Vermont Property & Casualty Insurance — Requirements & Free Practice
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Insurance Producer — Property and Casualty
The ordinary producer licence permits one or more lines of authority. Property, casualty and their narrower personal-lines qualification are covered here; different requested lines are applicant conditions.
Licensing authority: Vermont Department of Financial Regulation · Application information
Reapplication after nonrenewal for deficient continuing education
No examination is required for this applicant pathway.
- Application
- Submit a new NAIC Uniform Application, $30 application fee and $30 licence fee.
- Appointments
- Prior appointments terminated; request new appointments through each insurer.
- Deficiency
- Attach completion certificates for the preceding deficient CE period; its completion does not reduce the new period’s CE requirement.
Official no-examination sources
Effective from 2026-09-22.
- Vermont Continuing Education Producer Information Fact Sheet
page 2, Consequences of Failing to Meet Your CE Requirement, reapplication
- 8 V.S.A. Chapter 131
8 V.S.A. § 4813g(b)
Nonresident licensure holding a like Canadian licence — property and casualty
At least one of the following alternatives:
- Vermont Producer's Examination for Property and Casualty Insurance (practice unavailable)
All of the following:
- Vermont Producer's Examination for Property Insurance (practice unavailable)
- Vermont Producer's Examination for Casualty Insurance
- Age
- At least 18 years old.
- Application
- Submit the Uniform Application, truthful and complete, with application and licence fees.
- Appointment
- Appointment by an insurer is required to act as its agent for the relevant line; the travel-insurance exception in 8 V.S.A. § 7124(g) applies.
- Character
- Competent, trustworthy, financially responsible, of good personal and business reputation, and no disqualifying acts under 8 V.S.A. § 4804.
- Discretionary Exemption
- Under § 4800(3)(B)(iv), the Commissioner may waive the otherwise required written examination if a comparable written examination was passed or the applicant continuously held a like licence before testing was required; this permission does not itself establish that a waiver is granted.
- Electronic Application
- The Department instructs residents to wait 48 hours after passing before applying electronically through NIPR.
- Foreign Examination
- An examination of the Canadian jurisdiction is applicant evidence, not a leaf.
- Requested Authority
- Applicant requests property and casualty authority.
- Residence
- Nonresident holding a like licence in a Canadian province, under 8 V.S.A. § 4800(3)(B)(i).
- Scope
- Property and casualty lines of authority; the combined examination qualifies both lines, while the separate property and casualty examinations qualify their corresponding lines.
- Score Age
- Apply within 24 months after examination under 8 V.S.A. § 4800(3)(D)(i).
Nonresident licensure holding a like Canadian licence — casualty
- Age
- At least 18 years old.
- Application
- Submit the Uniform Application, truthful and complete, with application and licence fees.
- Appointment
- Appointment by an insurer is required to act as its agent for the relevant line; the travel-insurance exception in 8 V.S.A. § 7124(g) applies.
- Character
- Competent, trustworthy, financially responsible, of good personal and business reputation, and no disqualifying acts under 8 V.S.A. § 4804.
- Discretionary Exemption
- Under § 4800(3)(B)(iv), the Commissioner may waive the otherwise required written examination if a comparable written examination was passed or the applicant continuously held a like licence before testing was required; this permission does not itself establish that a waiver is granted.
- Electronic Application
- The Department instructs residents to wait 48 hours after passing before applying electronically through NIPR.
- Foreign Examination
- An examination of the Canadian jurisdiction is applicant evidence, not a leaf.
- Requested Authority
- Applicant requests casualty authority.
- Residence
- Nonresident holding a like licence in a Canadian province, under 8 V.S.A. § 4800(3)(B)(i).
- Scope
- Property and casualty lines of authority; the combined examination qualifies both lines, while the separate property and casualty examinations qualify their corresponding lines.
- Score Age
- Apply within 24 months after examination under 8 V.S.A. § 4800(3)(D)(i).
Nonresident licensure holding a like Canadian licence — personal lines
- Age
- At least 18 years old.
- Application
- Submit the Uniform Application, truthful and complete, with application and licence fees.
- Appointment
- Appointment by an insurer is required to act as its agent for the relevant line; the travel-insurance exception in 8 V.S.A. § 7124(g) applies.
- Character
- Competent, trustworthy, financially responsible, of good personal and business reputation, and no disqualifying acts under 8 V.S.A. § 4804.
- Discretionary Exemption
- Under § 4800(3)(B)(iv), the Commissioner may waive the otherwise required written examination if a comparable written examination was passed or the applicant continuously held a like licence before testing was required; this permission does not itself establish that a waiver is granted.
- Electronic Application
- The Department instructs residents to wait 48 hours after passing before applying electronically through NIPR.
- Foreign Examination
- An examination of the Canadian jurisdiction is applicant evidence, not a leaf.
- Requested Authority
- Applicant requests personal lines authority.
- Residence
- Nonresident holding a like licence in a Canadian province, under 8 V.S.A. § 4800(3)(B)(i).
- Scope
- Property and casualty lines of authority; the combined examination qualifies both lines, while the separate property and casualty examinations qualify their corresponding lines.
- Score Age
- Apply within 24 months after examination under 8 V.S.A. § 4800(3)(D)(i).
Nonresident licensure holding a like Canadian licence — property
Vermont Producer's Examination for Property Insurance (practice unavailable)
- Age
- At least 18 years old.
- Application
- Submit the Uniform Application, truthful and complete, with application and licence fees.
- Appointment
- Appointment by an insurer is required to act as its agent for the relevant line; the travel-insurance exception in 8 V.S.A. § 7124(g) applies.
- Character
- Competent, trustworthy, financially responsible, of good personal and business reputation, and no disqualifying acts under 8 V.S.A. § 4804.
- Discretionary Exemption
- Under § 4800(3)(B)(iv), the Commissioner may waive the otherwise required written examination if a comparable written examination was passed or the applicant continuously held a like licence before testing was required; this permission does not itself establish that a waiver is granted.
- Electronic Application
- The Department instructs residents to wait 48 hours after passing before applying electronically through NIPR.
- Foreign Examination
- An examination of the Canadian jurisdiction is applicant evidence, not a leaf.
- Requested Authority
- Applicant requests property authority.
- Residence
- Nonresident holding a like licence in a Canadian province, under 8 V.S.A. § 4800(3)(B)(i).
- Scope
- Property and casualty lines of authority; the combined examination qualifies both lines, while the separate property and casualty examinations qualify their corresponding lines.
- Score Age
- Apply within 24 months after examination under 8 V.S.A. § 4800(3)(D)(i).
Nonresident initial licensure by reciprocity
No examination is required for this applicant pathway.
- Application
- Submit proper request, the home-state application or Uniform Application, and fees; Department instructions require an electronic NIPR application.
- Existing Licence
- A licence held elsewhere is an applicant condition; another jurisdiction’s examinations are not Vermont leaves.
- Home Licence
- Current resident producer licence in good standing for the requested authority.
- Reciprocity
- Home jurisdiction awards nonresident producer licences to Vermont residents on the same basis.
Official no-examination sources
Effective from 2026-09-22.
- 8 V.S.A. Chapter 131
8 V.S.A. § 4813h(a)(1)-(4)
- 8 V.S.A. Chapter 131
8 V.S.A. § 4813n(a)
- 8 V.S.A. Chapter 131
8 V.S.A. § 4813i(a)
Nonresident renewal
No examination is required for this applicant pathway.
- Continuing Education
- Reciprocal home-jurisdiction continuing-education compliance satisfies Vermont requirements under § 4813n(b).
- Home Licence
- Maintain the required home-jurisdiction licence and good standing.
- Renewal
- Timely biennial renewal application and fees.
Official no-examination sources
Effective from 2026-09-22.
- 8 V.S.A. Chapter 131
8 V.S.A. § 4798(b)(3)
- 8 V.S.A. Chapter 131
8 V.S.A. § 4813g(b)
- 8 V.S.A. Chapter 131
8 V.S.A. § 4813n(b)
Resident renewal
No examination is required for this applicant pathway.
- Continuing Education
- 24 hours of approved continuing education in the preceding two years, subject to the first-renewal rule and applicable extensions. Self-study course examinations are course-completion conditions, not identified licence examination leaves.
- Fees
- Submit renewal form and licence fee.
- Renewal
- Biennial renewal before expiration; the producer term ends March 31 of odd-numbered years.
Official no-examination sources
Effective from 2026-09-22.
- 8 V.S.A. Chapter 131
8 V.S.A. § 4798(b)(3)
- 8 V.S.A. Chapter 131
8 V.S.A. § 4813g(b)
- 8 V.S.A. Chapter 131
8 V.S.A. § 4800a(a)
- reg-ce — official Vermont licensing material
Regulation I-2000-02 (Revised) § 4
Resident initial licensure by examination — property and casualty
At least one of the following alternatives:
- Vermont Producer's Examination for Property and Casualty Insurance (practice unavailable)
All of the following:
- Vermont Producer's Examination for Property Insurance (practice unavailable)
- Vermont Producer's Examination for Casualty Insurance
- Age
- At least 18 years old.
- Application
- Submit the Uniform Application, truthful and complete, with application and licence fees.
- Appointment
- Appointment by an insurer is required to act as its agent for the relevant line; the travel-insurance exception in 8 V.S.A. § 7124(g) applies.
- Character
- Competent, trustworthy, financially responsible, of good personal and business reputation, and no disqualifying acts under 8 V.S.A. § 4804.
- Electronic Application
- The Department instructs residents to wait 48 hours after passing before applying electronically through NIPR.
- Requested Authority
- Applicant requests property and casualty authority.
- Residence
- Resides in Vermont or maintains the principal place of business in Vermont and elects Vermont residency for licensing.
- Scope
- Property and casualty lines of authority; the combined examination qualifies both lines, while the separate property and casualty examinations qualify their corresponding lines.
- Score Age
- Apply within 24 months after examination under 8 V.S.A. § 4800(3)(D)(i).
Resident initial licensure by examination — casualty
- Age
- At least 18 years old.
- Application
- Submit the Uniform Application, truthful and complete, with application and licence fees.
- Appointment
- Appointment by an insurer is required to act as its agent for the relevant line; the travel-insurance exception in 8 V.S.A. § 7124(g) applies.
- Character
- Competent, trustworthy, financially responsible, of good personal and business reputation, and no disqualifying acts under 8 V.S.A. § 4804.
- Electronic Application
- The Department instructs residents to wait 48 hours after passing before applying electronically through NIPR.
- Requested Authority
- Applicant requests casualty authority.
- Residence
- Resides in Vermont or maintains the principal place of business in Vermont and elects Vermont residency for licensing.
- Scope
- Property and casualty lines of authority; the combined examination qualifies both lines, while the separate property and casualty examinations qualify their corresponding lines.
- Score Age
- Apply within 24 months after examination under 8 V.S.A. § 4800(3)(D)(i).
Resident initial licensure by examination — personal lines
- Age
- At least 18 years old.
- Application
- Submit the Uniform Application, truthful and complete, with application and licence fees.
- Appointment
- Appointment by an insurer is required to act as its agent for the relevant line; the travel-insurance exception in 8 V.S.A. § 7124(g) applies.
- Character
- Competent, trustworthy, financially responsible, of good personal and business reputation, and no disqualifying acts under 8 V.S.A. § 4804.
- Electronic Application
- The Department instructs residents to wait 48 hours after passing before applying electronically through NIPR.
- Requested Authority
- Applicant requests personal lines authority.
- Residence
- Resides in Vermont or maintains the principal place of business in Vermont and elects Vermont residency for licensing.
- Scope
- Property and casualty lines of authority; the combined examination qualifies both lines, while the separate property and casualty examinations qualify their corresponding lines.
- Score Age
- Apply within 24 months after examination under 8 V.S.A. § 4800(3)(D)(i).
Resident initial licensure by examination — property
Vermont Producer's Examination for Property Insurance (practice unavailable)
- Age
- At least 18 years old.
- Application
- Submit the Uniform Application, truthful and complete, with application and licence fees.
- Appointment
- Appointment by an insurer is required to act as its agent for the relevant line; the travel-insurance exception in 8 V.S.A. § 7124(g) applies.
- Character
- Competent, trustworthy, financially responsible, of good personal and business reputation, and no disqualifying acts under 8 V.S.A. § 4804.
- Electronic Application
- The Department instructs residents to wait 48 hours after passing before applying electronically through NIPR.
- Requested Authority
- Applicant requests property authority.
- Residence
- Resides in Vermont or maintains the principal place of business in Vermont and elects Vermont residency for licensing.
- Scope
- Property and casualty lines of authority; the combined examination qualifies both lines, while the separate property and casualty examinations qualify their corresponding lines.
- Score Age
- Apply within 24 months after examination under 8 V.S.A. § 4800(3)(D)(i).
Resident issuance using qualifying prior out of state licensure
No examination is required for this applicant pathway.
- Application
- Submit the producer application and applicable fees; general age and character requirements continue to apply.
- Currency
- Currently licensed there, or application received within 90 days of cancellation with official certification or NAIC database evidence of good standing for the requested authority.
- Other Examinations
- A prior examination belonging to another state is applicant evidence and is not a Vermont examination leaf.
- Prior Licence
- Previously licensed for the same requested property, casualty or personal-lines authority in another state.
Official no-examination sources
Effective from 2026-09-22.
- 8 V.S.A. Chapter 131
8 V.S.A. § 4813i(a)
- Vermont Licensing Information Bulletin, effective March 18, 2026
page 15, New Vermont Residents
Resident transfer following relocation to Vermont
No examination is required for this applicant pathway.
- Application
- Uniform Application and fees; establish current or recently cancelled good-standing licensure.
- Exception
- The statute permits a different requirement only where the Commissioner determines otherwise by regulation; the bulletin implements the out-of-state exemption.
- Prior Licence
- Holds an insurance producer licence in another state for the same requested property, casualty or personal-lines authority.
- Time Window
- Apply within 90 days of establishing Vermont legal residence.
Official no-examination sources
Effective from 2026-09-22.
- 8 V.S.A. Chapter 131
8 V.S.A. § 4813i(b)
- 8 V.S.A. Chapter 131
8 V.S.A. § 4813i(a)
Vermont Producer's Examination for Property and Casualty Insurance
- Provider
- Prometric
- Format
- Computer-delivered four-option multiple-choice examination
- Exam questions
- 150 scored questions plus 5 unscored items
- Time limit
- 2.5 hours
Examination outline
Insurance Regulation (10%)
- Licensing
- Licensing / Process (4800; 4813f)
- Licensing / Types of licensees (4791)
- Licensing / Types of licensees (4791) / Resident (4800(3)(A))
- Licensing / Types of licensees (4791) / Nonresident (4800(3)(B); 4813h)
- Licensing / Maintenance and duration
- Licensing / Maintenance and duration / Renewal and expiration (4798)
- Licensing / Maintenance and duration / Address change (4800(3)(F))
- Licensing / Maintenance and duration / Assumed business name (4813j)
- Licensing / Maintenance and duration / Reporting of actions (4813o)
- Licensing / Maintenance and duration / Continuing education requirements (4800a; Reg 2000-2 Sec 4)
- Licensing / Disciplinary actions
- Licensing / Disciplinary actions / Denial of license (4800(3)(E))
- Licensing / Disciplinary actions / Cease and desist order (3661)
- Licensing / Disciplinary actions / Suspension, revocation or nonrenewal (4804; 4806)
- Licensing / Disciplinary actions / Penalties (3661(a)(2); 4804(d))
- State regulation
- State regulation / Commissioner's general duties and powers (4726; 4804)
- State regulation / Company regulation
- State regulation / Company regulation / Certificate of authority (3368)
- State regulation / Company regulation / Unfair claim settlement practices (4724(9); Reg 79-2 Sec 1–7)
- State regulation / Company regulation / Policy forms (3541)
- State regulation / Company regulation / Examination of records (3565)
- State regulation / Company regulation / Producer appointment (4798(d); 4813l)
- State regulation / Company regulation / Termination of appointment (4798(d); 4813m)
- State regulation / Producer regulation
- State regulation / Producer regulation / Acting without a license (4793; 4813c)
- State regulation / Producer regulation / Shared commissions (4796)
- State regulation / Producer regulation / Shared commissions (4796) / Trust accounts — anti-commingling (Reg 95-1; 4724(12))
- State regulation / Producer regulation / Shared commissions (4796) / Controlled business (4795)
- State regulation / Producer regulation / Shared commissions (4796) / Duties (4813c)
- State regulation / Producer regulation / Unfair trade practices (4724)
- State regulation / Producer regulation / Unfair trade practices (4724) / Misrepresentation (4724(1, 11, 13))
- State regulation / Producer regulation / Unfair trade practices (4724) / False advertising (4724(2))
- State regulation / Producer regulation / Unfair trade practices (4724) / Defamation (4724(3))
- State regulation / Producer regulation / Unfair trade practices (4724) / Boycott, coercion and intimidation (4724(4))
- State regulation / Producer regulation / Unfair trade practices (4724) / False financial statements and entries (4724(5))
- State regulation / Producer regulation / Unfair trade practices (4724) / Illegal inducement (4724(6))
- State regulation / Producer regulation / Unfair trade practices (4724) / Unfair discrimination (4724(7))
- State regulation / Producer regulation / Unfair trade practices (4724) / Rebating (4724(8))
- State regulation / Producer regulation / Unfair trade practices (4724) / Failure to maintain complaint record (4724(10))
- State regulation / Producer regulation / Unfair trade practices (4724) / Failure to act as fiduciary (4724(12); Reg 95-1)
- State regulation / Producer regulation / Unfair trade practices (4724) / Unsuitability (4724(16))
- State regulation / Producer regulation / Unfair trade practices (4724) / Nondisclosure of fees or charges (4724(14))
- State regulation / Producer regulation / Consumer privacy regulation (IH-2001-01)
- Federal regulation
- Federal regulation / Fair Credit Reporting Act (15 USC 1681–1681d)
- Federal regulation / Fraud and false statements (18 USC 1033, 1034)
General Insurance (9%)
- Concepts
- Concepts / Risk management key terms
- Concepts / Risk management key terms / Risk
- Concepts / Risk management key terms / Exposure
- Concepts / Risk management key terms / Hazard
- Concepts / Risk management key terms / Peril
- Concepts / Risk management key terms / Loss
- Concepts / Methods of handling risk
- Concepts / Methods of handling risk / Avoidance
- Concepts / Methods of handling risk / Retention
- Concepts / Methods of handling risk / Sharing
- Concepts / Methods of handling risk / Reduction
- Concepts / Methods of handling risk / Transfer
- Concepts / Elements of insurable risks
- Concepts / Adverse selection
- Concepts / Law of large numbers
- Concepts / Reinsurance
- Insurers
- Insurers / Types of insurers
- Insurers / Types of insurers / Captive insurers
- Insurers / Types of insurers / Stock companies
- Insurers / Types of insurers / Mutual companies
- Insurers / Types of insurers / Fraternal benefit societies
- Insurers / Types of insurers / Lloyd's associations
- Insurers / Types of insurers / Risk retention groups
- Insurers / Private versus government insurers
- Insurers / Admitted versus nonadmitted insurers
- Insurers / Domestic, foreign and alien insurers
- Insurers / Financial status (independent rating services)
- Insurers / Marketing (distribution) systems
- Producers and general rules of agency
- Producers and general rules of agency / Insurer as principal
- Producers and general rules of agency / Producer/insurer relationship
- Producers and general rules of agency / Authority and powers of producers
- Producers and general rules of agency / Authority and powers of producers / Express
- Producers and general rules of agency / Authority and powers of producers / Implied
- Producers and general rules of agency / Authority and powers of producers / Apparent
- Contracts
- Contracts / Elements of a legal contract
- Contracts / Elements of a legal contract / Offer and acceptance
- Contracts / Elements of a legal contract / Consideration
- Contracts / Elements of a legal contract / Competent parties
- Contracts / Elements of a legal contract / Legal purpose
- Contracts / Distinct characteristics of an insurance contract
- Contracts / Distinct characteristics of an insurance contract / Contract of adhesion
- Contracts / Distinct characteristics of an insurance contract / Aleatory contract
- Contracts / Distinct characteristics of an insurance contract / Personal contract
- Contracts / Distinct characteristics of an insurance contract / Unilateral contract
- Contracts / Legal interpretations affecting contracts
- Contracts / Legal interpretations affecting contracts / Ambiguities in a contract of adhesion
- Contracts / Legal interpretations affecting contracts / Reasonable expectations
- Contracts / Legal interpretations affecting contracts / Indemnity
- Contracts / Legal interpretations affecting contracts / Utmost good faith
- Contracts / Legal interpretations affecting contracts / Representations/misrepresentations
- Contracts / Legal interpretations affecting contracts / Warranties
- Contracts / Legal interpretations affecting contracts / Concealment
- Contracts / Legal interpretations affecting contracts / Fraud
- Contracts / Legal interpretations affecting contracts / Waiver and estoppel
Property and Casualty Insurance Basics (10%)
- Principles and concepts
- Principles and concepts / Insurable interest
- Principles and concepts / Underwriting
- Principles and concepts / Underwriting / Function
- Principles and concepts / Underwriting / Loss ratio
- Principles and concepts / Rates
- Principles and concepts / Rates / Types
- Principles and concepts / Rates / Loss costs
- Principles and concepts / Rates / Components
- Principles and concepts / Hazards
- Principles and concepts / Hazards / Physical
- Principles and concepts / Hazards / Moral
- Principles and concepts / Hazards / Morale
- Principles and concepts / Negligence
- Principles and concepts / Negligence / Elements of a negligent act
- Principles and concepts / Negligence / Defenses against negligence
- Principles and concepts / Damages
- Principles and concepts / Damages / Compensatory — special versus general
- Principles and concepts / Damages / Punitive
- Principles and concepts / Absolute liability
- Principles and concepts / Strict liability
- Principles and concepts / Vicarious liability
- Principles and concepts / Causes of loss (perils)
- Principles and concepts / Named perils versus special (open) perils
- Principles and concepts / Direct loss
- Principles and concepts / Consequential or indirect loss
- Principles and concepts / Blanket versus specific insurance
- Principles and concepts / Basic types of construction
- Principles and concepts / Loss valuation
- Principles and concepts / Loss valuation / Actual cash value
- Principles and concepts / Loss valuation / Replacement cost
- Principles and concepts / Loss valuation / Functional replacement cost
- Principles and concepts / Loss valuation / Market value
- Principles and concepts / Loss valuation / Agreed value
- Principles and concepts / Loss valuation / Stated amount
- Principles and concepts / Loss valuation / Valued policy
- Policy structure
- Policy structure / Declarations
- Policy structure / Definitions
- Policy structure / Insuring agreement or clause
- Policy structure / Additional/supplementary coverage
- Policy structure / Conditions
- Policy structure / Exclusions
- Policy structure / Endorsements
- Common policy provisions
- Common policy provisions / Insureds — named, first named, additional
- Common policy provisions / Policy period
- Common policy provisions / Policy territory
- Common policy provisions / Cancellation and nonrenewal
- Common policy provisions / Deductibles
- Common policy provisions / Other insurance
- Common policy provisions / Other insurance / Nonconcurrency
- Common policy provisions / Other insurance / Primary and excess
- Common policy provisions / Other insurance / Pro rata
- Common policy provisions / Other insurance / Contribution by equal shares
- Common policy provisions / Limits of liability
- Common policy provisions / Limits of liability / Per occurrence (accident)
- Common policy provisions / Limits of liability / Per person
- Common policy provisions / Limits of liability / Aggregate — general versus products — completed operations
- Common policy provisions / Limits of liability / Split
- Common policy provisions / Limits of liability / Combined single
- Common policy provisions / Restoration/nonreduction of limits
- Common policy provisions / Coinsurance
- Common policy provisions / Vacancy or unoccupancy
- Common policy provisions / Named insured provisions
- Common policy provisions / Named insured provisions / Duties after loss
- Common policy provisions / Named insured provisions / Assignment
- Common policy provisions / Named insured provisions / Abandonment
- Common policy provisions / Insurer provisions
- Common policy provisions / Insurer provisions / Liberalization
- Common policy provisions / Insurer provisions / Subrogation
- Common policy provisions / Insurer provisions / Salvage
- Common policy provisions / Insurer provisions / Claim settlement options
- Common policy provisions / Insurer provisions / Duty to defend
- Common policy provisions / Third-party provisions
- Common policy provisions / Third-party provisions / Standard mortgage clause
- Common policy provisions / Third-party provisions / Loss payable clause
- Common policy provisions / Third-party provisions / No benefit to Bailee
- Vermont laws, regulations and required provisions
- Vermont laws, regulations and required provisions / Vermont Property and Casualty Insurance Guaranty Association (3611–3626)
- Vermont laws, regulations and required provisions / Renewal notice (3882; 4715)
- Vermont laws, regulations and required provisions / Cancellation and nonrenewal (3879–3881; 3883; 4711–4714)
- Vermont laws, regulations and required provisions / Consent to rate (4688(f); Reg I-2010-03)
- Vermont laws, regulations and required provisions / Loss payment (3868; Reg 79-2 Sec 6, 8)
- Vermont laws, regulations and required provisions / Discrimination (3861)
- Vermont laws, regulations and required provisions / Coinsurance (3961–3968)
- Vermont laws, regulations and required provisions / Pollution coverage (Bul 111)
- Vermont laws, regulations and required provisions / Required provisions (4203)
- Vermont laws, regulations and required provisions / Federal Terrorism Insurance Program (Bul 142, 150; 15 USC 6701; Public Law 107–297, 109– 144, 110–160)
Dwelling Policy (5%)
- Characteristics and purpose
- Coverage forms — Perils insured against
- Coverage forms — Perils insured against / Basic
- Coverage forms — Perils insured against / Broad
- Coverage forms — Perils insured against / Special
- Property coverages
- Property coverages / Coverage A — Dwelling
- Property coverages / Coverage B — Other structures
- Property coverages / Coverage C — Personal property
- Property coverages / Coverage D — Fair rental value
- Property coverages / Coverage E — Additional living expense
- Property coverages / Other coverages
- General exclusions
- Conditions
- Selected endorsements
- Selected endorsements / Special provisions — Vermont (DP 01 44)
- Selected endorsements / Automatic increase in insurance (DP 04 11)
- Selected endorsements / Broad theft coverage (DP 04 72)
- Selected endorsements / Dwelling under construction (DP 11 43)
- Personal liability supplement
Homeowners Policy (17%)
- Coverage forms
- Coverage forms / HO-2 through HO-6
- Definitions
- Section I — Property coverages
- Section I — Property coverages / Coverage A — Dwelling
- Section I — Property coverages / Coverage B — Other structures
- Section I — Property coverages / Coverage C — Personal property
- Section I — Property coverages / Coverage D — Loss of use
- Section I — Property coverages / Additional coverages
- Section II — Liability coverages
- Section II — Liability coverages / Coverage E — Personal liability
- Section II — Liability coverages / Coverage F — Medical payments to others
- Section II — Liability coverages / Additional coverages
- Perils insured against
- Exclusions
- Conditions
- Selected endorsements
- Selected endorsements / Special provisions — Vermont (HO 01 44)
- Selected endorsements / Special provisions — Vermont (HO 01 44) / Limited fungi, wet or dry rot, or bacteria coverage — Vermont (HO 04 02)
- Selected endorsements / Special provisions — Vermont (HO 01 44) / Permitted incidental occupancies (HO 04 42)
- Selected endorsements / Special provisions — Vermont (HO 01 44) / Earthquake (HO 04 54)
- Selected endorsements / Special provisions — Vermont (HO 01 44) / Scheduled personal property (HO 04 61)
- Selected endorsements / Special provisions — Vermont (HO 01 44) / Personal property replacement cost (HO 04 90)
- Selected endorsements / Special provisions — Vermont (HO 01 44) / Home day care — Vermont (HO 23 45)
- Selected endorsements / Special provisions — Vermont (HO 01 44) / Business pursuits (HO 24 71)
- Selected endorsements / Special provisions — Vermont (HO 01 44) / Watercraft (HO 24 75)
- Selected endorsements / Special provisions — Vermont (HO 01 44) / Personal injury (HO 24 82)
Auto Insurance (21%)
- Laws
- Laws / Vermont Motor Vehicle Financial Responsibility and Insurance Laws (Title 23 Sec 800–943)
- Laws / Vermont Motor Vehicle Financial Responsibility and Insurance Laws (Title 23 Sec 800–943) / Required limits of liability (Title 23 Sec 801)
- Laws / Vermont Motor Vehicle Financial Responsibility and Insurance Laws (Title 23 Sec 800–943) / Required proof of insurance (Bul 77)
- Laws / Vermont Automobile Insurance Plan (4241–4246)
- Laws / Vermont Automobile Insurance Plan (4241–4246) / Eligibility
- Laws / Vermont Automobile Insurance Plan (4241–4246) / Liability limitations
- Laws / Vermont Automobile Insurance Plan (4241–4246) / Physical damage coverage limitations
- Laws / Uninsured/underinsured motorist (Title 23 Sec 941)
- Laws / Uninsured/underinsured motorist (Title 23 Sec 941) / Definitions
- Laws / Uninsured/underinsured motorist (Title 23 Sec 941) / Required limits of liability
- Laws / Uninsured/underinsured motorist (Title 23 Sec 941) / Bodily injury
- Laws / Uninsured/underinsured motorist (Title 23 Sec 941) / Property damage
- Laws / Cancellation/nonrenewal
- Laws / Cancellation/nonrenewal / Grounds (4223)
- Laws / Cancellation/nonrenewal / Notice (4224–4226)
- Laws / Cancellation/nonrenewal / Notice of eligibility in assigned risk plan (4227)
- Laws / Binders (Title 23 Sec 942)
- Laws / Surcharges (4671–4675)
- Personal auto policy
- Personal auto policy / Definitions
- Personal auto policy / Liability coverage
- Personal auto policy / Liability coverage / Bodily injury and property damage
- Personal auto policy / Liability coverage / Supplementary payments
- Personal auto policy / Liability coverage / Exclusions
- Personal auto policy / Medical payments
- Personal auto policy / Uninsured motorist/underinsured motorist coverage
- Personal auto policy / Coverage for damage to your auto
- Personal auto policy / Coverage for damage to your auto / Collision
- Personal auto policy / Coverage for damage to your auto / Other than collision
- Personal auto policy / Coverage for damage to your auto / Deductibles
- Personal auto policy / Coverage for damage to your auto / Transportation expense
- Personal auto policy / Coverage for damage to your auto / Exclusions
- Personal auto policy / Duties after an accident or loss
- Personal auto policy / General provisions
- Personal auto policy / Selected endorsements
- Personal auto policy / Selected endorsements / Amendment of policy provisions — Vermont (PP 01 72)
- Personal auto policy / Selected endorsements / Towing and labor costs (PP 03 03)
- Personal auto policy / Selected endorsements / Extended non-owned coverage (PP 03 06)
- Personal auto policy / Selected endorsements / Miscellaneous type vehicle (PP 03 23)
- Personal auto policy / Selected endorsements / Joint ownership coverage — Vermont (PP 03 80)
- Commercial auto
- Commercial auto / Commercial auto coverage forms
- Commercial auto / Commercial auto coverage forms / Business auto
- Commercial auto / Commercial auto coverage forms / Auto Dealers
- Commercial auto / Commercial auto coverage forms / Business auto physical damage
- Commercial auto / Commercial auto coverage forms / Truckers
- Commercial auto / Commercial auto coverage forms / Motor carrier
- Commercial auto / Coverage form sections
- Commercial auto / Coverage form sections / Covered autos
- Commercial auto / Coverage form sections / Liability coverage
- Commercial auto / Coverage form sections / Garagekeepers coverage
- Commercial auto / Coverage form sections / Trailer interchange coverage
- Commercial auto / Coverage form sections / Physical damage coverage
- Commercial auto / Coverage form sections / Exclusions
- Commercial auto / Coverage form sections / Conditions
- Commercial auto / Coverage form sections / Definitions
- Commercial auto / Selected endorsements
- Commercial auto / Selected endorsements / Lessor — additional insured and loss payee (CA 20 01)
- Commercial auto / Selected endorsements / Mobile equipment (CA 20 15)
- Commercial auto / Selected endorsements / Auto medical payments coverage (CA 99 03)
- Commercial auto / Selected endorsements / Drive other car coverage (CA 99 10)
- Commercial auto / Selected endorsements / Individual named insured (CA 99 17)
- Commercial auto / Commercial carrier regulations
- Commercial auto / Commercial carrier regulations / The Motor Carrier Act of 1980
- Commercial auto / Commercial carrier regulations / Endorsement for motor carrier policies of insurance for public liability (MCS-90)
Commercial Package Policy (CPP) (8%)
- Components of a commercial policy
- Components of a commercial policy / Common policy declarations
- Components of a commercial policy / Common policy conditions
- Components of a commercial policy / Interline endorsements
- Components of a commercial policy / One or more coverage parts
- Commercial general liability
- Commercial general liability / Commercial general liability coverage forms
- Commercial general liability / Commercial general liability coverage forms / Bodily injury and property damage liability
- Commercial general liability / Commercial general liability coverage forms / Personal and advertising injury liability
- Commercial general liability / Commercial general liability coverage forms / Medical payments
- Commercial general liability / Commercial general liability coverage forms / Supplementary payments
- Commercial general liability / Commercial general liability coverage forms / Who is an insured
- Commercial general liability / Commercial general liability coverage forms / Limits of liability
- Commercial general liability / Commercial general liability coverage forms / Conditions
- Commercial general liability / Commercial general liability coverage forms / Definitions
- Commercial general liability / Commercial general liability coverage forms / Exclusions
- Commercial general liability / Premises and operations
- Commercial general liability / Products and completed operations
- Commercial general liability / Insured contract
- Commercial property
- Commercial property / Commercial property conditions form
- Commercial property / Coverage forms
- Commercial property / Coverage forms / Building and personal property
- Commercial property / Coverage forms / Condominium association
- Commercial property / Coverage forms / Condominium commercial unit-owners
- Commercial property / Coverage forms / Builders risk
- Commercial property / Coverage forms / Business income
- Commercial property / Coverage forms / Legal liability
- Commercial property / Coverage forms / Extra expense
- Commercial property / Causes of loss forms
- Commercial property / Causes of loss forms / Basic
- Commercial property / Causes of loss forms / Broad
- Commercial property / Causes of loss forms / Special
- Commercial property / Selected endorsements
- Commercial property / Selected endorsements / Ordinance or law (CP 04 05)
- Commercial property / Selected endorsements / Spoilage (CP 04 40)
- Commercial property / Selected endorsements / Peak season limit of insurance (CP 12 30)
- Commercial property / Selected endorsements / Value reporting form (CP 13 10)
- Commercial crime
- Commercial crime / General definitions
- Commercial crime / General definitions / Burglary
- Commercial crime / General definitions / Theft
- Commercial crime / General definitions / Robbery
- Commercial crime / Crime coverage forms
- Commercial crime / Crime coverage forms / Commercial crime coverage forms (discovery/loss sustained)
- Commercial crime / Crime coverage forms / Government crime coverage forms (discovery/loss sustained)
- Commercial crime / Coverages
- Commercial crime / Coverages / Employee theft
- Commercial crime / Coverages / Forgery or alteration
- Commercial crime / Coverages / Inside the premises — theft of money and securities
- Commercial crime / Coverages / Inside the premises — robbery or safe burglary of other property
- Commercial crime / Coverages / Outside premises
- Commercial crime / Coverages / Computer fraud
- Commercial crime / Coverages / Funds transfer fraud
- Commercial crime / Coverages / Money orders and counterfeit money
- Commercial crime / Other crime coverage
- Commercial crime / Other crime coverage / Extortion — commercial entities
- Commercial inland marine
- Commercial inland marine / Commercial inland marine conditions form
- Commercial inland marine / Inland marine coverage forms
- Commercial inland marine / Inland marine coverage forms / Accounts receivable
- Commercial inland marine / Inland marine coverage forms / Bailee's customers
- Commercial inland marine / Inland marine coverage forms / Commercial articles
- Commercial inland marine / Inland marine coverage forms / Contractors equipment floater
- Commercial inland marine / Inland marine coverage forms / Electronic data processing
- Commercial inland marine / Inland marine coverage forms / Equipment dealers
- Commercial inland marine / Inland marine coverage forms / Installation floater
- Commercial inland marine / Inland marine coverage forms / Jewelers block
- Commercial inland marine / Inland marine coverage forms / Signs
- Commercial inland marine / Inland marine coverage forms / Valuable papers and records
- Commercial inland marine / Transportation coverages
- Commercial inland marine / Transportation coverages / Common carrier cargo liability
- Commercial inland marine / Transportation coverages / Motor truck cargo forms
- Commercial inland marine / Transportation coverages / Transit coverage forms
- Equipment breakdown
- Equipment breakdown / Equipment breakdown protection coverage form (EB 00 20)
- Equipment breakdown / Selected endorsement
- Equipment breakdown / Selected endorsement / Actual cash value (EB 99 59)
- Farm coverage
- Farm coverage / Farm property coverage forms
- Farm coverage / Farm property coverage forms / Coverage A — Dwellings
- Farm coverage / Farm property coverage forms / Coverage B — Other private structures
- Farm coverage / Farm property coverage forms / Coverage C — Household personal property
- Farm coverage / Farm property coverage forms / Coverage D — Loss of use
- Farm coverage / Farm property coverage forms / Coverage D — Loss of use / Coverage E — Scheduled farm personal property
- Farm coverage / Farm property coverage forms / Coverage D — Loss of use / Coverage F — Unscheduled farm personal property
- Farm coverage / Farm property coverage forms / Coverage D — Loss of use / Coverage G — Other farm structures
- Farm coverage / Farm property coverage forms / Farm liability coverage form
- Farm coverage / Farm property coverage forms / Farm liability coverage form / Coverage H — Bodily injury and property damage liability
- Farm coverage / Farm property coverage forms / Farm liability coverage form / Coverage I — Personal advertising injury liability
- Farm coverage / Farm property coverage forms / Farm liability coverage form / Coverage J — Medical payments
- Farm coverage / Farm property coverage forms / Mobile agricultural machinery and equipment coverage form
- Farm coverage / Farm property coverage forms / Livestock coverage form
- Farm coverage / Farm property coverage forms / Definitions
- Farm coverage / Farm property coverage forms / Cause of loss (basic, broad and special)
- Farm coverage / Farm property coverage forms / Conditions
- Farm coverage / Farm property coverage forms / Exclusions
- Farm coverage / Farm property coverage forms / Limits
- Farm coverage / Farm property coverage forms / Additional coverages
Businessowners Policy (6%)
- Characteristics and purpose
- Businessowners Section I — Property
- Businessowners Section I — Property / Coverage
- Businessowners Section I — Property / Exclusions
- Businessowners Section I — Property / Limits
- Businessowners Section I — Property / Deductibles
- Businessowners Section I — Property / Loss conditions
- Businessowners Section I — Property / General conditions
- Businessowners Section I — Property / Optional coverages
- Businessowners Section I — Property / Definitions
- Businessowners Section II — Liability
- Businessowners Section II — Liability / Coverages
- Businessowners Section II — Liability / Exclusions
- Businessowners Section II — Liability / Who is an insured
- Businessowners Section II — Liability / Limits of insurance
- Businessowners Section II — Liability / General conditions
- Businessowners Section II — Liability / Definitions
- Businessowners Section III — Common Policy Conditions
- Selected endorsements
- Selected endorsements / Protective safeguards (BP 04 30)
- Selected endorsements / Utility services — direct damage (BP 04 56)
- Selected endorsements / Utility services — time element (BP 04 57)
Workers Compensation Insurance (7%)
- Workers compensation laws
- Workers compensation laws / Type of law
- Workers compensation laws / Type of law / Compulsory versus elective
- Workers compensation laws / Vermont Workers' Compensation Law
- Workers compensation laws / Vermont Workers' Compensation Law / Exclusive remedy
- Workers compensation laws / Vermont Workers' Compensation Law / Employment covered (required, voluntary)
- Workers compensation laws / Vermont Workers' Compensation Law / Covered injuries
- Workers compensation laws / Vermont Workers' Compensation Law / Occupational disease
- Workers compensation laws / Vermont Workers' Compensation Law / Benefits provided
- Workers compensation laws / Federal workers compensation laws
- Workers compensation laws / Federal workers compensation laws / Federal Employer Liability Act (FELA) (45 USC 51–60)
- Workers compensation laws / Federal workers compensation laws / U.S. Longshore & Harbor Workers'
- Workers compensation laws / Federal workers compensation laws / U.S. Longshore & Harbor Workers' / Compensation Act (33 USC 904)
- Workers compensation laws / Federal workers compensation laws / The Jones Act (46 USC 688)
- Workers compensation and employers liability insurance policy
- Workers compensation and employers liability insurance policy / General section
- Workers compensation and employers liability insurance policy / Part One — Workers compensation insurance
- Workers compensation and employers liability insurance policy / Part Two — Employers liability insurance
- Workers compensation and employers liability insurance policy / Part Three — Other states insurance
- Workers compensation and employers liability insurance policy / Part Four — Your duties if injury occurs
- Workers compensation and employers liability insurance policy / Part Five — Premium
- Workers compensation and employers liability insurance policy / Part Six — Conditions
- Workers compensation and employers liability insurance policy / Voluntary compensation endorsement
- Premium computation
- Premium computation / Job classification — payroll and rates
- Premium computation / Experience modification factor
- Premium computation / Premium discounts
- Other sources of coverages
- Other sources of coverages / Vermont workers' compensation administration fund
- Other sources of coverages / Self-insured employers and employer groups
Other Coverages and Options (7%)
- Umbrella/excess liability policies
- Umbrella/excess liability policies / Personal (DL 98 01)
- Umbrella/excess liability policies / Commercial (CU 00 01)
- Specialty liability insurance
- Specialty liability insurance / Cyber liability coverage
- Specialty liability insurance / Professional liability
- Specialty liability insurance / Errors and omissions
- Specialty liability insurance / Directors and officers liability
- Specialty liability insurance / Fiduciary liability
- Specialty liability insurance / Liquor liability
- Specialty liability insurance / Employment practices liability
- Surplus lines
- Surplus lines / Definitions and markets
- Surplus lines / Licensing requirements
- Surety bonds
- Surety bonds / Principal, obligee, surety
- Surety bonds / Contract bonds
- Surety bonds / License and permit bonds
- Surety bonds / Judicial bonds
- Ocean marine insurance
- Ocean marine insurance / Hull insurance
- Ocean marine insurance / Cargo insurance
- Ocean marine insurance / Freight insurance
- Ocean marine insurance / Protection and indemnity
- National Flood Insurance Program
- National Flood Insurance Program / "Write your own" versus government
- National Flood Insurance Program / Eligibility
- National Flood Insurance Program / Coverage
- National Flood Insurance Program / Limits
- National Flood Insurance Program / Deductibles
Examination sources
- Prometric: Vermont Producer's Examination for Property and Casualty Insurance, Series 14-31
Page 1, examination-specific complete outline and weights
- Prometric: Vermont Producer's Examination for Property and Casualty Insurance, Series 14-31
Page 1, official outline effective date
- Prometric: Vermont Producer's Examination for Property and Casualty Insurance, Series 14-31
Page 1, scored and unscored question counts
- Vermont Licensing Information Bulletin
Page 13, Question Types
- Prometric: Vermont Producer's Examination for Property and Casualty Insurance, Series 14-31
Page 1, series identifying a separately offered examination
- Vermont Licensing Information Bulletin
Page 28, examination registration instruction
- Vermont Licensing Information Bulletin
Page 5, combination exam single score
Vermont Producer's Examination for Casualty Insurance
- Provider
- Prometric
- Format
- Computer-delivered four-option multiple-choice examination
- Exam questions
- 100 scored questions plus 5 unscored items
- Time limit
- 2 hours
Examination outline
Insurance Regulation (10%)
- Licensing
- Licensing / Process (4800; 4813f)
- Licensing / Types of licensees (4791)
- Licensing / Types of licensees (4791) / Resident (4800(3)(A))
- Licensing / Types of licensees (4791) / Nonresident (4800(3)(B); 4813h)
- Licensing / Types of licensees (4791) / Temporary (4800(3)(D)(ii); 4813k)
- Licensing / Maintenance and duration
- Licensing / Maintenance and duration / Renewal and expiration (4798)
- Licensing / Maintenance and duration / Address change (4800(3)(F))
- Licensing / Maintenance and duration / Assumed business name (4813j)
- Licensing / Maintenance and duration / Reporting of actions (4813o)
- Licensing / Maintenance and duration / Continuing education requirements (4800a; Reg 2000-2 Sec 4)
- Licensing / Disciplinary actions
- Licensing / Disciplinary actions / Denial of license (4800(3)(E))
- Licensing / Disciplinary actions / Cease and desist order (3661)
- Licensing / Disciplinary actions / Suspension, revocation or nonrenewal (4804; 4806)
- Licensing / Disciplinary actions / Penalties (3661(a)(2); 4804(d))
- State regulation
- State regulation / Commissioner's general duties and powers (4726; 4804)
- State regulation / Company regulation
- State regulation / Company regulation / Certificate of authority (3368)
- State regulation / Company regulation / Unfair claim settlement practices (4724(9); Reg 79-2 Sec 1–7)
- State regulation / Company regulation / Policy forms (3541)
- State regulation / Company regulation / Examination of records (3565)
- State regulation / Company regulation / Producer appointment (4798(c); 4813l)
- State regulation / Company regulation / Termination of appointment (4798(d); 4813m)
- State regulation / Producer regulation
- State regulation / Producer regulation / Acting without a license (4793; 4813c)
- State regulation / Producer regulation / Acting without a license (4793; 4813c) / Shared commissions (4796)
- State regulation / Producer regulation / Acting without a license (4793; 4813c) / Trust accounts — anti-commingling (Reg 95-1; 4724(12))
- State regulation / Producer regulation / Acting without a license (4793; 4813c) / Controlled business (4795)
- State regulation / Producer regulation / Acting without a license (4793; 4813c) / Duties (4813c)
- State regulation / Producer regulation / Unfair trade practices (4724)
- State regulation / Producer regulation / Unfair trade practices (4724) / Misrepresentation (4724(1, 11, 13))
- State regulation / Producer regulation / Unfair trade practices (4724) / False advertising (4724(2))
- State regulation / Producer regulation / Unfair trade practices (4724) / Defamation (4724(3))
- State regulation / Producer regulation / Unfair trade practices (4724) / Boycott, coercion and intimidation (4724(4))
- State regulation / Producer regulation / Unfair trade practices (4724) / False financial statements and entries (4724(5))
- State regulation / Producer regulation / Unfair trade practices (4724) / Illegal inducement (4724(6))
- State regulation / Producer regulation / Unfair trade practices (4724) / Unfair discrimination (4724(7))
- State regulation / Producer regulation / Unfair trade practices (4724) / Rebating (4724(8))
- State regulation / Producer regulation / Unfair trade practices (4724) / Failure to maintain complaint record (4724(10))
- State regulation / Producer regulation / Unfair trade practices (4724) / Failure to act as fiduciary (4724(12); Reg 95-1)
- State regulation / Producer regulation / Unfair trade practices (4724) / Unsuitability (4724(16))
- State regulation / Producer regulation / Unfair trade practices (4724) / Nondisclosure of fees or charges (4724(14))
- State regulation / Producer regulation / Consumer privacy regulation (IH-2001-01)
- Federal regulation
- Federal regulation / Fair Credit Reporting Act (15 USC 1681–1681d)
- Federal regulation / Fraud and false statements (18 USC 1033, 1034)
General Insurance (9%)
- Concepts
- Concepts / Risk management key terms
- Concepts / Risk management key terms / Risk
- Concepts / Risk management key terms / Exposure
- Concepts / Risk management key terms / Hazard
- Concepts / Risk management key terms / Peril
- Concepts / Risk management key terms / Loss
- Concepts / Methods of handling risk
- Concepts / Methods of handling risk / Avoidance
- Concepts / Methods of handling risk / Retention
- Concepts / Methods of handling risk / Sharing
- Concepts / Methods of handling risk / Reduction
- Concepts / Methods of handling risk / Transfer
- Concepts / Elements of insurable risks
- Concepts / Adverse selection
- Concepts / Law of large numbers
- Concepts / Reinsurance
- Insurers
- Insurers / Types of insurers
- Insurers / Types of insurers / Captive insurers
- Insurers / Types of insurers / Stock companies
- Insurers / Types of insurers / Mutual companies
- Insurers / Types of insurers / Fraternal benefit societies
- Insurers / Types of insurers / Lloyd's associations
- Insurers / Types of insurers / Risk retention groups
- Insurers / Private versus government insurers
- Insurers / Admitted versus nonadmitted insurers
- Insurers / Domestic, foreign and alien insurers
- Insurers / Financial status (independent rating services)
- Insurers / Marketing (distribution) systems
- Producers and general rules of agency
- Producers and general rules of agency / Insurer as principal
- Producers and general rules of agency / Producer/insurer relationship
- Producers and general rules of agency / Authority and powers of producers
- Producers and general rules of agency / Authority and powers of producers / Express
- Producers and general rules of agency / Authority and powers of producers / Implied
- Producers and general rules of agency / Authority and powers of producers / Apparent
- Contracts
- Contracts / Elements of a legal contract
- Contracts / Elements of a legal contract / Offer and acceptance
- Contracts / Elements of a legal contract / Consideration
- Contracts / Elements of a legal contract / Competent parties
- Contracts / Elements of a legal contract / Legal purpose
- Contracts / Distinct characteristics of an insurance contract
- Contracts / Distinct characteristics of an insurance contract / Contract of adhesion
- Contracts / Distinct characteristics of an insurance contract / Aleatory contract
- Contracts / Distinct characteristics of an insurance contract / Personal contract
- Contracts / Distinct characteristics of an insurance contract / Unilateral contract
- Contracts / Legal interpretations affecting contracts
- Contracts / Legal interpretations affecting contracts / Ambiguities in a contract of adhesion
- Contracts / Legal interpretations affecting contracts / Reasonable expectations
- Contracts / Legal interpretations affecting contracts / Indemnity
- Contracts / Legal interpretations affecting contracts / Utmost good faith
- Contracts / Legal interpretations affecting contracts / Representations/misrepresentations
- Contracts / Legal interpretations affecting contracts / Warranties
- Contracts / Legal interpretations affecting contracts / Concealment
- Contracts / Legal interpretations affecting contracts / Fraud
- Contracts / Legal interpretations affecting contracts / Waiver and estoppel
Casualty Insurance Basics (12%)
- Principles and concepts
- Principles and concepts / Insurable interest
- Principles and concepts / Underwriting
- Principles and concepts / Underwriting / Function
- Principles and concepts / Underwriting / Loss ratio
- Principles and concepts / Rates
- Principles and concepts / Rates / Types
- Principles and concepts / Rates / Loss costs
- Principles and concepts / Rates / Components
- Principles and concepts / Hazards
- Principles and concepts / Hazards / Physical
- Principles and concepts / Hazards / Moral
- Principles and concepts / Hazards / Morale
- Principles and concepts / Negligence
- Principles and concepts / Negligence / Elements of a negligent act
- Principles and concepts / Negligence / Defenses against negligence
- Principles and concepts / Damages
- Principles and concepts / Damages / Compensatory — special versus general
- Principles and concepts / Damages / Punitive
- Principles and concepts / Absolute liability
- Principles and concepts / Absolute liability / Strict liability
- Principles and concepts / Absolute liability / Vicarious liability
- Policy structure
- Policy structure / Declarations
- Policy structure / Definitions
- Policy structure / Insuring agreement or clause
- Policy structure / Additional/supplementary coverage
- Policy structure / Conditions
- Policy structure / Exclusions
- Policy structure / Endorsements
- Common policy provisions
- Common policy provisions / Insureds — named, first named, additional
- Common policy provisions / Policy period
- Common policy provisions / Policy territory
- Common policy provisions / Cancellation and nonrenewal
- Common policy provisions / Deductibles
- Common policy provisions / Other insurance
- Common policy provisions / Other insurance / Nonconcurrency
- Common policy provisions / Other insurance / Primary and excess
- Common policy provisions / Other insurance / Pro rata
- Common policy provisions / Other insurance / Contribution by equal shares
- Common policy provisions / Limits of liability
- Common policy provisions / Limits of liability / Per occurrence (accident)
- Common policy provisions / Limits of liability / Per person
- Common policy provisions / Limits of liability / Aggregate — general versus products — completed operations
- Common policy provisions / Limits of liability / Split
- Common policy provisions / Limits of liability / Combined single
- Common policy provisions / Named insured provisions
- Common policy provisions / Named insured provisions / Duties after loss
- Common policy provisions / Named insured provisions / Assignment
- Common policy provisions / Insurer provisions
- Common policy provisions / Insurer provisions / Liberalization
- Common policy provisions / Insurer provisions / Subrogation
- Common policy provisions / Insurer provisions / Duty to defend
- Vermont laws, regulations and required provisions
- Vermont laws, regulations and required provisions / Vermont Property and Casualty Insurance Guaranty Association (3611–3626)
- Vermont laws, regulations and required provisions / Renewal notice (3882; 4715)
- Vermont laws, regulations and required provisions / Cancellation and nonrenewal (3879–3881; 3883; 4711–4714)
- Vermont laws, regulations and required provisions / Consent to rate (4688(f); Reg I-2010-03)
- Vermont laws, regulations and required provisions / Loss payment (Reg 79-2 Sec 6, 8)
- Vermont laws, regulations and required provisions / Discrimination (3861)
- Vermont laws, regulations and required provisions / Pollution coverage (Bul 111)
- Vermont laws, regulations and required provisions / Required provisions (4203)
- Vermont laws, regulations and required provisions / Federal Terrorism Insurance Program (Bul 142, 150; 15 USC 6701; Public Law 107–297, 109– 144, 110–160)
Homeowners Policy (17%)
- Coverage forms
- Coverage forms / HO-2 through HO-6
- Definitions
- Section II — Liability coverages
- Section II — Liability coverages / Coverage E — Personal liability
- Section II — Liability coverages / Coverage F — Medical payments to others
- Section II — Liability coverages / Additional coverages
- Exclusions
- Conditions
- Selected endorsements
- Selected endorsements / Special provisions — Vermont (HO 01 44)
- Selected endorsements / Limited fungi, wet or dry rot, or bacteria coverage — Vermont (HO 04 02)
- Selected endorsements / Permitted incidental occupancies (HO 04 42)
- Selected endorsements / Home day care — Vermont (HO 23 45)
- Selected endorsements / Business pursuits (HO 24 71)
- Selected endorsements / Watercraft (HO 24 75)
- Selected endorsements / Personal injury (HO 24 82)
Auto Insurance (21%)
- Laws
- Laws / Vermont Motor Vehicle Financial Responsibility and Insurance Laws (Title 23 Sec 800–943)
- Laws / Vermont Motor Vehicle Financial Responsibility and Insurance Laws (Title 23 Sec 800–943) / Required limits of liability (Title 23 Sec 801)
- Laws / Vermont Motor Vehicle Financial Responsibility and Insurance Laws (Title 23 Sec 800–943) / Required proof of insurance (Bul 77)
- Laws / Vermont Automobile Insurance Plan (4241–4246)
- Laws / Vermont Automobile Insurance Plan (4241–4246) / Eligibility
- Laws / Vermont Automobile Insurance Plan (4241–4246) / Liability limitations
- Laws / Vermont Automobile Insurance Plan (4241–4246) / Physical damage coverage limitations
- Laws / Uninsured/underinsured motorist (Title 23 Sec 941)
- Laws / Uninsured/underinsured motorist (Title 23 Sec 941) / Definitions
- Laws / Uninsured/underinsured motorist (Title 23 Sec 941) / Required limits of liability
- Laws / Uninsured/underinsured motorist (Title 23 Sec 941) / Bodily injury
- Laws / Uninsured/underinsured motorist (Title 23 Sec 941) / Property damage
- Laws / Cancellation/nonrenewal
- Laws / Cancellation/nonrenewal / Grounds (4223)
- Laws / Cancellation/nonrenewal / Notice (4224–4226)
- Laws / Cancellation/nonrenewal / Notice of eligibility in assigned risk plan (4227)
- Laws / Binders (Title 23 Sec 942)
- Laws / Surcharges (4671–4675)
- Personal auto policy
- Personal auto policy / Definitions
- Personal auto policy / Liability coverage
- Personal auto policy / Liability coverage / Bodily injury and property damage
- Personal auto policy / Liability coverage / Supplementary payments
- Personal auto policy / Liability coverage / Exclusions
- Personal auto policy / Medical payments
- Personal auto policy / Uninsured motorist/underinsured motorist coverage
- Personal auto policy / Coverage for damage to your auto
- Personal auto policy / Coverage for damage to your auto / Collision
- Personal auto policy / Coverage for damage to your auto / Other than collision
- Personal auto policy / Coverage for damage to your auto / Deductibles
- Personal auto policy / Coverage for damage to your auto / Transportation expense
- Personal auto policy / Coverage for damage to your auto / Exclusions
- Personal auto policy / Duties after an accident or loss
- Personal auto policy / General provisions
- Personal auto policy / Selected endorsements
- Personal auto policy / Selected endorsements / Amendment of policy provisions — Vermont (PP 01 72)
- Personal auto policy / Selected endorsements / Towing and labor costs (PP 03 03)
- Personal auto policy / Selected endorsements / Extended non-owned coverage (PP 03 06)
- Personal auto policy / Selected endorsements / Miscellaneous type vehicle (PP 03 23)
- Personal auto policy / Selected endorsements / Joint ownership coverage — Vermont (PP 03 80)
- Commercial auto
- Commercial auto / Commercial auto coverage forms
- Commercial auto / Commercial auto coverage forms / Business auto
- Commercial auto / Commercial auto coverage forms / Auto Dealers
- Commercial auto / Commercial auto coverage forms / Business auto physical damage
- Commercial auto / Commercial auto coverage forms / Truckers
- Commercial auto / Commercial auto coverage forms / Motor carrier
- Commercial auto / Coverage form sections
- Commercial auto / Coverage form sections / Covered autos
- Commercial auto / Coverage form sections / Liability coverage
- Commercial auto / Coverage form sections / Garagekeepers coverage
- Commercial auto / Coverage form sections / Trailer interchange coverage
- Commercial auto / Coverage form sections / Physical damage coverage
- Commercial auto / Coverage form sections / Exclusions
- Commercial auto / Coverage form sections / Conditions
- Commercial auto / Coverage form sections / Definitions
- Commercial auto / Selected endorsements
- Commercial auto / Selected endorsements / Lessor — additional insured and loss payee (CA 20 01)
- Commercial auto / Selected endorsements / Mobile equipment (CA 20 15)
- Commercial auto / Selected endorsements / Auto medical payments coverage (CA 99 03)
- Commercial auto / Selected endorsements / Drive other car coverage (CA 99 10)
- Commercial auto / Selected endorsements / Individual named insured (CA 99 17)
- Commercial auto / Commercial carrier regulations
- Commercial auto / Commercial carrier regulations / The Motor Carrier Act of 1980
- Commercial auto / Commercial carrier regulations / Endorsement for motor carrier policies of insurance for public liability (MCS-90)
Commercial Package Policy (CPP) (9%)
- Components of a commercial policy
- Components of a commercial policy / Common policy declarations
- Components of a commercial policy / Common policy conditions
- Components of a commercial policy / Interline endorsements
- Components of a commercial policy / One or more coverage parts
- Commercial general liability
- Commercial general liability / Commercial general liability coverage forms
- Commercial general liability / Commercial general liability coverage forms / Bodily injury and property damage liability
- Commercial general liability / Commercial general liability coverage forms / Personal and advertising injury liability
- Commercial general liability / Commercial general liability coverage forms / Medical payments
- Commercial general liability / Commercial general liability coverage forms / Supplementary payments
- Commercial general liability / Commercial general liability coverage forms / Who is an insured
- Commercial general liability / Commercial general liability coverage forms / Limits of liability
- Commercial general liability / Commercial general liability coverage forms / Conditions
- Commercial general liability / Commercial general liability coverage forms / Definitions
- Commercial general liability / Commercial general liability coverage forms / Exclusions
- Commercial general liability / Premises and operations
- Commercial general liability / Products and completed operations
- Commercial general liability / Insured contract
- Commercial crime
- Commercial crime / General definitions
- Commercial crime / General definitions / Burglary
- Commercial crime / General definitions / Theft
- Commercial crime / General definitions / Robbery
- Commercial crime / Crime coverage forms
- Commercial crime / Crime coverage forms / Commercial crime coverage forms (discovery/loss sustained)
- Commercial crime / Crime coverage forms / Government crime coverage forms (discovery/loss sustained)
- Commercial crime / Coverages
- Commercial crime / Coverages / Employee theft
- Commercial crime / Coverages / Forgery or alteration
- Commercial crime / Coverages / Inside the premises — theft of money and securities
- Commercial crime / Coverages / Inside the premises — robbery or safe burglary of other property
- Commercial crime / Coverages / Outside premises
- Commercial crime / Coverages / Computer fraud
- Commercial crime / Coverages / Funds transfer fraud
- Commercial crime / Coverages / Money orders and counterfeit money
- Commercial crime / Other crime coverage
- Commercial crime / Other crime coverage / Extortion — commercial entities
- Farm coverage
- Farm coverage / Farm liability coverage form
- Farm coverage / Farm liability coverage form / Coverage H — Bodily injury and property damage liability
- Farm coverage / Farm liability coverage form / Coverage I — Personal advertising injury liability
- Farm coverage / Farm liability coverage form / Coverage J — Medical payments
- Farm coverage / Definitions
- Farm coverage / Conditions
- Farm coverage / Exclusions
- Farm coverage / Limits
- Farm coverage / Additional coverages
Businessowners Policy (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
Workers Compensation Insurance (7%)
- Workers compensation laws
- Workers compensation laws / Type of law
- Workers compensation laws / Type of law / Compulsory versus elective
- Workers compensation laws / Vermont Workers' Compensation Law
- Workers compensation laws / Vermont Workers' Compensation Law / Exclusive remedy
- Workers compensation laws / Vermont Workers' Compensation Law / Employment covered (required, voluntary)
- Workers compensation laws / Vermont Workers' Compensation Law / Covered injuries
- Workers compensation laws / Vermont Workers' Compensation Law / Occupational disease
- Workers compensation laws / Vermont Workers' Compensation Law / Benefits provided
- Workers compensation laws / Federal workers compensation laws
- Workers compensation laws / Federal workers compensation laws / Federal Employer Liability Act (FELA) (45 USC 51–60)
- Workers compensation laws / Federal workers compensation laws / U.S. Longshore & Harbor Workers'
- Workers compensation laws / Federal workers compensation laws / U.S. Longshore & Harbor Workers' / Compensation Act (33 USC 904)
- Workers compensation laws / Federal workers compensation laws / The Jones Act (46 USC 688)
- Workers compensation and employers liability insurance policy
- Workers compensation and employers liability insurance policy / General section
- Workers compensation and employers liability insurance policy / Part One — Workers compensation insurance
- Workers compensation and employers liability insurance policy / Part One — Workers compensation insurance / Part Two — Employers liability insurance
- Workers compensation and employers liability insurance policy / Part One — Workers compensation insurance / Part Three — Other states insurance
- Workers compensation and employers liability insurance policy / Part One — Workers compensation insurance / Part Four — Your duties if injury occurs
- Workers compensation and employers liability insurance policy / Part One — Workers compensation insurance / Part Five — Premium
- Workers compensation and employers liability insurance policy / Part One — Workers compensation insurance / Part Six — Conditions
- Workers compensation and employers liability insurance policy / Part One — Workers compensation insurance / Voluntary compensation endorsement
- Premium computation
- Premium computation / Job classification — payroll and rates
- Premium computation / Experience modification factor
- Premium computation / Premium discounts
- Other sources of coverages
- Other sources of coverages / Vermont workers' compensation administration fund
- Other sources of coverages / Self-insured employers and employer groups
Other Coverages and Options (7%)
- Umbrella/excess liability policies
- Umbrella/excess liability policies / Personal (DL 98 01)
- Umbrella/excess liability policies / Commercial (CU 00 01)
- Specialty liability insurance
- Specialty liability insurance / Cyber liability coverage
- Specialty liability insurance / Professional liability
- Specialty liability insurance / Errors and omissions
- Specialty liability insurance / Directors and officers liability
- Specialty liability insurance / Fiduciary liability
- Specialty liability insurance / Liquor liability
- Specialty liability insurance / Employment practices liability
- Surplus lines
- Surplus lines / Definitions and markets
- Surplus lines / Licensing requirements
- Surety bonds
- Surety bonds / Principal, obligee, surety
- Surety bonds / Contract bonds
- Surety bonds / License and permit bonds
- Surety bonds / Judicial bonds
- Ocean marine insurance
- Ocean marine insurance / Protection and indemnity
Examination sources
- Prometric: Vermont Producer's Examination for Casualty Insurance, Series 14-42
Page 1, examination-specific complete outline and weights
- Prometric: Vermont Producer's Examination for Casualty Insurance, Series 14-42
Page 1, official outline effective date
- Prometric: Vermont Producer's Examination for Casualty Insurance, Series 14-42
Page 1, scored and unscored question counts
- Vermont Licensing Information Bulletin
Page 13, Question Types
- Prometric: Vermont Producer's Examination for Casualty Insurance, Series 14-42
Page 1, series identifying a separately offered examination
- Vermont Licensing Information Bulletin
Page 28, examination registration instruction
Vermont Producer's Examination for Property Insurance
- Provider
- Prometric
- Format
- Four-option multiple-choice questions
- Exam questions
- 100 scored questions plus 5 unscored items
- Time limit
- 2 hours
Examination outline
Insurance Regulation (10%)
- Licensing
- Licensing / Process (4800; 4813f)
- Licensing / Types of licensees (4791)
- Licensing / Types of licensees (4791) / Resident (4800(3)(A))
- Licensing / Types of licensees (4791) / Nonresident (4800(3)(B); 4813h)
- Licensing / Types of licensees (4791) / Temporary (4800(3)(D)(ii); 4813k)
- Licensing / Maintenance and duration
- Licensing / Maintenance and duration / Renewal and expiration (4798)
- Licensing / Maintenance and duration / Address change (4800(3)(F))
- Licensing / Maintenance and duration / Assumed business name (4813j)
- Licensing / Maintenance and duration / Reporting of actions (4813o)
- Licensing / Maintenance and duration / Continuing education requirements (4800a; Reg 2000-2 Sec 4)
- Licensing / Disciplinary actions
- Licensing / Disciplinary actions / Denial of license (4800(3)(E))
- Licensing / Disciplinary actions / Cease and desist order (3661)
- Licensing / Disciplinary actions / Suspension, revocation or nonrenewal (4804; 4806)
- Licensing / Disciplinary actions / Penalties (3661(a)(2); 4804(d))
- State regulation
- State regulation / Commissioner's general duties and powers (4726; 4804)
- State regulation / Company regulation
- State regulation / Company regulation / Certificate of authority (3368)
- State regulation / Company regulation / Unfair claim settlement practices (4724(9); Reg 79-2 Sec 1–7)
- State regulation / Company regulation / Policy forms (3541)
- State regulation / Company regulation / Examination of records (3565)
- State regulation / Company regulation / Producer appointment (4798(c); 4813l)
- State regulation / Company regulation / Termination of appointment (4798(d); 4813m)
- State regulation / Producer regulation
- State regulation / Producer regulation / Acting without a license (4793; 4813c)
- State regulation / Producer regulation / Shared commissions (4796)
- State regulation / Producer regulation / Trust accounts — anti-commingling (Reg 95-1; 4724(12))
- State regulation / Producer regulation / Controlled business (4795)
- State regulation / Producer regulation / Duties (4813c)
- State regulation / Unfair trade practices (4724)
- State regulation / Unfair trade practices (4724) / Misrepresentation (4724(1, 11, 13))
- State regulation / Unfair trade practices (4724) / False advertising (4724(2))
- State regulation / Unfair trade practices (4724) / Defamation (4724(3))
- State regulation / Unfair trade practices (4724) / Boycott, coercion and intimidation (4724(4))
- State regulation / Unfair trade practices (4724) / False financial statements and entries (4724(5))
- State regulation / Unfair trade practices (4724) / Illegal inducement (4724(6))
- State regulation / Unfair trade practices (4724) / Unfair discrimination (4724(7))
- State regulation / Unfair trade practices (4724) / Rebating (4724(8))
- State regulation / Unfair trade practices (4724) / Failure to maintain complaint record (4724(10))
- State regulation / Unfair trade practices (4724) / Failure to act as fiduciary (4724(12); Reg 95-1)
- State regulation / Unfair trade practices (4724) / Unsuitability (4724(16))
- State regulation / Unfair trade practices (4724) / Nondisclosure of fees or charges (4724(14))
- State regulation / Consumer privacy regulation (IH-2001-01)
- Federal regulation
- Federal regulation / Fair Credit Reporting Act (15 USC 1681–1681d)
- Federal regulation / Fraud and false statements (18 USC 1033, 1034)
General Insurance (9%)
- Concepts
- Concepts / Risk management key terms
- Concepts / Risk management key terms / Risk
- Concepts / Risk management key terms / Exposure
- Concepts / Risk management key terms / Hazard
- Concepts / Risk management key terms / Peril
- Concepts / Risk management key terms / Loss
- Concepts / Methods of handling risk
- Concepts / Methods of handling risk / Avoidance
- Concepts / Methods of handling risk / Retention
- Concepts / Methods of handling risk / Sharing
- Concepts / Methods of handling risk / Reduction
- Concepts / Methods of handling risk / Transfer
- Concepts / Elements of insurable risks
- Concepts / Adverse selection
- Concepts / Law of large numbers
- Concepts / Reinsurance
- Insurers
- Insurers / Types of insurers
- Insurers / Types of insurers / Captive insurers
- Insurers / Types of insurers / Stock companies
- Insurers / Types of insurers / Mutual companies
- Insurers / Types of insurers / Fraternal benefit societies
- Insurers / Types of insurers / Lloyd's associations
- Insurers / Types of insurers / Risk retention groups
- Insurers / Private versus government insurers
- Insurers / Admitted versus nonadmitted insurers
- Insurers / Domestic, foreign and alien insurers
- Insurers / Financial status (independent rating services)
- Insurers / Marketing (distribution) systems
- Producers and general rules of agency
- Producers and general rules of agency / Insurer as principal
- Producers and general rules of agency / Producer/insurer relationship
- Producers and general rules of agency / Authority and powers of producers
- Producers and general rules of agency / Authority and powers of producers / Express
- Producers and general rules of agency / Authority and powers of producers / Implied
- Producers and general rules of agency / Authority and powers of producers / Apparent
- Contracts
- Contracts / Elements of a legal contract
- Contracts / Elements of a legal contract / Offer and acceptance
- Contracts / Elements of a legal contract / Consideration
- Contracts / Elements of a legal contract / Competent parties
- Contracts / Elements of a legal contract / Legal purpose
- Contracts / Distinct characteristics of an insurance contract
- Contracts / Distinct characteristics of an insurance contract / Contract of adhesion
- Contracts / Distinct characteristics of an insurance contract / Aleatory contract
- Contracts / Distinct characteristics of an insurance contract / Personal contract
- Contracts / Distinct characteristics of an insurance contract / Unilateral contract
- Contracts / Legal interpretations affecting contracts
- Contracts / Legal interpretations affecting contracts / Ambiguities in a contract of adhesion
- Contracts / Legal interpretations affecting contracts / Reasonable expectations
- Contracts / Legal interpretations affecting contracts / Indemnity
- Contracts / Legal interpretations affecting contracts / Utmost good faith
- Contracts / Legal interpretations affecting contracts / Representations/misrepresentations
- Contracts / Legal interpretations affecting contracts / Warranties
- Contracts / Legal interpretations affecting contracts / Concealment
- Contracts / Legal interpretations affecting contracts / Fraud
- Contracts / Legal interpretations affecting contracts / Waiver and estoppel
Property Insurance Basics (13%)
- Principles and concepts
- Principles and concepts / Insurable interest
- Principles and concepts / Underwriting
- Principles and concepts / Underwriting / Function
- Principles and concepts / Underwriting / Loss ratio
- Principles and concepts / Rates
- Principles and concepts / Rates / Types
- Principles and concepts / Rates / Loss costs
- Principles and concepts / Rates / Components
- Principles and concepts / Hazards
- Principles and concepts / Hazards / Physical
- Principles and concepts / Hazards / Moral
- Principles and concepts / Hazards / Morale
- Principles and concepts / Causes of loss (perils)
- Principles and concepts / Named perils versus special (open) perils
- Principles and concepts / Direct loss
- Principles and concepts / Consequential or indirect loss
- Principles and concepts / Blanket versus specific insurance
- Principles and concepts / Basic types of construction
- Principles and concepts / Loss valuation
- Principles and concepts / Loss valuation / Actual cash value
- Principles and concepts / Loss valuation / Replacement cost
- Principles and concepts / Loss valuation / Functional replacement cost
- Principles and concepts / Loss valuation / Market value
- Principles and concepts / Loss valuation / Agreed value
- Principles and concepts / Loss valuation / Stated amount
- Principles and concepts / Loss valuation / Valued policy
- Policy structure
- Policy structure / Declarations
- Policy structure / Definitions
- Policy structure / Insuring agreement or clause
- Policy structure / Additional/supplementary coverage
- Policy structure / Conditions
- Policy structure / Exclusions
- Policy structure / Endorsements
- Common policy provisions
- Common policy provisions / Insureds — named, first named, additional
- Common policy provisions / Policy period
- Common policy provisions / Policy territory
- Common policy provisions / Cancellation and nonrenewal
- Common policy provisions / Deductibles
- Common policy provisions / Other insurance
- Common policy provisions / Other insurance / Nonconcurrency
- Common policy provisions / Other insurance / Primary and excess
- Common policy provisions / Other insurance / Pro rata
- Common policy provisions / Policy limits
- Common policy provisions / Restoration/nonreduction of limits
- Common policy provisions / Coinsurance
- Common policy provisions / Vacancy or unoccupancy
- Common policy provisions / Named insured provisions
- Common policy provisions / Named insured provisions / Duties after loss
- Common policy provisions / Named insured provisions / Assignment
- Common policy provisions / Named insured provisions / Abandonment
- Common policy provisions / Insurer provisions
- Common policy provisions / Insurer provisions / Liberalization
- Common policy provisions / Insurer provisions / Subrogation
- Common policy provisions / Insurer provisions / Salvage
- Common policy provisions / Insurer provisions / Claim settlement options
- Common policy provisions / Third-party provisions
- Common policy provisions / Third-party provisions / Standard mortgage clause
- Common policy provisions / Third-party provisions / Loss payable clause
- Common policy provisions / Third-party provisions / No benefit to Bailee
- Vermont laws, regulations and required provisions
- Vermont laws, regulations and required provisions / Vermont Property and Casualty Insurance Guaranty Association (3611–3626)
- Vermont laws, regulations and required provisions / Renewal notice (3882; 4715)
- Vermont laws, regulations and required provisions / Cancellation and nonrenewal (3879–3881; 3883; 4711–4714)
- Vermont laws, regulations and required provisions / Consent to rate (4688(f); Reg I-2010-03)
- Vermont laws, regulations and required provisions / Loss payment (3868; Reg 79-2 Sec 6, 8)
- Vermont laws, regulations and required provisions / Discrimination (3861)
- Vermont laws, regulations and required provisions / Coinsurance (3961–3968)
- Vermont laws, regulations and required provisions / Federal Terrorism Insurance Program (Bul 142, 150; 15 USC 6701; Public Law 107–297, 109– 144, 110–160)
Dwelling Policy (7%)
- Characteristics and purpose
- Coverage forms — Perils insured against
- Coverage forms — Perils insured against / Basic
- Coverage forms — Perils insured against / Broad
- Coverage forms — Perils insured against / Special
- Property coverages
- Property coverages / Coverage A — Dwelling
- Property coverages / Coverage B — Other structures
- Property coverages / Coverage C — Personal property
- Property coverages / Coverage D — Fair rental value
- Property coverages / Coverage E — Additional living expense
- Property coverages / Other coverages
- General exclusions
- Conditions
- Selected endorsements
- Selected endorsements / Special provisions — Vermont (DP 01 44)
- Selected endorsements / Automatic increase in insurance (DP 04 11)
- Selected endorsements / Broad theft coverage (DP 04 72)
- Selected endorsements / Dwelling under construction (DP 11 43)
- Personal liability supplement
Homeowners Policy (22%)
- Coverage forms
- Coverage forms / HO-2 through HO-6
- Definitions
- Section I — Property coverages
- Section I — Property coverages / Coverage A — Dwelling
- Section I — Property coverages / Coverage B — Other structures
- Section I — Property coverages / Coverage C — Personal property
- Section I — Property coverages / Coverage D — Loss of use
- Section I — Property coverages / Additional coverages
- Perils insured against
- Exclusions
- Conditions
- Selected endorsements
- Selected endorsements / Special provisions — Vermont (HO 01 44)
- Selected endorsements / Limited fungi, wet or dry rot, or bacteria coverage — Vermont (HO 04 02)
- Selected endorsements / Permitted incidental occupancies (HO 04 42)
- Selected endorsements / Earthquake (HO 04 54)
- Selected endorsements / Scheduled personal property (HO 04 61)
- Selected endorsements / Personal property replacement cost (HO 04 90)
- Selected endorsements / Home day care — Vermont (HO 23 45)
Auto Insurance (7%)
- Laws
- Laws / Cancellation/nonrenewal
- Laws / Cancellation/nonrenewal / Grounds (4223)
- Laws / Cancellation/nonrenewal / Notice (4224–4226)
- Personal auto policy
- Personal auto policy / Definitions
- Personal auto policy / Coverage for damage to your auto
- Personal auto policy / Coverage for damage to your auto / Collision
- Personal auto policy / Coverage for damage to your auto / Other than collision
- Personal auto policy / Coverage for damage to your auto / Deductibles
- Personal auto policy / Coverage for damage to your auto / Transportation expense
- Personal auto policy / Coverage for damage to your auto / Exclusions
- Personal auto policy / Duties after an accident or loss
- Personal auto policy / General provisions
- Personal auto policy / Selected endorsements
- Personal auto policy / Selected endorsements / Amendment of policy provisions — Vermont (PP 01 72)
- Personal auto policy / Selected endorsements / Towing and labor costs (PP 03 03)
- Personal auto policy / Selected endorsements / Miscellaneous type vehicle (PP 03 23)
- Personal auto policy / Selected endorsements / Joint ownership coverage — Vermont (PP 03 80)
- Commercial auto
- Commercial auto / Commercial auto coverage forms
- Commercial auto / Commercial auto coverage forms / Business auto
- Commercial auto / Commercial auto coverage forms / Business auto physical damage
- Commercial auto / Commercial auto coverage forms / Truckers
- Commercial auto / Commercial auto coverage forms / Motor carrier
- Commercial auto / Coverage form sections
- Commercial auto / Coverage form sections / Covered autos
- Commercial auto / Coverage form sections / Physical damage coverage
- Commercial auto / Coverage form sections / Exclusions
- Commercial auto / Coverage form sections / Conditions
- Commercial auto / Coverage form sections / Definitions
- Commercial auto / Selected endorsements
- Commercial auto / Selected endorsements / Lessor — additional insured and loss payee (CA 20 01)
- Commercial auto / Selected endorsements / Mobile equipment (CA 20 15)
- Commercial auto / Selected endorsements / Individual named insured (CA 99 17)
Commercial Package Policy (CPP) (14%)
- Components of a commercial policy
- Components of a commercial policy / Common policy declarations
- Components of a commercial policy / Common policy conditions
- Components of a commercial policy / Interline endorsements
- Components of a commercial policy / One or more coverage parts
- Commercial property
- Commercial property / Commercial property conditions form
- Commercial property / Coverage forms
- Commercial property / Coverage forms / Building and personal property
- Commercial property / Coverage forms / Condominium association
- Commercial property / Coverage forms / Condominium commercial unit-owners
- Commercial property / Coverage forms / Builders risk
- Commercial property / Coverage forms / Business income
- Commercial property / Coverage forms / Legal liability
- Commercial property / Coverage forms / Extra expense
- Commercial property / Causes of loss forms
- Commercial property / Causes of loss forms / Basic
- Commercial property / Causes of loss forms / Broad
- Commercial property / Causes of loss forms / Special
- Commercial property / Selected endorsements
- Commercial property / Selected endorsements / Ordinance or law (CP 04 05)
- Commercial property / Selected endorsements / Spoilage (CP 04 40)
- Commercial property / Selected endorsements / Peak season limit of insurance (CP 12 30)
- Commercial property / Selected endorsements / Value reporting form (CP 13 10)
- Commercial inland marine
- Commercial inland marine / Commercial inland marine conditions form
- Commercial inland marine / Inland marine coverage forms
- Commercial inland marine / Inland marine coverage forms / Accounts receivable
- Commercial inland marine / Inland marine coverage forms / Bailee's customers
- Commercial inland marine / Inland marine coverage forms / Commercial articles
- Commercial inland marine / Inland marine coverage forms / Contractors equipment floater
- Commercial inland marine / Inland marine coverage forms / Electronic data processing
- Commercial inland marine / Inland marine coverage forms / Equipment dealers
- Commercial inland marine / Inland marine coverage forms / Installation floater
- Commercial inland marine / Inland marine coverage forms / Jewelers block
- Commercial inland marine / Inland marine coverage forms / Signs
- Commercial inland marine / Inland marine coverage forms / Valuable papers and records
- Commercial inland marine / Transportation coverages
- Commercial inland marine / Transportation coverages / Common carrier cargo liability
- Commercial inland marine / Transportation coverages / Motor truck cargo forms
- Commercial inland marine / Transportation coverages / Transit coverage forms
- Equipment breakdown
- Equipment breakdown / Equipment breakdown protection coverage form (EB 00 20)
- Equipment breakdown / Selected endorsement
- Equipment breakdown / Selected endorsement / Actual cash value (EB 99 59)
- Farm coverage
- Farm coverage / Farm property coverage forms
- Farm coverage / Farm property coverage forms / Coverage A — Dwellings
- Farm coverage / Farm property coverage forms / Coverage B — Other private structures
- Farm coverage / Farm property coverage forms / Coverage C — Household personal property
- Farm coverage / Farm property coverage forms / Coverage D — Loss of use
- Farm coverage / Farm property coverage forms / Coverage E — Scheduled farm personal property
- Farm coverage / Farm property coverage forms / Coverage F — Unscheduled farm personal property
- Farm coverage / Farm property coverage forms / Coverage G — Other farm structures
- Farm coverage / Mobile agricultural machinery and equipment coverage form
- Farm coverage / Livestock coverage form
- Farm coverage / Definitions
- Farm coverage / Cause of loss (basic, broad and special)
- Farm coverage / Conditions
- Farm coverage / Exclusions
- Farm coverage / Limits
- Farm coverage / Additional coverages
Businessowners Policy (13%)
- Characteristics and purpose
- Businessowners Section I — Property
- Businessowners Section I — Property / Coverage
- Businessowners Section I — Property / Exclusions
- Businessowners Section I — Property / Limits
- 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)
Other Coverages and Options (5%)
- Ocean marine insurance
- Ocean marine insurance / Hull insurance
- Ocean marine insurance / Cargo insurance
- Ocean marine insurance / Freight insurance
- National Flood Insurance Program
- National Flood Insurance Program / "Write your own" versus government
- National Flood Insurance Program / Eligibility
- National Flood Insurance Program / Coverage
- National Flood Insurance Program / Limits
- National Flood Insurance Program / Deductibles
Examination sources
- 14-41 — official Vermont licensing material
page 1, outline effective date
- 14-41 — official Vermont licensing material
page 1, Your Exam Content Outline, content and percentages
- 14-41 — official Vermont licensing material
page 1, scored and unscored question counts
- Vermont Licensing Information Bulletin, effective March 18, 2026
page 13, Question Types
- 8 V.S.A. Chapter 131
8 V.S.A. § 4800(3)(D)(vii), grade requirement
- 14-41 — official Vermont licensing material
page 1, examination series
- Vermont Licensing Information Bulletin, effective March 18, 2026
page 28, examination registration table, series 14-41
- Vermont Licensing Information Bulletin, effective March 18, 2026
page 2, Licensing Process, resident applicants
Vermont Producer's Examination for Personal Lines Insurance
- Provider
- Prometric
- Format
- Computer-administered four-option multiple-choice examination
- Exam questions
- 100 scored questions plus 5 unscored items
- Time limit
- 2 hours
Examination outline
Insurance Regulation (8%)
- Licensing
- Licensing / Process (4800; 4813f)
- Licensing / Types of licensees (4791)
- Licensing / Types of licensees (4791) / Resident (4800(3)(A))
- Licensing / Types of licensees (4791) / Nonresident (4800(3)(B); 4813h)
- Licensing / Maintenance and duration
- Licensing / Maintenance and duration / Renewal and expiration (4798)
- Licensing / Maintenance and duration / Address change (4800(3)(F))
- Licensing / Maintenance and duration / Assumed business name (4813j)
- Licensing / Maintenance and duration / Reporting of actions (4813o)
- Licensing / Maintenance and duration / Continuing education requirements (4800a; Reg 2000-2 Sec 4)
- Licensing / Disciplinary actions
- Licensing / Disciplinary actions / Denial of license (4800(3)(E))
- Licensing / Disciplinary actions / Cease and desist order (3661)
- Licensing / Disciplinary actions / Suspension, revocation or nonrenewal (4804; 4806)
- Licensing / Disciplinary actions / Penalties (3661(a)(2); 4804(d))
- State regulation
- State regulation / Commissioner's general duties and powers (4726; 4804)
- State regulation / Company regulation
- State regulation / Company regulation / Certificate of authority (3368)
- State regulation / Company regulation / Unfair claim settlement practices (4724(9); Reg 79-2 Sec 1–7)
- State regulation / Company regulation / Policy forms (3541)
- State regulation / Company regulation / Examination of records (3565)
- State regulation / Company regulation / Producer appointment (4798(d); 4813l)
- State regulation / Company regulation / Termination of appointment (4798(d); 4813m)
- State regulation / Producer regulation
- State regulation / Producer regulation / Acting without a license (4793; 4813c)
- State regulation / Producer regulation / Shared commissions (4796)
- State regulation / Producer regulation / Trust accounts — anti-commingling (Reg 95-1; 4724(12))
- State regulation / Producer regulation / Controlled business (4795)
- State regulation / Producer regulation / Duties (4813c)
- State regulation / Unfair trade practices (4724)
- State regulation / Unfair trade practices (4724) / Misrepresentation (4724(1, 11, 13))
- State regulation / Unfair trade practices (4724) / False advertising (4724(2))
- State regulation / Unfair trade practices (4724) / Defamation (4724(3))
- State regulation / Unfair trade practices (4724) / Boycott, coercion and intimidation (4724(4))
- State regulation / Unfair trade practices (4724) / False financial statements and entries (4724(5))
- State regulation / Unfair trade practices (4724) / Illegal inducement (4724(6))
- State regulation / Unfair trade practices (4724) / Unfair discrimination (4724(7))
- State regulation / Unfair trade practices (4724) / Rebating (4724(8))
- State regulation / Unfair trade practices (4724) / Failure to maintain complaint record (4724(10))
- State regulation / Unfair trade practices (4724) / Failure to act as fiduciary (4724(12); Reg 95-1)
- State regulation / Unfair trade practices (4724) / Unsuitability (4724(16))
- State regulation / Unfair trade practices (4724) / Nondisclosure of fees or charges (4724(14))
- State regulation / Consumer privacy regulation (IH-2001-01)
- Federal regulation
- Federal regulation / Fair Credit Reporting Act (15 USC 1681–1681d)
- Federal regulation / Fraud and false statements (18 USC 1033, 1034)
General Insurance (7%)
- Concepts
- Concepts / Risk management key terms
- Concepts / Risk management key terms / Risk
- Concepts / Risk management key terms / Exposure
- Concepts / Risk management key terms / Hazard
- Concepts / Risk management key terms / Peril
- Concepts / Risk management key terms / Loss
- Concepts / Methods of handling risk
- Concepts / Methods of handling risk / Avoidance
- Concepts / Methods of handling risk / Retention
- Concepts / Methods of handling risk / Sharing
- Concepts / Methods of handling risk / Reduction
- Concepts / Methods of handling risk / Transfer
- Concepts / Elements of insurable risks
- Concepts / Adverse selection
- Concepts / Law of large numbers
- Concepts / Reinsurance
- Insurers
- Insurers / Types of insurers
- Insurers / Types of insurers / Captive insurers
- Insurers / Types of insurers / Stock companies
- Insurers / Types of insurers / Mutual companies
- Insurers / Types of insurers / Fraternal benefit societies
- Insurers / Types of insurers / Lloyd's associations
- Insurers / Types of insurers / Risk retention groups
- Insurers / Private versus government insurers
- Insurers / Admitted versus nonadmitted insurers
- Insurers / Domestic, foreign and alien insurers
- Insurers / Financial status (independent rating services)
- Insurers / Marketing (distribution) systems
- Producers and general rules of agency
- Producers and general rules of agency / Insurer as principal
- Producers and general rules of agency / Producer/insurer relationship
- Producers and general rules of agency / Authority and powers of producers
- Producers and general rules of agency / Authority and powers of producers / Express
- Producers and general rules of agency / Authority and powers of producers / Implied
- Producers and general rules of agency / Authority and powers of producers / Apparent
- Contracts
- Contracts / Elements of a legal contract
- Contracts / Elements of a legal contract / Offer and acceptance
- Contracts / Elements of a legal contract / Consideration
- Contracts / Elements of a legal contract / Competent parties
- Contracts / Elements of a legal contract / Legal purpose
- Contracts / Distinct characteristics of an insurance contract
- Contracts / Distinct characteristics of an insurance contract / Contract of adhesion
- Contracts / Distinct characteristics of an insurance contract / Aleatory contract
- Contracts / Distinct characteristics of an insurance contract / Personal contract
- Contracts / Distinct characteristics of an insurance contract / Unilateral contract
- Contracts / Legal interpretations affecting contracts
- Contracts / Legal interpretations affecting contracts / Ambiguities in a contract of adhesion
- Contracts / Legal interpretations affecting contracts / Reasonable expectations
- Contracts / Legal interpretations affecting contracts / Indemnity
- Contracts / Legal interpretations affecting contracts / Utmost good faith
- Contracts / Legal interpretations affecting contracts / Representations/misrepresentations
- Contracts / Legal interpretations affecting contracts / Warranties
- Contracts / Legal interpretations affecting contracts / Concealment
- Contracts / Legal interpretations affecting contracts / Fraud
- Contracts / Legal interpretations affecting contracts / Waiver and estoppel
Property and Casualty Insurance Basics (15%)
- Principles and concepts
- Principles and concepts / Insurable interest
- Principles and concepts / Underwriting
- Principles and concepts / Underwriting / Function
- Principles and concepts / Underwriting / Loss ratio
- Principles and concepts / Rates
- Principles and concepts / Rates / Types
- Principles and concepts / Rates / Loss costs
- Principles and concepts / Rates / Components
- Principles and concepts / Hazards
- Principles and concepts / Hazards / Physical
- Principles and concepts / Hazards / Moral
- Principles and concepts / Hazards / Morale
- Principles and concepts / Negligence
- Principles and concepts / Negligence / Elements of a negligent act
- Principles and concepts / Negligence / Defenses against negligence
- Principles and concepts / Damages
- Principles and concepts / Damages / Compensatory — special versus general
- Principles and concepts / Damages / Punitive
- Principles and concepts / Absolute liability
- Principles and concepts / Strict liability
- Principles and concepts / Vicarious liability
- Principles and concepts / Causes of loss (perils)
- Principles and concepts / Named perils versus special (open) perils
- Principles and concepts / Direct loss
- Principles and concepts / Consequential or indirect loss
- Principles and concepts / Blanket versus specific insurance
- Principles and concepts / Basic types of construction
- Principles and concepts / Loss valuation
- Principles and concepts / Loss valuation / Actual cash value
- Principles and concepts / Loss valuation / Replacement cost
- Principles and concepts / Loss valuation / Functional replacement cost
- Principles and concepts / Loss valuation / Market value
- Principles and concepts / Loss valuation / Agreed value
- Principles and concepts / Loss valuation / Stated amount
- Principles and concepts / Loss valuation / Valued policy
- Policy structure
- Policy structure / Declarations
- Policy structure / Definitions
- Policy structure / Insuring agreement or clause
- Policy structure / Additional/supplementary coverage
- Policy structure / Conditions
- Policy structure / Exclusions
- Policy structure / Endorsements
- Common policy provisions
- Common policy provisions / Insureds — named, first named, additional
- Common policy provisions / Policy period
- Common policy provisions / Policy territory
- Common policy provisions / Cancellation and nonrenewal
- Common policy provisions / Deductibles
- Common policy provisions / Other insurance
- Common policy provisions / Other insurance / Nonconcurrency
- Common policy provisions / Other insurance / Primary and excess
- Common policy provisions / Other insurance / Pro rata
- Common policy provisions / Limits of liability
- Common policy provisions / Limits of liability / Per occurrence (accident)
- Common policy provisions / Limits of liability / Per person
- Common policy provisions / Limits of liability / Split
- Common policy provisions / Limits of liability / Combined single
- Common policy provisions / Restoration/nonreduction of limits
- Common policy provisions / Coinsurance
- Common policy provisions / Vacancy or unoccupancy
- Common policy provisions / Named insured provisions
- Common policy provisions / Named insured provisions / Duties after loss
- Common policy provisions / Named insured provisions / Assignment
- Common policy provisions / Named insured provisions / Abandonment
- Common policy provisions / Insurer provisions
- Common policy provisions / Insurer provisions / Liberalization
- Common policy provisions / Insurer provisions / Subrogation
- Common policy provisions / Insurer provisions / Salvage
- Common policy provisions / Insurer provisions / Claim settlement options
- Common policy provisions / Insurer provisions / Duty to defend
- Common policy provisions / Third-party provisions
- Common policy provisions / Third-party provisions / Standard mortgage clause
- Common policy provisions / Third-party provisions / Loss payable clause
- Common policy provisions / Third-party provisions / No benefit to Bailee
- Vermont laws, regulations and required provisions
- Vermont laws, regulations and required provisions / Vermont Property and Casualty Insurance Guaranty Association (3611–3626)
- Vermont laws, regulations and required provisions / Renewal notice (3882)
- Vermont laws, regulations and required provisions / Cancellation and nonrenewal (3879–3881; 3883)
- Vermont laws, regulations and required provisions / Consent to rate (4688(f); Reg I-2010-03))
- Vermont laws, regulations and required provisions / Loss payment (3868; Reg 79-2 Sec 6, 8)
- Vermont laws, regulations and required provisions / Discrimination (3861)
- Vermont laws, regulations and required provisions / Coinsurance (3961–3968)
- Vermont laws, regulations and required provisions / Required provisions (4203)
Dwelling Policy (5%)
- Characteristics and purpose
- Coverage forms — Perils insured against
- Coverage forms — Perils insured against / Basic
- Coverage forms — Perils insured against / Broad
- Coverage forms — Perils insured against / Special
- Property coverages
- Property coverages / Coverage A — Dwelling
- Property coverages / Coverage B — Other structures
- Property coverages / Coverage C — Personal property
- Property coverages / Coverage D — Fair rental value
- Property coverages / Coverage E — Additional living expense
- Property coverages / Other coverages
- General exclusions
- Conditions
- Selected endorsements
- Selected endorsements / Special provisions — Vermont (DP 01 44)
- Selected endorsements / Automatic increase in insurance (DP 04 11)
- Selected endorsements / Broad theft coverage (DP 04 72)
- Selected endorsements / Dwelling under construction (DP 11 43)
- Personal liability supplement
Homeowners Policy (25%)
- Coverage forms
- Coverage forms / HO-2 through HO-6
- Definitions
- Section I — Property coverages
- Section I — Property coverages / Coverage A — Dwelling
- Section I — Property coverages / Coverage B — Other structures
- Section I — Property coverages / Coverage C — Personal property
- Section I — Property coverages / Coverage D — Loss of use
- Section I — Property coverages / Additional coverages
- Section II — Liability coverages
- Section II — Liability coverages / Coverage E — Personal liability
- Section II — Liability coverages / Coverage F — Medical payments to others
- Section II — Liability coverages / Additional coverages
- Perils insured against
- Exclusions
- Conditions
- Selected endorsements
- Selected endorsements / Special provisions — Vermont (HO 01 44)
- Selected endorsements / Limited fungi, wet or dry rot, or bacteria coverage — Vermont (HO 04 02)
- Selected endorsements / Permitted incidental occupancies (HO 04 42)
- Selected endorsements / Earthquake (HO 04 54)
- Selected endorsements / Scheduled personal property (HO 04 61)
- Selected endorsements / Personal property replacement cost (HO 04 90)
- Selected endorsements / Home day care — Vermont (HO 23 45)
- Selected endorsements / Business pursuits (HO 24 71)
- Selected endorsements / Watercraft (HO 24 75)
- Selected endorsements / Personal injury (HO 24 82)
Auto Insurance (28%)
- Laws
- Laws / Vermont Motor Vehicle Financial Responsibility and Insurance Laws (Title 23 Sec 800–943)
- Laws / Vermont Motor Vehicle Financial Responsibility and Insurance Laws (Title 23 Sec 800–943) / Required limits of liability (Title 23 Sec 801)
- Laws / Vermont Motor Vehicle Financial Responsibility and Insurance Laws (Title 23 Sec 800–943) / Required proof of insurance (Bul 77)
- Laws / Vermont Automobile Insurance Plan (4241–4246)
- Laws / Vermont Automobile Insurance Plan (4241–4246) / Eligibility
- Laws / Vermont Automobile Insurance Plan (4241–4246) / Liability limitations
- Laws / Vermont Automobile Insurance Plan (4241–4246) / Physical damage coverage limitations
- Laws / Uninsured/underinsured motorist (Title 23 Sec 941)
- Laws / Uninsured/underinsured motorist (Title 23 Sec 941) / Definitions
- Laws / Uninsured/underinsured motorist (Title 23 Sec 941) / Required limits of liability
- Laws / Uninsured/underinsured motorist (Title 23 Sec 941) / Bodily injury
- Laws / Uninsured/underinsured motorist (Title 23 Sec 941) / Property damage
- Laws / Cancellation/nonrenewal
- Laws / Cancellation/nonrenewal / Grounds (4223)
- Laws / Cancellation/nonrenewal / Notice (4224–4226)
- Laws / Cancellation/nonrenewal / Notice of eligibility in assigned risk plan (4227)
- Laws / Binders (Title 23 Sec 942)
- Laws / Surcharges (4671–4675)
- Personal auto policy
- Personal auto policy / Definitions
- Personal auto policy / Liability coverage
- Personal auto policy / Liability coverage / Bodily injury and property damage
- Personal auto policy / Liability coverage / Supplementary payments
- Personal auto policy / Liability coverage / Exclusions
- Personal auto policy / Medical payments
- Personal auto policy / Uninsured motorist/underinsured motorist coverage
- Personal auto policy / Coverage for damage to your auto
- Personal auto policy / Coverage for damage to your auto / Collision
- Personal auto policy / Coverage for damage to your auto / Other than collision
- Personal auto policy / Coverage for damage to your auto / Deductibles
- Personal auto policy / Coverage for damage to your auto / Transportation expense
- Personal auto policy / Coverage for damage to your auto / Exclusions
- Personal auto policy / Duties after an accident or loss
- Personal auto policy / General provisions
- Personal auto policy / Selected endorsements
- Personal auto policy / Selected endorsements / Amendment of policy provisions — Vermont (PP 01 72)
- Personal auto policy / Selected endorsements / Towing and labor costs (PP 03 03)
- Personal auto policy / Selected endorsements / Extended non-owned coverage (PP 03 06)
- Personal auto policy / Selected endorsements / Miscellaneous type vehicle (PP 03 23)
- Personal auto policy / Selected endorsements / Joint ownership coverage — Vermont (PP 03 80)
Farm Coverage (2%)
- Farm property coverage forms
- Farm property coverage forms / Coverage A — Dwellings
- Farm property coverage forms / Coverage B — Other private structures
- Farm property coverage forms / Coverage C — Household personal property
- Farm property coverage forms / Coverage D — Loss of use
- Farm property coverage forms / Coverage E — Scheduled farm personal property
- Farm property coverage forms / Coverage F — Unscheduled farm personal property
- Farm property coverage forms / Coverage G — Other farm structures
- Farm property coverage forms / Mobile agricultural machinery and equipment coverage form
- Farm property coverage forms / Livestock coverage form
- Farm liability coverage forms
- Farm liability coverage forms / Coverage H — Bodily injury and property damage liability
- Farm liability coverage forms / Coverage I — Personal and advertising injury liability
- Farm liability coverage forms / Coverage J — Medical payments
- Cause of loss (basic, broad and special)
- Exclusions
- Other provisions
- Other provisions / Additional coverages
- Other provisions / Conditions
- Other provisions / Definitions
- Other provisions / Limits
Other Coverages and Options (10%)
- Personal umbrella policy (DL 98 01)
- National Flood Insurance Program
- National Flood Insurance Program / "Write your own" versus government
- National Flood Insurance Program / Eligibility
- National Flood Insurance Program / Coverage
- National Flood Insurance Program / Limits
- National Flood Insurance Program / Deductibles
- Other policies
- Other policies / Boatowners
Examination sources
- Prometric Vermont Series 14-39 Content Outline
Page 1 — Your Exam Content Outline, scope and weights
- Prometric Vermont Series 14-39 Content Outline
Page 1 — effective date
- Prometric Vermont Series 14-39 Content Outline
Page 1, section 1.0
- Prometric Vermont Series 14-39 Content Outline
Page 1, section 2.0
- Prometric Vermont Series 14-39 Content Outline
Page 2, section 3.0
- Prometric Vermont Series 14-39 Content Outline
Page 2, section 3.0 allocation
- Prometric Vermont Series 14-39 Content Outline
Page 3, section 4.0
- Prometric Vermont Series 14-39 Content Outline
Page 3, section 5.0
- Prometric Vermont Series 14-39 Content Outline
Page 3, section 6.0
- Prometric Vermont Series 14-39 Content Outline
Page 3, section 7.0
- Prometric Vermont Series 14-39 Content Outline
Page 4, section 8.0
- Prometric Vermont Series 14-39 Content Outline
Page 1 — question count
- Vermont Licensing Information Bulletin
Page 13 — Question Types
- Vermont Licensing Information Bulletin
Page 14 — Experimental Questions
- 8 V.S.A. Chapter 131 — Licensing Requirements
8 V.S.A. § 4800 (3)(D)(vii), grading
- Vermont Licensing Information Bulletin
Page 28 — Exam Registration Form, Personal Lines row
- Prometric Vermont Series 14-39 Content Outline
Page 1 — examination heading, series
- Prometric Vermont Series 14-39 Content Outline
Page 1 — examination heading, first line
- Prometric Vermont Series 14-39 Content Outline
Page 1 — examination heading, second line
- Vermont Licensing Information Bulletin
Page 2 — Department examination administration