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Washington Property & Casualty Insurance — Requirements & Free Practice

US-WA · License preparation

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Insurance Producer License — Property and Casualty (Individual)

Full-line or restricted producer authority for property and casualty. Resident and nonresident issuance and subsequent renewal or restoration are distinguished by applicant conditions.

Licensing authority: Washington Office of the Insurance Commissioner · Application information

Reissue after voluntary cancellation
No examination is required for this applicant pathway.
Age
At least eighteen years old under RCW 48.17.090(2)(a).
Applicant
Individual applicant
Application
Submit the uniform application, required fees and truthful disclosures.
Continuing Education
Resident individual licensees must complete 24 approved CE hours, including three ethics hours, during the applicable 24-month period; statutory and rule waivers may apply.
Eligibility
No act constituting grounds for denial, suspension or revocation under RCW 48.17.530.
Fingerprints
Resident individual applicants submit electronic fingerprints for a state and national criminal background check after applying.
Line Of Authority
Property and Casualty
Prelicensing Education
Not required effective July 23, 2023 according to OIC and the current RCW 48.17.090 qualifications.
Renewal Cycle
The original renewal cycle continues.
Timing
Request before the original renewal date: application and applicable fee. After that date: late-renewal or reinstatement conditions; no reissue beyond twelve months after the original renewal date.

Official no-examination sources

Effective from 2026-09-22.

Late renewal within sixty days
No examination is required for this applicant pathway.
Age
At least eighteen years old under RCW 48.17.090(2)(a).
Applicant
Individual applicant
Application
Submit the uniform application, required fees and truthful disclosures.
Continuing Education
Resident individual licensees must complete 24 approved CE hours, including three ethics hours, during the applicable 24-month period; statutory and rule waivers may apply.
Eligibility
No act constituting grounds for denial, suspension or revocation under RCW 48.17.530.
Fingerprints
Resident individual applicants submit electronic fingerprints for a state and national criminal background check after applying.
Line Of Authority
Property and Casualty
Prelicensing Education
Not required effective July 23, 2023 according to OIC and the current RCW 48.17.090 qualifications.
Surcharge
50 percent of renewal fee in first thirty days, 100 percent in days 31–60.
Timing
Within sixty days after expiration; do not transact until renewed.

Official no-examination sources

Effective from 2026-09-22.

Renewal or restoration with military / medical waiver
No examination is required for this applicant pathway.
Age
At least eighteen years old under RCW 48.17.090(2)(a).
Applicant
Individual applicant
Application
Submit the uniform application, required fees and truthful disclosures.
Continuing Education
Resident individual licensees must complete 24 approved CE hours, including three ethics hours, during the applicable 24-month period; statutory and rule waivers may apply.
Documentation
CE waivers require timely detailed requests, medical provider documentation or military mobilization documentation; valid only for the associated license continuation period.
Eligibility
No act constituting grounds for denial, suspension or revocation under RCW 48.17.530.
Fingerprints
Resident individual applicants submit electronic fingerprints for a state and national criminal background check after applying.
Line Of Authority
Property and Casualty
Prelicensing Education
Not required effective July 23, 2023 according to OIC and the current RCW 48.17.090 qualifications.
Waiver
Request a waiver for military service or another extenuating circumstance such as long-term medical disability; the commissioner decides whether to waive renewal procedures, an examination requirement or sanctions.

Official no-examination sources

Effective from 2026-09-22.

Resident relicensure after more than twelve months

At least one of the following alternatives:

Age
At least eighteen years old under RCW 48.17.090(2)(a).
Applicant
Individual applicant
Application
Submit the uniform application, required fees and truthful disclosures.
Bulletin Instruction
PSI bulletin revised August 3, 2026, page 1 states: "Pre-license education is required to take the examinations for a full-line license." This conflicts with current OIC requirements; the current statute and implementing OIC statement govern.
Continuing Education
Resident individual licensees must complete 24 approved CE hours, including three ethics hours, during the applicable 24-month period; statutory and rule waivers may apply.
Eligibility
No act constituting grounds for denial, suspension or revocation under RCW 48.17.530.
Fingerprints
New fingerprints required for individual residents unless another license is active or was held during the preceding year; nonresident reciprocity remains applicable.
Line Of Authority
Property and Casualty
Prelicensing Education
Not required effective July 23, 2023 according to OIC and the current RCW 48.17.090 qualifications.
Prior License
License inactive for more than twelve months; apply as a new applicant.
Score Window
All application requirements must be submitted within 180 days of passing the examination, or it must be retaken.
Nonresident reciprocal licensure
No examination is required for this applicant pathway.
Age
At least eighteen years old under RCW 48.17.090(2)(a).
Applicant
Individual applicant
Application
Submit the uniform application and fees; entity applicants designate a licensed responsible producer.
Continuing Education
Resident individual licensees must complete 24 approved CE hours, including three ethics hours, during the applicable 24-month period; statutory and rule waivers may apply.
Eligibility
No act constituting grounds for denial, suspension or revocation under RCW 48.17.530.
Examination Exemption
Washington examination requirements are waived under RCW 48.17.173(4) and WAC 284-17-122.
Fingerprints
No fingerprint requirement for nonresident individual producer applicants.
Line Of Authority
Property and Casualty
Prelicensing Education
Not required effective July 23, 2023 according to OIC and the current RCW 48.17.090 qualifications.
Reciprocity
Home state grants Washington residents nonresident producer licenses on the same basis.
Residency
Not a Washington resident; maintain a corresponding resident home-state license in good standing.

Official no-examination sources

Effective from 2026-09-22.

Reinstatement within twelve months
No examination is required for this applicant pathway.
Age
At least eighteen years old under RCW 48.17.090(2)(a).
Applicant
Individual applicant
Application
Submit reinstatement application, required fee and 200 percent surcharge; satisfy applicable CE and restore affiliations and appointments after activation.
Continuing Education
Resident individual licensees must complete 24 approved CE hours, including three ethics hours, during the applicable 24-month period; statutory and rule waivers may apply.
Eligibility
No act constituting grounds for denial, suspension or revocation under RCW 48.17.530.
Fingerprints
Resident individual applicants submit electronic fingerprints for a state and national criminal background check after applying.
Line Of Authority
Property and Casualty
Prelicensing Education
Not required effective July 23, 2023 according to OIC and the current RCW 48.17.090 qualifications.
Timing
More than sixty days and no more than twelve months after expiration or cancellation, whichever is earlier.

Official no-examination sources

Effective from 2026-09-22.

On time renewal
No examination is required for this applicant pathway.
Age
At least eighteen years old under RCW 48.17.090(2)(a).
Applicant
Individual applicant
Application
Submit the uniform application, required fees and truthful disclosures.
Continuing Education
Resident individual licensees must complete 24 approved CE hours, including three ethics hours, during the applicable 24-month period; statutory and rule waivers may apply.
Eligibility
No act constituting grounds for denial, suspension or revocation under RCW 48.17.530.
Fingerprints
Resident individual applicants submit electronic fingerprints for a state and national criminal background check after applying.
Line Of Authority
Property and Casualty
Prelicensing Education
Not required effective July 23, 2023 according to OIC and the current RCW 48.17.090 qualifications.
Timing
Apply up to 90 days before expiration; pay the renewal fee by expiration.

Official no-examination sources

Effective from 2026-09-22.

Resident addition of line of authority

At least one of the following alternatives:

Age
At least eighteen years old under RCW 48.17.090(2)(a).
Applicant
Individual applicant
Application
Use Add Other Line(s) and attach the applicable exam score sheets. No fee to add full lines.
Bulletin Instruction
PSI bulletin revised August 3, 2026, page 1 states: "Pre-license education is required to take the examinations for a full-line license." This conflicts with current OIC requirements; the current statute and implementing OIC statement govern.
Continuing Education
Resident individual licensees must complete 24 approved CE hours, including three ethics hours, during the applicable 24-month period; statutory and rule waivers may apply.
Eligibility
No act constituting grounds for denial, suspension or revocation under RCW 48.17.530.
Existing License
An active insurance producer license; renew first if within 90 days before or 60 days after expiration.
Fingerprints
Resident individual applicants submit electronic fingerprints for a state and national criminal background check after applying.
Line Of Authority
Property and Casualty
Prelicensing Education
Not required effective July 23, 2023 according to OIC and the current RCW 48.17.090 qualifications.
Requested Authority
Property and Casualty
Score Window
All application requirements must be submitted within 180 days of passing the examination, or it must be retaken.
Resident initial issuance by examination

At least one of the following alternatives:

Age
At least eighteen years old under RCW 48.17.090(2)(a).
Applicant
Individual applicant
Application
Submit the uniform application, required fees and truthful disclosures.
Bulletin Instruction
PSI bulletin revised August 3, 2026, page 1 states: "Pre-license education is required to take the examinations for a full-line license." This conflicts with current OIC requirements; the current statute and implementing OIC statement govern.
Continuing Education
Resident individual licensees must complete 24 approved CE hours, including three ethics hours, during the applicable 24-month period; statutory and rule waivers may apply.
Eligibility
No act constituting grounds for denial, suspension or revocation under RCW 48.17.530.
Fingerprints
Resident individual applicants submit electronic fingerprints for a state and national criminal background check after applying.
Line Of Authority
Property and Casualty
Prelicensing Education
Not required effective July 23, 2023 according to OIC and the current RCW 48.17.090 qualifications.
Requested Authority
Both property and casualty
Residency
Washington resident
Score Window
All application requirements must be submitted within 180 days of passing the examination, or it must be retaken.
Resident initial issuance by examination
Washington Casualty Producer Examination
Age
At least eighteen years old under RCW 48.17.090(2)(a).
Applicant
Individual applicant
Application
Submit the uniform application, required fees and truthful disclosures.
Bulletin Instruction
PSI bulletin revised August 3, 2026, page 1 states: "Pre-license education is required to take the examinations for a full-line license." This conflicts with current OIC requirements; the current statute and implementing OIC statement govern.
Continuing Education
Resident individual licensees must complete 24 approved CE hours, including three ethics hours, during the applicable 24-month period; statutory and rule waivers may apply.
Eligibility
No act constituting grounds for denial, suspension or revocation under RCW 48.17.530.
Fingerprints
Resident individual applicants submit electronic fingerprints for a state and national criminal background check after applying.
Line Of Authority
Property and Casualty
Prelicensing Education
Not required effective July 23, 2023 according to OIC and the current RCW 48.17.090 qualifications.
Requested Authority
Casualty only
Residency
Washington resident
Score Window
All application requirements must be submitted within 180 days of passing the examination, or it must be retaken.
Resident initial issuance by examination
Washington Property Producer (practice unavailable)
Age
At least eighteen years old under RCW 48.17.090(2)(a).
Applicant
Individual applicant
Application
Submit the uniform application, required fees and truthful disclosures.
Bulletin Instruction
PSI bulletin revised August 3, 2026, page 1 states: "Pre-license education is required to take the examinations for a full-line license." This conflicts with current OIC requirements; the current statute and implementing OIC statement govern.
Continuing Education
Resident individual licensees must complete 24 approved CE hours, including three ethics hours, during the applicable 24-month period; statutory and rule waivers may apply.
Eligibility
No act constituting grounds for denial, suspension or revocation under RCW 48.17.530.
Fingerprints
Resident individual applicants submit electronic fingerprints for a state and national criminal background check after applying.
Line Of Authority
Property and Casualty
Prelicensing Education
Not required effective July 23, 2023 according to OIC and the current RCW 48.17.090 qualifications.
Requested Authority
Property only
Residency
Washington resident
Score Window
All application requirements must be submitted within 180 days of passing the examination, or it must be retaken.
Resident upgrade from personal lines to property and casualty

At least one of the following alternatives:

Age
At least eighteen years old under RCW 48.17.090(2)(a).
Applicant
Individual applicant
Application
Submit the uniform application, required fees and truthful disclosures.
Bulletin Instruction
PSI bulletin revised August 3, 2026, page 1 states: "Pre-license education is required to take the examinations for a full-line license." This conflicts with current OIC requirements; the current statute and implementing OIC statement govern.
Continuing Education
Resident individual licensees must complete 24 approved CE hours, including three ethics hours, during the applicable 24-month period; statutory and rule waivers may apply.
Eligibility
No act constituting grounds for denial, suspension or revocation under RCW 48.17.530.
Existing License
An active personal-lines producer license to be upgraded to both property and casualty; OIC requires a passing property and casualty exam and charges no upgrade fee.
Fingerprints
Resident individual applicants submit electronic fingerprints for a state and national criminal background check after applying.
Line Of Authority
Property and Casualty
Prelicensing Education
Not required effective July 23, 2023 according to OIC and the current RCW 48.17.090 qualifications.
Score Window
All application requirements must be submitted within 180 days of passing the examination, or it must be retaken.
Resident licensure by prior licensure / relocation
No examination is required for this applicant pathway.
Age
At least eighteen years old under RCW 48.17.090(2)(a).
Applicant
Individual applicant
Application
Submit the uniform application, required fees and truthful disclosures.
Continuing Education
Resident individual licensees must complete 24 approved CE hours, including three ethics hours, during the applicable 24-month period; statutory and rule waivers may apply.
Eligibility
No act constituting grounds for denial, suspension or revocation under RCW 48.17.530.
Examination Exemption
RCW 48.17.175 exempts the same previously held lines from prelicensing education and examination.
Fingerprints
Resident individual applicants submit electronic fingerprints for a state and national criminal background check after applying.
Line Of Authority
Property and Casualty
Prelicensing Education
Not required effective July 23, 2023 according to OIC and the current RCW 48.17.090 qualifications.
Prior License
Previously licensed in the same lines; currently licensed or apply within ninety days after cancellation with official certification or NAIC records showing good standing.
Residency
Applicants moving to Washington apply within ninety days after establishing legal residence.

Official no-examination sources

Effective from 2026-09-22.

Washington Casualty Producer Examination

Provider
PSI Services LLC
Format
Computer-administered written examination
Exam questions
100 scored items; 1–10 additional unscored experimental items may be administered
Time limit
150 minutes
Passing score
70% correct
Exam fee
$38
Examination outline
  • Federal Laws and Regulations (2 items)
    • 18 United States Code (USC) Sections 1033 and 1034 - Purpose
    • 18 United States Code (USC) Sections 1033 and 1034 - Purpose / Prohibited Persons in Insurance, waiver required
  • Washington Laws, Rules and Regulations (30 items)
    • Washington Laws, Rules, and Regulations Common to Casualty Insurance
    • Washington Laws, Rules, and Regulations Common to Casualty Insurance / Commissioner
    • Washington Laws, Rules, and Regulations Common to Casualty Insurance / Commissioner / Broad powers (Ref: 48.02.010, .020, .060, .080, .100, .160; 48.18.310; WAC 284-02-010)
    • Washington Laws, Rules, and Regulations Common to Casualty Insurance / Commissioner / Examination of records (Ref: 48.03.010-.030; WAC 284-03-015)
    • Washington Laws, Rules, and Regulations Common to Casualty Insurance / Terms and Concepts
    • Washington Laws, Rules, and Regulations Common to Casualty Insurance / Terms and Concepts / Insurance (Ref: 48.01.040)
    • Washington Laws, Rules, and Regulations Common to Casualty Insurance / Terms and Concepts / Insurer (Ref: 48.01.050; 48.09.110,.120, .300)
    • Washington Laws, Rules, and Regulations Common to Casualty Insurance / Terms and Concepts / Insurance transaction (Ref: 48.01.060)
    • Washington Laws, Rules, and Regulations Common to Casualty Insurance / Terms and Concepts / Authorized and unauthorized certificate of authority (Ref: 48.05.215; 48.05.030)
    • Washington Laws, Rules, and Regulations Common to Casualty Insurance / Licensing
    • Washington Laws, Rules, and Regulations Common to Casualty Insurance / Licensing / Persons required to be licensed (Ref: 48.17.060, .063, .090, .490)
    • Washington Laws, Rules, and Regulations Common to Casualty Insurance / Licensing / Persons required to be licensed (Ref: 48.17.060, .063, .090, .490) / Producer (Ref: 48.17.010; 48.17.420; 48.17.060; 48.17.250; WAC 284-17-015)
    • Washington Laws, Rules, and Regulations Common to Casualty Insurance / Licensing / Persons required to be licensed (Ref: 48.17.060, .063, .090, .490) / Temporary (Ref: 48.17.510)
    • Washington Laws, Rules, and Regulations Common to Casualty Insurance / Licensing / Persons required to be licensed (Ref: 48.17.060, .063, .090, .490) / Nonresident (Ref: 48.17.173; WAC284-17-122)
    • Washington Laws, Rules, and Regulations Common to Casualty Insurance / Licensing / Persons required to be licensed (Ref: 48.17.060, .063, .090, .490) / Exemptions (Ref: 48.17.010, .062, .090, .110)
    • Washington Laws, Rules, and Regulations Common to Casualty Insurance / Licensing / Appointments/termination of appointments (Ref: 48.17.160; 48.17.250; WAC 284-17- 429, .435, .439,.443,445,449,467,473,476,483, 490)
    • Washington Laws, Rules, and Regulations Common to Casualty Insurance / Licensing / Penalties for noncompliance
    • Washington Laws, Rules, and Regulations Common to Casualty Insurance / Licensing / Penalties for noncompliance / Refusal/nonrenewal (Ref: 48.17.530, .540)
    • Washington Laws, Rules, and Regulations Common to Casualty Insurance / Licensing / Penalties for noncompliance / Suspension/revocation/probation (Ref: 48.17.530, .535, .540, .550)
    • Washington Laws, Rules, and Regulations Common to Casualty Insurance / Licensing / Penalties for noncompliance / Fines (Ref: 48.17.560)
    • Washington Laws, Rules, and Regulations Common to Casualty Insurance / Licensing / Penalties for noncompliance / Unlicensed activities (Ref: 48.17.063)
    • Washington Laws, Rules, and Regulations Common to Casualty Insurance / Licensing / Maintenance and duration of license
    • Washington Laws, Rules, and Regulations Common to Casualty Insurance / Licensing / Maintenance and duration of license / Renewal (Ref: WAC 284-17-423, 490; 48.14.010)
    • Washington Laws, Rules, and Regulations Common to Casualty Insurance / Licensing / Maintenance and duration of license / Continuing education (Ref: WAC 284-17-220-265)
    • Washington Laws, Rules, and Regulations Common to Casualty Insurance / Licensing / Maintenance and duration of license / Late renewal/reinstatement (Ref: WAC 284-17-490; RCW 48.17.170)
    • Washington Laws, Rules, and Regulations Common to Casualty Insurance / Licensing / Maintenance and duration of license / Reporting of actions (Ref: 48.17.597)
    • Washington Laws, Rules, and Regulations Common to Casualty Insurance / Licensing / Maintenance and duration of license / Licensing Process (Ref: WAC 284-17-, .005, .065)
    • Washington Laws, Rules, and Regulations Common to Casualty Insurance / Licensing / Designated Responsible Licensed Person (DRLP) (Ref: 48.17.090(3)(b), WAC284-17-603)
    • Washington Laws, Rules, and Regulations Common to Casualty Insurance / Marketing Practices
    • Washington Laws, Rules, and Regulations Common to Casualty Insurance / Marketing Practices / Unfair practices and frauds (RCW 48.30)
    • Washington Laws, Rules, and Regulations Common to Casualty Insurance / Marketing Practices / Trade practices (Ref: WAC284-30-300 to 380, 400, 570-590, 660,670)
    • Washington Laws, Rules, and Regulations Common to Casualty Insurance / Marketing Practices / Trade practices (Ref: WAC284-30-300 to 380, 400, 570-590, 660,670) / Property – Casualty (Ref: WAC284-30-300, 360, 390 to 395, WAC 284-30-500 to
    • Washington Laws, Rules, and Regulations Common to Casualty Insurance / Marketing Practices / Producer’s Compensation Disclosure (Ref: RCW 48.17.270)
    • Washington Laws, Rules, and Regulations Common to Casualty Insurance / Marketing Practices / Rebating and inducements (Ref: 48.30.140-150, .170, .190)
    • Washington Laws, Rules, and Regulations Common to Casualty Insurance / Marketing Practices / Twisting (Ref: 48.30.180)
    • Washington Laws, Rules, and Regulations Common to Casualty Insurance / Marketing Practices / Misrepresentation (Ref: 48.30.090, .210)
    • Washington Laws, Rules, and Regulations Common to Casualty Insurance / Marketing Practices / Defamation of insurer (Ref: 48.30.080)
    • Washington Laws, Rules, and Regulations Common to Casualty Insurance / Marketing Practices / Discrimination (Ref: 48.30.300; 48.18.480)
    • Washington Laws, Rules, and Regulations Common to Casualty Insurance / Marketing Practices / Failure to issue proper receipts (Ref: WAC284-30-550)
    • Washington Laws, Rules, and Regulations Common to Casualty Insurance / Marketing Practices / Advertising (Ref: 48.30.040-.080)
    • Washington Laws, Rules, and Regulations Common to Casualty Insurance / Marketing Practices / Public interest (Ref: 48.01.030; WAC284-30-355)
    • Washington Laws, Rules, and Regulations Common to Casualty Insurance / Marketing Practices / Producer responsibilities
    • Washington Laws, Rules, and Regulations Common to Casualty Insurance / Marketing Practices / Producer responsibilities / Policy delivery (Ref: WAC284-30-580; 48.18.260, 48.185.005(2))
    • Washington Laws, Rules, and Regulations Common to Casualty Insurance / Marketing Practices / Producer responsibilities / Premium accountability (Ref: 48.17.480)
    • Washington Laws, Rules, and Regulations Common to Casualty Insurance / Marketing Practices / Producer responsibilities / Separate account requirement (Ref: 48.17.480, .600; WAC284-12-080)
    • Washington Laws, Rules, and Regulations Common to Casualty Insurance / Marketing Practices / Producer responsibilities / Reply to the Insurance Commissioner (Ref: 48.17.475)
    • Washington Laws, Rules, and Regulations Common to Casualty Insurance / Marketing Practices / Producer responsibilities / Burden of determining authorization (Ref: 48.17.067)
    • Washington Laws, Rules, and Regulations Common to Casualty Insurance / Marketing Practices / Producer responsibilities / Display of License (Ref. 48.17.460)
    • Washington Laws, Rules, and Regulations Common to Casualty Insurance / Marketing Practices / Compensation of licensees
    • Washington Laws, Rules, and Regulations Common to Casualty Insurance / Marketing Practices / Compensation of licensees / Receiving compensation (Ref: 48.17.490)
    • Washington Laws, Rules, and Regulations Common to Casualty Insurance / Marketing Practices / Compensation of licensees / Charges for extra services (Ref: 48.30.157; 48.17.270)
    • Washington Laws, Rules, and Regulations Common to Casualty Insurance / Surplus Lines (Ref: 48.15.040)
    • Washington Laws, Rules, and Regulations Common to Casualty Insurance / Cancellation/Nonrenewal (Ref: 48.18.290, .2901)
    • Washington Laws, Rules, and Regulations Common to Casualty Insurance / Cancellation/Nonrenewal (Ref: 48.18.290, .2901) / Commercial property and casualty policies (Ref: 48.18.290, .2901)
    • Washington Laws, Rules, and Regulations Common to Casualty Insurance / Cancellation/Nonrenewal (Ref: 48.18.290, .2901) / Personal lines (Ref: 48.18.290, .2901)
    • Washington Laws, Rules, and Regulations Common to Casualty Insurance / Cancellation/Nonrenewal (Ref: 48.18.290, .2901) / Personal lines (Ref: 48.18.290, .2901) / Credit scoring – Adverse action (Ref: 48.18.545(2, 3, 4, 5))
    • Washington Laws, Rules, and Regulations Common to Casualty Insurance / Applications and binders (Ref: WAC284-30-560; 48.18.070)
    • Washington Laws, Rules, and Regulations Common to Casualty Insurance / Applications and binders (Ref: WAC284-30-560; 48.18.070) / Binding coverage (Ref: 48.18.220-.240)
    • Washington Laws, Rules, and Regulations Common to Casualty Insurance / Producer responsibilities
    • Washington Laws, Rules, and Regulations Common to Casualty Insurance / Producer responsibilities / Required records and record retention (Ref: RCW 48.17.470)
    • Washington Laws, Rules, and Regulations Common to Casualty Insurance / Producer responsibilities / Place of business (Ref: RCW 48.17.450)
    • Washington Laws, Rules, and Regulations Common to Casualty Insurance / Producer responsibilities / Notify Commissioner of a change in address (Ref: WAC 284.17.005)
    • Washington Laws, Rules, and Regulations Common to Casualty Insurance / Producers’ contracts (Ref: 48.17.591, .595)
    • Washington Laws, Rules, and Regulations Common to Casualty Insurance / Property and Casualty Insurance Guaranty Association (Ref: 48.32.010, .020, .030, .060 (1ai), .120)
    • Washington Laws, Rules, and Regulations Pertinent to Casualty Insurance Only
    • Washington Laws, Rules, and Regulations Pertinent to Casualty Insurance Only / Automobile insurance
    • Washington Laws, Rules, and Regulations Pertinent to Casualty Insurance Only / Automobile insurance / Total Loss (WAC 284-30-391)
    • Washington Laws, Rules, and Regulations Pertinent to Casualty Insurance Only / Automobile insurance / Underinsured/Uninsured Motorists
    • Washington Laws, Rules, and Regulations Pertinent to Casualty Insurance Only / Automobile insurance / Underinsured/Uninsured Motorists / Bodily injury (Ref: 48.22.030)
    • Washington Laws, Rules, and Regulations Pertinent to Casualty Insurance Only / Automobile insurance / Underinsured/Uninsured Motorists / Property damage (Ref: 48.22.030)
    • Washington Laws, Rules, and Regulations Pertinent to Casualty Insurance Only / Automobile insurance / Underinsured/Uninsured Motorists / Stacking (Ref: 48.22.030)
    • Washington Laws, Rules, and Regulations Pertinent to Casualty Insurance Only / Automobile insurance / Underinsured/Uninsured Motorists / Insurer insolvency (Ref: 48.22.040)
    • Washington Laws, Rules, and Regulations Pertinent to Casualty Insurance Only / Automobile insurance / Underinsured/Uninsured Motorists / Limits (Ref: 48.22.030)
    • Washington Laws, Rules, and Regulations Pertinent to Casualty Insurance Only / Automobile insurance / Liability (Ref: Title 46.04.382; 46.29.260; 46.29.090; 46.30.020)
    • Washington Laws, Rules, and Regulations Pertinent to Casualty Insurance Only / Automobile insurance / Renewal, nonrenewal, and cancellation (Ref: 48.18.310)
    • Washington Laws, Rules, and Regulations Pertinent to Casualty Insurance Only / Automobile insurance / Renewal, nonrenewal, and cancellation (Ref: 48.18.310) / Cancellation by insured/insurer (Ref: 48.18.291, 300)
    • Washington Laws, Rules, and Regulations Pertinent to Casualty Insurance Only / Automobile insurance / Renewal, nonrenewal, and cancellation (Ref: 48.18.310) / Unfair practices (Ref: 48.18.290, WAC284-30-570)
    • Washington Laws, Rules, and Regulations Pertinent to Casualty Insurance Only / Automobile insurance / Assigned Risk Plans (Ref: 48.22.020)
    • Washington Laws, Rules, and Regulations Pertinent to Casualty Insurance Only / Financial responsibility
    • Washington Laws, Rules, and Regulations Pertinent to Casualty Insurance Only / Financial responsibility / Proof of financial responsibility defined (Ref: 46.29.090, .260; 46.30.020)
    • Washington Laws, Rules, and Regulations Pertinent to Casualty Insurance Only / Financial responsibility / Persons required to show proof (Ref: 46.29.060)
    • Washington Laws, Rules, and Regulations Pertinent to Casualty Insurance Only / Financial responsibility / Methods of satisfying financial responsibility (Ref: 46.30.020)
    • Washington Laws, Rules, and Regulations Pertinent to Casualty Insurance Only / Personal Injury Protection (PIP) endorsement
    • Washington Laws, Rules, and Regulations Pertinent to Casualty Insurance Only / Personal Injury Protection (PIP) endorsement / Benefits (Ref: WAC 284-30-395; RCW 48.22.085, .005, .020, .090, .095, .100)
  • General Insurance Concepts (14 items)
    • Risk
    • Risk / Methods of Handling Risk (e.g., Avoidance, Retention, Sharing, Reduction, Transfer)
    • Risk / Elements of Insurable Risks
    • Risk / Definitions (e.g., Risk, Hazard, Peril, Loss)
    • Classifications of Insurers
    • Classifications of Insurers / Mutual, Stock
    • Classifications of Insurers / Admitted, Non-Admitted
    • Classifications of Insurers / Foreign, Domestic, Alien
    • Elements of a Contract
    • Elements of a Contract / Consideration
    • Elements of a Contract / Competent Parties
    • Elements of a Contract / Legal Purpose
    • Elements of a Contract / Offer
    • Elements of a Contract / Acceptance
    • Authority and Powers of Producers - Definitions
    • Authority and Powers of Producers - Definitions / Express
    • Authority and Powers of Producers - Definitions / Implied
    • Authority and Powers of Producers - Definitions / Apparent
    • Authority and Powers of Producers - Definitions / The Law of Agency
    • Legal Interpretations Affecting Contracts
    • Legal Interpretations Affecting Contracts / Reasonable Expectations
    • Legal Interpretations Affecting Contracts / Indemnity
    • Legal Interpretations Affecting Contracts / Good Faith
    • Legal Interpretations Affecting Contracts / Fraud
    • Legal Interpretations Affecting Contracts / Warranties, Representations, Misrepresentations, and Concealment
  • Casualty Insurance Basics (20 items)
    • Damages
    • Damages / Compensatory versus Punitive
    • Damages / General versus Special
    • Liability
    • Liability / Absolute
    • Liability / Strict
    • Liability / Vicarious
    • Underwriting (Purpose, Process, Results)
    • Types of Hazards
    • Types of Hazards / Moral
    • Types of Hazards / Morale
    • Types of Hazards / Physical
    • Negligence
    • Negligence / Torts
    • Negligence / Elements of a Negligent Act
    • Negligence / Defense Against Negligence
    • Accident versus Occurrence
    • Policy Structure
    • Policy Structure / Declarations
    • Policy Structure / Definitions
    • Policy Structure / Insuring Agreement
    • Policy Structure / Additional/Supplementary Coverage
    • Policy Structure / Conditions
    • Policy Structure / Exclusions
    • Policy Structure / Endorsements
    • Policy Clauses
    • Policy Clauses / Insureds
    • Policy Clauses / Policy Period
    • Policy Clauses / Policy Territory
    • Policy Clauses / Cancellation and Non-Renewal
    • Policy Clauses / Deductibles/Self-Insured Retention
    • Policy Clauses / Other Insurance
    • Policy Clauses / Other Insurance / Nonconcurrency
    • Policy Clauses / Other Insurance / Primary and Excess
    • Policy Clauses / Other Insurance / Pro Rata
    • Policy Clauses / Other Insurance / Contribution by Equal Shares
    • Limits of Liability
    • Limits of Liability / Per Accident
    • Limits of Liability / Per Occurrence
    • Limits of Liability / Per Person
    • Limits of Liability / Aggregate
    • Limits of Liability / Split limits
    • Limits of Liability / Combined Single Limit
    • Named Insured Provisions
    • Named Insured Provisions / First Named Insured versus Other Insureds
    • Named Insured Provisions / Duties After Loss
    • Named Insured Provisions / Assignment
    • Named Insured Provisions / Waiver of Rights
    • Insurer Provisions
    • Insurer Provisions / Liberalization
    • Insurer Provisions / Subrogation
    • Insurer Provisions / Claim Settlement Options
    • Insurer Provisions / Duty to Defend
    • Insurer Provisions / Arbitration
  • Personal Automobile Policy (11 items)
    • Definitions
    • Personal Injury Protection
    • Liability Coverage
    • Liability Coverage / Bodily Injury and Property Damage
    • Liability Coverage / Supplementary Payments
    • Liability Coverage / Exclusions
    • Liability Coverage / Liability Extension to Towed Vehicle
    • Medical Payments Coverage
    • Uninsured/Underinsured Motorists Coverage
    • Uninsured/Underinsured Motorists Coverage / Definitions
    • Uninsured/Underinsured Motorists Coverage / Bodily Injury
    • Uninsured/Underinsured Motorists Coverage / UM and UIM Rejection
    • Coverage for Damage to your Automobile
    • Coverage for Damage to your Automobile / Collision
    • Coverage for Damage to your Automobile / Other than Collision (Comprehensive)
    • Coverage for Damage to your Automobile / Deductibles
    • Coverage for Damage to your Automobile / Exclusions
    • Duties after an Accident or Loss
    • General Provisions
    • Endorsements
    • Endorsements / Towing and Labor Costs
    • Endorsements / Extended Non-Owned Coverage - Vehicles Furnished or Available for Regular Use
    • Endorsements / Joint ownership coverage
    • Endorsements / Rental Vehicle Coverage
  • Commercial Automobile Policy (7 items)
    • Commercial Automobile Coverage Forms
    • Covered Automobiles
    • Covered Automobiles / Hired Automobiles
    • Covered Automobiles / Non-owned Auto
    • Liability
    • Physical Damage
    • Exclusions
    • Conditions
    • Definitions
    • Selected Endorsements
    • Selected Endorsements / Lessor - Additional Insured and Loss Payee
    • Selected Endorsements / Mobile Equipment
    • Selected Endorsements / Property Protection Coverage
    • Selected Endorsements / Broad Form Products
    • Selected Endorsements / Employees as Insureds
  • Commercial General Liability (9 items)
    • Commercial Policy Components
    • Commercial Policy Components / Declarations
    • Commercial Policy Components / Conditions
    • Commercial Policy Components / Interline Endorsements
    • Commercial General Liability Coverages
    • Commercial General Liability Coverages / Bodily Injury and Property Damage
    • Commercial General Liability Coverages / Personal and Advertising Injury
    • Commercial General Liability Coverages / Medical Payments
    • Commercial General Liability Coverages / Conditions
    • Commercial General Liability Coverages / Definitions
    • Commercial General Liability Coverages / Exclusions
    • Occurrence versus Claims-Made
    • Occurrence versus Claims-Made / Trigger
    • Occurrence versus Claims-Made / Retroactive Date
    • Commercial General Liability Exposures
    • Commercial General Liability Exposures / Premises and Operations
    • Commercial General Liability Exposures / Products and Completed Operations
    • Commercial General Liability Exposures / Contractual Liability
  • Businessowners Policy (2 items)
    • 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
  • Other Types of Casualty Insurance - Purpose and General Characteristics (5 items)
    • Specialty Liability Insurance
    • Specialty Liability Insurance / Directors and Officers
    • Specialty Liability Insurance / Professional and Errors and Omissions
    • Specialty Liability Insurance / Employment Practices
    • Specialty Liability Insurance / Employee Benefits
    • Specialty Liability Insurance / Cyper Liability and Network Protection
    • Personal Umbrella, Commercial Umbrella, and Excess Policies
    • Personal Umbrella, Commercial Umbrella, and Excess Policies / Underlying Limits
    • Personal Umbrella, Commercial Umbrella, and Excess Policies / Self-Insured Retention
    • Surety Contracts
    • Surety Contracts / Differences between surety and insurance
    • Surety Contracts / Obligation of the surety
    • Surety Contracts / Parties to the surety bond
    • Surety Contracts / Parties to the surety bond / Principal
    • Surety Contracts / Parties to the surety bond / Obligee
    • Surety Contracts / Parties to the surety bond / Surety
Examination sources

Washington Property and Casualty Producer

Provider
PSI Services LLC
Format
Computer-administered written examination
Exam questions
150 scored items; 1–10 additional unscored experimental items may be administered
Time limit
195 minutes
Passing score
70% correct
Exam fee
$55
Examination outline
  • Federal Laws and Regulations (2 items)
    • 18 United States Code (USC) Sections 1033 and 1034 - Purpose
    • 18 United States Code (USC) Sections 1033 and 1034 - Purpose / Prohibited Persons in Insurance, waiver required
    • Flood Insurance Education (National Flood Insurance Program (NFIP))
  • Washington Laws, Rules, and Regulations (45 items)
    • Washington Laws, Rules, and Regulations Common to Property and Casualty Insurance
    • Washington Laws, Rules, and Regulations Common to Property and Casualty Insurance / Commissioner
    • Washington Laws, Rules, and Regulations Common to Property and Casualty Insurance / Commissioner / Broad powers (Ref: 48.02.010, .020, .060, .080, .100, .160; 48.18.310; WAC 284-02-010)
    • Washington Laws, Rules, and Regulations Common to Property and Casualty Insurance / Commissioner / Examination of records (Ref: 48.03.010-.030; WAC 284-03-015)
    • Washington Laws, Rules, and Regulations Common to Property and Casualty Insurance / Terms and Concepts
    • Washington Laws, Rules, and Regulations Common to Property and Casualty Insurance / Terms and Concepts / Insurance (Ref: 48.01.040)
    • Washington Laws, Rules, and Regulations Common to Property and Casualty Insurance / Terms and Concepts / Insurer (Ref: 48.01.050; 48.09.110,.120, .300)
    • Washington Laws, Rules, and Regulations Common to Property and Casualty Insurance / Terms and Concepts / Insurance transaction (Ref: 48.01.060)
    • Washington Laws, Rules, and Regulations Common to Property and Casualty Insurance / Terms and Concepts / Authorized and unauthorized certificate of authority (Ref: 48.05.215; 48.05.030)
    • Washington Laws, Rules, and Regulations Common to Property and Casualty Insurance / Licensing
    • Washington Laws, Rules, and Regulations Common to Property and Casualty Insurance / Licensing / Persons required to be licensed (Ref: 48.17.060, .063, .090, .490)
    • Washington Laws, Rules, and Regulations Common to Property and Casualty Insurance / Licensing / Persons required to be licensed (Ref: 48.17.060, .063, .090, .490) / Producer (Ref: 48.17.010; 48.17.420; 48.17.060; 48.17.250; WAC 284-17-015)
    • Washington Laws, Rules, and Regulations Common to Property and Casualty Insurance / Licensing / Persons required to be licensed (Ref: 48.17.060, .063, .090, .490) / Temporary (Ref: 48.17.510)
    • Washington Laws, Rules, and Regulations Common to Property and Casualty Insurance / Licensing / Persons required to be licensed (Ref: 48.17.060, .063, .090, .490) / Nonresident (Ref: 48.17.173; WAC284-17-122)
    • Washington Laws, Rules, and Regulations Common to Property and Casualty Insurance / Licensing / Persons required to be licensed (Ref: 48.17.060, .063, .090, .490) / Exemptions (Ref: 48.17.010, .062, .090, .110)
    • Washington Laws, Rules, and Regulations Common to Property and Casualty Insurance / Licensing / Appointments/termination of appointments (Ref: 48.17.160; 48.17.250; WAC 284-17- 429, .435, .439,.443,445,449,467,473,476,483, 490)
    • Washington Laws, Rules, and Regulations Common to Property and Casualty Insurance / Licensing / Penalties for noncompliance
    • Washington Laws, Rules, and Regulations Common to Property and Casualty Insurance / Licensing / Penalties for noncompliance / Refusal/nonrenewal (Ref: 48.17.530, .540)
    • Washington Laws, Rules, and Regulations Common to Property and Casualty Insurance / Licensing / Penalties for noncompliance / Suspension/revocation/probation (Ref: 48.17.530, .535, .540, .550)
    • Washington Laws, Rules, and Regulations Common to Property and Casualty Insurance / Licensing / Penalties for noncompliance / Fines (Ref: 48.17.560)
    • Washington Laws, Rules, and Regulations Common to Property and Casualty Insurance / Licensing / Penalties for noncompliance / Unlicensed activities (Ref: 48.17.063)
    • Washington Laws, Rules, and Regulations Common to Property and Casualty Insurance / Licensing / Maintenance and duration of license
    • Washington Laws, Rules, and Regulations Common to Property and Casualty Insurance / Licensing / Maintenance and duration of license / Renewal (Ref: WAC 284-17-423, 490; 48.14.010)
    • Washington Laws, Rules, and Regulations Common to Property and Casualty Insurance / Licensing / Maintenance and duration of license / Continuing education (Ref: WAC 284-17-220-265)
    • Washington Laws, Rules, and Regulations Common to Property and Casualty Insurance / Licensing / Maintenance and duration of license / Late renewal/reinstatement (Ref: WAC 284-17-490; RCW 48.17.170)
    • Washington Laws, Rules, and Regulations Common to Property and Casualty Insurance / Licensing / Maintenance and duration of license / Reporting of actions (Ref: 48.17.597)
    • Washington Laws, Rules, and Regulations Common to Property and Casualty Insurance / Licensing / Maintenance and duration of license / Licensing Process (Ref: WAC 284-17-, .005, .065)
    • Washington Laws, Rules, and Regulations Common to Property and Casualty Insurance / Licensing / Designated Responsible Licensed Person (DRLP) (Ref: 48.17.090(3)(b), WAC284-17-603)
    • Washington Laws, Rules, and Regulations Common to Property and Casualty Insurance / Marketing Practices
    • Washington Laws, Rules, and Regulations Common to Property and Casualty Insurance / Marketing Practices / Unfair practices and frauds (RCW 48.30)
    • Washington Laws, Rules, and Regulations Common to Property and Casualty Insurance / Marketing Practices / Trade practices (Ref: WAC284-30-300 to 380, 400, 570-590, 660,670)
    • Washington Laws, Rules, and Regulations Common to Property and Casualty Insurance / Marketing Practices / Trade practices (Ref: WAC284-30-300 to 380, 400, 570-590, 660,670) / Property – Casualty (Ref: WAC284-30-300, 360, 390 to 395, WAC 284-30-500 to 560,700,750)
    • Washington Laws, Rules, and Regulations Common to Property and Casualty Insurance / Marketing Practices / Producer’s Compensation Disclosure (Ref: RCW 48.17.270)
    • Washington Laws, Rules, and Regulations Common to Property and Casualty Insurance / Marketing Practices / Rebating and inducements (Ref: 48.30.140-150, .170, .190)
    • Washington Laws, Rules, and Regulations Common to Property and Casualty Insurance / Marketing Practices / Twisting (Ref: 48.30.180)
    • Washington Laws, Rules, and Regulations Common to Property and Casualty Insurance / Marketing Practices / Misrepresentation (Ref: 48.30.090, .210)
    • Washington Laws, Rules, and Regulations Common to Property and Casualty Insurance / Marketing Practices / Defamation of insurer (Ref: 48.30.080)
    • Washington Laws, Rules, and Regulations Common to Property and Casualty Insurance / Marketing Practices / Discrimination (Ref: 48.30.300; 48.18.480)
    • Washington Laws, Rules, and Regulations Common to Property and Casualty Insurance / Marketing Practices / Failure to issue proper receipts (Ref: WAC284-30-550)
    • Washington Laws, Rules, and Regulations Common to Property and Casualty Insurance / Marketing Practices / Advertising (Ref: 48.30.040-.080)
    • Washington Laws, Rules, and Regulations Common to Property and Casualty Insurance / Marketing Practices / Public interest (Ref: 48.01.030; WAC284-30-355)
    • Washington Laws, Rules, and Regulations Common to Property and Casualty Insurance / Marketing Practices / Producer responsibilities
    • Washington Laws, Rules, and Regulations Common to Property and Casualty Insurance / Marketing Practices / Producer responsibilities / Policy delivery (Ref: WAC284-30-580; 48.18.260, 48.185.005(2))
    • Washington Laws, Rules, and Regulations Common to Property and Casualty Insurance / Marketing Practices / Producer responsibilities / Premium accountability (Ref: 48.17.480)
    • Washington Laws, Rules, and Regulations Common to Property and Casualty Insurance / Marketing Practices / Producer responsibilities / Separate account requirement (Ref: 48.17.480, .600; WAC284-12-080)
    • Washington Laws, Rules, and Regulations Common to Property and Casualty Insurance / Marketing Practices / Producer responsibilities / Reply to the Insurance Commissioner (Ref: 48.17.475)
    • Washington Laws, Rules, and Regulations Common to Property and Casualty Insurance / Marketing Practices / Producer responsibilities / Burden of determining authorization (Ref: 48.17.067)
    • Washington Laws, Rules, and Regulations Common to Property and Casualty Insurance / Marketing Practices / Producer responsibilities / Display of License (Ref. 48.17.460)
    • Washington Laws, Rules, and Regulations Common to Property and Casualty Insurance / Marketing Practices / Compensation of licensees
    • Washington Laws, Rules, and Regulations Common to Property and Casualty Insurance / Marketing Practices / Compensation of licensees / Receiving compensation (Ref: 48.17.490)
    • Washington Laws, Rules, and Regulations Common to Property and Casualty Insurance / Marketing Practices / Compensation of licensees / Charges for extra services (Ref: 48.30.157; 48.17.270)
    • Washington Laws, Rules, and Regulations Common to Property and Casualty Insurance / Surplus Lines (Ref: 48.15.040)
    • Washington Laws, Rules, and Regulations Common to Property and Casualty Insurance / Cancellation/Nonrenewal (Ref: 48.18.290, .2901)
    • Washington Laws, Rules, and Regulations Common to Property and Casualty Insurance / Cancellation/Nonrenewal (Ref: 48.18.290, .2901) / Commercial property and casualty policies (Ref: 48.18.290, .2901)
    • Washington Laws, Rules, and Regulations Common to Property and Casualty Insurance / Cancellation/Nonrenewal (Ref: 48.18.290, .2901) / Personal lines (Ref: 48.18.290, .2901)
    • Washington Laws, Rules, and Regulations Common to Property and Casualty Insurance / Cancellation/Nonrenewal (Ref: 48.18.290, .2901) / Personal lines (Ref: 48.18.290, .2901) / Credit scoring – Adverse action (Ref: 48.18.545(2, 3, 4, 5))
    • Washington Laws, Rules, and Regulations Common to Property and Casualty Insurance / Homeowners
    • Washington Laws, Rules, and Regulations Common to Property and Casualty Insurance / Homeowners / Cancellation
    • Washington Laws, Rules, and Regulations Common to Property and Casualty Insurance / Homeowners / Cancellation / By the company (Ref: 48.18.289, .290; WAC284-30-570, 700)
    • Washington Laws, Rules, and Regulations Common to Property and Casualty Insurance / Homeowners / Cancellation / By the insured (Ref: 48.18.300)
    • Washington Laws, Rules, and Regulations Common to Property and Casualty Insurance / Homeowners / Nonrenewal (Ref: 48.18.289, .290, .2901; WAC284-30-570, 700)
    • Washington Laws, Rules, and Regulations Common to Property and Casualty Insurance / Homeowners / Actual reason required (Ref: WAC 284-30-570)
    • Washington Laws, Rules, and Regulations Common to Property and Casualty Insurance / Applications and binders (Ref: WAC284-30-560; 48.18.070)
    • Washington Laws, Rules, and Regulations Common to Property and Casualty Insurance / Applications and binders (Ref: WAC284-30-560; 48.18.070) / Binding coverage (Ref: 48.18.220-.240)
    • Washington Laws, Rules, and Regulations Common to Property and Casualty Insurance / Producer responsibilities
    • Washington Laws, Rules, and Regulations Common to Property and Casualty Insurance / Producer responsibilities / Required records and record retention (Ref: RCW 48.17.470)
    • Washington Laws, Rules, and Regulations Common to Property and Casualty Insurance / Producer responsibilities / Place of business (Ref: RCW 48.17.450)
    • Washington Laws, Rules, and Regulations Common to Property and Casualty Insurance / Producer responsibilities / Notify Commissioner of a change in address (Ref: WAC 284.17.005)
    • Washington Laws, Rules, and Regulations Common to Property and Casualty Insurance / Producers’ contracts (Ref: 48.17.591, .595)
    • Washington Laws, Rules, and Regulations Common to Property and Casualty Insurance / Property and Casualty Insurance Guaranty Association (Ref: 48.32.010, .020, .030, .060 (1ai), .120)
    • Washington Laws, Rules, and Regulations Pertinent to Property Insurance Only
    • Washington Laws, Rules, and Regulations Pertinent to Property Insurance Only / Overinsurance (Ref: 48.27.010, .020)
    • Washington Laws, Rules, and Regulations Pertinent to Property Insurance Only / Fair access to insurance requirements plan (Ref: WAC284-19-010, 020, 050, 060, 070, 080, 100, 110, 120, 130, 165)
    • Washington Laws, Rules, and Regulations Pertinent to Casualty Insurance Only
    • Washington Laws, Rules, and Regulations Pertinent to Casualty Insurance Only / Automobile insurance
    • Washington Laws, Rules, and Regulations Pertinent to Casualty Insurance Only / Automobile insurance / Total Loss (WAC 284-30-391)
    • Washington Laws, Rules, and Regulations Pertinent to Casualty Insurance Only / Automobile insurance / Underinsured/Uninsured Motorists
    • Washington Laws, Rules, and Regulations Pertinent to Casualty Insurance Only / Automobile insurance / Underinsured/Uninsured Motorists / Bodily injury (Ref: 48.22.030)
    • Washington Laws, Rules, and Regulations Pertinent to Casualty Insurance Only / Automobile insurance / Underinsured/Uninsured Motorists / Property damage (Ref: 48.22.030)
    • Washington Laws, Rules, and Regulations Pertinent to Casualty Insurance Only / Automobile insurance / Underinsured/Uninsured Motorists / Stacking (Ref: 48.22.030)
    • Washington Laws, Rules, and Regulations Pertinent to Casualty Insurance Only / Automobile insurance / Underinsured/Uninsured Motorists / Insurer insolvency (Ref: 48.22.040)
    • Washington Laws, Rules, and Regulations Pertinent to Casualty Insurance Only / Automobile insurance / Underinsured/Uninsured Motorists / Limits (Ref: 48.22.030)
    • Washington Laws, Rules, and Regulations Pertinent to Casualty Insurance Only / Automobile insurance / Liability (Ref: Title 46.04.382; 46.29.260; 46.29.090; 46.30.020)
    • Washington Laws, Rules, and Regulations Pertinent to Casualty Insurance Only / Automobile insurance / Renewal, nonrenewal, and cancellation (Ref: 48.18.310)
    • Washington Laws, Rules, and Regulations Pertinent to Casualty Insurance Only / Automobile insurance / Renewal, nonrenewal, and cancellation (Ref: 48.18.310) / Cancellation by insured/insurer (Ref: 48.18.291, 300)
    • Washington Laws, Rules, and Regulations Pertinent to Casualty Insurance Only / Automobile insurance / Renewal, nonrenewal, and cancellation (Ref: 48.18.310) / Unfair practices (Ref: 48.18.290, WAC284-30-570)
    • Washington Laws, Rules, and Regulations Pertinent to Casualty Insurance Only / Automobile insurance / Assigned Risk Plans (Ref: 48.22.020)
    • Washington Laws, Rules, and Regulations Pertinent to Casualty Insurance Only / Financial responsibility
    • Washington Laws, Rules, and Regulations Pertinent to Casualty Insurance Only / Financial responsibility / Proof of financial responsibility defined (Ref: 46.29.090, .260; 46.30.020)
    • Washington Laws, Rules, and Regulations Pertinent to Casualty Insurance Only / Financial responsibility / Persons required to show proof (Ref: 46.29.060)
    • Washington Laws, Rules, and Regulations Pertinent to Casualty Insurance Only / Financial responsibility / Methods of satisfying financial responsibility (Ref: 46.30.020)
    • Washington Laws, Rules, and Regulations Pertinent to Casualty Insurance Only / Personal Injury Protection (PIP) endorsement
    • Washington Laws, Rules, and Regulations Pertinent to Casualty Insurance Only / Personal Injury Protection (PIP) endorsement / Benefits (Ref: WAC 284-30-395; RCW 48.22.085, .005, .020, .090, .095, .100)
  • General Insurance Concepts (17 items)
    • Risk
    • Risk / Methods of Handling Risk (e.g., Avoidance, Retention, Sharing, Reduction, Transfer)
    • Risk / Elements of Insurable Risks
    • Risk / Definitions (e.g., Risk, Hazard, Peril, Loss)
    • Classifications of Insurers
    • Classifications of Insurers / Mutual, Stock
    • Classifications of Insurers / Admitted, Non-Admitted
    • Classifications of Insurers / Foreign, Domestic, Alien
    • Elements of a Contract
    • Elements of a Contract / Consideration
    • Elements of a Contract / Competent Parties
    • Elements of a Contract / Legal Purpose
    • Elements of a Contract / Offer
    • Elements of a Contract / Acceptance
    • Authority and Powers of Producers - Definitions
    • Authority and Powers of Producers - Definitions / Express
    • Authority and Powers of Producers - Definitions / Implied
    • Authority and Powers of Producers - Definitions / Apparent
    • Authority and Powers of Producers - Definitions / The Law of Agency
    • Legal Interpretations Affecting Contracts
    • Legal Interpretations Affecting Contracts / Reasonable Expectations
    • Legal Interpretations Affecting Contracts / Indemnity
    • Legal Interpretations Affecting Contracts / Good Faith
    • Legal Interpretations Affecting Contracts / Fraud
    • Legal Interpretations Affecting Contracts / Warranties, Representations, Misrepresentations, and Concealment
  • Property and Casualty Insurance Basics (21 items)
    • Insurable Interest
    • Damages
    • Damages / Compensatory versus Punitive
    • Damages / General versus Special
    • Liability
    • Liability / Absolute
    • Liability / Strict
    • Liability / Vicarious
    • Underwriting (Purpose, Process, Results)
    • Rate Development
    • Rate Development / Types
    • Rate Development / Components
    • Rate Development / Basis
    • Types of Hazards
    • Types of Hazards / Moral
    • Types of Hazards / Morale
    • Types of Hazards / Physical
    • Types of Perils
    • Types of Perils / Named
    • Types of Perils / Open
    • Types of Loss
    • Types of Loss / Direct
    • Types of Loss / Indirect
    • Loss valuation
    • Loss valuation / Actual Cash Value
    • Loss valuation / Replacement Cost
    • Loss valuation / Market Value
    • Loss valuation / Agreed Value
    • Loss valuation / Valued Policy
    • Loss valuation / Functional Replacement Cost
    • Negligence
    • Negligence / Torts
    • Negligence / Elements of a Negligent Act
    • Negligence / Defense Against Negligence
    • Accident versus Occurrence
    • Policy Structure
    • Policy Structure / Declarations
    • Policy Structure / Definitions
    • Policy Structure / Insuring Agreement
    • Policy Structure / Additional/Supplementary Coverage
    • Policy Structure / Conditions
    • Policy Structure / Exclusions
    • Policy Structure / Endorsements
    • Policy Clauses
    • Policy Clauses / Insureds
    • Policy Clauses / Policy Period
    • Policy Clauses / Policy Territory
    • Policy Clauses / Cancellation and Non-Renewal
    • Policy Clauses / Deductibles
    • Policy Clauses / Other insurance
    • Policy Clauses / Other insurance / Nonconcurrency
    • Policy Clauses / Other insurance / Primary and Excess
    • Policy Clauses / Other insurance / Pro Rata
    • Policy Clauses / Other insurance / Contribution by Equal Shares
    • Limits of Liability
    • Limits of Liability / Per Accident
    • Limits of Liability / Per Occurrence
    • Limits of Liability / Per Person
    • Limits of Liability / Aggregate
    • Limits of Liability / Split limits
    • Limits of Liability / Combined Single Limit
    • Coinsurance
    • Coinsurance / Purpose
    • Coinsurance / Definition
    • Coinsurance / Calculation
    • Coinsurance / Penalties
    • Coinsurance / Total versus Partial Loss
    • Specific, Scheduled, and Blanket Insurance
    • Vacant versus Unoccupied
    • Named Insured Provisions
    • Named Insured Provisions / First Named Insured versus Other Insureds
    • Named Insured Provisions / Duties After Loss
    • Named Insured Provisions / Assignment
    • Named Insured Provisions / Waiver of Rights
    • Insurer Provisions
    • Insurer Provisions / Liberalization
    • Insurer Provisions / Subrogation
    • Insurer Provisions / Claim Settlement Options
    • Insurer Provisions / Duty to Defend
    • Third-Party Provisions
    • Third-Party Provisions / Standard Mortgage Clause
    • Third-Party Provisions / Loss Payable Clause
    • Third-Party Provisions / No Benefit to the Bailee
  • Dwelling Policy Concepts (2 items)
    • Purpose and Eligibility
    • Perils Insured Against
    • Perils Insured Against / Basic
    • Perils Insured Against / Broad
    • 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 Expenses
    • Property Coverages / Other Coverages
    • Dwelling Property Conditions
    • Dwelling Property Exclusions
    • Dwelling Property Endorsements
    • Personal Liability Supplement
    • Personal Liability Supplement / Coverage L - Personal Liability
    • Personal Liability Supplement / Coverage M - Medical Payments to Others
  • Homeowners Policy Concepts (14 items)
    • Definitions
    • Eligibility and Purpose
    • Homeowners Policy Coverage Forms
    • Homeowners Policy Coverage Forms / Broad (HO-2)
    • Homeowners Policy Coverage Forms / Special (HO-3)
    • Homeowners Policy Coverage Forms / Contents Broad (HO-4)
    • Homeowners Policy Coverage Forms / Comprehensive (HO-5)
    • Homeowners Policy Coverage Forms / Unit-Owners (HO-6)
    • Homeowners Policy Coverage Forms / Modified Coverages (HO-8)
    • 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
    • Homeowners Policy Exclusions
    • Homeowners Policy Exclusions / Section I-Property covered exclusions
    • Homeowners Policy Exclusions / Section II - Liability covered exclusions
    • Homeowners Policy Conditions
    • Homeowners Policy Endorsements
    • Homeowners Policy Endorsements / Business Pursuits
    • Homeowners Policy Endorsements / Earthquake
    • Homeowners Policy Endorsements / Home Day Care
    • Homeowners Policy Endorsements / Personal Injury
    • Homeowners Policy Endorsements / Personal Property Replacement Cost
    • Homeowners Policy Endorsements / Watercraft
    • Homeowners Policy Endorsements / Ordinance or Law
    • Scheduled Personal Property/Personal Articles Floater
  • Personal Automobile Policy (14 items)
    • Definitions
    • Personal Injury Protection
    • Liability Coverage
    • Liability Coverage / Bodily Injury and Property Damage
    • Liability Coverage / Supplementary Payments
    • Liability Coverage / Exclusions
    • Liability Coverage / Liability Extension to Towed Vehicle
    • Medical Payments Coverage
    • Uninsured and Underinsured Motorists Coverage
    • Uninsured and Underinsured Motorists Coverage / Definitions
    • Uninsured and Underinsured Motorists Coverage / Bodily Injury
    • Uninsured and Underinsured Motorists Coverage / UM and UIM Rejection
    • Coverage for Damage to your Automobile
    • Coverage for Damage to your Automobile / Collision
    • Coverage for Damage to your Automobile / Other than Collision (Comprehensive)
    • Coverage for Damage to your Automobile / Deductibles
    • Coverage for Damage to your Automobile / Exclusions
    • Duties after an Accident or Loss
    • General Provisions
    • Endorsements
    • Endorsements / Towing and Labor Costs
    • Endorsements / Extended Non-Owned Coverage - Vehicles Furnished or Available for Regular Use
    • Endorsements / Joint ownership coverage
    • Endorsements / Rental Vehicle Coverage
  • Commercial Automobile Policy (5 items)
    • Commercial Automobile Coverage Forms
    • Covered Automobiles
    • Covered Automobiles / Hired Automobiles
    • Covered Automobiles / Non-owned Auto
    • Liability
    • Physical Damage
    • Exclusions
    • Conditions
    • Definitions
    • Selected Endorsements
    • Selected Endorsements / Lessor - Additional Insured and Loss Payee
    • Selected Endorsements / Mobile Equipment
    • Selected Endorsements / Property Protection Coverage
    • Selected Endorsements / Broad Form Products
    • Selected Endorsements / Employees as Insureds
  • Commercial Property Policies (10 items)
    • Commercial Package Policy
    • Commercial Package Policy / Purpose
    • Commercial Package Policy / Definition
    • Commercial Package Policy / Coverages
    • Commercial Package Policy / Coverage extensions
    • Commercial Policy Components
    • Commercial Policy Components / Declarations
    • Commercial Policy Components / Conditions
    • Commercial Policy Components / Insuring Agreements
    • Commercial Policy Components / Exclusions
    • Commercial Property Forms
    • Commercial Property Forms / Coverage Forms for Building and Business Personal Property
    • Commercial Property Forms / Builders Risk
    • Commercial Property Forms / Business Income
    • Commercial Property Forms / Extra Expense
    • Commercial Property Forms / Legal Liability
    • Commercial Property Forms / Cause of Loss Forms
    • Commercial Property Forms / Commercial Crime
    • Commercial Property Endorsements
    • Commercial Property Endorsements / Ordinance or Law
    • Commercial Property Endorsements / Peak Season Limit of Insurance
    • Commercial Property Endorsements / Spoilage
    • Commercial Property Endorsements / Value Reporting Form
    • Commercial Property Endorsements / Earthquake
    • Commercial Property Endorsements / Equipment Breakdown Coverages
    • Commercial Inland Marine - purpose
    • Ocean Marine (Distinction Between Inland and Ocean)
    • Farm Coverage
    • Farm Coverage / Farm Property Coverage Form
    • Farm Coverage / Farm Property Coverage Form / Coverage A - Dwellings
    • Farm Coverage / Farm Property Coverage Form / Coverage B - Other Private Structures
    • Farm Coverage / Farm Property Coverage Form / Coverage C - Household Personal Property
    • Farm Coverage / Farm Property Coverage Form / Coverage D - Loss of Use
    • Farm Coverage / Farm Property Coverage Form / Coverage E - Scheduled Farm Personal Property
    • Farm Coverage / Farm Property Coverage Form / Coverage F - Unscheduled Farm Personal Property
    • Farm Coverage / Farm Property Coverage Form / Coverage G - Other Farm Structures
    • Farm Coverage / Farm Property Coverage Form / Coverage H - Bodily Injury and Property Damage Liability
    • Farm Coverage / Farm Property Coverage Form / Coverage I - Personal and Advertising Injury Liability
    • Farm Coverage / Farm Property Coverage Form / Coverage J - Medical Payments
  • Commercial General Liability (10 items)
    • Commercial Policy Components
    • Commercial Policy Components / Declarations
    • Commercial Policy Components / Conditions
    • Commercial Policy Components / Interline Endorsements
    • Commercial General Liability coverages
    • Commercial General Liability coverages / Bodily Injury and Property Damage
    • Commercial General Liability coverages / Personal and Advertising Injury
    • Commercial General Liability coverages / Medical Payments
    • Commercial General Liability coverages / Conditions
    • Commercial General Liability coverages / Definitions
    • Commercial General Liability coverages / Exclusions
    • Occurrence versus Claims-Made
    • Occurrence versus Claims-Made / Trigger
    • Occurrence versus Claims-Made / Retroactive Date
    • Commercial General Liability Exposures
    • Commercial General Liability Exposures / Premises and Operations
    • Commercial General Liability Exposures / Products and Completed Operations
    • Commercial General Liability Exposures / Contractual Liability
  • Businessowners Policy (6 items)
    • Characteristics and purpose
    • Businessowners Section I — Property
    • Businessowners Section I — Property / Coverage
    • Businessowners Section I — Property / Exclusions
    • Businessowners Section I — Property / Limits of insurance
    • Businessowners Section I — Property / Deductibles
    • Businessowners Section I — Property / Loss conditions
    • Businessowners Section I — Property / General Conditions
    • Businessowners Section I — Property / Optional coverages
    • Businessowners Section I — Property / Definitions
    • Businessowners Section II — Liability
    • Businessowners Section II — Liability / Coverages
    • Businessowners Section II — Liability / Exclusions
    • Businessowners Section II — Liability / Who is an insured
    • Businessowners Section II — Liability / Limits of insurance
    • Businessowners Section II — Liability / General Conditions
    • Businessowners Section II — Liability / Definitions
  • Other Types of Property and Casualty Insurance - Purpose and General Characteristics (4 items)
    • Specialty Liability Insurance
    • Specialty Liability Insurance / Directors and Officers
    • Specialty Liability Insurance / Professional/Errors and Omissions
    • Specialty Liability Insurance / Employment Practices
    • Specialty Liability Insurance / Employee Benefits
    • Specialty Liability Insurance / Cyber Liability and Network Protection
    • Surety Contracts
    • Surety Contracts / Differences between surety and insurance
    • Surety Contracts / Obligation of the surety
    • Surety Contracts / Parties to the surety bond
    • Surety Contracts / Parties to the surety bond / Principal
    • Surety Contracts / Parties to the surety bond / Obligee
    • Surety Contracts / Parties to the surety bond / Surety
    • Personal Umbrella, Commercial Umbrella, and Excess Policies
    • Personal Umbrella, Commercial Umbrella, and Excess Policies / Underlying Limits
    • Personal Umbrella, Commercial Umbrella, and Excess Policies / Self-Insured Retention
    • Mobile Home Policy (Insuring Agreement)
    • Earthquake Insurance (Insuring Agreement)
    • Earthquake Insurance (Insuring Agreement) / Deductible
    • Flood Insurance
    • Watercraft
Examination sources

Washington Property Producer

Provider
PSI Services LLC
Format
Computer administered written examination
Exam questions
100 scored items; possible additional unscored experimental questions
Time limit
150 minutes
Passing score
70% correct
Exam fee
$38
Examination outline
  • Federal Laws and Regulations (3 items)
    • 18 United States Code (USC) Sections 1033 and 1034 - Purpose
    • 18 United States Code (USC) Sections 1033 and 1034 - Purpose / Prohibited Persons in Insurance, waiver required
    • Flood Insurance Education (National Flood Insurance Program (NFIP))
  • Washington Laws, Rules and Regulations (30 items)
    • Ref: References are from the revised Code of Washington Title 48 (RCW-48) and the Washington Administrative Code (WAC) Title 284.
    • Washington Laws, Rules, and Regulations Common to Property Insurance
    • Washington Laws, Rules, and Regulations Common to Property Insurance / Commissioner
    • Washington Laws, Rules, and Regulations Common to Property Insurance / Commissioner / Broad powers (Ref: 48.02.010, .020, .060, .080, .100, .160; 48.18.310; WAC 284-02-010)
    • Washington Laws, Rules, and Regulations Common to Property Insurance / Commissioner / Examination of records (Ref: 48.03.010-.030; WAC 284-03-015)
    • Washington Laws, Rules, and Regulations Common to Property Insurance / Terms and Concepts
    • Washington Laws, Rules, and Regulations Common to Property Insurance / Terms and Concepts / Insurance (Ref: 48.01.040)
    • Washington Laws, Rules, and Regulations Common to Property Insurance / Terms and Concepts / Insurer (Ref: 48.01.050; 48.09.110,.120, .300)
    • Washington Laws, Rules, and Regulations Common to Property Insurance / Terms and Concepts / Insurance transaction (Ref: 48.01.060)
    • Washington Laws, Rules, and Regulations Common to Property Insurance / Terms and Concepts / Authorized and unauthorized certificate of authority (Ref: 48.05.215; 48.05.030)
    • Washington Laws, Rules, and Regulations Common to Property Insurance / Licensing
    • Washington Laws, Rules, and Regulations Common to Property Insurance / Licensing / Persons required to be licensed (Ref: 48.17.060, .063, .090, .490)
    • Washington Laws, Rules, and Regulations Common to Property Insurance / Licensing / Persons required to be licensed (Ref: 48.17.060, .063, .090, .490) / Producer (Ref: 48.17.010; 48.17.420; 48.17.060; 48.17.250; WAC 284-17-015)
    • Washington Laws, Rules, and Regulations Common to Property Insurance / Licensing / Persons required to be licensed (Ref: 48.17.060, .063, .090, .490) / Temporary (Ref: 48.17.510)
    • Washington Laws, Rules, and Regulations Common to Property Insurance / Licensing / Persons required to be licensed (Ref: 48.17.060, .063, .090, .490) / Nonresident (Ref: 48.17.173; WAC284-17-122)
    • Washington Laws, Rules, and Regulations Common to Property Insurance / Licensing / Persons required to be licensed (Ref: 48.17.060, .063, .090, .490) / Exemptions (Ref: 48.17.010, .062,.090 .110)
    • Washington Laws, Rules, and Regulations Common to Property Insurance / Licensing / Appointments/termination of appointments (Ref: 48.17.160; 48.17.250; WAC 284-17- 429, .435, .439,.443,445,449,467,473,476,483, 490)
    • Washington Laws, Rules, and Regulations Common to Property Insurance / Licensing / Penalties for noncompliance
    • Washington Laws, Rules, and Regulations Common to Property Insurance / Licensing / Penalties for noncompliance / Refusal/nonrenewal (Ref: 48.17.530, .540)
    • Washington Laws, Rules, and Regulations Common to Property Insurance / Licensing / Penalties for noncompliance / Suspension/revocation/probation (Ref: 48.17.530, .535, .540, .550)
    • Washington Laws, Rules, and Regulations Common to Property Insurance / Licensing / Penalties for noncompliance / Fines (Ref: 48.17.560)
    • Washington Laws, Rules, and Regulations Common to Property Insurance / Licensing / Penalties for noncompliance / Unlicensed activities (Ref: 48.17.063)
    • Washington Laws, Rules, and Regulations Common to Property Insurance / Licensing / Maintenance and duration of license
    • Washington Laws, Rules, and Regulations Common to Property Insurance / Licensing / Maintenance and duration of license / Renewal (Ref: WAC 284-17-423, 490; 48.14.010)
    • Washington Laws, Rules, and Regulations Common to Property Insurance / Licensing / Maintenance and duration of license / Continuing education (Ref: WAC 284-17-220-265)
    • Washington Laws, Rules, and Regulations Common to Property Insurance / Licensing / Maintenance and duration of license / Late renewal/reinstatement (Ref: WAC 284-17-490; RCW 48.17.170)
    • Washington Laws, Rules, and Regulations Common to Property Insurance / Licensing / Maintenance and duration of license / Reporting of actions (Ref: 48.17.597)
    • Washington Laws, Rules, and Regulations Common to Property Insurance / Licensing / Maintenance and duration of license / Licensing Process (Ref: WAC 284-17-, .005, .065)
    • Washington Laws, Rules, and Regulations Common to Property Insurance / Licensing / Designated Responsible Licensed Person (DRLP) (Ref: 48.17.090(3)(b), WAC284-17-603)
    • Washington Laws, Rules, and Regulations Common to Property Insurance / Marketing Practices
    • Washington Laws, Rules, and Regulations Common to Property Insurance / Marketing Practices / Unfair practices and frauds (RCW 48.30)
    • Washington Laws, Rules, and Regulations Common to Property Insurance / Marketing Practices / Unfair practices and frauds (RCW 48.30) / Trade practices (Ref: WAC284-30-300 to 380, 400, 570-590, 660,670)
    • Washington Laws, Rules, and Regulations Common to Property Insurance / Marketing Practices / Unfair practices and frauds (RCW 48.30) / Trade practices (Ref: WAC284-30-300 to 380, 400, 570-590, 660,670) / Property – Casualty (Ref: WAC284-30-300, 360, 390 to 395, WAC 284-30-500 to 560,700,750)
    • Washington Laws, Rules, and Regulations Common to Property Insurance / Marketing Practices / Unfair practices and frauds (RCW 48.30) / Producer’s Compensation Disclosure (Ref: RCW 48.17.270)
    • Washington Laws, Rules, and Regulations Common to Property Insurance / Marketing Practices / Unfair practices and frauds (RCW 48.30) / Rebating and inducements (Ref: 48.30.140-150, .170, .190)
    • Washington Laws, Rules, and Regulations Common to Property Insurance / Marketing Practices / Unfair practices and frauds (RCW 48.30) / Rebating and inducements (Ref: 48.30.140-150, .170, .190) / Twisting (Ref: 48.30.180)
    • Washington Laws, Rules, and Regulations Common to Property Insurance / Marketing Practices / Unfair practices and frauds (RCW 48.30) / Rebating and inducements (Ref: 48.30.140-150, .170, .190) / Misrepresentation (Ref: 48.30.090, .210)
    • Washington Laws, Rules, and Regulations Common to Property Insurance / Marketing Practices / Unfair practices and frauds (RCW 48.30) / Rebating and inducements (Ref: 48.30.140-150, .170, .190) / Defamation of insurer (Ref: 48.30.080)
    • Washington Laws, Rules, and Regulations Common to Property Insurance / Marketing Practices / Unfair practices and frauds (RCW 48.30) / Rebating and inducements (Ref: 48.30.140-150, .170, .190) / Discrimination (Ref: 48.30.300; 48.18.480)
    • Washington Laws, Rules, and Regulations Common to Property Insurance / Marketing Practices / Unfair practices and frauds (RCW 48.30) / Rebating and inducements (Ref: 48.30.140-150, .170, .190) / Failure to issue proper receipts (Ref: WAC284-30-550)
    • Washington Laws, Rules, and Regulations Common to Property Insurance / Marketing Practices / Unfair practices and frauds (RCW 48.30) / Rebating and inducements (Ref: 48.30.140-150, .170, .190) / Advertising (Ref: 48.30.040-.080)
    • Washington Laws, Rules, and Regulations Common to Property Insurance / Marketing Practices / Unfair practices and frauds (RCW 48.30) / Rebating and inducements (Ref: 48.30.140-150, .170, .190) / Public interest (Ref: 48.01.030; WAC284-30-355)
    • Washington Laws, Rules, and Regulations Common to Property Insurance / Marketing Practices / Unfair practices and frauds (RCW 48.30) / Producer responsibilities
    • Washington Laws, Rules, and Regulations Common to Property Insurance / Marketing Practices / Unfair practices and frauds (RCW 48.30) / Producer responsibilities / Policy delivery (Ref: WAC284-30-580; 48.18.260, 48.185.005(2))
    • Washington Laws, Rules, and Regulations Common to Property Insurance / Marketing Practices / Unfair practices and frauds (RCW 48.30) / Producer responsibilities / Premium accountability (Ref: 48.17.480)
    • Washington Laws, Rules, and Regulations Common to Property Insurance / Marketing Practices / Unfair practices and frauds (RCW 48.30) / Producer responsibilities / Separate account requirement (Ref: 48.17.480, .600; WAC284-12-080)
    • Washington Laws, Rules, and Regulations Common to Property Insurance / Marketing Practices / Unfair practices and frauds (RCW 48.30) / Producer responsibilities / Reply to the Insurance Commissioner (Ref: 48.17.475)
    • Washington Laws, Rules, and Regulations Common to Property Insurance / Marketing Practices / Unfair practices and frauds (RCW 48.30) / Producer responsibilities / Burden of determining authorization (Ref: 48.17.067)
    • Washington Laws, Rules, and Regulations Common to Property Insurance / Marketing Practices / Unfair practices and frauds (RCW 48.30) / Producer responsibilities / Display of License (Ref. 48.17.460)
    • Washington Laws, Rules, and Regulations Common to Property Insurance / Marketing Practices / Unfair practices and frauds (RCW 48.30) / Compensation of licensees
    • Washington Laws, Rules, and Regulations Common to Property Insurance / Marketing Practices / Unfair practices and frauds (RCW 48.30) / Compensation of licensees / Receiving compensation (Ref: 48.17.490)
    • Washington Laws, Rules, and Regulations Common to Property Insurance / Marketing Practices / Unfair practices and frauds (RCW 48.30) / Compensation of licensees / Charges for extra services (Ref: 48.30.157; 48.17.270)
    • Washington Laws, Rules, and Regulations Common to Property Insurance / Marketing Practices / Surplus Lines (Ref: 48.15.040)
    • Washington Laws, Rules, and Regulations Common to Property Insurance / Marketing Practices / Cancellation/Nonrenewal (Ref: 48.18.290, .2901)
    • Washington Laws, Rules, and Regulations Common to Property Insurance / Marketing Practices / Cancellation/Nonrenewal (Ref: 48.18.290, .2901) / Commercial property and casualty policies (Ref: 48.18.290, .2901)
    • Washington Laws, Rules, and Regulations Common to Property Insurance / Marketing Practices / Cancellation/Nonrenewal (Ref: 48.18.290, .2901) / Personal lines (Ref: 48.18.290, .2901)
    • Washington Laws, Rules, and Regulations Common to Property Insurance / Marketing Practices / Cancellation/Nonrenewal (Ref: 48.18.290, .2901) / Personal lines (Ref: 48.18.290, .2901) / Credit scoring – Adverse action (Ref: 48.18.545(2, 3, 4, 5))
    • Washington Laws, Rules, and Regulations Common to Property Insurance / Marketing Practices / Homeowners
    • Washington Laws, Rules, and Regulations Common to Property Insurance / Marketing Practices / Cancellation
    • Washington Laws, Rules, and Regulations Common to Property Insurance / Marketing Practices / Cancellation / By the company (Ref: 48.18.289, .290; WAC284-30-570, 700)
    • Washington Laws, Rules, and Regulations Common to Property Insurance / Marketing Practices / Cancellation / By the insured (Ref: 48.18.300)
    • Washington Laws, Rules, and Regulations Common to Property Insurance / Marketing Practices / Nonrenewal (Ref: 48.18.289, .290, .2901; WAC284-30-570, 700)
    • Washington Laws, Rules, and Regulations Common to Property Insurance / Marketing Practices / Actual reason required (Ref: WAC 284-30-570)
    • Washington Laws, Rules, and Regulations Common to Property Insurance / Marketing Practices / Applications and binders (Ref: WAC284-30-560; 48.18.070)
    • Washington Laws, Rules, and Regulations Common to Property Insurance / Marketing Practices / Applications and binders (Ref: WAC284-30-560; 48.18.070) / Binding coverage (Ref: 48.18.220-.240)
    • Washington Laws, Rules, and Regulations Common to Property Insurance / Marketing Practices / Producer responsibilities
    • Washington Laws, Rules, and Regulations Common to Property Insurance / Marketing Practices / Producer responsibilities / Required records and record retention (Ref: RCW 48.17..470)
    • Washington Laws, Rules, and Regulations Common to Property Insurance / Marketing Practices / Producer responsibilities / Place of business (Ref: RCW 48.17.450)
    • Washington Laws, Rules, and Regulations Common to Property Insurance / Marketing Practices / Producer responsibilities / Notify Commissioner of a change in address (Ref: WAC 284.17.005)
    • Washington Laws, Rules, and Regulations Common to Property Insurance / Marketing Practices / Producers’ contracts (Ref: 48.17.591, .595)
    • Washington Laws, Rules, and Regulations Common to Property Insurance / Marketing Practices / Property and Casualty Insurance Guaranty Association (Ref: 48.32.010, .020, .030, .060 (1ai), .120)
    • Washington Laws, Rules, and Regulations Common to Property Insurance / Marketing Practices / Overinsurance (Ref: 48.27.010, .020)
    • Washington Laws, Rules, and Regulations Common to Property Insurance / Marketing Practices / Fair access to insurance requirements plan (Ref: WAC284-19-010, 020, 050, 060,070, 080, 100, 110, 120, 130, 165)
  • General Insurance Concepts (14 items)
    • Risk
    • Risk / Methods of Handling Risk (e.g., Avoidance, Retention, Sharing, Reduction, Transfer)
    • Risk / Elements of Insurable Risks
    • Risk / Definitions (e.g., Risk, Hazard, Peril, Loss)
    • Classifications of Insurers
    • Classifications of Insurers / Mutual, Stock
    • Classifications of Insurers / Admitted, Non-Admitted
    • Classifications of Insurers / Foreign, Domestic, Alien
    • Elements of a Contract
    • Elements of a Contract / Consideration
    • Elements of a Contract / Competent Parties
    • Elements of a Contract / Legal Purpose
    • Elements of a Contract / Offer
    • Elements of a Contract / Acceptance
    • Authority and Powers of Producers -Definitions
    • Authority and Powers of Producers -Definitions / Express
    • Authority and Powers of Producers -Definitions / Implied
    • Authority and Powers of Producers -Definitions / Apparent
    • Authority and Powers of Producers -Definitions / The Law of Agency
    • Legal Interpretations Affecting Contracts
    • Legal Interpretations Affecting Contracts / Reasonable Expectations
    • Legal Interpretations Affecting Contracts / Indemnity
    • Legal Interpretations Affecting Contracts / Good Faith
    • Legal Interpretations Affecting Contracts / Fraud
    • Legal Interpretations Affecting Contracts / Warranties, Representations, Misrepresentations, and Concealment
  • Property Insurance Basics (22 items)
    • Insurable Interest
    • Underwriting (Purpose, Process, Results)
    • Rate Development
    • Rate Development / Types
    • Rate Development / Components
    • Rate Development / Basis
    • Types of Hazards
    • Types of Hazards / Moral
    • Types of Hazards / Morale
    • Types of Hazards / Physical
    • Types of Perils
    • Types of Perils / Named
    • Types of Perils / Open
    • Types of Loss
    • Types of Loss / Direct
    • Types of Loss / Indirect
    • Loss Valuation
    • Loss Valuation / Actual Cash Value
    • Loss Valuation / Replacement Cost
    • Loss Valuation / Market Value
    • Loss Valuation / Agreed Value
    • Loss Valuation / Valued Policy
    • Loss Valuation / Functional Replacement Cost
    • Policy Structure
    • Policy Structure / Declarations
    • Policy Structure / Definitions
    • Policy Structure / Insuring Agreement
    • Policy Structure / Additional/Supplementary Coverage
    • Policy Structure / Conditions
    • Policy Structure / Exclusions
    • Policy Structure / Endorsements
    • Policy Clauses
    • Policy Clauses / Insureds
    • Policy Clauses / Policy Period
    • Policy Clauses / Policy Territory
    • Policy Clauses / Cancellation and Non-Renewal
    • Policy Clauses / Deductibles
    • Policy Clauses / Other insurance
    • Policy Clauses / Other insurance / Nonconcurrency
    • Policy Clauses / Other insurance / Primary and Excess
    • Policy Clauses / Other insurance / Pro Rata
    • Policy Clauses / Other insurance / Contribution by Equal Shares
    • Coinsurance
    • Coinsurance / Purpose
    • Coinsurance / Definition
    • Coinsurance / Calculation
    • Coinsurance / Penalties
    • Coinsurance / Total versus Partial Loss
    • Specific, Scheduled, and Blanket Insurance
    • Vacant versus Unoccupied
    • Named Insured Provisions
    • Named Insured Provisions / First Named Insured versus Other Insureds
    • Named Insured Provisions / Duties After Loss
    • Named Insured Provisions / Assignment
    • Named Insured Provisions / Waiver of Rights
    • Insurer Provisions
    • Insurer Provisions / Liberalization
    • Insurer Provisions / Subrogation
    • Insurer Provisions / Claim Settlement Options
    • Insurer Provisions / Duty to Defend
    • Third-Party Provisions
    • Third-Party Provisions / Standard Mortgage Clause
    • Third-Party Provisions / Loss Payable Clause
    • Third-Party Provisions / No Benefit to the Bailee
  • Dwelling Policy Concepts (3 items)
    • Purpose and Eligibility
    • Perils Insured Against
    • Perils Insured Against / Basic
    • Perils Insured Against / Broad
    • 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 Expenses
    • Property Coverages / Other Coverages
    • Dwelling Property Conditions
    • Dwelling Property Exclusions
    • Dwelling Property Endorsements
    • Personal Liability Supplement
    • Personal Liability Supplement / Coverage L - Personal Liability
    • Personal Liability Supplement / Coverage M - Medical Payments to Others
  • Homeowners Policy Concepts (11 items)
    • Definitions
    • Eligibility and Purpose
    • Homeowners Policy Coverage Forms
    • Homeowners Policy Coverage Forms / Broad (HO-2)
    • Homeowners Policy Coverage Forms / Special (HO-3)
    • Homeowners Policy Coverage Forms / Contents Broad (HO-4)
    • Homeowners Policy Coverage Forms / Comprehensive (HO-5)
    • Homeowners Policy Coverage Forms / Unit-Owners (HO-6)
    • Homeowners Policy Coverage Forms / Modified Coverages (HO-8)
    • 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
    • Homeowners Policy Exclusions
    • Homeowners Policy Exclusions / Section I-Property covered exclusions
    • Homeowners Policy Exclusions / Section II - Liability covered exclusions
    • Homeowners Policy Conditions
    • Homeowners Policy Endorsements
    • Homeowners Policy Endorsements / Business Pursuits
    • Homeowners Policy Endorsements / Earthquake
    • Homeowners Policy Endorsements / Home Day Care
    • Homeowners Policy Endorsements / Personal Injury
    • Homeowners Policy Endorsements / Personal Property Replacement Cost
    • Homeowners Policy Endorsements / Watercraft
    • Homeowners Policy Endorsements / Ordinance or Law
    • Scheduled Personal Property / Personal Articles Floater
  • Commercial Property Policies (9 items)
    • Commercial Package Policy
    • Commercial Package Policy / Purpose
    • Commercial Package Policy / Definition
    • Commercial Package Policy / Coverages
    • Commercial Package Policy / Coverage extensions
    • Commercial Policy Components
    • Commercial Policy Components / Declarations
    • Commercial Policy Components / Conditions
    • Commercial Policy Components / Insuring Agreements
    • Commercial Policy Components / Exclusions
    • Commercial Property Forms
    • Commercial Property Forms / Coverage Forms for Building and Business Personal Property
    • Commercial Property Forms / Builders Risk
    • Commercial Property Forms / Business Income
    • Commercial Property Forms / Extra Expense
    • Commercial Property Forms / Legal Liability
    • Commercial Property Forms / Cause of Loss Forms
    • Commercial Property Forms / Commercial Crime
    • Commercial Property Endorsements
    • Commercial Property Endorsements / Ordinance or Law
    • Commercial Property Endorsements / Peak Season Limit of Insurance
    • Commercial Property Endorsements / Spoilage
    • Commercial Property Endorsements / Value Reporting Form
    • Commercial Property Endorsements / Earthquake
    • Commercial Property Endorsements / Equipment Breakdown Coverages
    • Commercial Inland Marine - purpose
    • Ocean Marine (Distinction Between Inland and Ocean)
    • Farm Coverage
    • Farm Coverage / Farm Property Coverage Form
    • Farm Coverage / Farm Property Coverage Form / Coverage A - Dwellings
    • Farm Coverage / Farm Property Coverage Form / Coverage B - Other Private Structures
    • Farm Coverage / Farm Property Coverage Form / Coverage C - Household Personal Property
    • Farm Coverage / Farm Property Coverage Form / Coverage D - Loss of Use
    • Farm Coverage / Farm Property Coverage Form / Coverage E - Scheduled Farm Personal Property
    • Farm Coverage / Farm Property Coverage Form / Coverage F - Unscheduled Farm Personal Property
    • Farm Coverage / Farm Property Coverage Form / Coverage G - Other Farm Structures
    • Farm Coverage / Farm Property Coverage Form / Coverage H - Bodily Injury and Property Damage Liability
    • Farm Coverage / Farm Property Coverage Form / Coverage I - Personal and Advertising Injury Liability
    • Farm Coverage / Farm Property Coverage Form / Coverage J - Medical Payments
  • Businessowners Policy (5 items)
    • Characteristics and purpose
    • Businessowners Section I — Property
    • Businessowners Section I — Property / Coverage
    • Businessowners Section I — Property / Exclusions
    • Businessowners Section I — Property / Limits of insurance
    • Businessowners Section I — Property / Deductibles
    • Businessowners Section I — Property / Loss conditions
    • Businessowners Section I — Property / General conditions
    • Businessowners Section I — Property / Optional coverages
    • Businessowners Section I — Property / Definitions
    • Businessowners Section II — Liability
    • Businessowners Section II — Liability / Coverages
    • Businessowners Section II — Liability / Exclusions
    • Businessowners Section II — Liability / Who is an insured
    • Businessowners Section II — Liability / Limits of insurance
    • Businessowners Section II — Liability / General conditions
    • Businessowners Section II — Liability / Definitions
  • Other Types of Property Insurance - Purpose and General Characteristics (3 items)
    • Mobile Home Policy (Insuring Agreement)
    • Earthquake Insurance (Insuring Agreement)
    • Earthquake Insurance (Insuring Agreement) / Deductible
    • Flood Insurance
    • Watercraft
Examination sources