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Delaware Personal Lines Insurance — Requirements & Free Practice

US-DE · License preparation

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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.

Delaware Business Entity Producer License — Personal Lines

Business-entity producer authority for personal lines, with a designated responsible licensed producer.

Licensing authority: Insurance Commissioner · Application information

Nonresident business entity producer licensing by reciprocity
No examination is required for this applicant pathway.
Application
Submit the prescribed application and fees.
Home license
The entity must hold its resident producer license in good standing in a reciprocating home state.
Responsible producer
Designate the licensed responsible producer required by section 1706(f), with the relevant personal-lines authority.

Official no-examination sources

Effective from 2026-09-22.

Nonresident business entity license renewal
No examination is required for this applicant pathway.
Renewal
Submit the electronic renewal application and pay the applicable renewal fee on the resident or nonresident biennial schedule.
Residency
Nonresident business entity; maintain applicable home-state reciprocity for a nonresident license.
Responsible producer
Maintain an active designated responsible producer in good standing for the requested personal-lines authority.

Official no-examination sources

Effective from 2026-09-22.

Business entity reapplication following lapse, cancellation or revocation
No examination is required for this applicant pathway.
Application
Apply anew under the exhaustive business-entity criteria of section 1706(f) and pay the applicable fees.
Discipline
If revoked, observe the minimum twelve-month revocation period; the section 1712(g) prohibition after two revocations or suspensions also applies.
Responsible producer
Designate an active licensed producer in good standing for the requested personal-lines authority.

Official no-examination sources

Effective from 2026-09-22.

Resident business entity producer licensing
No examination is required for this applicant pathway.
Application
Submit the prescribed Uniform Business Entity Application through NIPR and pay the applicable fee.
License status
If the designated licensee is no longer active, the business-entity license is immediately suspended until a responsible licensee in good standing is designated.
Responsible producer
Designate a licensed producer responsible for compliance with Delaware insurance laws, rules and regulations; that producer must hold the relevant personal-lines authority.

Official no-examination sources

Effective from 2026-09-22.

Resident business entity license renewal
No examination is required for this applicant pathway.
Renewal
Submit the electronic renewal application and pay the applicable renewal fee on the resident or nonresident biennial schedule.
Residency
Resident business entity; maintain applicable home-state reciprocity for a nonresident license.
Responsible producer
Maintain an active designated responsible producer in good standing for the requested personal-lines authority.

Official no-examination sources

Effective from 2026-09-22.

Business entity restoration after loss of responsible producer
No examination is required for this applicant pathway.
Replacement
Designate a responsible licensed producer in good standing for the entity’s personal-lines authority; section 1706(f) suspends the entity only until such a licensee is designated.

Official no-examination sources

Effective from 2026-09-22.

Business entity reinstatement following suspension
No examination is required for this applicant pathway.
Responsible producer
Maintain or appoint a designated responsible licensed personal-lines producer in good standing.
Terms
Complete the Commissioner’s imposed reinstatement terms and conditions, or receive discretionary earlier reinstatement.

Official no-examination sources

Effective from 2026-09-22.

Insurance Producer License — Personal Lines

Individual producer authority for personal-lines property and casualty coverage sold to individuals and families for noncommercial purposes; resident and nonresident pathways.

Licensing authority: Delaware Department of Insurance · Application information

Addition of personal lines authority to an existing resident producer license
DE Personal Lines Producer
Existing license
The applicant already holds a resident producer license and seeks the additional personal-lines authority under section 1707(a)(6).
Prior same line
Section 1709(a) supplies an examination exemption for qualifying same-line licensing in another state.
Requested line
Section 1706(a)(4) requires successful examination for each requested line unless this chapter specifically exempts the applicant.
Score validity
Personal-lines examination score reports are valid for twelve months under section 1705(e).
Reinstatement following suspension shorter than twelve months
No examination is required for this applicant pathway.
Appointments
An insurer may terminate an appointment notwithstanding license reinstatement.
Education and fines
For a continuing-education suspension, satisfy education in arrears and pay imposed administrative fines within twelve months.
Suspension
A suspension shorter than twelve months; complete the Commissioner’s imposed terms and conditions or obtain discretionary earlier reinstatement.

Official no-examination sources

Effective from 2026-09-22.

Nonresident reinstatement after lapse within twelve months
No examination is required for this applicant pathway.
Continuing education
Provide evidence of all continuing-education requirements for the relevant renewal period; nonresident applicants retain applicable reciprocal home-state requirements.
Penalties
Pay the double unpaid renewal fee within the first six-month grace period and applicable civil penalties in the second six-month grace period.
Time limit
Reapply for the same license within 12 months after the renewal-fee or continuing-education due date.

Official no-examination sources

Effective from 2026-09-22.

Nonresident reapplication after lapse beyond twelve months
No examination is required for this applicant pathway.
Application
Reapply under section 1708 and pay required fees and outstanding civil penalties; the section 1707(g) twelve-month grace period has expired.
Home license
Hold a current home-state resident personal-lines license in good standing.
Reciprocity
The home state grants Delaware applicants reciprocal nonresident licenses.

Official no-examination sources

Effective from 2026-09-22.

Nonresident reapplication after revocation
No examination is required for this applicant pathway.
Home license
The applicant currently holds the same line in another state, meeting section 1709(a)’s examination exemption and the section 1708/1717 reciprocal nonresident qualifications.
Other requirements
Pay required fees, satisfy fitness and other applicable requirements, and provide the required prior-license evidence.
Repeat discipline
Relicensure is barred after two occasions of suspension or revocation under section 1712(g).
Revocation period
Revocation lasts at least twelve months under section 1702(19); reapplication must satisfy applicable section 1706 requirements.

Official no-examination sources

Effective from 2026-09-22.

Nonresident licensure by reciprocity
No examination is required for this applicant pathway.
Application
Submit the prescribed request or Uniform Application and applicable fee.
Home license
Currently licensed as a resident for the requested personal-lines authority and in good standing in the home state.
Reciprocity
The home state must award nonresident licenses to Delaware residents on the same basis.
Waiver
Section 1717(a) waives requirements other than section 1708 for qualifying reciprocal nonresident applicants.

Official no-examination sources

Effective from 2026-09-22.

Nonresident license renewal
No examination is required for this applicant pathway.
Continuing education
Satisfy home-state continuing education where reciprocity applies; section 1717(b) recognizes reciprocal home-state compliance.
Renewal
Pay the renewal fee and submit the electronic renewal application; resident licenses renew by February 28 of even years and nonresident licenses by February 28 of odd years.
Status
The license must not be revoked or suspended.

Official no-examination sources

Effective from 2026-09-22.

Resident licensure by examination
DE Personal Lines Producer
Age
At least 18 years of age (18 Del. C. § 1706(a)(1)).
Application
Apply electronically through NIPR using the prescribed application, declare the information true, correct and complete, and pay the applicable license fee.
Criminal history
Resident-license applicants must submit fingerprints through the Delaware State Bureau of Identification for state and FBI criminal-history reports; the Department’s licensing instructions require reports dated within 90 days of receipt.
Examination portions
Pass both the general-content and state statutes/regulations portions. A failed portion must be passed within one year of passing the first portion; otherwise retake the entire examination.
Fitness
No act constituting a ground for denial, suspension or revocation under section 1712.
Prelicensing education
The Department does not require prelicensing education; preparation is encouraged.
Qualifying residency
Reside in Delaware or work for a licensed insurance business with a Delaware physical location open to the public; registered-agent services and a Delaware postal box do not establish residency.
Score validity
Examination score reports are valid for 12 months from the examination date (section 1705(e)).
Resident reinstatement after lapse within twelve months
No examination is required for this applicant pathway.
Continuing education
Provide evidence of all continuing-education requirements for the relevant renewal period; nonresident applicants retain applicable reciprocal home-state requirements.
Penalties
Pay the double unpaid renewal fee within the first six-month grace period and applicable civil penalties in the second six-month grace period.
Time limit
Reapply for the same license within 12 months after the renewal-fee or continuing-education due date.

Official no-examination sources

Effective from 2026-09-22.

Resident licensure by prior same line licensing
No examination is required for this applicant pathway.
Exam exemption
Section 1709(a) exempts the qualifying applicant from prelicensing education and examination.
Prior license
Previously licensed for personal lines in another state; currently licensed there, or apply within 90 days after cancellation with certification or NAIC database evidence that the prior license was in good standing.
Qualification
Satisfy the other resident-license conditions of section 1706, including qualifying residence or employment, age, fitness, criminal-history reports, application and fees.

Official no-examination sources

Effective from 2026-09-22.

Resident reapplication after lapse beyond twelve months
DE Personal Lines Producer
Age
At least 18 years of age (18 Del. C. § 1706(a)(1)).
Application
Apply electronically through NIPR using the prescribed application, declare the information true, correct and complete, and pay the applicable license fee.
Criminal history
Resident-license applicants must submit fingerprints through the Delaware State Bureau of Identification for state and FBI criminal-history reports; the Department’s licensing instructions require reports dated within 90 days of receipt.
Fitness
No act constituting a ground for denial, suspension or revocation under section 1712.
Penalties
Pay any outstanding civil fine imposed for failure to renew or timely surrender.
Prior lapse
The section 1707(g) examination-free grace period has expired; reapply under the ordinary resident-license requirements.
Score validity
Examination score reports are valid for 12 months from the examination date (section 1705(e)).
Waiver
Section 1707(h) allows a request to waive examination requirements, procedures, fines or sanctions for military service or other extenuating circumstances.
Resident reapplication after cancellation shorter than twelve months
DE Personal Lines Producer
Age
At least 18 years of age (18 Del. C. § 1706(a)(1)).
Application
Apply electronically through NIPR using the prescribed application, declare the information true, correct and complete, and pay the applicable license fee.
Criminal history
Resident-license applicants must submit fingerprints through the Delaware State Bureau of Identification for state and FBI criminal-history reports; the Department’s licensing instructions require reports dated within 90 days of receipt.
Exemption
A qualifying prior same-line license in another state may provide the exemption in section 1709(a).
Fitness
No act constituting a ground for denial, suspension or revocation under section 1712.
Prior status
The resident license was canceled for less than twelve months; apply under section 1706. Section 1705(e) limits the validity of examination score reports to twelve months.
Score validity
Examination score reports are valid for 12 months from the examination date (section 1705(e)).
Resident reapplication after cancellation, suspension or revocation lasting at least twelve months
DE Personal Lines Producer
Continuing education
The newly licensed continuing-education exemption in Regulation 504 section 8.2.5 does not apply.
Other requirements
Satisfy the application, age, fitness, criminal-history, fee and applicable examination-score-validity requirements.
Prior status
The resident license was canceled, suspended or revoked for at least twelve months; comply anew with section 1706, including retaking the personal-lines examination.
Repeated discipline
Section 1712(g) bars relicensure after two occasions of revocation or suspension.
Waivers
A licensee unable to comply due to military service or other extenuating circumstances may request a waiver of examination requirements and sanctions under section 1707(h).
Resident licensure after moving to Delaware
No examination is required for this applicant pathway.
Exam exemption
No prelicensing education or examination is required for the line previously held, except as the Commissioner determines otherwise by regulation.
Good standing
Provide the prior-state licensing and good-standing evidence required by section 1709(a), where the former license has been canceled.
Other requirements
Comply with section 1706 resident-licensing requirements.
Relocation
Previously licensed for personal lines in another state and apply within 90 days of establishing legal residence in Delaware.

Official no-examination sources

Effective from 2026-09-22.

Resident license renewal
No examination is required for this applicant pathway.
Continuing education
Complete 24 Department-approved continuing-education credit hours per biennium, including 3 ethics hours; a licensee writing NFIP flood insurance must include the specified 2-hour flood course. Apply the rule’s newly licensed, automatic-credit, extension and waiver provisions as applicable.
Renewal
Pay the renewal fee and submit the electronic renewal application; resident licenses renew by February 28 of even years and nonresident licenses by February 28 of odd years.
Status
The license must not be revoked or suspended.

Official no-examination sources

Effective from 2026-09-22.

Nonresident Limited Lines Producer License

Only the restricted personal-lines authority granted by the applicant’s home-state limited license, narrower than the full personal-lines major line under section 1707(a)(6).

Licensing authority: Department of Insurance · Application information

Nonresident restricted personal lines reinstatement within twelve months of lapse
No examination is required for this applicant pathway.
Fees and education
Satisfy applicable late-fee, penalty and education requirements.
Home license
Maintain the qualifying home-state limited-lines authority and good standing.
Time limit
Reapply for the same individual license within the twelve-month statutory grace period.

Official no-examination sources

Effective from 2026-09-22.

Nonresident restricted personal lines licensing
No examination is required for this applicant pathway.
Application
Submit the prescribed application and fees under section 1708(a).
Home license
Hold a resident limited-lines producer license in good standing; its authority restricts personal-lines coverage to less than the full section 1707(a)(6) line.
Reciprocity
The home state awards nonresident licenses to Delaware residents on the same basis.
Scope
Delaware grants only the scope of authority granted by the home-state limited license.

Official no-examination sources

Effective from 2026-09-22.

Nonresident restricted personal lines reapplication after long lapse or revocation
No examination is required for this applicant pathway.
Application
Reapply under section 1708(a) with prescribed application, fees and outstanding penalties.
Discipline
Any minimum revocation period and the bar after two suspensions or revocations continue to apply.
Home license
Hold the qualifying resident limited-lines personal-lines license in good standing in a reciprocating home state.

Official no-examination sources

Effective from 2026-09-22.

Nonresident restricted personal lines renewal
No examination is required for this applicant pathway.
Home license
Maintain the qualifying home-state limited-lines personal-lines authority in good standing.
Renewal
Submit the electronic renewal and pay fees on the nonresident biennial schedule; maintain applicable reciprocal home-state continuing education.
Scope
Continue only the home-state license’s restricted scope.

Official no-examination sources

Effective from 2026-09-22.

Nonresident restricted personal lines reinstatement after suspension
No examination is required for this applicant pathway.
Home license
Maintain the qualifying restricted personal-lines home-state license in good standing.
Terms
Satisfy the Commissioner’s imposed reinstatement terms or receive discretionary earlier reinstatement.

Official no-examination sources

Effective from 2026-09-22.

surplus line broker license

Additional surplus-lines personal-lines authority for a producer already licensed for the requested line of authority.

Licensing authority: Delaware Department of Insurance · Application information

Surplus lines reinstatement after lapse within twelve months
No examination is required for this applicant pathway.
Fees and education
Pay the statutory late fees and penalties and supply required continuing-education compliance evidence.
Producer license
Maintain an active producer license for personal lines.
Time limit
An individual may reapply for the same license within twelve months after the applicable renewal or education due date.

Official no-examination sources

Effective from 2026-09-22.

Nonresident surplus lines personal lines licensing by reciprocity
No examination is required for this applicant pathway.
Application
Submit the prescribed nonresident application and fees.
Home license
Hold a home-state surplus-lines producer license in good standing with the applicable personal-lines authority.
Reciprocity
Satisfy section 1708(a), including home-state reciprocity.

Official no-examination sources

Effective from 2026-09-22.

Nonresident surplus lines reapplication after lapse or revocation
No examination is required for this applicant pathway.
Application
Submit the prescribed application and pay required fees and outstanding penalties.
Discipline
Any revocation’s minimum twelve-month period and section 1712(g)’s bar after two suspensions or revocations continue to apply.
Home license
Hold a qualifying home-state surplus-lines license in good standing and meet reciprocal section 1708(a) requirements.

Official no-examination sources

Effective from 2026-09-22.

Nonresident surplus lines personal lines renewal
No examination is required for this applicant pathway.
Continuing education
Maintain the applicable home-state license and reciprocal continuing-education compliance.
Producer license
Maintain the underlying personal-lines producer authority.
Renewal
Pay applicable renewal fees and comply with applicable Chapter 17 renewal requirements.

Official no-examination sources

Effective from 2026-09-22.

Resident surplus lines personal lines licensing
No examination is required for this applicant pathway.
Application
Submit the prescribed surplus-lines license application through NIPR and pay the fee; the Department’s exhaustive surplus-lines application checklist requires electronic submission and the fee.
Fitness
The Commissioner must deem the applicant competent and trustworthy in handling surplus lines.
Producer license
Hold an active Delaware producer license for the requested personal-lines authority.

Official no-examination sources

Effective from 2026-09-22.

Resident surplus lines reapplication after lapse beyond twelve months
No examination is required for this applicant pathway.
Application
Apply under section 1920 and the Department’s surplus-lines licensing checklist and pay applicable fees and outstanding penalties.
Fitness
The Commissioner must find the applicant competent and trustworthy in handling surplus lines.
Producer license
Hold an active Delaware personal-lines producer license for the surplus-lines authority requested; restoring a lapsed underlying producer license follows its own section 1706 examination requirements.

Official no-examination sources

Effective from 2026-09-22.

Resident surplus lines reinstatement after cancellation, suspension or revocation lasting at least twelve months
DE Personal Lines Producer
Education
The newly licensed continuing-education exemption does not apply.
Prior status
The resident license was canceled, suspended or revoked for at least twelve months; Regulation 504 section 8.4 requires all section 1706 licensing requirements, including retaking examinations for lines to be transacted.
Producer license
Restore or maintain qualifying personal-lines producer authority.
Waiver
The applicant may request relief for qualifying military service or extenuating circumstances under section 1707(h).
Resident surplus lines personal lines renewal
No examination is required for this applicant pathway.
Continuing education
Complete 24 Department-approved continuing-education credit hours per biennium, including 3 ethics hours; a licensee writing NFIP flood insurance must include the specified 2-hour flood course. Apply the rule’s newly licensed, automatic-credit, extension and waiver provisions as applicable.
Producer license
Maintain the underlying personal-lines producer authority.
Renewal
Pay applicable renewal fees and comply with applicable Chapter 17 renewal requirements.

Official no-examination sources

Effective from 2026-09-22.

Surplus lines reinstatement after suspension shorter than twelve months
No examination is required for this applicant pathway.
Producer license
Maintain the qualifying personal-lines producer license in good standing.
Terms
Complete imposed reinstatement terms or receive discretionary earlier reinstatement.

Official no-examination sources

Effective from 2026-09-22.

Temporary Insurance Producer License — Personal Lines

Commissioner-authorized temporary servicing of a personal-lines insurance business, for no more than 180 days.

Licensing authority: insurance commissioner · Application information

Temporary licensing after death or disability of an individual licensee
No examination is required for this applicant pathway.
Applicant
Surviving spouse or court-appointed personal representative of a deceased or mentally or physically disabled licensee.
Approval
The Commissioner must deem temporary licensure necessary to service the insurance business.
Duration
No more than 180 days; the license cannot continue after the owner or personal representative disposes of the business.
Limitations
The Commissioner may limit authority, require a suitable licensed sponsor, impose protective conditions, or revoke the temporary license to protect insureds and the public.
Purpose
Allow sale of the insurance business, recovery or return of the licensee, or training and licensing of new personnel.

Official no-examination sources

Effective from 2026-09-22.

Temporary licensing after death or disability of a business entity designated licensee
No examination is required for this applicant pathway.
Applicant
Member or employee of a licensed business entity upon death or disability of the individual designated in its application or license.
Approval
The Commissioner must deem temporary licensure necessary to service the insurance business.
Duration
No more than 180 days; the license cannot continue after the owner or personal representative disposes of the business.
Limitations
The Commissioner may limit authority, require a suitable licensed sponsor, impose protective conditions, or revoke the temporary license to protect insureds and the public.

Official no-examination sources

Effective from 2026-09-22.

Temporary licensing during a licensee’s military service
No examination is required for this applicant pathway.
Applicant
Designee of a licensee entering active service in the United States armed forces.
Approval
The Commissioner must deem temporary licensure necessary to service the insurance business.
Duration
No more than 180 days; the license cannot continue after the owner or personal representative disposes of the business.
Limitations
The Commissioner may limit authority, require a suitable licensed sponsor, impose protective conditions, or revoke the temporary license to protect insureds and the public.

Official no-examination sources

Effective from 2026-09-22.

Temporary licensing in another public interest circumstance
No examination is required for this applicant pathway.
Applicant
An applicant in another circumstance for which the Commissioner determines temporary licensing best serves the public interest.
Approval
The Commissioner must deem temporary licensure necessary to service the insurance business.
Duration
No more than 180 days; the license cannot continue after the owner or personal representative disposes of the business.
Limitations
The Commissioner may limit authority, require a suitable licensed sponsor, impose protective conditions, or revoke the temporary license to protect insureds and the public.

Official no-examination sources

Effective from 2026-09-22.

DE Personal Lines Producer

Examination outline
  • General knowledge — I. TYPES OF PROPERTY POLICIES
    • A. Homeowners
    • A. Homeowners / 1. HO-2
    • A. Homeowners / 2. HO-3
    • A. Homeowners / 3. HO-4
    • A. Homeowners / 4. HO-5
    • A. Homeowners / 5. HO-6
    • A. Homeowners / 6. HO-8
    • B. Dwelling policies
    • B. Dwelling policies / 1. DP-1
    • B. Dwelling policies / 2. DP-2
    • B. Dwelling policies / 3. DP-3
    • C. Inland marine
    • C. Inland marine / 1. Personal Articles floaters
    • D. National Flood Insurance Program
    • E. Others
    • E. Others / 1. Earthquake
    • E. Others / 2. Mobile Homes
    • E. Others / 3. Watercraft
    • E. Others / 4. Windstorm
  • General knowledge — II. TYPES OF CASUALTY POLICIES
    • A. Automobile: personal auto
    • A. Automobile: personal auto / 1. Liability
    • A. Automobile: personal auto / 1. Liability / a. Bodily Injury
    • A. Automobile: personal auto / 1. Liability / b. Property Damage
    • A. Automobile: personal auto / 1. Liability / c. Split Limits
    • A. Automobile: personal auto / 1. Liability / d. Combined Single Limit
    • A. Automobile: personal auto / 2. Medical Payments
    • A. Automobile: personal auto / 3. Physical Damage (collision; other than collision; specified perils)
    • A. Automobile: personal auto / 4. Uninsured motorists
    • A. Automobile: personal auto / 5. Underinsured motorists
    • A. Automobile: personal auto / 6. Who is an insured
    • A. Automobile: personal auto / 7. Types of Auto
    • A. Automobile: personal auto / 7. Types of Auto / a. Owned
    • A. Automobile: personal auto / 7. Types of Auto / b. Non-owned
    • A. Automobile: personal auto / 7. Types of Auto / c. Hired
    • A. Automobile: personal auto / 7. Types of Auto / d. Temporary Substitute
    • A. Automobile: personal auto / 7. Types of Auto / e. Newly Acquired Autos
    • A. Automobile: personal auto / 7. Types of Auto / f. Transportation Expense and Rental Reimbursement Expense
    • A. Automobile: personal auto / 8. Exclusions
    • B. Umbrella/Excess liability
  • General knowledge — III. PROPERTY AND CASUALTY INSURANCE TERMS AND RELATED CONCEPTS
    • A. Insurance
    • A. Insurance / 1. Law of Large Numbers
    • B. Insurable interest
    • C. Risk
    • C. Risk / 1. Pure vs. Speculative Risk
    • D. Hazard
    • D. Hazard / 1. Moral
    • D. Hazard / 2. Morale
    • D. Hazard / 3. Physical
    • E. Peril
    • F. Loss
    • F. Loss / 1. Direct
    • F. Loss / 2. Indirect
    • G. Loss Valuation
    • G. Loss Valuation / 1. Actual cash value
    • G. Loss Valuation / 2. Replacement cost
    • G. Loss Valuation / 3. Market value
    • G. Loss Valuation / 4. Stated value
    • G. Loss Valuation / 5. Salvage value
    • H. Proximate cause
    • I. Deductible
    • J. Indemnity
    • K. Limits of liability
    • L. Coinsurance/Insurance to value
    • M. Occurrence
    • N. Cancellation
    • O. Nonrenewal
    • P. Vacancy and unoccupancy
    • Q. Liability
    • Q. Liability / 1. Absolute
    • Q. Liability / 2. Strict
    • Q. Liability / 3. Vicarious
    • R. Negligence
    • S. Binder
    • T. Endorsements
    • U. Blanket vs. Specific
    • V. Burglary, Robbery, Theft, and Mysterious Disappearance
    • W. Warranties
    • X. Representations
    • Y. Concealment
    • Z. Deposit Premium/Audit
    • AA. Certificate of Insurance
    • BB. Damages
    • BB. Damages / 1. Compensatory
    • BB. Damages / 1. Compensatory / a. General
    • BB. Damages / 1. Compensatory / b. Special
    • BB. Damages / 2. Punitive
    • CC. Compliance with Provisions of Fair Credit Reporting Act
  • General knowledge — IV. PROPERTY AND CASUALTY POLICY PROVISIONS AND CONTRACT LAW
    • A. Declarations
    • B. Insuring agreement
    • C. Conditions
    • D. Exclusions
    • E. Definition of the insured
    • F. Duties of the insured after a loss
    • G. Obligations of the insurance company
    • H. Mortgagee rights
    • I. Proof of loss
    • J. Notice of claim
    • K. Appraisal
    • L. Other Insurance Provision
    • M. Subrogation
    • N. Elements of a contract
    • O. Sources of underwriting information
    • P. Fair Credit Reporting Act
    • Q. Privacy Protection (Gramm Leach Bliley)
    • R. Policy Application
    • S. Terrorism Risk Insurance Act (TRIA)
    • T. Cancellation and nonrenewal provisions
    • U. Supplementary payments
    • V. Loss settlement provisions including consent to settle a loss
    • W. Territory
  • State specific — I. DELAWARE STATUTES, REGULATIONS, AND BULLETINS PERTINENT TO LIFE, ACCIDENT AND HEALTH, PROPERTY, CASUALTY AND PERSONAL LINES INSURANCE
    • A. License Regulations
    • A. License Regulations / 1. Persons required to be licensed and responsibilities
    • A. License Regulations / 1. Persons required to be licensed and responsibilities / a. Producer/Agent
    • A. License Regulations / 1. Persons required to be licensed and responsibilities / b. Limited Lines producer
    • A. License Regulations / 1. Persons required to be licensed and responsibilities / c. Producer/Consultant
    • A. License Regulations / 2. License requirements
    • A. License Regulations / 2. License requirements / a. Fees and application
    • A. License Regulations / 2. License requirements / b. Prerequisites
    • A. License Regulations / 2. License requirements / c. Special qualifications
    • A. License Regulations / 2. License requirements / d. Written examinations and exemptions
    • A. License Regulations / 2. License requirements / e. Exemptions from licensing
    • A. License Regulations / 2. License requirements / f. Insurer’s appointment
    • A. License Regulations / 3. Authority
    • A. License Regulations / 3. Authority / a. Definitions
    • A. License Regulations / 3. Authority / b. License requirements
    • A. License Regulations / 3. Authority / c. Lines of authority
    • A. License Regulations / 3. Authority / d. Termination of appointment
    • A. License Regulations / 4. Notice of address change
    • A. License Regulations / 5. Continuing education
    • B. Marketing Practices
    • B. Marketing Practices / 1. Duties of licensed personnel
    • B. Marketing Practices / 2. Record keeping
    • B. Marketing Practices / 3. Compensation of licensees
    • B. Marketing Practices / 4. Termination, suspension, fines
    • C. Insurance Commissioner
    • C. Insurance Commissioner / 1. Election and term
    • C. Insurance Commissioner / 2. General powers and duties
    • C. Insurance Commissioner / 3. Examination of insurers and producers
    • C. Insurance Commissioner / 4. Hearings
    • C. Insurance Commissioner / 5. Cease and desist orders and penalties
    • C. Insurance Commissioner / 6. General penalties
  • State specific — II. DELAWARE STATUTES, RULES, REGULATIONS, AND BULLETINS PERTINENT TO PROPERTY INSURANCE ONLY
    • A. Delaware FAIR Plan
    • A. Delaware FAIR Plan / 1. Purpose and definitions
    • A. Delaware FAIR Plan / 2. Eligibility
    • A. Delaware FAIR Plan / 3. Coverage available
    • A. Delaware FAIR Plan / 4. Limits of coverage
    • A. Delaware FAIR Plan / 5. Effective date of coverage
    • A. Delaware FAIR Plan / 6. Binding authority of producers
    • B. Declinations, renewal, and cancellation of Property insurance contracts
    • B. Declinations, renewal, and cancellation of Property insurance contracts / 1. Definitions
    • B. Declinations, renewal, and cancellation of Property insurance contracts / 2. Notification and reasons for declination, non-renewal, and termination
    • B. Declinations, renewal, and cancellation of Property insurance contracts / 3. Permissible cancellations
    • B. Declinations, renewal, and cancellation of Property insurance contracts / 4. Prohibited practices
    • B. Declinations, renewal, and cancellation of Property insurance contracts / 5. Enforcement
    • B. Declinations, renewal, and cancellation of Property insurance contracts / 6. Disclosures
    • C. National Flood Insurance Program
    • C. National Flood Insurance Program / 1. Definitions
    • C. National Flood Insurance Program / 2. Policies and Products Available
    • C. National Flood Insurance Program / 3. Who needs flood insurance
    • C. National Flood Insurance Program / 4. Flood Maps and Zone Determinations
    • C. National Flood Insurance Program / 5. General Rules
    • C. National Flood Insurance Program / 6. Claims Handling Process
    • C. National Flood Insurance Program / 7. Write Your Own Company
  • State specific — III. DELAWARE STATUTES, RULES, REGULATIONS, AND BULLETINS PERTINENT TO CASUALTY INSURANCE ONLY
    • A. Delaware Motorist Protection Act
    • A. Delaware Motorist Protection Act / 1. Required coverage and limits
    • A. Delaware Motorist Protection Act / 2. Arbitration
    • A. Delaware Motorist Protection Act / 3. Insurance ID card
    • A. Delaware Motorist Protection Act / 4. Fines
    • A. Delaware Motorist Protection Act / 5. Form A
    • B. Uninsured and Underinsured Motorists Coverage
    • B. Uninsured and Underinsured Motorists Coverage / 1. Required coverage
    • B. Uninsured and Underinsured Motorists Coverage / 2. Option for additional coverage
    • C. Cancellation and nonrenewal of auto insurance
    • C. Cancellation and nonrenewal of auto insurance / 1. Reasons for
    • C. Cancellation and nonrenewal of auto insurance / 2. Notice
    • C. Cancellation and nonrenewal of auto insurance / 3. Hearing
    • C. Cancellation and nonrenewal of auto insurance / 4. Exclusion of designated person
    • C. Cancellation and nonrenewal of auto insurance / 5. Request for driving records
    • D. Delaware Automobile Insurance Plan
    • D. Delaware Automobile Insurance Plan / 1. Producer and insurer responsibilities
    • D. Delaware Automobile Insurance Plan / 2. Eligibility
    • D. Delaware Automobile Insurance Plan / 3. Coverage and options
    • D. Delaware Automobile Insurance Plan / 4. Designation of carrier
    • D. Delaware Automobile Insurance Plan / 5. Binding authority
    • D. Delaware Automobile Insurance Plan / 6. Collection of placement fee
    • E. Defensive driving course credit
    • F. Private passenger automobile insurance rating information
  • State specific — IV. INSURANCE ETHICS
    • A. Definitions
    • A. Definitions / 1. Market Conduct
    • A. Definitions / 2. Authority
    • A. Definitions / 2. Authority / a. Express
    • A. Definitions / 2. Authority / b. Implied
    • A. Definitions / 2. Authority / c. Apparent
    • A. Definitions / 3. Agency versus individual licensee
    • A. Definitions / 4. Suitability
    • A. Definitions / 5. Ethical behavior and good moral standards
    • B. Market Conduct examination
    • C. Binding coverage
    • D. Disclosure letters and forms
    • E. Errors and Omissions insurance
    • F. Unfair practices
    • F. Unfair practices / 1. Twisting
    • F. Unfair practices / 2. Churning
    • F. Unfair practices / 3. Commingling
    • F. Unfair practices / 4. Misrepresentation
    • F. Unfair practices / 5. Defamation
    • F. Unfair practices / 6. Coercion and intimidation
    • F. Unfair practices / 7. Unfair discrimination
    • F. Unfair practices / 8. Rebating
    • F. Unfair practices / 9. Unfair claims settlement practices
    • F. Unfair practices / 10. Coercion of debtors
    • F. Unfair practices / 11. Publicized Founded Complaints
    • G. Insurance fraud and Fraud Prevention Bureau
    • H. Advertisement procedures
    • I. Privacy
    • J. Conflict of issues and producer’s responsibilities
Examination sources