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Rhode Island Casualty Insurance — Requirements & Free Practice

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Licenses, application pathways and examination requirements

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

Rhode Island Insurance Producer Business Entity License

Voluntary entity license; individual sellers, solicitors and negotiators retain their own individual licensing obligation.

Licensing authority: Department of Business Regulation · Application information

Voluntary nonresident business entity issuance
No examination is required for this applicant pathway.
Application
Apply at NIPR and pay the appropriate fee.
Designated producer
Provide at least one designated responsible licensed producer with an active resident or nonresident Rhode Island license; DBR states that DRLPs need not cumulatively cover the entity’s lines of authority.
Entity residence
nonresident
Voluntary
A separate entity license is voluntary for an ordinary producer business; the individuals selling, soliciting or negotiating must hold individual licenses.

Official no-examination sources

Effective from 2026-09-22.

Voluntary business entity renewal
No examination is required for this applicant pathway.
Application
Apply at NIPR and pay the appropriate fee.
Designated producer
Provide at least one designated responsible licensed producer with an active resident or nonresident Rhode Island license; DBR states that DRLPs need not cumulatively cover the entity’s lines of authority.
Voluntary
A separate entity license is voluntary for an ordinary producer business; the individuals selling, soliciting or negotiating must hold individual licenses.

Official no-examination sources

Effective from 2026-09-22.

Voluntary resident business entity issuance
No examination is required for this applicant pathway.
Application
Apply at NIPR and pay the appropriate fee.
Designated producer
Provide at least one designated responsible licensed producer with an active resident or nonresident Rhode Island license; DBR states that DRLPs need not cumulatively cover the entity’s lines of authority.
Entity residence
resident
Voluntary
A separate entity license is voluntary for an ordinary producer business; the individuals selling, soliciting or negotiating must hold individual licenses.

Official no-examination sources

Effective from 2026-09-22.

Insurance Producer — Casualty

An insurance producer license with casualty authority covering legal liability, including death, injury, disability, or damage to real or personal property; property and personal lines are separately listed lines of authority.

Licensing authority: Department of Business Regulation, Division of Insurance · Application information

Nonresident reciprocal issuance
No examination is required for this applicant pathway.
Application
Submit a proper request and the home-state application or the uniform application and pay applicable fees; apply online at NIPR.
Home state license
Current resident casualty insurance producer license in good standing in the applicant’s home state.
Reciprocity
The home state awards Rhode Island residents nonresident producer licenses on the same basis.
Waiver
§ 27-2.4-17(a) waives requirements other than § 27-2.4-10 for a qualifying reciprocal applicant. A license held elsewhere is an applicant condition.

Official no-examination sources

Effective from 2026-09-22.

Nonresident reinstatement within one year
No examination is required for this applicant pathway.
Application
Complete the online renewal application with license number and NPN; DBR’s form lists $130 renewal plus $50 late fee.
Background disclosures
Supply a written explanation and documentation for previously unreported affirmative background responses.
Home state license
Current resident casualty insurance producer license in good standing in the applicant’s home state.
Late fee dbr instruction
The undated DBR reinstatement form describes its processing window as 30–365 days after expiration and lists a $50 late fee in addition to the renewal fee. This administrative fee statement is retained alongside the different statutory penalty statement.
Late penalty statute
§ 27-2.4-9(c) states: "A penalty in the amount of double the unpaid renewal fee shall be required for any renewal fee received after the due date."
Reciprocity
The home state awards Rhode Island residents nonresident producer licenses on the same basis.
Time limit
Within 12 months of the renewal due date (§ 27-2.4-9(c)). The CE rule says a license cannot be reinstated more than one year after expiration.
Waiver
§ 27-2.4-17(a) waives requirements other than § 27-2.4-10 for a qualifying reciprocal applicant. A license held elsewhere is an applicant condition.

Official no-examination sources

Effective from 2026-09-22.

Nonresident renewal
No examination is required for this applicant pathway.
Application
Submit a proper request and the home-state application or the uniform application and pay applicable fees; apply online at NIPR.
Background disclosures
Provide explanation and supporting documents for affirmative background questions not previously disclosed.
Continuing education
Home-state CE satisfies Rhode Island CE if that state recognizes Rhode Island compliance reciprocally (§ 27-2.4-17(b)).
Home state license
Current resident casualty insurance producer license in good standing in the applicant’s home state.
Reciprocity
The home state awards Rhode Island residents nonresident producer licenses on the same basis.
Waiver
§ 27-2.4-17(a) waives requirements other than § 27-2.4-10 for a qualifying reciprocal applicant. A license held elsewhere is an applicant condition.

Official no-examination sources

Effective from 2026-09-22.

Renewal relief for military service or other extenuating circumstances
No examination is required for this applicant pathway.
Discretion
May request waiver of renewal procedures, any examination requirement, fine or sanction under § 27-2.4-9(d). The statute does not identify a separate examination for this relief route.
Eligibility
A licensed producer cannot comply with renewal procedures because of military service or another extenuating circumstance such as long-term medical disability.
Usual renewal
Ordinary license continuation depends on the fee and resident-individual education requirements, subject to approved relief.

Official no-examination sources

Effective from 2026-09-22.

Resident addition of the casualty line
Casualty Producer
Age
At least 18 years old (§ 27-2.4-8(a)(1)).
Amendment application
DBR’s instructions direct applicants to add a line of authority at NIPR with a $50 fee.
Application
Submit the uniform application with statements declared true, correct and complete; pay applicable fees (§ 27-2.4-8(a)).
Background check
Obtain a Rhode Island Attorney General BCI report valid for 30 days; email it to DBR with the NIPR transaction number (DBR licensing instructions).
Disciplinary eligibility
No act constituting a ground for denial, suspension or revocation under § 27-2.4-14.
Errors and omissions
Carry $250,000 per claim and $500,000 annual aggregate E&O coverage; licensed-firm coverage may satisfy this. Direct insurance-company employees are excepted; DBR may give a written exemption while no insurance is sold, solicited or negotiated (§ 27-2.4-23).
Existing license
Already holds a Rhode Island insurance producer license and is adding casualty authority; any applicable § 27-2.4-11 exemption is retained.
Prelicensing education
DBR’s resident checklist states that there is no statutory pre-licensing requirement.
Residency
Resident means a person who resides in Rhode Island or maintains a Rhode Island insurance-producing office and designates Rhode Island as the licensing residence (§ 27-2.4-2(16)).
Resident initial licensure by examination
Casualty Producer
Age
At least 18 years old (§ 27-2.4-8(a)(1)).
Application
Submit the uniform application with statements declared true, correct and complete; pay applicable fees (§ 27-2.4-8(a)).
Application timing
Apply at NIPR 3–5 days after passing so the examination result can be validated electronically; DBR’s FAQ, verified through server-side access in this session, states that the passing score may be used to apply for up to one year.
Background check
Obtain a Rhode Island Attorney General BCI report valid for 30 days; email it to DBR with the NIPR transaction number (DBR licensing instructions).
Disciplinary eligibility
No act constituting a ground for denial, suspension or revocation under § 27-2.4-14.
Errors and omissions
Carry $250,000 per claim and $500,000 annual aggregate E&O coverage; licensed-firm coverage may satisfy this. Direct insurance-company employees are excepted; DBR may give a written exemption while no insurance is sold, solicited or negotiated (§ 27-2.4-23).
Exam exemption
This route applies when no exemption in § 27-2.4-11 applies.
Line selection
This route is for the casualty line. The handbook’s instruction that first-time P&C candidates must register for both Property and Casualty applies to applicants requesting both lines, not to an additional statutory requirement for casualty-only authority.
Prelicensing education
DBR’s resident checklist states that there is no statutory pre-licensing requirement.
Residency
Resident means a person who resides in Rhode Island or maintains a Rhode Island insurance-producing office and designates Rhode Island as the licensing residence (§ 27-2.4-2(16)).
Resident issuance based on prior same line licensure
No examination is required for this applicant pathway.
Age
At least 18 years old (§ 27-2.4-8(a)(1)).
Application
Submit the uniform application with statements declared true, correct and complete; pay applicable fees (§ 27-2.4-8(a)).
Background check
Obtain a Rhode Island Attorney General BCI report valid for 30 days; email it to DBR with the NIPR transaction number (DBR licensing instructions).
Disciplinary eligibility
No act constituting a ground for denial, suspension or revocation under § 27-2.4-14.
Errors and omissions
Carry $250,000 per claim and $500,000 annual aggregate E&O coverage; licensed-firm coverage may satisfy this. Direct insurance-company employees are excepted; DBR may give a written exemption while no insurance is sold, solicited or negotiated (§ 27-2.4-23).
Exam and education waiver
§ 27-2.4-11(a) excuses pre-licensing education and examination.
Good standing
Prior-state certification or NAIC database records must show good standing for the requested line at cancellation or currently, as applicable.
Prelicensing education
DBR’s resident checklist states that there is no statutory pre-licensing requirement.
Prior license
Previously licensed for the same casualty line in another state; currently licensed there, or Rhode Island receives the application within 90 days of cancellation.
Residency
Resident means a person who resides in Rhode Island or maintains a Rhode Island insurance-producing office and designates Rhode Island as the licensing residence (§ 27-2.4-2(16)).
State law certification
Certify knowledge of Rhode Island law applicable to insurance producers; the statute identifies a certification, not a separate named examination.

Official no-examination sources

Effective from 2026-09-22.

Resident new application after the reinstatement window
Casualty Producer
Age
At least 18 years old (§ 27-2.4-8(a)(1)).
Application
Submit the uniform application with statements declared true, correct and complete; pay applicable fees (§ 27-2.4-8(a)).
Background check
Obtain a Rhode Island Attorney General BCI report valid for 30 days; email it to DBR with the NIPR transaction number (DBR licensing instructions).
Disciplinary eligibility
No act constituting a ground for denial, suspension or revocation under § 27-2.4-14.
Errors and omissions
Carry $250,000 per claim and $500,000 annual aggregate E&O coverage; licensed-firm coverage may satisfy this. Direct insurance-company employees are excepted; DBR may give a written exemption while no insurance is sold, solicited or negotiated (§ 27-2.4-23).
Expired license
A former license expired more than one year ago; the CE rule forbids reinstatement after one year. Apply under the ordinary resident issuance requirements, subject to any currently applicable § 27-2.4-11 exemption.
Passing score
A currently offered licensing examination remains the leaf even if a usable passing score has already been obtained; a new sitting is applicant-specific.
Prelicensing education
DBR’s resident checklist states that there is no statutory pre-licensing requirement.
Residency
Resident means a person who resides in Rhode Island or maintains a Rhode Island insurance-producing office and designates Rhode Island as the licensing residence (§ 27-2.4-2(16)).
Resident reinstatement within one year
No examination is required for this applicant pathway.
Application
Complete the online renewal application with the resident license number and NPN; DBR’s form lists $120 renewal plus $50 late fee.
Background disclosures
Supply a written explanation and documentation for previously unreported affirmative background responses.
Continuing education
Unless exempt under 230-RICR-20-50-2 § 2.5, complete 24 credits including 3 ethics credits for each biennial period. The rule permits up to 12 excess general credits to carry forward and good-cause extensions. CE course completion is a condition, not a separate licensing examination.
Credits
All required CE credits must be completed before reinstatement and the licensing record must be compliant.
Late fee dbr instruction
The undated DBR reinstatement form describes its processing window as 30–365 days after expiration and lists a $50 late fee in addition to the renewal fee. This administrative fee statement is retained alongside the different statutory penalty statement.
Late penalty statute
§ 27-2.4-9(c) states: "A penalty in the amount of double the unpaid renewal fee shall be required for any renewal fee received after the due date."
Longstanding license exemption
The CE rule exempts residents licensed continuously for 25 years who are 55 at renewal; a timely reinstated license is not treated as a lapse (§ 2.5(A)(4)).
Time limit
Within 12 months of the renewal due date (§ 27-2.4-9(c)). The CE rule says a license cannot be reinstated more than one year after expiration.

Official no-examination sources

Effective from 2026-09-22.

Resident issuance or conversion following relocation
No examination is required for this applicant pathway.
Age
At least 18 years old (§ 27-2.4-8(a)(1)).
Application
Submit the uniform application with statements declared true, correct and complete; pay applicable fees (§ 27-2.4-8(a)).
Application window
Apply within 90 days of establishing legal residence under § 27-2.4-11(b).
Background check
Obtain a Rhode Island Attorney General BCI report valid for 30 days; email it to DBR with the NIPR transaction number (DBR licensing instructions).
Disciplinary eligibility
No act constituting a ground for denial, suspension or revocation under § 27-2.4-14.
Errors and omissions
Carry $250,000 per claim and $500,000 annual aggregate E&O coverage; licensed-firm coverage may satisfy this. Direct insurance-company employees are excepted; DBR may give a written exemption while no insurance is sold, solicited or negotiated (§ 27-2.4-23).
Exemption
No pre-licensing education or examination for a line previously held, except where the commissioner determines otherwise by regulation. DBR’s FAQ, independently read through the server-side fallback, confirms the exam-free process and instructs cancellation of the prior resident license; applicants without a Rhode Island license apply at least 24 hours and no more than 90 days after cancellation.
Existing rhode island nonresident license
DBR’s same FAQ states that an existing active Rhode Island nonresident license can be converted by emailed request with the new Rhode Island resident address; the expiration date does not change. The prior resident license must be cancelled or converted.
Prelicensing education
DBR’s resident checklist states that there is no statutory pre-licensing requirement.
Prior license
Held the casualty line as a producer licensed in another state and now establishes Rhode Island residence.
Residency
Resident means a person who resides in Rhode Island or maintains a Rhode Island insurance-producing office and designates Rhode Island as the licensing residence (§ 27-2.4-2(16)).

Official no-examination sources

Effective from 2026-09-22.

Resident renewal
No examination is required for this applicant pathway.
Application
Submit the NIPR renewal application and pay the renewal fee; required credits must appear on the transcript.
Background disclosures
Upload a written explanation and supporting documentation for any affirmative background response not previously disclosed.
Continuing education
Unless exempt under 230-RICR-20-50-2 § 2.5, complete 24 credits including 3 ethics credits for each biennial period. The rule permits up to 12 excess general credits to carry forward and good-cause extensions. CE course completion is a condition, not a separate licensing examination.
Longstanding license exemption
The CE rule exempts residents licensed continuously for 25 years who are 55 at renewal; a timely reinstated license is not treated as a lapse (§ 2.5(A)(4)).

Official no-examination sources

Effective from 2026-09-22.

surplus line broker license

Voluntary resident business entity form with a designated licensed surplus line broker.

Licensing authority: insurance commissioner · Application information

Resident surplus line broker business entity renewal
No examination is required for this applicant pathway.
Annual report
File the prior calendar year’s policy and premium report by April 1 under rule § 1.7.
Application
Apply at NIPR for renewal with the prescribed information and fee.
Continued qualification
Retain the applicable resident producer qualification or reciprocal home-state broker license.
Designated broker
Retain a licensed responsible surplus line broker under § 27-3-38(b).
Tax clearance
DBR obtains Division of Taxation clearance for renewal; the broker must be current on surplus-line premium-tax obligations under § 27-3-38(e) and rule § 1.8.

Official no-examination sources

Effective from 2026-09-22.

Voluntary resident surplus line broker business entity issuance
No examination is required for this applicant pathway.
Application
Submit the uniform business entity application and appropriate fees.
Designated broker
Designate a licensed surplus line broker responsible for compliance with Rhode Island insurance laws and rules.
Entity residence
Rhode Island resident business entity electing optional licensure.

Official no-examination sources

Effective from 2026-09-22.

Surplus Line Broker

Specialty broker license ancillary to casualty producer practice; resident brokers must already hold the Property & Casualty producer qualification.

Licensing authority: Department of Business Regulation, Division of Insurance · Application information

Nonresident reciprocal surplus line broker issuance
No examination is required for this applicant pathway.
Application
Submit the application at NIPR and meet § 27-2.4-10(a) reciprocity, good-standing and fee conditions.
Home state license
Hold a reciprocal resident surplus line broker license; the prior license is a condition.
Waiver
The statutory nonresident requirements are those in § 27-2.4-10(a), with the reciprocal waiver in § 27-2.4-17(a).

Official no-examination sources

Effective from 2026-09-22.

Resident surplus line broker renewal
No examination is required for this applicant pathway.
Annual report
File the prior calendar year’s policy and premium report by April 1 under rule § 1.7.
Application
Apply at NIPR for renewal with the prescribed information and fee.
Continued qualification
Retain the active Rhode Island Property & Casualty producer qualification required by 230-RICR-20-50-1 § 1.4(A).
Tax clearance
DBR obtains Division of Taxation clearance for renewal; the broker must be current on surplus-line premium-tax obligations under § 27-3-38(e) and rule § 1.8.

Official no-examination sources

Effective from 2026-09-22.

Nonresident reciprocal surplus line broker renewal
No examination is required for this applicant pathway.
Annual report
File the prior calendar year’s policy and premium report by April 1 under rule § 1.7.
Application
Apply at NIPR for renewal with the prescribed information and fee.
Continued qualification
Retain the active resident surplus line broker license in a reciprocal home state, in good standing, under § 27-2.4-10(d) and rule § 1.4(B).
Tax clearance
DBR obtains Division of Taxation clearance for renewal; the broker must be current on surplus-line premium-tax obligations under § 27-3-38(e) and rule § 1.8.

Official no-examination sources

Effective from 2026-09-22.

Resident surplus line broker issuance
No examination is required for this applicant pathway.
Application
Apply at NIPR; the implementing rule lists a $100 biennial fee.
Bond
DBR states there is no bond requirement.
Exam
DBR states there is no licensing exam for resident surplus-line applicants.
Prior license
Hold an active Rhode Island Property & Casualty insurance producer license (230-RICR-20-50-1 § 1.4(A)); this prior license is a condition.

Official no-examination sources

Effective from 2026-09-22.

temporary insurance producer license

Temporary authority to service a casualty insurance business, subject to the commissioner’s approval and the statutory 180-day limit.

Licensing authority: insurance commissioner · Application information

Temporary issuance — Surviving spouse or personal representative
No examination is required for this applicant pathway.
Applicant category
Surviving spouse or court-appointed personal representative of a producer who dies or becomes mentally or physically disabled; service permits sale of the business, recovery or return, or training and licensing replacement personnel.
Commissioner discretion
The commissioner must deem temporary authority necessary to service the business and may limit its authority or revoke it to protect the insured and public.
Duration
No more than 180 days; a license cannot continue after disposal of the business by its owner or personal representative.
Sponsor
The commissioner may require a suitable licensed producer or insurer sponsor responsible for the temporary producer’s acts and may impose similar protective requirements.

Official no-examination sources

Effective from 2026-09-22.

Temporary issuance — Business entity member or employee
No examination is required for this applicant pathway.
Applicant category
Member or employee of an entity operated by a licensed producer upon that producer’s death or disability.
Commissioner discretion
The commissioner must deem temporary authority necessary to service the business and may limit its authority or revoke it to protect the insured and public.
Duration
No more than 180 days; a license cannot continue after disposal of the business by its owner or personal representative.
Sponsor
The commissioner may require a suitable licensed producer or insurer sponsor responsible for the temporary producer’s acts and may impose similar protective requirements.

Official no-examination sources

Effective from 2026-09-22.

Temporary issuance — Military service designee
No examination is required for this applicant pathway.
Applicant category
Designee of a licensed producer entering active service in the United States armed forces.
Commissioner discretion
The commissioner must deem temporary authority necessary to service the business and may limit its authority or revoke it to protect the insured and public.
Duration
No more than 180 days; a license cannot continue after disposal of the business by its owner or personal representative.
Sponsor
The commissioner may require a suitable licensed producer or insurer sponsor responsible for the temporary producer’s acts and may impose similar protective requirements.

Official no-examination sources

Effective from 2026-09-22.

Temporary issuance — Other public interest circumstance
No examination is required for this applicant pathway.
Applicant category
Another circumstance in which the commissioner deems issuance best serves the public interest.
Commissioner discretion
The commissioner must deem temporary authority necessary to service the business and may limit its authority or revoke it to protect the insured and public.
Duration
No more than 180 days; a license cannot continue after disposal of the business by its owner or personal representative.
Sponsor
The commissioner may require a suitable licensed producer or insurer sponsor responsible for the temporary producer’s acts and may impose similar protective requirements.

Official no-examination sources

Effective from 2026-09-22.

Casualty Producer

Provider
Pearson VUE
Format
Computer-based; general and state sections; initial and retake exams scored as a whole
Exam questions
50 general scoreable questions plus 5 pretest questions; 32 state scoreable questions plus 6 pretest questions
Time limit
General: 1 hour 15 minutes; State: 45 minutes
Passing score
70 on the 0–100 scaled-score scale
Exam fee
$80
Examination outline
  • Casualty — General Knowledge: I. Types of Policies, Bonds, and Related Terms
    • A. Commercial general liability
    • A.1. Commercial general liability / Exposures
    • A.1.a. Commercial general liability / Exposures / Premises and Operations
    • A.1.b. Commercial general liability / Exposures / Products and Completed Operations
    • A.2. Commercial general liability / Coverage
    • A.2.a. Commercial general liability / Coverage / Coverage A: Bodily Injury and Property Damage Liability (Occurrence, Claims made including Retroactive Date)
    • A.2.b. Commercial general liability / Coverage / Coverage B: Personal Injury and Advertising Injury
    • A.2.c. Commercial general liability / Coverage / Coverage C: Medical Payments
    • A.2.d. Commercial general liability / Coverage / Supplemental Payments
    • A.2.e. Commercial general liability / Coverage / Who is an insured
    • A.2.f. Commercial general liability / Coverage / First named insured
    • A.2.g. Commercial general liability / Coverage / Limits (Per occurrence, Annual Aggregate)
    • A.2.h. Commercial general liability / Coverage / Damage to Property of Others
    • B. Automobile: personal auto and business auto
    • B.1. Automobile: personal auto and business auto / Liability
    • B.1.a. Automobile: personal auto and business auto / Liability / Bodily Injury
    • B.1.b. Automobile: personal auto and business auto / Liability / Property Damage
    • B.1.c. Automobile: personal auto and business auto / Liability / Split Limits
    • B.1.d. Automobile: personal auto and business auto / Liability / Combined Single Limit
    • B.2. Automobile: personal auto and business auto / Medical Payments
    • B.3. Automobile: personal auto and business auto / Physical Damage (collision; other than collision; specified perils)
    • B.4. Automobile: personal auto and business auto / Uninsured motorists
    • B.5. Automobile: personal auto and business auto / Underinsured motorists
    • B.6. Automobile: personal auto and business auto / Who is an insured
    • B.7. Automobile: personal auto and business auto / Types of Auto
    • B.7.a. Automobile: personal auto and business auto / Types of Auto / Owned
    • B.7.b. Automobile: personal auto and business auto / Types of Auto / Non-owned
    • B.7.c. Automobile: personal auto and business auto / Types of Auto / Hired
    • B.7.d. Automobile: personal auto and business auto / Types of Auto / Temporary Substitute
    • B.7.e. Automobile: personal auto and business auto / Types of Auto / Newly Acquired Autos
    • B.7.f. Automobile: personal auto and business auto / Types of Auto / Transportation Expense and Rental Reimbursement Expense
    • B.8. Automobile: personal auto and business auto / Auto Dealers Coverage Form, including Garagekeepers Insurance
    • B.9. Automobile: personal auto and business auto / Exclusions
    • B.10. Automobile: personal auto and business auto / Individual Insured and Drive Other Car (DOC)
    • B.11. Automobile: personal auto and business auto / Mobile equipment
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.)
    • C.1. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.) / Standard policy concepts
    • C.1.a. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.) / Standard policy concepts / Who is an employee/employer
    • C.1.b. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.) / Standard policy concepts / Compensation
    • C.2. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.) / Work-related vs. non-work-related
    • C.3. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.) / Other states’ insurance
    • C.4. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.) / Employers Liability
    • C.5. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.) / Exclusive remedy
    • C.6. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues (This section does not deal with specifics of state law, which are addressed elsewhere in this outline.) / Premium Determination
    • D. Crime
    • D.1. Crime / Employee Dishonesty
    • D.2. Crime / Theft
    • D.3. Crime / Robbery
    • D.4. Crime / Burglary
    • D.5. Crime / Forgery and Alteration
    • D.6. Crime / Mysterious disappearance
    • E. Bonds
    • E.1. Bonds / Surety
    • E.2. Bonds / Fidelity
    • F. Professional liability
    • F.1. Professional liability / Errors and Omissions
    • F.2. Professional liability / Medical Malpractice
    • F.3. Professional liability / Directors and Officers (D&O)
    • F.4. Professional liability / Employment Practices Liability (EPLI)
    • F.5. Professional liability / Cyber liability and data breach, funds transfer
    • F.6. Professional liability / Liquor liability
    • G. Umbrella/Excess Liability
    • H. Businessowners Policy (BOP)
  • Casualty — General Knowledge: II. Insurance Terms and Related Concepts
    • A. Risk
    • B. Hazards
    • B.1. Hazards / Moral
    • B.2. Hazards / Morale
    • B.3. Hazards / Physical
    • C. Indemnity
    • D. Insurable interest
    • E. Loss valuation
    • E.1. Loss valuation / Actual cash value
    • E.2. Loss valuation / Replacement cost
    • E.3. Loss valuation / Market value
    • E.4. Loss valuation / Stated/agreed value
    • E.5. Loss valuation / Salvage value
    • F. Negligence
    • G. Liability
    • H. Occurrence
    • I. Binders
    • J. Warranties
    • K. Representations
    • L. Concealment
    • M. Deposit Premium/Audit
    • N. Certificate of Insurance
    • O. Law of Large Numbers
    • P. Pure vs. Speculative Risk
    • Q. Endorsements
    • R. Damages
    • R.1. Damages / Compensatory
    • R.1.a. Damages / Compensatory / General
    • R.1.b. Damages / Compensatory / Special
    • R.2. Damages / Punitive
    • S. Compliance with provisions of Fair Credit Reporting Act
  • Casualty — General Knowledge: III. Policy Provisions
    • A. Declarations
    • B. Insuring agreement
    • C. Conditions
    • D. Exclusions and Limitations
    • E. Definition of the insured
    • F. Duties of the insured after a loss
    • G. Cancellation and nonrenewal provisions
    • H. Supplementary payments
    • I. Proof of loss
    • J. Notice of claim
    • K. Other insurance
    • L. Subrogation
    • M. Loss settlement provisions including consent to settle a loss
    • N. Terrorism Risk Insurance Act (TRIA)
  • I. Rhode Island Laws, Rules, and Regulations Common to Property and Casualty Insurance
    • A. Commissioner/Director
    • A.1. Commissioner/Director / Broad powers
    • A.2. Commissioner/Director / Examination of records/record retention
    • A.3. Commissioner/Director / Notice and hearing
    • A.4. Commissioner/Director / Penalties
    • B. Definitions
    • B.1. Definitions / Domestic, foreign, and alien companies
    • B.2. Definitions / Stock and mutual companies
    • B.2.a. Definitions / Stock and mutual companies / Definitions
    • B.2.b. Definitions / Stock and mutual companies / Ownership
    • B.3. Definitions / Binders/Certificates of Insurance
    • C. Licensing
    • C.1. Licensing / Licensing requirements for a producer
    • C.1.a. Licensing / Licensing requirements for a producer / Surplus lines broker
    • C.2. Licensing / Termination of license
    • C.2.a. Licensing / Termination of license / Revocation, suspension and nonrenewal
    • C.3. Licensing / Continuing Education
    • C.4. Licensing / Limited/temporary licenses
    • C.5. Licensing / Producer Compensation Disclosure
    • D. Unfair trade practices
    • D.1. Unfair trade practices / Unfair claims settlement practices
    • D.2. Unfair trade practices / Rebating
    • D.3. Unfair trade practices / Misrepresentation
    • D.4. Unfair trade practices / Defamation
    • D.5. Unfair trade practices / Unfair Discrimination
    • E. Fiduciary responsibilities
    • F. Rhode Island Property & Casualty Insurance Guaranty Association
    • F.1. Rhode Island Property & Casualty Insurance Guaranty Association / Purpose
    • F.2. Rhode Island Property & Casualty Insurance Guaranty Association / Scope
    • G. Premium financing
    • G.1. Premium financing / Definitions
    • G.2. Premium financing / Limitations on interest
    • G.3. Premium financing / Cancellation of insurance contract
    • H. Privacy of Consumer Information
  • II. Rhode Island Laws, Rules, and Regulations Pertinent to Casualty Insurance Only
    • A. Automobile insurance
    • A.1. Automobile insurance / Rhode Island Automobile Insurance Plan
    • A.1.a. Automobile insurance / Rhode Island Automobile Insurance Plan / Purpose
    • A.1.b. Automobile insurance / Rhode Island Automobile Insurance Plan / Applicants eligible for plan
    • A.1.c. Automobile insurance / Rhode Island Automobile Insurance Plan / Risks eligible for assignment
    • A.1.d. Automobile insurance / Rhode Island Automobile Insurance Plan / Application process/effective dates
    • A.1.e. Automobile insurance / Rhode Island Automobile Insurance Plan / Extent of coverage
    • A.2. Automobile insurance / Compulsory insurance
    • A.2.a. Automobile insurance / Compulsory insurance / Applicability
    • A.2.b. Automobile insurance / Compulsory insurance / Motor Vehicle Reparations Act
    • A.2.c. Automobile insurance / Compulsory insurance / Rental Vehicle Coverage
    • A.2.d. Automobile insurance / Compulsory insurance / Steering- Free Choice of Auto Repair Shop
    • A.3. Automobile insurance / Financial responsibility
    • A.3.a. Automobile insurance / Financial responsibility / Purpose and compliance
    • A.3.b. Automobile insurance / Financial responsibility / Required limits
    • A.3.c. Automobile insurance / Financial responsibility / Evidence of coverage
    • A.3.d. Automobile insurance / Financial responsibility / Uninsured motorist identification database
    • A.3.e. Automobile insurance / Financial responsibility / Definition of proof of financial responsibility and safety responsibility
    • A.4. Automobile insurance / Renewal, nonrenewal, and cancellation
    • A.4.a. Automobile insurance / Renewal, nonrenewal, and cancellation / Automobile, Liability & Property Damage: Limit on Cancellation
    • A.4.b. Automobile insurance / Renewal, nonrenewal, and cancellation / Personal Automobile Cancellation & Renewal
    • A.4.c. Automobile insurance / Renewal, nonrenewal, and cancellation / Commercial Insurance Cancellation, Nonrenewal & Premium or Coverage Changes
    • A.4.d. Automobile insurance / Renewal, nonrenewal, and cancellation / Personal Motor Vehicle, HO & Residential Fire
    • A.5. Automobile insurance / Uninsured/Underinsured motorists
    • B. Workers Compensation
    • B.1. Workers Compensation / Applicability
    • B.2. Workers Compensation / Benefits
    • B.3. Workers Compensation / Workers’ Compensation Insurance Fund
    • B.3.a. Workers Compensation / Workers’ Compensation Insurance Fund / Creation
    • B.3.b. Workers Compensation / Workers’ Compensation Insurance Fund / Insurance Coverage Program
    • C. Liability/Medical malpractice
    • C.1. Liability/Medical malpractice / Definition
    • C.2. Liability/Medical malpractice / Medical Malpractice Joint Underwriting Association (MMJUA)
    • C.3. Liability/Medical malpractice / Policy forms and rates
    • C.4. Liability/Medical malpractice / Procedures
Examination sources