
Passed examinations must support an application received within one year of the passing date under 31 Pa. Code § 37a.7(c)(2).
Resident initial issuance by examination — personal lines
Pennsylvania Producer's Examination for Personal Lines Property and Casualty Insurance (practice unavailable)
Application
Submit the applicable producer application, identify requested lines and pay the statutory licence and background-check fees.
Character And Fitness
No prohibited act; general fitness, competence and reliability sufficient for Department approval under section 606-A(a).
Fingerprinting
Initial resident individual applicants must submit fingerprints; adding authority is exempt from a new submission.
Minimum Age
At least 18 years of age under section 606-A(a)(1).
Prelicensing Education
The former preexamination education requirement was deleted by Act 142 of 2024; 31 Pa. Code § 37a.12(d) still refers to that deleted provision.
Requested Authority
personal lines
Residency
Principal residence or business in Pennsylvania.
Score Currency
Passed examinations must support an application received within one year of the passing date under 31 Pa. Code § 37a.7(c)(2).
Resident initial issuance by examination — property

At least one of the following alternatives:

  • Pennsylvania Producer's Examination for Property Insurance (practice unavailable)
  • Pennsylvania Producer's Examination for Property and Casualty Insurance (practice unavailable)
Application
Submit the applicable producer application, identify requested lines and pay the statutory licence and background-check fees.
Character And Fitness
No prohibited act; general fitness, competence and reliability sufficient for Department approval under section 606-A(a).
Fingerprinting
Initial resident individual applicants must submit fingerprints; adding authority is exempt from a new submission.
Minimum Age
At least 18 years of age under section 606-A(a)(1).
Prelicensing Education
The former preexamination education requirement was deleted by Act 142 of 2024; 31 Pa. Code § 37a.12(d) still refers to that deleted provision.
Requested Authority
property
Residency
Principal residence or business in Pennsylvania.
Score Currency
Passed examinations must support an application received within one year of the passing date under 31 Pa. Code § 37a.7(c)(2).
Resident issuance with other approved designation examination exemption
No examination is required for this applicant pathway.
Application
Submit an individual application, designation/exemption evidence, fees and applicable fingerprints; Department applies section 606-A fitness and age requirements.
Designation
Possess the other professional designation for which the commissioner has actually waived examination requirements.
Requested Authority
Property and casualty; the CPCU provision also expressly allows separate property or casualty authority.
Residency
Principal residence or business within Pennsylvania.

Official no-examination sources

Effective from 2026-09-22.

Pennsylvania Producer's Examination Casualty Insurance

Provider
PSI Services LLC
Format
Computer-administered multiple-choice examination; test centre or remote proctoring
Exam questions
100 scored items, plus 5–10 unscored experimental items
Time limit
120 minutes
Passing score
70%
Exam fee
$45.00
Examination outline
  • 1.0 Insurance Regulation (23%)
    • Licensing
    • Licensing > Process and types
    • Licensing > Process and types > Requirements (40 P.S. § 310.1, 310.3-310.14)
    • Licensing > Process and types > Resident/nonresident (40 P.S. § 310.3–310.5, 310.10)
    • Licensing > Process and types > Temporary license (40 P.S. § 310.9)
    • Licensing > Process and types > Managers and exclusive general agents (40 P.S. § 310.1, 310.31)
    • Licensing > Maintenance and duration
    • Licensing > Maintenance and duration > Change in contact information (40 P.S. § 310.11(19))
    • Licensing > Maintenance and duration > Renewal (40 P.S. § 310.8)
    • Licensing > Maintenance and duration > Duty to report administrative or criminal actions (40 P.S. § 310.78)
    • Licensing > Maintenance and duration > Fictitious names (40 P.S. § 310.7)
    • Licensing > Maintenance and duration > Continuing education (40 P.S. § 310.8(b), 310.6(a), 31 Pa. Code Ch. 39a)
    • Licensing > Maintenance and duration > Waiver due to military or extenuating circumstances (40 P.S. § 310.8)
    • Licensing > Disciplinary actions
    • Licensing > Disciplinary actions > License denial, nonrenewal, suspension, or revocation (40 P.S. § 310.91, 310.11)
    • Licensing > Disciplinary actions > Penalties and fines for violations (40 P.S. §§ 310.12, 310.41a, 310.91, 1171.11)
    • Licensing > Disciplinary actions > Cease and desist order (40 P.S. §§ 310.91, 1171.9)
    • Licensing > Disciplinary actions > Cease and desist order (40 P.S. §§ 310.91, 1171.9) > Civil
    • Licensing > Disciplinary actions > Cease and desist order (40 P.S. §§ 310.91, 1171.9) > Criminal
    • Licensing > Disciplinary actions > Cease and desist order (40 P.S. §§ 310.91, 1171.9) > Hearings
    • Licensing > Disciplinary actions > Consent agreement
    • State regulation
    • State regulation > Acts constituting insurance transactions
    • State regulation > Acts constituting insurance transactions > Negotiate, sell, solicit (40 P.S. §§ 310.1, 310.3, 310.8, 310.11)
    • State regulation > Commissioner's general duties and powers (40 P.S. §§ 310.2, 1171.7)
    • State regulation > Company regulation
    • State regulation > Company regulation > Certificate of authority (40 P.S. §§ 47, 47a, 420)
    • State regulation > Company regulation > Solvency (40 P.S. §§ 72, 112)
    • State regulation > Company regulation > Policy forms and rates (40 P.S. §§ 510, 776.1–776.7, 1181–1199, 1221–1238)
    • State regulation > Company regulation > Unfair claims settlement practices (40 P.S. § 1171.5(a)(10); 31 Pa. Code Ch. 146)
    • State regulation > Producer regulation
    • State regulation > Producer regulation > Fiduciary responsibility (40 P.S. § 310.96; 31 Pa. Code Ch. § 37.81)
    • State regulation > Producer regulation > Examination of books and records (40 P.S. § 323.3-4)
    • State regulation > Producer regulation > Producer disclosure requirements (40 P.S. § 310.71(b))
    • State regulation > Producer regulation > Commissions and fees (40 P.S. §§ 310.72–310.74)
    • State regulation > Producer regulation > Prohibited acts (40 P.S. § 310.11)
    • State regulation > Appointment procedures
    • State regulation > Appointment procedures > Producer appointment (40 P.S. § 310.71, 31 Pa Code 37.61)
    • State regulation > Appointment procedures > Appointment termination (40 P.S. § 310.71a)
    • State regulation > Unfair insurance practices (40 P.S. §§ 1171.1-1171.5)
    • State regulation > Unfair insurance practices (40 P.S. §§ 1171.1-1171.5) > Rebates and Inducements (40 P.S. §§ 310.45, 310.46, 1171.5(a)(8))
    • State regulation > Unfair insurance practices (40 P.S. §§ 1171.1-1171.5) > Misrepresentation (40 P.S. §§ 310.47–.48, 1171.5(a)(1),(2))
    • State regulation > Unfair insurance practices (40 P.S. §§ 1171.1-1171.5) > Twisting (40 P.S. §§ 473)
    • State regulation > Unfair insurance practices (40 P.S. §§ 1171.1-1171.5) > False advertising (40 P.S. § 1171.5; 31 Pa. Code Ch. 51)
    • State regulation > Unfair insurance practices (40 P.S. §§ 1171.1-1171.5) > Defamation (40 P.S. § 1171.5(a)(3); 31 Pa. Code Ch. 51)
    • State regulation > Unfair insurance practices (40 P.S. §§ 1171.1-1171.5) > Boycott, coercion or intimidation (40 P.S. § 1171.5(a)(4))
    • State regulation > Unfair insurance practices (40 P.S. §§ 1171.1-1171.5) > Misappropriation of funds (40 P.S. §§ 310.11(4), 310.42)
    • State regulation > Unfair insurance practices (40 P.S. §§ 1171.1-1171.5) > Unfair discrimination (40 P.S. § 1171.5; 31 Pa. Code § 145.4)
    • State regulation > Unfair insurance practices (40 P.S. §§ 1171.1-1171.5) > Agency Termination (40 P.S. § 241, Act 143)
    • State regulation > Privacy of consumer financial information (40 P.S. § 310.77(a); 31 Pa. Code §§ 146a.1–.44)
    • State regulation > Insurance fraud regulation (40 P.S. §§ 325.1–325.62; 18 Pa. C.S. § 4117)
    • Federal regulation
    • Federal regulation > Fair Credit Reporting Act
    • Federal regulation > Fraud and False Statements (18 USC Sections 1033 and 1034)
    • Federal regulation > Privacy (Gramm-Leach-Bliley)
    • Federal regulation > Terrorism Risk Insurance Act
    • Federal regulation > Motor Carrier Act (MCS-90 and others)
    • Federal regulation > Other federal regulations (e.g., Do Not Call List; https://www.donotcall.gov/)
  • 2.0 General Insurance Concepts (13%)
    • Risk
    • Risk > Methods of Handling Risk (e.g., Avoidance, Retention, Sharing, Reduction, Transfer)
    • Risk > Elements of Insurable Risks
    • Risk > Definitions (e.g., Risk, Hazard, Peril, Loss)
    • Classifications of Insurers
    • Classifications of Insurers > Mutual, Stock
    • Classifications of Insurers > Admitted, Non-Admitted
    • Classifications of Insurers > Foreign, Domestic, Alien
    • Elements of a Contract
    • Elements of a Contract > Consideration
    • Elements of a Contract > Competent Parties
    • Elements of a Contract > Legal Purpose
    • Elements of a Contract > Offer
    • Elements of a Contract > Acceptance
    • Authority and Powers of Producers
    • Authority and Powers of Producers > Express
    • Authority and Powers of Producers > Implied
    • Authority and Powers of Producers > Apparent
    • Authority and Powers of Producers > The Law of Agency
    • Legal Interpretations Affecting Contracts
    • Legal Interpretations Affecting Contracts > Reasonable Expectations
    • Legal Interpretations Affecting Contracts > Indemnity
    • Legal Interpretations Affecting Contracts > Good Faith
    • Legal Interpretations Affecting Contracts > Fraud
    • Legal Interpretations Affecting Contracts > Warranties, Representations, Misrepresentations, and Concealment
  • 3.0 Casualty Insurance Basics (22%)
    • Damages
    • Damages > Compensatory versus Punitive
    • Damages > General versus Special
    • Liability
    • Liability > Absolute
    • Liability > Strict
    • Liability > Vicarious
    • Underwriting
    • Underwriting > Purpose
    • Underwriting > Process
    • Underwriting > Results
    • Rate Development
    • Rate Development > Types
    • Rate Development > Components
    • Rate Development > Basis
    • Types of Hazards
    • Negligence
    • Negligence > Torts
    • Negligence > Elements of a Negligent Act
    • Negligence > Defense Against Negligence
    • Accident versus Occurrence
    • Policy Structure
    • Policy Structure > Declarations
    • Policy Structure > Definitions
    • Policy Structure > Insuring Agreement
    • Policy Structure > Supplementary Coverage
    • Policy Structure > Conditions
    • Policy Structure > Exclusions
    • Policy Structure > Endorsements
    • Policy Conditions
    • Policy Conditions > Insureds
    • Policy Conditions > Policy Period
    • Policy Conditions > Policy Territory
    • Policy Conditions > Cancellation and Non-Renewal (40 P.S. 1171.5 (a)(9); 31 Pa Code Ch. 59; 40 P.S. §991.2001 et seq.; 40 P.S. §3401 et seq.)
    • Policy Conditions > Deductibles
    • Policy Conditions > Other insurance (e.g. Primary and Excess, Pro Rata, Nonconcurrency, Contribution by Equal Shares)
    • Limits of Liability
    • Limits of Liability > Per Accident
    • Limits of Liability > Per Occurrence
    • Limits of Liability > Per Person
    • Limits of Liability > Aggregate
    • Limits of Liability > Split
    • Limits of Liability > Combined Single Limit
    • Named Insured Provisions
    • Named Insured Provisions > First Named Insured versus Other Insureds
    • Named Insured Provisions > Duties After Loss
    • Named Insured Provisions > Assignment
    • Named Insured Provisions > Waiver of Rights
    • Insurer Provisions
    • Insurer Provisions > Liberalization
    • Insurer Provisions > Subrogation
    • Insurer Provisions > Claim Settlement Options
    • Insurer Provisions > Duty to Defend
    • Third-Party Provisions
    • Third-Party Provisions > Loss Payable Clause
    • Third-Party Provisions > No Benefit to the Bailee
    • Third-Party Provisions > Leinholder's rights
    • Pennsylvania Laws, Regulations and Required Provisions
    • Pennsylvania Laws, Regulations and Required Provisions > Pennsylvania Property and Casualty Insurance Guaranty Association (40 P.S. §§ 991.1801–.1820)
    • Pennsylvania Laws, Regulations and Required Provisions > Cancellation and nonrenewal
    • Pennsylvania Laws, Regulations and Required Provisions > Private residential (40 P.S. § 1171.5(a)(9); 31 Pa. Code Ch. 59.6)
    • Pennsylvania Laws, Regulations and Required Provisions > Private passenger auto (40 P.S § 991.2001 et seq.)
    • Pennsylvania Laws, Regulations and Required Provisions > Commercial (40 P.S. §§ 3401–3407; 31 Pa. Code Ch. 113.81–.88)
    • Pennsylvania Laws, Regulations and Required Provisions > Insurance consultation services exemption (40 P.S. §§ 1841–1844)
    • Pennsylvania Laws, Regulations and Required Provisions > Federal Terrorism Risk Insurance Program (15 USC 6701; Public Law 107–297, 109–144, 110–160)
  • 4.0 Personal Automobile Policy (6%)
    • Personal Automobile Policy (75 Pa. C.S. Ch. 17 §§ 1701–1799)
    • Personal Automobile Policy (75 Pa. C.S. Ch. 17 §§ 1701–1799) > Definitions
    • Personal Automobile Policy (75 Pa. C.S. Ch. 17 §§ 1701–1799) > General Provisions
    • Personal Automobile Policy (75 Pa. C.S. Ch. 17 §§ 1701–1799) > Conditions
    • Personal Automobile Policy (75 Pa. C.S. Ch. 17 §§ 1701–1799) > Duties After an Accident
    • Personal Automobile Policy (75 Pa. C.S. Ch. 17 §§ 1701–1799) > Endorsements
    • Personal Automobile Policy (75 Pa. C.S. Ch. 17 §§ 1701–1799) > Endorsements > Amendment of policy provisions — Pennsylvania (PP 01 51)
    • Personal Automobile Policy (75 Pa. C.S. Ch. 17 §§ 1701–1799) > Endorsements > Towing and labor costs (PP 03 03)
    • Personal Automobile Policy (75 Pa. C.S. Ch. 17 §§ 1701–1799) > Endorsements > Extended non-owned coverage for named individual (PP 03 06)
    • Personal Automobile Policy (75 Pa. C.S. Ch. 17 §§ 1701–1799) > Endorsements > Miscellaneous type vehicle (PP 03 23)
    • Personal Automobile Policy (75 Pa. C.S. Ch. 17 §§ 1701–1799) > Endorsements > Joint ownership coverage (PP 03 34)
    • Motor Vehicle Financial Responsibility Law (75 Pa. C.S. Ch. 17 §§ 1701–1799)
    • Personal Automobile Policy Liability ('05)
    • Personal Automobile Policy Liability ('05) > Tort Election (Full or limited) (75 Pa. C.S. Ch. 17 §§ 1705)
    • Personal Automobile Policy Liability ('05) > Bodily Injury and Property Damage
    • Personal Automobile Policy Liability ('05) > Supplementary Payments
    • Personal Automobile Policy Liability ('05) > Persons Insured
    • Personal Automobile Policy Liability ('05) > Exclusions
    • Personal Injury Protection/First Party Benefits (75 Pa. C.S. Ch. 17 §§ 1711-1725)
    • Pennsylvania Automobile Insurance Plan (75 Pa. C.S. 1741–1744)
    • Uninsured/Underinsured Motorist Coverage (40 P.S. § 2000; 75 Pa. C.S. 1731, 1733–1734, 1736, 1738)
    • Physical Damage (75 Pa. C.S. Ch. 17 §§ 1792)
    • Proof of coverages (75 Pa. C.S. Ch. 17 §§ 1781-1787)
  • 5.0 Commercial Automobile Policy ('13) (5%)
    • Commercial Automobile Policy (75 Pa. C.S. Ch. 17 §§ 1701 et seq)
    • Commercial Automobile Policy (75 Pa. C.S. Ch. 17 §§ 1701 et seq) > Definitions
    • Commercial Automobile Policy (75 Pa. C.S. Ch. 17 §§ 1701 et seq) > Provisions and Conditions
    • Commercial Automobile Policy (75 Pa. C.S. Ch. 17 §§ 1701 et seq) > Duties After an Accident
    • Commercial Automobile Policy (75 Pa. C.S. Ch. 17 §§ 1701 et seq) > Endorsements
    • Commercial Automobile Policy Liability
    • Commercial Automobile Policy Liability > Bodily Injury and Property Damage
    • Commercial Automobile Policy Liability > Supplementary Payments
    • Commercial Automobile Policy Liability > Persons Insured
    • Commercial Automobile Policy Liability > Exclusions
    • Physical Damage
    • Other Commercial Automobile forms (e.g., Motor Carrier, Auto Dealers)
    • Proof of coverages (75 Pa. C.S. Ch. 17 §§ 1781-1787)
    • Selected endorsements
    • Selected endorsements > Lessor — additional insured and loss payee (CA 20 01)
    • Selected endorsements > Mobile equipment (CA 20 15)
    • Selected endorsements > Drive other car coverage (CA 99 10)
    • Selected endorsements > Individual named insured (CA 99 17)
    • Commercial carrier regulations
    • Commercial carrier regulations > The Motor Carrier Act of 1980
    • Commercial carrier regulations > Endorsement for motor carrier policies of insurance for public liability (MCS-90)
  • 6.0 Commercial General Liability ('13) (8%)
    • Commercial Policy Components
    • Commercial Policy Components > Declarations
    • Commercial Policy Components > Conditions
    • Commercial Policy Components > Interline Endorsements
    • Commercial General Liability coverages
    • Commercial General Liability coverages > Bodily Injury and Property Damage
    • Commercial General Liability coverages > Personal and Advertising Injury
    • Commercial General Liability coverages > Medical Payments
    • Commercial General Liability coverages > Fire Damage
    • Commercial General Liability coverages > Supplementary Payments
    • Elements of Commercial General Liability
    • Elements of Commercial General Liability > Conditions
    • Elements of Commercial General Liability > Definitions
    • Elements of Commercial General Liability > Exclusions
    • Occurrence versus Claims-Made
    • Claims-Made Features
    • Claims-Made Features > Trigger
    • Claims-Made Features > Retroactive Date
    • Claims-Made Features > Prior Acts
    • Claims-Made Features > Extended Reporting Periods
    • Claims-Made Features > Claim Information
    • Commercial General Liability Exposures
    • Commercial General Liability Exposures > Premises and Operations
    • Commercial General Liability Exposures > Products and Completed Operations
    • Commercial General Liability Exposures > Contractual Liability
  • 7.0 Commercial Crime ('15) (3%)
    • Definitions
    • Insuring Agreements
    • Coverage Form Classifications (types of coverage forms only)
    • Other crime coverages
    • Other crime coverages > Lessees of Safe Deposit Boxes (CR 04 09)
    • Other crime coverages > Securities Deposited with Others (CR 04 10)
    • Other crime coverages > Guests' Property (CR 04 11)
    • Other crime coverages > Safe Depository (CR 04 12)
  • 8.0 Businessowners ('13) Policy — Liability (8%)
    • 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 and non-owned auto liability (BP 04 04)
  • 9.0 Workers' Compensation Insurance (8%)
    • Definitions
    • Coverages
    • Coverages > Workers' Compensation Insurance
    • Coverages > Employers Liability Insurance
    • Coverages > Other States Insurance
    • Coverages > Self-insured employers and employer groups (77 P.S. § 501)
    • Coverages > State Workers Insurance Fund (77 P.S. § 2601 et seq)
    • Benefits (77 P.S. § 511 et seq)
    • Benefits (77 P.S. § 511 et seq) > Death
    • Benefits (77 P.S. § 511 et seq) > Medical
    • Benefits (77 P.S. § 511 et seq) > Survivor
    • Benefits (77 P.S. § 511 et seq) > Rehabilitation
    • Benefits (77 P.S. § 511 et seq) > Lost Wages
    • Levels of Disability
    • Levels of Disability > Permanent Partial
    • Levels of Disability > Permanent Total
    • Levels of Disability > Temporary Partial
    • Levels of Disability > Temporary Total
    • Levels of Disability > Impairment Rating
    • Accident versus Occupational Disease and Illness
    • Federal Laws
    • Federal Laws > Federal Employers Liability Act (FELA) (45 USC 51– 60)
    • Federal Laws > Jones Act (46 USC 688)
    • Federal Laws > Longshore and Harbor Workers' Compensation Act (33 USC 904)
    • Federal Laws > Federal Mine Safety and Health Act (30 USC 801-944)
    • Federal Laws > Migrant Farm Workers
    • Pennsylvania Workers Compensation Act (Title 77)
    • Pennsylvania Workers Compensation Act (Title 77) > Exclusive remedy (77 P.S. §§ 72, 481)
    • Pennsylvania Workers Compensation Act (Title 77) > Employment covered (required, elective) (77 P.S. §§ 1, 21–22, 461–463, 676)
    • Pennsylvania Workers Compensation Act (Title 77) > Covered injuries (77 P.S. §§ 41, 411, 411.2, 431, 602, 631)
    • Pennsylvania Workers Compensation Act (Title 77) > Occupational disease (77 P.S. §§ 27.1, 413)
    • Pennsylvania Workers Compensation Act (Title 77) > Benefits provided (77 P.S. §§ 511, 511.2, 512–514, 516, 531, 541–542, 561–562, 582, 717.1)
    • Rating and Job Classification
    • Rating and Job Classification > Experience Rating
    • Rating and Job Classification > Premium Basis
    • Claim Reporting Procedures
  • 10.0 Other Types of Casualty Insurance (4%)
    • Specialty Liability Insurance
    • Specialty Liability Insurance > Directors and Officers
    • Specialty Liability Insurance > Professional/Errors and Omissions
    • Specialty Liability Insurance > Employment Practices
    • Specialty Liability Insurance > Employee Benefits
    • Specialty Liability Insurance > Internet Liability and Network Protection
    • Surety Bonds
    • Surety Bonds > Types
    • Surety Bonds > Parties to a Bond
    • Personal Umbrella, Commercial Umbrella, and Excess Policies (DL 98 01, CU 00 01)
    • Personal Umbrella, Commercial Umbrella, and Excess Policies (DL 98 01, CU 00 01) > Underlying Limits
    • Personal Umbrella, Commercial Umbrella, and Excess Policies (DL 98 01, CU 00 01) > Self-Insured Retention
    • Personal Umbrella, Commercial Umbrella, and Excess Policies (DL 98 01, CU 00 01) > Defense Costs
    • Personal Umbrella, Commercial Umbrella, and Excess Policies (DL 98 01, CU 00 01) > Follow Form
    • Alternative funding mechanisms
    • Alternative funding mechanisms > Risk retention groups (40 P.S. §§ 991.1501–.1506)
    • Alternative funding mechanisms > Risk purchasing groups (40 P.S. §§ 991.1508–.1512)
    • Ocean Marine
    • Ocean Marine > Protection and Indemnity
    • Other policies
    • Other policies > Aircraft liability
    • Other policies > Boatowners
Examination sources

Pennsylvania Producer's Examination for Property and Casualty Insurance

Provider
PSI Services LLC
Format
Computer-administered multiple-choice examination; test centre or remote proctoring
Exam questions
150 scored items, plus 5–10 unscored experimental items
Time limit
170 minutes
Passing score
70%
Exam fee
$55.00
Examination outline
  • 1.0 Insurance Regulation (20%)
    • Licensing
    • Licensing > Process and types
    • Licensing > Process and types > Requirements (40 P.S. § 310.1, 310.3-310.14)
    • Licensing > Process and types > Resident/nonresident (40 P.S. § 310.3–310.5, 310.10)
    • Licensing > Process and types > Temporary license (40 P.S. § 310.9)
    • Licensing > Process and types > Managers and exclusive general agents (40 P.S. § 310.1, 310.31)
    • Licensing > Maintenance and duration
    • Licensing > Maintenance and duration > Change in contact information (40 P.S. § 310.11(19))
    • Licensing > Maintenance and duration > Renewal (40 P.S. § 310.8)
    • Licensing > Maintenance and duration > Duty to report administrative or criminal actions (40 P.S. § 310.78)
    • Licensing > Maintenance and duration > Fictitious names (40 P.S. § 310.7)
    • Licensing > Maintenance and duration > Continuing education (40 P.S. § 310.8(b), 310.6(a), 31 Pa. Code Ch. 39a)
    • Licensing > Maintenance and duration > Inactivity due to military or extenuating circumstances (40 P.S. § 310.8)
    • Licensing > Disciplinary actions
    • Licensing > Disciplinary actions > License denial, nonrenewal, suspension, or revocation (40 P.S. § 310.91, 310.11)
    • Licensing > Disciplinary actions > Penalties and fines for violations (40 P.S. §§ 310.12, 310.41a, 310.91, 1171.11)
    • Licensing > Disciplinary actions > Cease and desist order (40 P.S. §§ 310.91, 1171.9)
    • Licensing > Disciplinary actions > Cease and desist order (40 P.S. §§ 310.91, 1171.9) > Civil
    • Licensing > Disciplinary actions > Cease and desist order (40 P.S. §§ 310.91, 1171.9) > Criminal
    • Licensing > Disciplinary actions > Cease and desist order (40 P.S. §§ 310.91, 1171.9) > Hearings
    • Licensing > Disciplinary actions > Consent agreement
    • State regulation
    • State regulation > Acts constituting insurance transactions
    • State regulation > Acts constituting insurance transactions > Negotiate, sell, solicit (40 P.S. §§ 310.1, 310.3, 310.8, 310.11)
    • State regulation > Commissioner's general duties and powers (40 P.S. §§ 310.2, 1171.7)
    • State regulation > Company regulation
    • State regulation > Company regulation > Certificate of authority (40 P.S. §§ 47, 47a, 420)
    • State regulation > Company regulation > Solvency (40 P.S. §§ 72, 112)
    • State regulation > Company regulation > Policy forms and rates (40 P.S. §§ 510, 776.1–776.7, 1181–1199, 1221–1238)
    • State regulation > Company regulation > Unfair claims settlement practices (40 P.S. § 1171.5(a)(10); 31 Pa. Code Ch. 146)
    • State regulation > Producer regulation
    • State regulation > Producer regulation > Fiduciary responsibility (40 P.S. § 310.96; 31 Pa. Code Ch. § 37.81)
    • State regulation > Producer regulation > Examination of books and records (40 P.S. § 323.3-4)
    • State regulation > Producer regulation > Producer disclosure requirements (40 P.S. § 310.71(b))
    • State regulation > Producer regulation > Commissions and fees (40 P.S. §§ 310.72–310.74)
    • State regulation > Producer regulation > Prohibited acts (40 P.S. § 310.11)
    • State regulation > Appointment procedures
    • State regulation > Appointment procedures > Producer appointment (40 P.S. § 310.71, 31 Pa Code 37.61)
    • State regulation > Appointment procedures > Appointment termination (40 P.S. § 310.71a)
    • State regulation > Unfair insurance practices (40 P.S. §§ 1171.1-1171.5)
    • State regulation > Unfair insurance practices (40 P.S. §§ 1171.1-1171.5) > Rebates and Inducements (40 P.S. §§ 310.45, 310.46, 1171.5(a)(8))
    • State regulation > Unfair insurance practices (40 P.S. §§ 1171.1-1171.5) > Misrepresentation (40 P.S. §§ 310.47–.48, 1171.5(a)(1),(2))
    • State regulation > Unfair insurance practices (40 P.S. §§ 1171.1-1171.5) > Twisting (40 P.S. §§ 473)
    • State regulation > Unfair insurance practices (40 P.S. §§ 1171.1-1171.5) > False advertising (40 P.S. § 1171.5; 31 Pa. Code Ch. 51)
    • State regulation > Unfair insurance practices (40 P.S. §§ 1171.1-1171.5) > Defamation (40 P.S. § 1171.5(a)(3); 31 Pa. Code Ch. 51)
    • State regulation > Unfair insurance practices (40 P.S. §§ 1171.1-1171.5) > Boycott, coercion or intimidation (40 P.S. § 1171.5(a)(4))
    • State regulation > Unfair insurance practices (40 P.S. §§ 1171.1-1171.5) > Misappropriation of funds (40 P.S. §§ 310.11(4), 310.42)
    • State regulation > Unfair insurance practices (40 P.S. §§ 1171.1-1171.5) > Unfair discrimination (40 P.S. § 1171.5; 31 Pa. Code § 145.4)
    • State regulation > Unfair insurance practices (40 P.S. §§ 1171.1-1171.5) > Agency Termination (40 P.S. § 241, Act 143)
    • State regulation > Privacy of consumer financial information (40 P.S. § 310.77(a); 31 Pa. Code §§ 146a.1–.44)
    • State regulation > Insurance fraud regulation (40 P.S. §§ 325.1–325.62; 18 Pa. C.S. § 4117)
    • Federal Regulation
    • Federal Regulation > Fair Credit Reporting Act
    • Federal Regulation > Fraud and False Statements (18 USC Sections 1033 and 1034)
    • Federal Regulation > Privacy (Gramm-Leach-Bliley)
    • Federal Regulation > Terrorism Risk Insurance Act
    • Federal Regulation > Motor Carrier Act (MCS-90 and others)
    • Federal Regulation > Other federal regulations (e.g., Do Not Call List; https://www.donotcall.gov/)
  • 2.0 General Insurance Concepts (8%)
    • Risk
    • Risk > Methods of Handling Risk (e.g., Avoidance, Retention, Sharing, Reduction, Transfer)
    • Risk > Elements of Insurable Risks
    • Risk > Definitions (e.g., Risk, Hazard, Peril, Loss)
    • Classifications of Insurers
    • Classifications of Insurers > Mutual, Stock
    • Classifications of Insurers > Admitted, Non-Admitted
    • Classifications of Insurers > Foreign, Domestic, Alien
    • Elements of a Contract
    • Elements of a Contract > Consideration
    • Elements of a Contract > Competent Parties
    • Elements of a Contract > Legal Purpose
    • Elements of a Contract > Offer
    • Elements of a Contract > Acceptance
    • Authority and Powers of Producers
    • Authority and Powers of Producers > Express
    • Authority and Powers of Producers > Implied
    • Authority and Powers of Producers > Apparent
    • Authority and Powers of Producers > The Law of Agency
    • Legal Interpretations Affecting Contracts
    • Legal Interpretations Affecting Contracts > Reasonable Expectations
    • Legal Interpretations Affecting Contracts > Indemnity
    • Legal Interpretations Affecting Contracts > Good Faith
    • Legal Interpretations Affecting Contracts > Fraud
    • Legal Interpretations Affecting Contracts > Warranties, Representations, Misrepresentations, and Concealment
  • 3.0 Property and Casualty Insurance Basics (14%)
    • Insurable Interest
    • Damages
    • Damages > Compensatory versus Punitive
    • Damages > General versus Special
    • Liability
    • Liability > Absolute
    • Liability > Strict
    • Liability > Vicarious
    • Underwriting
    • Underwriting > Purpose
    • Underwriting > Process
    • Underwriting > Results
    • Rate Development
    • Rate Development > Types
    • Rate Development > Components
    • Rate Development > Basis
    • Types of Hazards
    • Types of Loss
    • Types of Loss > Direct
    • Types of Loss > Indirect
    • Loss valuation
    • Loss valuation > Actual Cash Value
    • Loss valuation > Replacement Cost
    • Loss valuation > Functional Replacement Cost
    • Loss valuation > Market Value
    • Loss valuation > Agreed Value
    • Loss valuation > Valued Policy
    • Basic Types of Construction
    • Negligence
    • Negligence > Torts
    • Negligence > Elements of a Negligent Act
    • Negligence > Defense Against Negligence
    • Accident versus Occurrence
    • Policy Structure
    • Policy Structure > Declarations
    • Policy Structure > Definitions
    • Policy Structure > Insuring Agreement
    • Policy Structure > Supplementary Coverage
    • Policy Structure > Conditions
    • Policy Structure > Exclusions
    • Policy Structure > Endorsements
    • Policy Conditions
    • Policy Conditions > Insureds
    • Policy Conditions > Policy Period
    • Policy Conditions > Policy Territory
    • Policy Conditions > Cancellation and Non-Renewal (40 P.S. 1171.5 (a)(9); 31 Pa Code Ch. 59; 40 P.S. §991.2001 et seq.; 40 P.S. §3401 et seq.)
    • Policy Conditions > Deductibles
    • Policy Conditions > Other insurance (e.g. Primary and Excess, Pro Rata, Nonconcurrency, Contribution by Equal Shares)
    • Limits of Liability
    • Limits of Liability > Per Accident
    • Limits of Liability > Per Occurrence
    • Limits of Liability > Per Person
    • Limits of Liability > Aggregate
    • Limits of Liability > Split
    • Limits of Liability > Combined Single Limit
    • Coinsurance
    • Coinsurance > Purpose
    • Coinsurance > Definition
    • Coinsurance > Calculation
    • Coinsurance > Penalties
    • Coinsurance > Total versus Partial Loss
    • Specific, Scheduled, and Blanket Insurance
    • Named Insured Provisions
    • Named Insured Provisions > First Named Insured versus Other Insureds
    • Named Insured Provisions > Duties After Loss
    • Named Insured Provisions > Assignment
    • Named Insured Provisions > Waiver of Rights
    • Insurer Provisions
    • Insurer Provisions > Liberalization
    • Insurer Provisions > Subrogation
    • Insurer Provisions > Claim Settlement Options
    • Insurer Provisions > Duty to Defend
    • Third-Party Provisions
    • Third-Party Provisions > Loss Payable Clause
    • Third-Party Provisions > No Benefit to the Bailee
    • Third-Party Provisions > Leinholder's rights
    • Pennsylvania Laws, Regulations and Required Provisions
    • Pennsylvania Laws, Regulations and Required Provisions > Pennsylvania Property and Casualty Insurance Guaranty Association (40 P.S. §§ 991.1801–.1820)
    • Pennsylvania Laws, Regulations and Required Provisions > Standard fire policy (40 P.S. § 636)
    • Pennsylvania Laws, Regulations and Required Provisions > Cancellation and nonrenewal
    • Pennsylvania Laws, Regulations and Required Provisions > Private residential (40 P.S. § 1171.5(a)(9); 31 Pa. Code Ch. 59.6)
    • Pennsylvania Laws, Regulations and Required Provisions > Commercial (40 P.S. §§ 3401–3407; 31 Pa. Code Ch. 113.81–.88)
    • Pennsylvania Laws, Regulations and Required Provisions > Private passenger auto (40 P.S § 991.2001 et seq.)
    • Pennsylvania Laws, Regulations and Required Provisions > Basic property insurance — death of named insured (40 P.S. § 636.1(a))
    • Pennsylvania Laws, Regulations and Required Provisions > Binders (40 P.S. § 636)
    • Pennsylvania Laws, Regulations and Required Provisions > Insurance consultation services exemption (40 P.S. §§ 1841–1844)
    • Pennsylvania Laws, Regulations and Required Provisions > Federal Terrorism Risk Insurance Program (15 USC 6701; Public Law 107–297, 109–144, 110–160)
  • 4.0 Dwelling Policy Concepts (4%)
    • Dwelling Policy ('14)
    • Dwelling Policy ('14) > Characteristics
    • Dwelling Policy ('14) > Eligibility
    • Dwelling Policy ('14) > Purpose
    • Dwelling Policy ('14) > Policy Definitions
    • Coverage Forms Specifying Perils Insured Against
    • Coverage Forms Specifying Perils Insured Against > DP-1 Basic
    • Coverage Forms Specifying Perils Insured Against > DP-2 Broad
    • Coverage Forms Specifying Perils Insured Against > DP-3 Special
    • Property Coverages
    • Property Coverages > Dwelling
    • Property Coverages > Other Structures
    • Property Coverages > Personal Property
    • Property Coverages > Fair Rental Value
    • Property Coverages > Additional Living Expense
    • Dwelling Policy Exclusions
    • Dwelling Policy Conditions
    • Dwelling Policy Endorsements
    • Dwelling Policy Endorsements > Special Provisions - Pennsylvania (DP 01 37)
    • Dwelling Policy Endorsements > Automatic Increase in Insurance Coverage (Inflation Protection) (DP 04 11)
    • Dwelling Policy Endorsements > Dwelling Under Construction (DP 11 43)
    • Dwelling Policy Endorsements > Theft Coverage (DP 04 72)
    • Dwelling Policy Endorsements > Personal Liability Supplement
  • 5.0 Homeowners Policy Concepts (7%)
    • Homeowners Policy ('11)
    • Homeowners Policy ('11) > Characteristics
    • Homeowners Policy ('11) > Eligibility
    • Homeowners Policy ('11) > Purpose
    • Homeowners Policy ('11) > Policy Definitions
    • Perils Insured Against
    • Perils Insured Against > Basic
    • Perils Insured Against > Broad
    • Perils Insured Against > Special
    • Homeowners Policy Coverage Forms
    • Homeowners Policy Coverage Forms > Broad (HO-2)
    • Homeowners Policy Coverage Forms > Special (HO-3)
    • Homeowners Policy Coverage Forms > Contents Broad (HO-4)
    • Homeowners Policy Coverage Forms > Comprehensive (HO-5)
    • Homeowners Policy Coverage Forms > Unit-Owners (HO-6)
    • Homeowners Policy Coverage Forms > Modified Coverages (HO-8)
    • Property Coverages
    • Property Coverages > Dwelling
    • Property Coverages > Other Structures
    • Property Coverages > Personal Property
    • Property Coverages > Loss of Use
    • Property Coverages > Additional Coverages
    • Liability Coverages
    • Liability Coverages > Personal Liability
    • Liability Coverages > Medical Payments to Others
    • Homeowners Policy Exclusions
    • Homeowners Policy Exclusions > Vacant versus Unoccupied
    • Homeowners Policy Conditions
    • Homeowners Policy Conditions > Standard Mortgage Clause
    • Homeowners Policy Endorsements
    • Homeowners Policy Endorsements > Business Pursuits (HO 24 71)
    • Homeowners Policy Endorsements > Home Day Care (HO 04 97)
    • Homeowners Policy Endorsements > Personal Injury (HO 24 82)
    • Homeowners Policy Endorsements > Personal Property Replacement Cost - Pennsylvania (HO 23 63)
    • Homeowners Policy Endorsements > Watercraft (HO 24 75)
    • Homeowners Policy Endorsements > Identity Theft
    • Homeowners Policy Endorsements > Water and Sewer Backup
    • Homeowners Policy Endorsements > Special Provisions - Pennsylvania (HO 01 37)
    • Homeowners Policy Endorsements > Limited Fungi, Wet or Dry Rot, or Bacteria (HO 04 26, HO 04 27)
    • Homeowners Policy Endorsements > Permitted Incidental Occupancies (HO 04 42)
    • Homeowners Policy Endorsements > Identity Fraud Expense (HO 04 55)
    • Homeowners Policy Endorsements > Earthquake Coverage (HO 04 54)
    • Scheduled Personal Property/Personal Articles Floater (HO 04 61)
  • 6.0 Personal Automobile Policy (10%)
    • Personal Automobile Policy (75 Pa. C.S. Ch. 17 §§ 1701–1799)
    • Personal Automobile Policy (75 Pa. C.S. Ch. 17 §§ 1701–1799) > Definitions
    • Personal Automobile Policy (75 Pa. C.S. Ch. 17 §§ 1701–1799) > General Provisions
    • Personal Automobile Policy (75 Pa. C.S. Ch. 17 §§ 1701–1799) > Conditions
    • Personal Automobile Policy (75 Pa. C.S. Ch. 17 §§ 1701–1799) > Duties After an Accident
    • Personal Automobile Policy (75 Pa. C.S. Ch. 17 §§ 1701–1799) > Endorsements
    • Personal Automobile Policy (75 Pa. C.S. Ch. 17 §§ 1701–1799) > Amendment of policy provisions — Pennsylvania (PP 01 51)
    • Personal Automobile Policy (75 Pa. C.S. Ch. 17 §§ 1701–1799) > Towing and labor costs (PP 03 03)
    • Personal Automobile Policy (75 Pa. C.S. Ch. 17 §§ 1701–1799) > Extended non-owned coverage for named individual (PP 03 06)
    • Personal Automobile Policy (75 Pa. C.S. Ch. 17 §§ 1701–1799) > Miscellaneous type vehicle (PP 03 23)
    • Personal Automobile Policy (75 Pa. C.S. Ch. 17 §§ 1701–1799) > Joint ownership coverage (PP 03 34)
    • Motor Vehicle Financial Responsibility Law (75 Pa. C.S. Ch. 17 §§ 1701–1799)
    • Personal Automobile Policy Liability ('05)
    • Personal Automobile Policy Liability ('05) > Tort Election (Full or limited) (75 Pa. C.S. Ch. 17 §§ 1705)
    • Personal Automobile Policy Liability ('05) > Tort Election (Full or limited) (75 Pa. C.S. Ch. 17 §§ 1705) > Bodily Injury and Property Damage
    • Personal Automobile Policy Liability ('05) > Tort Election (Full or limited) (75 Pa. C.S. Ch. 17 §§ 1705) > Supplementary Payments
    • Personal Automobile Policy Liability ('05) > Tort Election (Full or limited) (75 Pa. C.S. Ch. 17 §§ 1705) > Persons Insured
    • Personal Automobile Policy Liability ('05) > Tort Election (Full or limited) (75 Pa. C.S. Ch. 17 §§ 1705) > Exclusions
    • Personal Injury Protection/First Party Benefits (75 Pa. C.S. Ch. 17 §§ 1711-1725)
    • Pennsylvania Assigned Risk Plan (75 Pa. C.S. 1741–1744)
    • Uninsured/Underinsured Motorist Coverage (40 P.S. § 2000; 75 Pa. C.S. 1731, 1733–1734, 1736, 1738)
    • Physical Damage (75 Pa. C.S. Ch. 17 §§ 1792)
    • Proof of coverages (75 Pa. C.S. Ch. 17 §§ 1781-1787)
  • 7.0 Commercial Automobile Policy ('13) (5%)
    • Commercial Automobile Policy (75 Pa. C.S. Ch. 17 §§ 1701 et seq)
    • Commercial Automobile Policy (75 Pa. C.S. Ch. 17 §§ 1701 et seq) > Definitions
    • Commercial Automobile Policy (75 Pa. C.S. Ch. 17 §§ 1701 et seq) > Provisions and Conditions
    • Commercial Automobile Policy (75 Pa. C.S. Ch. 17 §§ 1701 et seq) > Duties After an Accident
    • Commercial Automobile Policy (75 Pa. C.S. Ch. 17 §§ 1701 et seq) > Endorsements
    • Commercial Automobile Policy Liability
    • Commercial Automobile Policy Liability > Bodily Injury and Property Damage
    • Commercial Automobile Policy Liability > Supplementary Payments
    • Commercial Automobile Policy Liability > Persons Insured
    • Commercial Automobile Policy Liability > Exclusions
    • Physical Damage
    • Other Commercial Automobile forms (e.g., Motor Carrier, Auto Dealers)
    • Proof of coverages (75 Pa. C.S. Ch. 17 §§ 1781-1787)
    • Selected endorsements
    • Selected endorsements > Lessor — additional insured and loss payee (CA 20 01)
    • Selected endorsements > Mobile equipment (CA 20 15)
    • Selected endorsements > Drive other car coverage (CA 99 10)
    • Selected endorsements > Individual named insured (CA 99 17)
    • Commercial carrier regulations
    • Commercial carrier regulations > The Motor Carrier Act of 1980
    • Commercial carrier regulations > Endorsement for motor carrier policies of insurance for public liability (MCS-90)
  • 8.0 Commercial Property Policies ('12) (7%)
    • Commercial Package Policy
    • Commercial Package Policy > Purpose
    • Commercial Package Policy > Definition
    • Commercial Package Policy > Coverage parts
    • Commercial Policy Components
    • Commercial Policy Components > Declarations
    • Commercial Policy Components > Conditions
    • Commercial Policy Components > Insuring Agreements
    • Commercial Policy Components > Exclusions
    • Commercial Policy Components > Interline Endorsements
    • Commercial Property Forms
    • Commercial Property Forms > Coverage Forms for Building and Business Personal Property
    • Commercial Property Forms > Builders Risk
    • Commercial Property Forms > Business Income
    • Commercial Property Forms > Extra Expense
    • Commercial Property Forms > Legal Liability
    • Commercial Property Forms > Cause of Loss Forms
    • Commercial Property Endorsements
    • Commercial Property Endorsements > Ordinance or Law (CP 04 05)
    • Commercial Property Endorsements > Peak Season Limit of Insurance (CP 12 30)
    • Commercial Property Endorsements > Spoilage (CP 04 40)
    • Commercial Property Endorsements > Value Reporting Form (CP 13 10)
    • Commercial Inland Marine
    • Commercial Inland Marine > Definitions
    • Commercial Inland Marine > Conditions and Exclusions
    • Commercial Inland Marine > Coverages (e.g. Transportation, Contractor's Floater, Equipment)
    • Equipment Breakdown Coverages
    • Equipment Breakdown Coverages > Equipment Breakdown Protection Coverage Form (EB 00 20)
    • Equipment Breakdown Coverages > Selected endorsement
    • Equipment Breakdown Coverages > Selected endorsement > Actual Cash Value (EB 99 59)
    • Farm Property
    • Farm Property > Definitions
    • Farm Property > Conditions and Exclusions
    • Farm Property > Coverages
    • Farm Property > Farm property coverage form ('03)
    • Farm Property > Livestock coverage form
    • Farm Property > Mobile agricultural machinery and equipment coverage form
  • 9.0 Commercial General Liability ('13) (7%)
    • Commercial Policy Components
    • Commercial Policy Components > Declarations
    • Commercial Policy Components > Conditions
    • Commercial Policy Components > Interline Endorsements
    • Commercial General Liability coverages
    • Commercial General Liability coverages > Bodily Injury and Property Damage
    • Commercial General Liability coverages > Personal and Advertising Injury
    • Commercial General Liability coverages > Medical Payments
    • Commercial General Liability coverages > Fire Damage
    • Commercial General Liability coverages > Supplementary Payments
    • Elements of Commercial General Liability
    • Elements of Commercial General Liability > Conditions
    • Elements of Commercial General Liability > Definitions
    • Elements of Commercial General Liability > Exclusions
    • Occurrence versus Claims-Made
    • Claims-Made Features
    • Claims-Made Features > Trigger
    • Claims-Made Features > Retroactive Date
    • Claims-Made Features > Prior Acts
    • Claims-Made Features > Extended Reporting Periods
    • Claims-Made Features > Claim Information
    • Commercial General Liability Exposures
    • Commercial General Liability Exposures > Premises and Operations
    • Commercial General Liability Exposures > Products and Completed Operations
    • Commercial General Liability Exposures > Contractual Liability
  • 10.0 Commercial Crime ('15) (2%)
    • Definitions
    • Insuring Agreements
    • Coverage Form Classifications (types of coverage forms only)
    • Other crime coverages
    • Other crime coverages > Lessees of Safe Deposit Boxes (CR 04 09)
    • Other crime coverages > Securities Deposited with Others (CR 04 10)
    • Other crime coverages > Guests' Property (CR 04 11)
    • Other crime coverages > Safe Depository (CR 04 12)
  • 14.0 Businessowners ('13) Policy — Property (3%)
    • 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 > Hired and non-owned auto liability (BP 04 04)
    • Selected endorsements > Protective safeguards (BP 04 30)
    • Selected endorsements > Utility services — direct damage (BP 04 56)
    • Selected endorsements > Utility services — time element (BP 04 57)
  • 11.0 Workers' Compensation Insurance (5%)
    • Definitions
    • Coverages
    • Coverages > Workers' Compensation Insurance
    • Coverages > Employers Liability Insurance
    • Coverages > Other States Insurance
    • Coverages > Self-insured employers and employer groups (77 P.S. § 501)
    • Coverages > State Workers Insurance Fund (77 P.S. § 2601 et seq.)
    • Benefits (77 P.S. § 511 et seq)
    • Benefits (77 P.S. § 511 et seq) > Death
    • Benefits (77 P.S. § 511 et seq) > Medical
    • Benefits (77 P.S. § 511 et seq) > Survivor
    • Benefits (77 P.S. § 511 et seq) > Rehabilitation
    • Benefits (77 P.S. § 511 et seq) > Lost Wages
    • Levels of Disability
    • Levels of Disability > Permanent Partial
    • Levels of Disability > Permanent Total
    • Levels of Disability > Temporary Partial
    • Levels of Disability > Temporary Total
    • Levels of Disability > Impairment Rating
    • Accident versus Occupational Disease and Illness
    • Federal Laws
    • Federal Laws > Federal Employers Liability Act (FELA) (45 USC 51– 60)
    • Federal Laws > Jones Act (46 USC 688)
    • Federal Laws > Longshore and Harbor Workers' Compensation Act (33 USC 904)
    • Federal Laws > Migrant Farm Workers
    • Federal Laws > Federal Mine Safety and Health Act (30 USC 801-944)
    • Pennsylvania Workers Compensation Act (Title 77)
    • Pennsylvania Workers Compensation Act (Title 77) > Exclusive remedy (77 P.S. §§ 72, 481)
    • Pennsylvania Workers Compensation Act (Title 77) > Employment covered (required, elective) (77 P.S. §§ 1, 21–22, 461–463, 676)
    • Pennsylvania Workers Compensation Act (Title 77) > Covered injuries (77 P.S. §§ 41, 411, 411.2, 431, 602, 631)
    • Pennsylvania Workers Compensation Act (Title 77) > Occupational disease (77 P.S. §§ 27.1, 413)
    • Pennsylvania Workers Compensation Act (Title 77) > Benefits provided (77 P.S. §§ 511, 511.2, 512–514, 516, 531, 541–542, 561–562, 582, 717.1)
    • Rating and Job Classification
    • Rating and Job Classification > Experience Rating
    • Rating and Job Classification > Premium Basis
    • Claim Reporting Procedures
  • 12.0 Other Types of Property and Casualty Insurance (8%)
    • Specialty Liability Insurance
    • Specialty Liability Insurance > Directors and Officers
    • Specialty Liability Insurance > Professional/Errors and Omissions
    • Specialty Liability Insurance > Employment Practices
    • Specialty Liability Insurance > Employee Benefits
    • Specialty Liability Insurance > Internet Liability and Network Protection
    • Surety Bonds
    • Surety Bonds > Types
    • Surety Bonds > Parties to a Bond
    • Personal Umbrella, Commercial Umbrella, and Excess Policies (DL 98 01, CU 00 01)
    • Personal Umbrella, Commercial Umbrella, and Excess Policies (DL 98 01, CU 00 01) > Underlying Limits
    • Personal Umbrella, Commercial Umbrella, and Excess Policies (DL 98 01, CU 00 01) > Self-Insured Retention
    • Personal Umbrella, Commercial Umbrella, and Excess Policies (DL 98 01, CU 00 01) > Defense Costs
    • Personal Umbrella, Commercial Umbrella, and Excess Policies (DL 98 01, CU 00 01) > Follow Form
    • Farmowners/Ranchowners Policy
    • Mobile Home Policy
    • Purpose of Difference in Conditions
    • Flood Insurance
    • Flood Insurance > Private vs. NFIP
    • Flood Insurance > Private vs. NFIP > Eligibility
    • Flood Insurance > Coverage
    • Flood Insurance > Limits
    • Flood Insurance > Deductibles
    • Residual markets including FAIR Plans (40 P.S. §§ 1600.101–.103)
    • Alternative funding mechanisms
    • Alternative funding mechanisms > Risk retention groups (40 P.S. §§ 991.1501–.1506)
    • Alternative funding mechanisms > Risk purchasing groups (40 P.S. §§ 991.1508–.1512)
    • Federal Crop Insurance (RMA)
    • Ocean Marine
    • Ocean Marine > Major coverages
    • Ocean Marine > Hull insurance
    • Ocean Marine > Cargo insurance
    • Ocean Marine > Freight insurance
    • Ocean Marine > Implied warranties
    • Ocean Marine > Perils
    • Ocean Marine > General and particular average
    • Ocean Marine > Protection and Indemnity
    • Other policies
    • Other policies > Aircraft hull
    • Other policies > Aircraft liability
    • Other policies > Boatowners
    • Other policies > Personal watercraft
    • Other policies > Recreational vehicles
    • Other policies > Pet Insurance
Examination sources

Pennsylvania Producer's Examination for Personal Lines Property and Casualty Insurance

Provider
PSI Services LLC
Format
Computer-administered multiple-choice examination; test centre or remote proctoring
Exam questions
100 scored items, plus 5–10 unscored experimental items
Time limit
120 minutes
Passing score
70%
Exam fee
$45.00
Examination outline
  • 1.0 Insurance Regulation (17%)
    • Licensing
    • Licensing > Process and types
    • Licensing > Process and types > Requirements (40 P.S. § 310.1, 310.3-310.14)
    • Licensing > Process and types > Resident/nonresident (40 P.S. § 310.3–310.5, 310.10)
    • Licensing > Process and types > Temporary license (40 P.S. § 310.9)
    • Licensing > Process and types > Managers and exclusive general producers (40 P.S. § 310.1, 310.31)
    • Licensing > Maintenance and duration
    • Licensing > Maintenance and duration > Change in contact information (40 P.S. § 310.11(19))
    • Licensing > Maintenance and duration > Renewal (40 P.S. § 310.8)
    • Licensing > Maintenance and duration > Duty to report administrative or criminal actions (40 P.S. § 310.78)
    • Licensing > Maintenance and duration > Fictitious names (40 P.S. § 310.7)
    • Licensing > Maintenance and duration > Continuing education (40 P.S. § 310.8(b), 310.6(a), 31 Pa. Code Ch. 39a)
    • Licensing > Maintenance and duration > Waiver due to military or extenuating circumstances (40 P.S. § 310.8)
    • Licensing > Disciplinary actions
    • Licensing > Disciplinary actions > License denial, nonrenewal, suspension, or revocation (40 P.S. § 310.91, 310.11)
    • Licensing > Disciplinary actions > Penalties and fines for violations (40 P.S. §§ 310.12, 310.41a, 310.91, 1171.11)
    • Licensing > Disciplinary actions > Cease and desist order (40 P.S. §§ 310.91, 1171.9)
    • Licensing > Disciplinary actions > Cease and desist order (40 P.S. §§ 310.91, 1171.9) > Civil
    • Licensing > Disciplinary actions > Cease and desist order (40 P.S. §§ 310.91, 1171.9) > Criminal
    • Licensing > Disciplinary actions > Cease and desist order (40 P.S. §§ 310.91, 1171.9) > Hearings
    • Licensing > Disciplinary actions > Consent agreement
    • State regulation
    • State regulation > Acts constituting insurance transactions
    • State regulation > Acts constituting insurance transactions > Negotiate, sell, solicit (40 P.S. §§ 310.1, 310.3, 310.8, 310.11)
    • State regulation > Commissioner's general duties and powers (40 P.S. §§ 310.2, 1171.7)
    • State regulation > Company regulation
    • State regulation > Company regulation > Certificate of authority (40 P.S. §§ 47, 47a, 420)
    • State regulation > Company regulation > Solvency (40 P.S. §§ 72, 112)
    • State regulation > Company regulation > Policy forms and rates (40 P.S. §§ 510, 776.1–776.7, 1181–1199, 1221–1238)
    • State regulation > Company regulation > Unfair claims settlement practices (40 P.S. § 1171.5(a)(10); 31 Pa. Code Ch. 146)
    • State regulation > Producer regulation
    • State regulation > Producer regulation > Fiduciary responsibility (40 P.S. § 310.96; 31 Pa. Code Ch. § 37.81)
    • State regulation > Producer regulation > Examination of books and records (40 P.S. § 323.3-4)
    • State regulation > Producer regulation > Producer disclosure requirements (40 P.S. § 310.71(b))
    • State regulation > Producer regulation > Commissions and fees (40 P.S. §§ 310.72–310.74)
    • State regulation > Producer regulation > Prohibited acts (40 P.S. § 310.11)
    • State regulation > Appointment procedures
    • State regulation > Appointment procedures > Producer appointment (40 P.S. § 310.71, 31 Pa Code 37.61)
    • State regulation > Appointment procedures > Appointment termination (40 P.S. § 310.71a)
    • State regulation > Unfair insurance practices (40 P.S. §§ 1171.1-1171.5)
    • State regulation > Unfair insurance practices (40 P.S. §§ 1171.1-1171.5) > Rebates and Inducements (40 P.S. §§ 310.45, 310.46, 1171.5(a)(8))
    • State regulation > Unfair insurance practices (40 P.S. §§ 1171.1-1171.5) > Misrepresentation (40 P.S. §§ 310.47–.48, 1171.5(a)(1),(2))
    • State regulation > Unfair insurance practices (40 P.S. §§ 1171.1-1171.5) > Twisting (40 P.S. §§ 473)
    • State regulation > Unfair insurance practices (40 P.S. §§ 1171.1-1171.5) > False advertising (40 P.S. § 1171.5; 31 Pa. Code Ch. 51)
    • State regulation > Unfair insurance practices (40 P.S. §§ 1171.1-1171.5) > Defamation (40 P.S. § 1171.5(a)(3); 31 Pa. Code Ch. 51)
    • State regulation > Unfair insurance practices (40 P.S. §§ 1171.1-1171.5) > Boycott, coercion or intimidation (40 P.S. § 1171.5(a)(4))
    • State regulation > Unfair insurance practices (40 P.S. §§ 1171.1-1171.5) > Misappropriation of funds (40 P.S. §§ 310.11(4), 310.42)
    • State regulation > Unfair insurance practices (40 P.S. §§ 1171.1-1171.5) > Unfair discrimination (40 P.S. § 1171.5; 31 Pa. Code § 145.4)
    • State regulation > Unfair insurance practices (40 P.S. §§ 1171.1-1171.5) > Agency Termination (40 P.S. § 241, Act 143)
    • State regulation > Privacy of consumer financial information (40 P.S. § 310.77(a); 31 Pa. Code §§ 146a.1–.44)
    • State regulation > Insurance fraud regulation (40 P.S. §§ 325.1–325.62; 18 Pa. C.S. § 4117)
    • Federal regulation
    • Federal regulation > Fair Credit Reporting Act
    • Federal regulation > Fraud and False Statements (18 USC Sections 1033 and 1034)
    • Federal regulation > Privacy (Gramm-Leach-Bliley)
    • Federal regulation > Other federal regulations (e.g., Do Not Call List; https://www.donotcall.gov/)
  • 2.0 General Insurance Concepts (13%)
    • Risk
    • Risk > Methods of Handling Risk (e.g., Avoidance, Retention, Sharing, Reduction, Transfer)
    • Risk > Elements of Insurable Risks
    • Risk > Definitions (e.g., Risk, Hazard, Peril, Loss)
    • Classifications of Insurers
    • Classifications of Insurers > Mutual, Stock
    • Classifications of Insurers > Admitted, Non-Admitted
    • Classifications of Insurers > Foreign, Domestic, Alien
    • Elements of a Contract
    • Elements of a Contract > Consideration
    • Elements of a Contract > Competent Parties
    • Elements of a Contract > Legal Purpose
    • Elements of a Contract > Offer
    • Elements of a Contract > Acceptance
    • Authority and Powers of Producers
    • Authority and Powers of Producers > Express
    • Authority and Powers of Producers > Implied
    • Authority and Powers of Producers > Apparent
    • Authority and Powers of Producers > The Law of Agency
    • Legal Interpretations Affecting Contracts
    • Legal Interpretations Affecting Contracts > Reasonable Expectations
    • Legal Interpretations Affecting Contracts > Indemnity
    • Legal Interpretations Affecting Contracts > Good Faith
    • Legal Interpretations Affecting Contracts > Fraud
    • Legal Interpretations Affecting Contracts > Warranties, Representations, Misrepresentations, and Concealment
  • 3.0 Property and Casualty Insurance Basics (25%)
    • Insurable Interest
    • Damages
    • Damages > Compensatory versus Punitive
    • Damages > General versus Special
    • Liability
    • Liability > Absolute
    • Liability > Strict
    • Liability > Vicarious
    • Underwriting
    • Underwriting > Purpose
    • Underwriting > Process
    • Underwriting > Results
    • Rate Development
    • Rate Development > Types
    • Rate Development > Components
    • Rate Development > Basis
    • Types of Hazards
    • Types of Loss
    • Types of Loss > Direct
    • Types of Loss > Indirect
    • Loss valuation
    • Loss valuation > Actual Cash Value
    • Loss valuation > Replacement Cost
    • Loss valuation > Functional Replacement Cost
    • Loss valuation > Market Value
    • Loss valuation > Agreed Value
    • Loss valuation > Valued Policy
    • Basic Types of Construction
    • Negligence
    • Negligence > Torts
    • Negligence > Elements of a Negligent Act
    • Negligence > Defense Against Negligence
    • Accident versus Occurrence
    • Policy Structure
    • Policy Structure > Declarations
    • Policy Structure > Definitions
    • Policy Structure > Insuring Agreement
    • Policy Structure > Supplementary Coverage
    • Policy Structure > Conditions
    • Policy Structure > Exclusions
    • Policy Structure > Endorsements
    • Policy Conditions
    • Policy Conditions > Insureds
    • Policy Conditions > Policy Period
    • Policy Conditions > Policy Territory
    • Policy Conditions > Cancellation and Non-Renewal (40 P.S. 1171.5 (a)(9); 31 Pa Code Ch. 59; 40 P.S. §991.2001 et seq.)
    • Policy Conditions > Deductibles
    • Policy Conditions > Other insurance (e.g. Primary and Excess, Pro Rata, Nonconcurrency, Contribution by Equal Shares)
    • Limits of Liability
    • Limits of Liability > Per Accident
    • Limits of Liability > Per Occurrence
    • Limits of Liability > Per Person
    • Limits of Liability > Aggregate
    • Limits of Liability > Split
    • Limits of Liability > Combined Single Limit
    • Coinsurance
    • Coinsurance > Purpose
    • Coinsurance > Definition
    • Coinsurance > Calculation
    • Coinsurance > Penalties
    • Coinsurance > Total versus Partial Loss
    • Specific, Scheduled, and Blanket Insurance
    • Named Insured Provisions
    • Named Insured Provisions > First Named Insured versus Other Insureds
    • Named Insured Provisions > Duties After Loss
    • Named Insured Provisions > Assignment
    • Named Insured Provisions > Waiver of Rights
    • Insurer Provisions
    • Insurer Provisions > Liberalization
    • Insurer Provisions > Subrogation
    • Insurer Provisions > Claim Settlement Options
    • Insurer Provisions > Duty to Defend
    • Third-Party Provisions
    • Third-Party Provisions > Loss Payable Clause
    • Third-Party Provisions > No Benefit to the Bailee
    • Third-Party Provisions > Leinholder's rights
    • Pennsylvania Laws, Regulations and Required Provisions
    • Pennsylvania Laws, Regulations and Required Provisions > Pennsylvania Property and Casualty Insurance Guaranty Association (40 P.S. §§ 991.1801–.1820)
    • Pennsylvania Laws, Regulations and Required Provisions > Standard fire policy (40 P.S. § 636)
    • Pennsylvania Laws, Regulations and Required Provisions > Cancellation and nonrenewal
    • Pennsylvania Laws, Regulations and Required Provisions > Private residential (40 P.S. § 1171.5(a)(9); 31 Pa. Code Ch. 59.6)
    • Pennsylvania Laws, Regulations and Required Provisions > Private passenger auto (40 P.S § 991.2001 et seq.)
    • Pennsylvania Laws, Regulations and Required Provisions > Basic property insurance — death of named insured (40 P.S. § 636.1(a))
    • Pennsylvania Laws, Regulations and Required Provisions > Binders (40 P.S. § 636)
    • Pennsylvania Laws, Regulations and Required Provisions > Insurance consultation services exemption (40 P.S. §§ 1841–1844)
    • Pennsylvania Laws, Regulations and Required Provisions > Federal Terrorism Risk Insurance Program (15 USC 6701; Public Law 107–297, 109–144, 110–160)
  • 4.0 Dwelling Policy Concepts (9%)
    • Dwelling Policy ('14)
    • Dwelling Policy ('14) > Characteristics
    • Dwelling Policy ('14) > Eligibility
    • Dwelling Policy ('14) > Purpose
    • Dwelling Policy ('14) > Policy Definitions
    • Coverage Forms Specifying Perils Insured Against
    • Coverage Forms Specifying Perils Insured Against > DP-1 Basic
    • Coverage Forms Specifying Perils Insured Against > DP-2 Broad
    • Coverage Forms Specifying Perils Insured Against > DP-3 Special
    • Property Coverages
    • Property Coverages > Dwelling
    • Property Coverages > Other Structures
    • Property Coverages > Personal Property
    • Property Coverages > Fair Rental Value
    • Property Coverages > Additional Living Expense
    • Dwelling Policy Exclusions
    • Dwelling Policy Conditions
    • Dwelling Policy Endorsements
    • Dwelling Policy Endorsements > Special Provisions - Pennsylvania (DP 01 37)
    • Dwelling Policy Endorsements > Automatic Increase in Insurance Coverage (Inflation Protection) (DP 04 11)
    • Dwelling Policy Endorsements > Dwelling Under Construction (DP 11 43)
    • Dwelling Policy Endorsements > Theft Coverage (DP 04 72)
    • Dwelling Policy Endorsements > Personal Liability Supplement
  • 5.0 Homeowners Policy Concepts (15%)
    • Homeowners Policy ('11)
    • Homeowners Policy ('11) > Characteristics
    • Homeowners Policy ('11) > Eligibility
    • Homeowners Policy ('11) > Purpose
    • Homeowners Policy ('11) > Policy Definitions
    • Perils Insured Against
    • Perils Insured Against > Basic
    • Perils Insured Against > Broad
    • Perils Insured Against > Special
    • Homeowners Policy Coverage Forms
    • Homeowners Policy Coverage Forms > Broad (HO-2)
    • Homeowners Policy Coverage Forms > Special (HO-3)
    • Homeowners Policy Coverage Forms > Contents Broad (HO-4)
    • Homeowners Policy Coverage Forms > Comprehensive (HO-5)
    • Homeowners Policy Coverage Forms > Unit-Owners (HO-6)
    • Homeowners Policy Coverage Forms > Modified Coverages (HO-8)
    • Property Coverages
    • Property Coverages > Dwelling
    • Property Coverages > Other Structures
    • Property Coverages > Personal Property
    • Property Coverages > Loss of Use
    • Property Coverages > Additional Coverages
    • Liability Coverages
    • Liability Coverages > Personal Liability
    • Liability Coverages > Medical Payments to Others
    • Homeowners Policy Exclusions
    • Homeowners Policy Exclusions > Vacant versus Unoccupied
    • Homeowners Policy Conditions
    • Homeowners Policy Conditions > Standard Mortgage Clause
    • Homeowners Policy Endorsements
    • Homeowners Policy Endorsements > Business Pursuits (HO 24 71)
    • Homeowners Policy Endorsements > Home Day Care (HO 04 97)
    • Homeowners Policy Endorsements > Personal Injury (HO 24 82)
    • Homeowners Policy Endorsements > Personal Property Replacement Cost - Pennsylvania (HO 23 63)
    • Homeowners Policy Endorsements > Watercraft (HO 24 75)
    • Homeowners Policy Endorsements > Identity Theft
    • Homeowners Policy Endorsements > Water and Sewer Backup
    • Homeowners Policy Endorsements > Special Provisions - Pennsylvania (HO 01 37)
    • Homeowners Policy Endorsements > Limited Fungi, Wet or Dry Rot, or Bacteria (HO 04 26, HO 04 27)
    • Homeowners Policy Endorsements > Permitted Incidental Occupancies (HO 04 42)
    • Homeowners Policy Endorsements > Identity Fraud Expense (HO 04 55)
    • Homeowners Policy Endorsements > Earthquake Coverage (HO 04 54)
    • Scheduled Personal Property/Personal Articles Floater (HO 04 61)
  • 6.0 Personal Automobile Policy (17%)
    • Personal Automobile Policy (75 Pa. C.S. Ch. 17 §§ 1701–1799)
    • Personal Automobile Policy (75 Pa. C.S. Ch. 17 §§ 1701–1799) > Definitions
    • Personal Automobile Policy (75 Pa. C.S. Ch. 17 §§ 1701–1799) > General Provisions
    • Personal Automobile Policy (75 Pa. C.S. Ch. 17 §§ 1701–1799) > Conditions
    • Personal Automobile Policy (75 Pa. C.S. Ch. 17 §§ 1701–1799) > Duties After an Accident
    • Personal Automobile Policy (75 Pa. C.S. Ch. 17 §§ 1701–1799) > Endorsements
    • Personal Automobile Policy (75 Pa. C.S. Ch. 17 §§ 1701–1799) > Endorsements > Amendment of policy provisions — Pennsylvania (PP 01 51)
    • Personal Automobile Policy (75 Pa. C.S. Ch. 17 §§ 1701–1799) > Endorsements > Towing and labor costs (PP 03 03)
    • Personal Automobile Policy (75 Pa. C.S. Ch. 17 §§ 1701–1799) > Endorsements > Extended non-owned coverage for named individual (PP 03 06)
    • Personal Automobile Policy (75 Pa. C.S. Ch. 17 §§ 1701–1799) > Endorsements > Miscellaneous type vehicle (PP 03 23)
    • Personal Automobile Policy (75 Pa. C.S. Ch. 17 §§ 1701–1799) > Endorsements > Joint ownership coverage (PP 03 34)
    • Motor Vehicle Financial Responsibility Law (75 Pa. C.S. Ch. 17 §§ 1701–1799)
    • Personal Automobile Policy Liability ('05)
    • Personal Automobile Policy Liability ('05) > Tort Election (Full or limited) (75 Pa. C.S. Ch. 17 §§ 1705)
    • Personal Automobile Policy Liability ('05) > Tort Election (Full or limited) (75 Pa. C.S. Ch. 17 §§ 1705) > Bodily Injury and Property Damage
    • Personal Automobile Policy Liability ('05) > Tort Election (Full or limited) (75 Pa. C.S. Ch. 17 §§ 1705) > Supplementary Payments
    • Personal Automobile Policy Liability ('05) > Tort Election (Full or limited) (75 Pa. C.S. Ch. 17 §§ 1705) > Persons Insured
    • Personal Automobile Policy Liability ('05) > Tort Election (Full or limited) (75 Pa. C.S. Ch. 17 §§ 1705) > Exclusions
    • Personal Injury Protection/First Party Benefits (75 Pa. C.S. Ch. 17 §§ 1711-1725)
    • Pennsylvania Automobile Insurance Plan (75 Pa. C.S. 1741–1744)
    • Uninsured/Underinsured Motorist Coverage (40 P.S. § 2000; 75 Pa. C.S. 1731, 1733–1734, 1736, 1738)
    • Physical Damage (75 Pa. C.S. Ch. 17 §§ 1792)
    • Proof of coverages (75 Pa. C.S. Ch. 17 §§ 1781-1787)
  • 7.0 Other Types of Property and Casualty Insurance (4%)
    • Personal Umbrella and Excess Policies (DL 98 01)
    • Personal Umbrella and Excess Policies (DL 98 01) > Underlying Limits
    • Personal Umbrella and Excess Policies (DL 98 01) > Self-Insured Retention
    • Personal Umbrella and Excess Policies (DL 98 01) > Defense Costs
    • Personal Umbrella and Excess Policies (DL 98 01) > Follow Form
    • Mobile Home Policy
    • Purpose of Difference in Conditions
    • Flood Insurance
    • Flood Insurance > Private vs. NFIP
    • Flood Insurance > Private vs. NFIP > Eligibility
    • Flood Insurance > Coverage
    • Flood Insurance > Limits
    • Flood Insurance > Deductibles
    • Residual markets including FAIR Plans (40 P.S. §§ 1600.101–.103)
    • Other policies
    • Other policies > Boatowners
    • Other policies > Personal watercraft
    • Other policies > Recreational vehicles
    • Other policies > Pet Insurance
Examination sources

Pennsylvania Producer's Examination for Property Insurance

Provider
PSI
Format
Computer-administered written examination
Exam questions
100 scored items
Time limit
120 minutes
Passing score
70%
Exam fee
$45
Examination outline
  • 1.0 Insurance Regulation (21%)
    • Licensing
    • Licensing > Process and types
    • Licensing > Process and types > Requirements (40 P.S. § 310.1, 310.3-310.14)
    • Licensing > Process and types > Resident/nonresident (40 P.S. § 310.3–310.5, 310.10)
    • Licensing > Process and types > Temporary license (40 P.S. § 310.9)
    • Licensing > Process and types > Managers and exclusive general producers (40 P.S. § 310.1, 310.31)
    • Licensing > Maintenance and duration
    • Licensing > Maintenance and duration > Change in contact information (40 P.S. § 310.11(19))
    • Licensing > Maintenance and duration > Renewal (40 P.S. § 310.8)
    • Licensing > Maintenance and duration > Duty to report administrative or criminal actions (40 P.S. § 310.78)
    • Licensing > Maintenance and duration > Fictitious names (40 P.S. § 310.7)
    • Licensing > Maintenance and duration > Continuing education (40 P.S. § 310.8(b), 310.6(a), 31 Pa. Code Ch. 39a)
    • Licensing > Maintenance and duration > Waiver due to military or extenuating circumstances (40 P.S. § 310.8)
    • Licensing > Disciplinary actions
    • Licensing > Disciplinary actions > License denial, nonrenewal, suspension, or revocation (40 P.S. § 310.91, 310.11)
    • Licensing > Disciplinary actions > Penalties and fines for violations (40 P.S. §§ 310.12, 310.41a, 310.91, 1171.11)
    • Licensing > Disciplinary actions > Cease and desist order (40 P.S. §§ 310.91, 1171.9)
    • Licensing > Disciplinary actions > Cease and desist order (40 P.S. §§ 310.91, 1171.9) > Civil
    • Licensing > Disciplinary actions > Cease and desist order (40 P.S. §§ 310.91, 1171.9) > Criminal
    • Licensing > Disciplinary actions > Cease and desist order (40 P.S. §§ 310.91, 1171.9) > Hearings
    • Licensing > Disciplinary actions > Consent agreement
    • State regulation
    • State regulation > Acts constituting insurance transactions
    • State regulation > Acts constituting insurance transactions > Negotiate, sell, solicit (40 P.S. §§ 310.1, 310.3, 310.8, 310.11)
    • State regulation > Commissioner's general duties and powers (40 P.S. §§ 310.2, 1171.7)
    • State regulation > Company regulation
    • State regulation > Company regulation > Certificate of authority (40 P.S. §§ 47, 47a, 420)
    • State regulation > Company regulation > Solvency (40 P.S. §§ 72, 112)
    • State regulation > Company regulation > Policy forms and rates (40 P.S. §§ 510, 776.1–776.7, 1181–1199, 1221–1238)
    • State regulation > Company regulation > Unfair claims settlement practices (40 P.S. § 1171.5(a)(10); 31 Pa. Code Ch. 146)
    • State regulation > Producer regulation
    • State regulation > Producer regulation > Fiduciary responsibility (40 P.S. § 310.96; 31 Pa. Code Ch. § 37.81)
    • State regulation > Producer regulation > Examination of books and records (40 P.S. § 323.3-4)
    • State regulation > Producer regulation > Producer disclosure requirements (40 P.S. § 310.71(b))
    • State regulation > Producer regulation > Commissions and fees (40 P.S. §§ 310.72–310.74)
    • State regulation > Producer regulation > Prohibited acts (40 P.S. § 310.11)
    • State regulation > Appointment procedures
    • State regulation > Appointment procedures > Producer appointment (40 P.S. § 310.71, 31 Pa Code 37.61)
    • State regulation > Appointment procedures > Appointment termination (40 P.S. § 310.71a)
    • State regulation > Unfair insurance practices (40 P.S. §§ 1171.1-1171.5)
    • State regulation > Unfair insurance practices (40 P.S. §§ 1171.1-1171.5) > Rebates and Inducements (40 P.S. §§ 310.45, 310.46, 1171.5(a)(8))
    • State regulation > Unfair insurance practices (40 P.S. §§ 1171.1-1171.5) > Misrepresentation (40 P.S. §§ 310.47–.48, 1171.5(a)(1),(2))
    • State regulation > Unfair insurance practices (40 P.S. §§ 1171.1-1171.5) > Twisting (40 P.S. §§ 473)
    • State regulation > Unfair insurance practices (40 P.S. §§ 1171.1-1171.5) > False advertising (40 P.S. § 1171.5; 31 Pa. Code Ch. 51)
    • State regulation > Unfair insurance practices (40 P.S. §§ 1171.1-1171.5) > Defamation (40 P.S. § 1171.5(a)(3); 31 Pa. Code Ch. 51)
    • State regulation > Unfair insurance practices (40 P.S. §§ 1171.1-1171.5) > Boycott, coercion or intimidation (40 P.S. § 1171.5(a)(4))
    • State regulation > Unfair insurance practices (40 P.S. §§ 1171.1-1171.5) > Misappropriation of funds (40 P.S. §§ 310.11(4), 310.42)
    • State regulation > Unfair insurance practices (40 P.S. §§ 1171.1-1171.5) > Unfair discrimination (40 P.S. § 1171.5; 31 Pa. Code § 145.4)
    • State regulation > Unfair insurance practices (40 P.S. §§ 1171.1-1171.5) > Agency Termination (40 P.S. § 241, Act 143)
    • State regulation > Privacy of consumer financial information (40 P.S. § 310.77(a); 31 Pa. Code §§ 146a.1–.44)
    • State regulation > Insurance fraud regulation (40 P.S. §§ 325.1–325.62; 18 Pa. C.S. § 4117)
    • Federal regulation
    • Federal regulation > Fair Credit Reporting Act
    • Federal regulation > Fraud and False Statements (18 USC Sections 1033 and 1034)
    • Federal regulation > Privacy (Gramm-Leach-Bliley)
    • Federal regulation > Terrorism Risk Insurance Act
    • Federal regulation > Motor Carrier Act (MCS-90 and others)
    • Federal regulation > Other federal regulations (e.g., Do Not Call List; https://www.donotcall.gov/)
  • 2.0 General Insurance Concepts (11%)
    • Risk
    • Risk > Methods of Handling Risk (e.g., Avoidance, Retention, Sharing, Reduction, Transfer)
    • Risk > Elements of Insurable Risks
    • Risk > Definitions (e.g., Risk, Hazard, Peril, Loss)
    • Classifications of Insurers
    • Classifications of Insurers > Mutual, Stock
    • Classifications of Insurers > Admitted, Non-Admitted
    • Classifications of Insurers > Foreign, Domestic, Alien
    • Elements of a Contract
    • Elements of a Contract > Consideration
    • Elements of a Contract > Competent Parties
    • Elements of a Contract > Legal Purpose
    • Elements of a Contract > Offer
    • Elements of a Contract > Acceptance
    • Authority and Powers of Producers
    • Authority and Powers of Producers > Express
    • Authority and Powers of Producers > Implied
    • Authority and Powers of Producers > Apparent
    • Authority and Powers of Producers > The Law of Agency
    • Legal Interpretations Affecting Contracts
    • Legal Interpretations Affecting Contracts > Reasonable Expectations
    • Legal Interpretations Affecting Contracts > Indemnity
    • Legal Interpretations Affecting Contracts > Good Faith
    • Legal Interpretations Affecting Contracts > Fraud
    • Legal Interpretations Affecting Contracts > Warranties, Representations, Misrepresentations, and Concealment
  • 3.0 Property Insurance Basics (22%)
    • Insurable Interest
    • Underwriting
    • Underwriting > Purpose
    • Underwriting > Process
    • Underwriting > Results
    • Rate Development
    • Rate Development > Types
    • Rate Development > Components
    • Rate Development > Basis
    • Types of Hazards
    • Types of Loss
    • Types of Loss > Direct
    • Types of Loss > Indirect
    • Loss valuation
    • Loss valuation > Actual Cash Value
    • Loss valuation > Replacement Cost
    • Loss valuation > Functional Replacement Cost
    • Loss valuation > Market Value
    • Loss valuation > Agreed Value
    • Loss valuation > Valued Policy
    • Basic Types of Construction
    • Policy Structure
    • Policy Structure > Declarations
    • Policy Structure > Definitions
    • Policy Structure > Insuring Agreement
    • Policy Structure > Supplementary Coverage
    • Policy Structure > Conditions
    • Policy Structure > Exclusions
    • Policy Structure > Endorsements
    • Policy Conditions
    • Policy Conditions > Insureds
    • Policy Conditions > Policy Period
    • Policy Conditions > Policy Territory
    • Policy Conditions > Cancellation and Non-Renewal (40 P.S. 1171.5 (a)(9); 31 Pa Code Ch. 59; 40 P.S. §3401 et seq.)
    • Policy Conditions > Deductibles
    • Policy Conditions > Other insurance (e.g. Primary and Excess, Pro Rata, Nonconcurrency, Contribution by Equal Shares)
    • Coinsurance
    • Coinsurance > Purpose
    • Coinsurance > Definition
    • Coinsurance > Calculation
    • Coinsurance > Penalties
    • Coinsurance > Total versus Partial Loss
    • Specific, Scheduled, and Blanket Insurance
    • Named Insured Provisions
    • Named Insured Provisions > First Named Insured versus Other Insureds
    • Named Insured Provisions > Duties After Loss
    • Named Insured Provisions > Assignment
    • Named Insured Provisions > Waiver of Rights
    • Insurer Provisions
    • Insurer Provisions > Liberalization
    • Insurer Provisions > Subrogation
    • Insurer Provisions > Claim Settlement Options
    • Insurer Provisions > Duty to Defend
    • Third-Party Provisions
    • Third-Party Provisions > Loss Payable Clause
    • Third-Party Provisions > No Benefit to the Bailee
    • Third-Party Provisions > Leinholder's rights
    • Pennsylvania Laws, Regulations and Required Provisions
    • Pennsylvania Laws, Regulations and Required Provisions > Pennsylvania Property and Casualty Insurance Guaranty Association (40 P.S. §§ 991.1801–.1820)
    • Pennsylvania Laws, Regulations and Required Provisions > Standard fire policy (40 P.S. § 636)
    • Pennsylvania Laws, Regulations and Required Provisions > Cancellation and nonrenewal
    • Pennsylvania Laws, Regulations and Required Provisions > Private residential (40 P.S. § 1171.5(a)(9); 31 Pa. Code Ch. 59.6)
    • Pennsylvania Laws, Regulations and Required Provisions > Commercial (40 P.S. §§ 3401–3407; 31 Pa. Code Ch. 113.81–.88)
    • Pennsylvania Laws, Regulations and Required Provisions > Basic property insurance — death of named insured (40 P.S. § 636.1(a))
    • Pennsylvania Laws, Regulations and Required Provisions > Binders (40 P.S. § 636)
    • Pennsylvania Laws, Regulations and Required Provisions > Insurance consultation services exemption (40 P.S. §§ 1841–1844)
    • Pennsylvania Laws, Regulations and Required Provisions > Federal Terrorism Risk Insurance Program (15 USC 6701; Public Law 107–297, 109–144, 110–160)
  • 4.0 Dwelling Policy Concepts (7%)
    • Dwelling Policy ('14)
    • Dwelling Policy ('14) > Characteristics
    • Dwelling Policy ('14) > Eligibility
    • Dwelling Policy ('14) > Purpose
    • Dwelling Policy ('14) > Policy Definitions
    • Coverage Forms Specifying Perils Insured Against
    • Coverage Forms Specifying Perils Insured Against > DP-1 Basic
    • Coverage Forms Specifying Perils Insured Against > DP-2 Broad
    • Coverage Forms Specifying Perils Insured Against > DP-3 Special
    • Property Coverages
    • Property Coverages > Dwelling
    • Property Coverages > Other Structures
    • Property Coverages > Personal Property
    • Property Coverages > Fair Rental Value
    • Property Coverages > Additional Living Expense
    • Dwelling Policy Exclusions
    • Dwelling Policy Conditions
    • Dwelling Policy Endorsements
    • Dwelling Policy Endorsements > Special Provisions - Pennsylvania (DP 01 37)
    • Dwelling Policy Endorsements > Automatic Increase in Insurance Coverage (Inflation Protection) (DP 04 11)
    • Dwelling Policy Endorsements > Dwelling Under Construction (DP 11 43)
    • Dwelling Policy Endorsements > Theft Coverage (DP 04 72)
    • Dwelling Policy Endorsements > Personal Liability Supplement
  • 5.0 Homeowners Policy Concepts (16%)
    • Homeowners Policy ('11)
    • Homeowners Policy ('11) > Characteristics
    • Homeowners Policy ('11) > Eligibility
    • Homeowners Policy ('11) > Purpose
    • Homeowners Policy ('11) > Policy Definitions
    • Perils Insured Against
    • Perils Insured Against > Basic
    • Perils Insured Against > Broad
    • Perils Insured Against > Special
    • Homeowners Policy Coverage Forms
    • Homeowners Policy Coverage Forms > Broad (HO-2)
    • Homeowners Policy Coverage Forms > Special (HO-3)
    • Homeowners Policy Coverage Forms > Contents Broad (HO-4)
    • Homeowners Policy Coverage Forms > Comprehensive (HO-5)
    • Homeowners Policy Coverage Forms > Unit-Owners (HO-6)
    • Homeowners Policy Coverage Forms > Modified Coverages (HO-8)
    • Property Coverages
    • Property Coverages > Dwelling
    • Property Coverages > Other Structures
    • Property Coverages > Personal Property
    • Property Coverages > Loss of Use
    • Property Coverages > Additional Coverages
    • Liability Coverages
    • Liability Coverages > Personal Liability
    • Liability Coverages > Medical Payments to Others
    • Homeowners Policy Exclusions
    • Homeowners Policy Exclusions > Vacant versus Unoccupied
    • Homeowners Policy Conditions
    • Homeowners Policy Conditions > Standard Mortgage Clause
    • Homeowners Policy Endorsements
    • Homeowners Policy Endorsements > Business Pursuits (HO 24 71)
    • Homeowners Policy Endorsements > Home Day Care (HO 04 97)
    • Homeowners Policy Endorsements > Personal Injury (HO 24 82)
    • Homeowners Policy Endorsements > Personal Property Replacement Cost - Pennsylvania (HO 23 63)
    • Homeowners Policy Endorsements > Watercraft (HO 24 75)
    • Homeowners Policy Endorsements > Identity Theft
    • Homeowners Policy Endorsements > Water and Sewer Backup
    • Homeowners Policy Endorsements > Special Provisions - Pennsylvania (HO 01 37)
    • Homeowners Policy Endorsements > Limited Fungi, Wet or Dry Rot, or Bacteria (HO 04 26, HO 04 27)
    • Homeowners Policy Endorsements > Permitted Incidental Occupancies (HO 04 42)
    • Homeowners Policy Endorsements > Identity Fraud Expense (HO 04 55)
    • Homeowners Policy Endorsements > Earthquake Coverage (HO 04 54)
    • Scheduled Personal Property/Personal Articles Floater (HO 04 61)
  • 6.0 Commercial Property Policies ('12) (11%)
    • Commercial Package Policy
    • Commercial Package Policy > Purpose
    • Commercial Package Policy > Definition
    • Commercial Package Policy > Coverage parts
    • Commercial Policy Components
    • Commercial Policy Components > Declarations
    • Commercial Policy Components > Conditions
    • Commercial Policy Components > Insuring Agreements
    • Commercial Policy Components > Exclusions
    • Commercial Policy Components > Interline Endorsements
    • Commercial Property Forms
    • Commercial Property Forms > Coverage Forms for Building and Business Personal Property
    • Commercial Property Forms > Builders Risk
    • Commercial Property Forms > Business Income
    • Commercial Property Forms > Extra Expense
    • Commercial Property Forms > Legal Liability
    • Commercial Property Forms > Cause of Loss Forms
    • Commercial Property Endorsements
    • Commercial Property Endorsements > Ordinance or Law (CP 04 05)
    • Commercial Property Endorsements > Peak Season Limit of Insurance (CP 12 30)
    • Commercial Property Endorsements > Spoilage (CP 04 40)
    • Commercial Property Endorsements > Value Reporting Form (CP 13 10)
    • Commercial Inland Marine
    • Commercial Inland Marine > Definitions
    • Commercial Inland Marine > Conditions and Exclusions
    • Commercial Inland Marine > Coverages (e.g. Transportation, Contractor's Floater, Equipment)
    • Equipment Breakdown Coverages
    • Equipment Breakdown Coverages > Equipment Breakdown Protection Coverage Form (EB 00 20)
    • Equipment Breakdown Coverages > Selected endorsement
    • Equipment Breakdown Coverages > Actual Cash Value (EB 99 59)
    • Farm Property
    • Farm Property > Definitions
    • Farm Property > Conditions and Exclusions
    • Farm Property > Coverages
    • Farm Property > Farm property coverage form ('03)
    • Farm Property > Livestock coverage form
    • Farm Property > Mobile agricultural machinery and equipment coverage form
  • 7.0 Businessowners ('13) Policy — Property (8%)
    • 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 (BP 04 30)
    • Selected endorsements > Utility services — direct damage (BP 04 56)
    • Selected endorsements > Utility services — time element (BP 04 57)
  • 8.0 Other Types of Property Insurance (4%)
    • Farmowners/Ranchowners Policy
    • Mobile Home Policy
    • Purpose of Difference in Conditions
    • Flood Insurance
    • Flood Insurance > Private vs. NFIP
    • Flood Insurance > Eligibility
    • Flood Insurance > Coverage
    • Flood Insurance > Limits
    • Flood Insurance > Deductibles
    • Residual markets including FAIR Plans (40 P.S. §§ 1600.101–.103)
    • Federal Crop Insurance (RMA)
    • Ocean Marine
    • Ocean Marine > Major coverages
    • Ocean Marine > Hull insurance
    • Ocean Marine > Cargo insurance
    • Ocean Marine > Freight insurance
    • Ocean Marine > Implied warranties
    • Ocean Marine > Perils
    • Ocean Marine > General and particular average
    • Other policies
    • Other policies > Aircraft hull
    • Other policies > Boatowners
    • Other policies > Personal watercraft
    • Other policies > Recreational vehicles
    • Pet Insurance
Examination sources