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Pennsylvania Producer's Examination Casualty Insurance — Information & Free Practice

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Pennsylvania Producer's Examination Casualty Insurance

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