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Rhode Island Personal Lines 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.

Insurance Producer Business Entity — Personal Lines

Voluntary insurance producer business entity license available to resident and nonresident entities. Individual persons selling, soliciting, or negotiating insurance must hold their own producer licenses.

Licensing authority: department of business regulation · Application information

Nonresident business entity voluntary initial issuance
No examination is required for this applicant pathway.
Application
Apply electronically through NIPR with the business entity application.
Entity
A business entity may voluntarily obtain this producer license.
Fee
The business entity pays the applicable individual-license-class fee under § 5.5(A).
Individual Producers
Persons who sell, solicit, or negotiate insurance must hold their own licenses and disclose the employer/assumed business name.
Responsible Producer
Designate at least one DRLP with an active resident or nonresident Rhode Island producer license. DRLPs are not required to cumulatively cover the entity’s lines of authority. The held individual license is an applicant condition, not an entity examination.

Official no-examination sources

Effective from 2026-09-22.

Nonresident business entity reinstatement within one year
No examination is required for this applicant pathway.
Application
Apply electronically through NIPR with the business entity application.
Entity
A business entity may voluntarily obtain this producer license.
Expiration
File a new reinstatement application within one year of expiration and pay all applicable fees; the regulation’s producer-license reinstatement definition is without examination.
Fee
The business entity pays the applicable individual-license-class fee under § 5.5(A).
Individual Producers
Persons who sell, solicit, or negotiate insurance must hold their own licenses and disclose the employer/assumed business name.
Responsible Producer
Designate at least one DRLP with an active resident or nonresident Rhode Island producer license. DRLPs are not required to cumulatively cover the entity’s lines of authority. The held individual license is an applicant condition, not an entity examination.

Official no-examination sources

Effective from 2026-09-22.

Nonresident business entity renewal
No examination is required for this applicant pathway.
Application
Apply electronically through NIPR with the business entity application.
Entity
A business entity may voluntarily obtain this producer license.
Fee
The business entity pays the applicable individual-license-class fee under § 5.5(A).
Individual Producers
Persons who sell, solicit, or negotiate insurance must hold their own licenses and disclose the employer/assumed business name.
Renewal
Renew the existing business entity producer license online; retain the designated responsible licensed producer and pay applicable renewal fees.
Responsible Producer
Designate at least one DRLP with an active resident or nonresident Rhode Island producer license. DRLPs are not required to cumulatively cover the entity’s lines of authority. The held individual license is an applicant condition, not an entity examination.

Official no-examination sources

Effective from 2026-09-22.

Resident business entity voluntary initial issuance
No examination is required for this applicant pathway.
Application
Apply electronically through NIPR with the business entity application.
Entity
A business entity may voluntarily obtain this producer license.
Fee
The business entity pays the applicable individual-license-class fee under § 5.5(A).
Individual Producers
Persons who sell, solicit, or negotiate insurance must hold their own licenses and disclose the employer/assumed business name.
Responsible Producer
Designate at least one DRLP with an active resident or nonresident Rhode Island producer license. DRLPs are not required to cumulatively cover the entity’s lines of authority. The held individual license is an applicant condition, not an entity examination.

Official no-examination sources

Effective from 2026-09-22.

Resident business entity reinstatement within one year
No examination is required for this applicant pathway.
Application
Apply electronically through NIPR with the business entity application.
Entity
A business entity may voluntarily obtain this producer license.
Expiration
File a new reinstatement application within one year of expiration and pay all applicable fees; the regulation’s producer-license reinstatement definition is without examination.
Fee
The business entity pays the applicable individual-license-class fee under § 5.5(A).
Individual Producers
Persons who sell, solicit, or negotiate insurance must hold their own licenses and disclose the employer/assumed business name.
Responsible Producer
Designate at least one DRLP with an active resident or nonresident Rhode Island producer license. DRLPs are not required to cumulatively cover the entity’s lines of authority. The held individual license is an applicant condition, not an entity examination.

Official no-examination sources

Effective from 2026-09-22.

Resident business entity renewal
No examination is required for this applicant pathway.
Application
Apply electronically through NIPR with the business entity application.
Entity
A business entity may voluntarily obtain this producer license.
Fee
The business entity pays the applicable individual-license-class fee under § 5.5(A).
Individual Producers
Persons who sell, solicit, or negotiate insurance must hold their own licenses and disclose the employer/assumed business name.
Renewal
Renew the existing business entity producer license online; retain the designated responsible licensed producer and pay applicable renewal fees.
Responsible Producer
Designate at least one DRLP with an active resident or nonresident Rhode Island producer license. DRLPs are not required to cumulatively cover the entity’s lines of authority. The held individual license is an applicant condition, not an entity examination.

Official no-examination sources

Effective from 2026-09-22.

Insurance Producer — Personal Lines

Individual insurance producer license with personal lines-property and casualty authority covering individuals and families for primary noncommercial purposes; resident and nonresident eligibility follow separate routes.

Licensing authority: insurance division of the department of business regulation of the state of rhode island · Application information

Nonresident individual initial issuance by reciprocity
No examination is required for this applicant pathway.
Application
Submit the home-state application or a completed uniform application through NIPR.
Fee
Pay the nonresident fee; current individual license fee is $130.
Home License
Hold a current resident producer license in good standing in the home state for the requested authority.
Licensing Status
The commissioner may verify licensing status through the NAIC producer database.
Reciprocity
The home state must award nonresident producer licenses to Rhode Island residents on the same basis.

Official no-examination sources

Effective from 2026-09-22.

Nonresident individual reinstatement within one year
No examination is required for this applicant pathway.
Application
Renew online through NIPR and explain/document affirmative background answers.
Continuing Education
Complete all applicable continuing education before reinstatement; reinstatement does not create a lapse for the regulation’s longevity exemption.
Expiration
Apply within 12 months of the renewal due date; reinstatement is expressly without a written examination. The Board instructions describe reinstatement as 30–365 days after expiration.
Fee
$130 nonresident renewal fee.
Late Fee
§ 27-2.4-9(c) requires double the unpaid renewal fee for late payment. Current licensing regulation and Board instructions state the applicable renewal fee plus a $50 reinstatement fee. These different official demands are recorded without replacing the statute.
License
Hold the existing personal-lines producer license.

Official no-examination sources

Effective from 2026-09-22.

Nonresident individual renewal
No examination is required for this applicant pathway.
Application
Renew online through NIPR and explain/document affirmative background answers.
Continuing Education
Maintain home-state continuing-education compliance; reciprocal satisfaction is recognized under § 27-2.4-17(b).
Fee
$130 nonresident renewal fee.
License
Hold the existing personal-lines producer license.

Official no-examination sources

Effective from 2026-09-22.

Conversion of an existing Rhode Island nonresident license to resident status
No examination is required for this applicant pathway.
Errors And Omissions
Resident producers must maintain at least $250,000 per claim and $500,000 annual aggregate errors and omissions insurance. Direct insurance-company employees are excluded; the department may grant a written exemption while the producer is not selling, soliciting, or negotiating insurance.
Expiry
The Board FAQ says the existing Rhode Island expiration date does not change.
Prior Authority
Hold the same lines in the prior resident jurisdiction and an active Rhode Island nonresident license; apply within the statutory relocation period.
Prior Resident License
Cancel or convert the former resident license; the FAQ says two active resident licenses are not permitted.
Request
DBR Licensing Frequently Asked Questions (official page, updated December 16, 2025, verified through server-side web access on October 4, 2026; local fetches and the observed Licensing FAQs navigation failed with anti-bot challenges, so no receipted local FAQ artifact is claimed): "We will convert a non-resident license to a resident license with an emailed request including your new Rhode Island resident address to dbr.inslic@dbr.ri.gov." Source: https://dbr.ri.gov/insurance/insurance-professionals/licensing-frequently-asked-questions
State Law Knowledge
Certify knowledge of Rhode Island producer law as required by § 27-2.4-11(a).

Official no-examination sources

Effective from 2026-09-22.

Resident individual initial issuance by examination
Personal Lines Producer
Age
At least 18 years of age.
Application
Submit a truthful, correct, complete uniform application through NIPR and pay the appropriate license fee.
Assumed Name
Disclose the business entity name when conducting Rhode Island business on behalf of an entity.
Background Disclosure
DBR Licensing Frequently Asked Questions (official page, updated December 16, 2025, verified through server-side web access on October 4, 2026; local fetches and the observed Licensing FAQs navigation failed with anti-bot challenges, so no receipted local FAQ artifact is claimed): If the applicant answers yes to criminal background questions, supply a written explanation, the charging document, and the resolution/final judgment; upload to NIPR or email DBR. The Board determines whether federal permission applies. Source: https://dbr.ri.gov/insurance/insurance-professionals/licensing-frequently-asked-questions
Background Report
Submit an RI Attorney General BCI report, valid for 30 days, with the NIPR transaction number.
Electronic Score
Wait 3–5 days after passing before applying so NIPR can validate the result.
Errors And Omissions
Resident producers must maintain at least $250,000 per claim and $500,000 annual aggregate errors and omissions insurance. Direct insurance-company employees are excluded; the department may grant a written exemption while the producer is not selling, soliciting, or negotiating insurance.
Fee
$120 resident individual license fee.
Fitness
No act constituting a denial, suspension, or revocation ground under § 27-2.4-14; furnish verification documents the commissioner reasonably requests.
Prelicensing Education
The Board instructions state there is no statutory pre-licensing education requirement.
Residency
Reside in Rhode Island, or maintain a Rhode Island insurance-production office and designate Rhode Island as residence for licensing.
Score Age
DBR Licensing Frequently Asked Questions (official page, updated December 16, 2025, verified through server-side web access on October 4, 2026; local fetches and the observed Licensing FAQs navigation failed with anti-bot challenges, so no receipted local FAQ artifact is claimed): "After you pass your exam you have up to one year to apply for your license." Source: https://dbr.ri.gov/insurance/insurance-professionals/licensing-frequently-asked-questions
Resident initial issuance by prior license examination exemption
No examination is required for this applicant pathway.
Age
At least 18 years of age.
Application
Submit a truthful, correct, complete uniform application through NIPR and pay the appropriate license fee.
Assumed Name
Disclose the business entity name when conducting Rhode Island business on behalf of an entity.
Errors And Omissions
Resident producers must maintain at least $250,000 per claim and $500,000 annual aggregate errors and omissions insurance. Direct insurance-company employees are excluded; the department may grant a written exemption while the producer is not selling, soliciting, or negotiating insurance.
Fee
$120 resident individual license fee.
Fitness
No act constituting a denial, suspension, or revocation ground under § 27-2.4-14; furnish verification documents the commissioner reasonably requests.
Implementation Cancellation
DBR Licensing Frequently Asked Questions (official page, updated December 16, 2025, verified through server-side web access on October 4, 2026; local fetches and the observed Licensing FAQs navigation failed with anti-bot challenges, so no receipted local FAQ artifact is claimed): The Board says to cancel the former resident license, wait at least 24 hours, and apply within 90 days; its electronic rules admit the application without the Rhode Island licensing exam. The statute also permits an applicant currently licensed for the same lines. Source: https://dbr.ri.gov/insurance/insurance-professionals/licensing-frequently-asked-questions
Prior License
The same lines of authority must have been held in another state. Applicant must currently hold that license, or apply within 90 days of cancellation with official certification or NAIC database proof of good standing.
Relocation
An applicant moving to Rhode Island must apply within 90 days of establishing legal residence under § 27-2.4-11(b).
State Law Knowledge
Certify knowledge of Rhode Island law applicable to insurance producers under § 27-2.4-11(a).

Official no-examination sources

Effective from 2026-09-22.

Resident individual reinstatement within one year
No examination is required for this applicant pathway.
Application
Renew online through NIPR and explain/document affirmative background answers.
Continuing Education
Complete all applicable continuing education before reinstatement; reinstatement does not create a lapse for the regulation’s longevity exemption.
Errors And Omissions
Resident producers must maintain at least $250,000 per claim and $500,000 annual aggregate errors and omissions insurance. Direct insurance-company employees are excluded; the department may grant a written exemption while the producer is not selling, soliciting, or negotiating insurance.
Expiration
Apply within 12 months of the renewal due date; reinstatement is expressly without a written examination. The Board instructions describe reinstatement as 30–365 days after expiration.
Fee
$120 resident renewal fee.
Late Fee
§ 27-2.4-9(c) requires double the unpaid renewal fee for late payment. Current licensing regulation and Board instructions state the applicable renewal fee plus a $50 reinstatement fee. These different official demands are recorded without replacing the statute.
License
Hold the existing personal-lines producer license.

Official no-examination sources

Effective from 2026-09-22.

Resident new application after the reinstatement period
Personal Lines Producer
Age
At least 18 years of age.
Application
Submit a truthful, correct, complete uniform application through NIPR and pay the appropriate license fee.
Assumed Name
Disclose the business entity name when conducting Rhode Island business on behalf of an entity.
Background Disclosure
DBR Licensing Frequently Asked Questions (official page, updated December 16, 2025, verified through server-side web access on October 4, 2026; local fetches and the observed Licensing FAQs navigation failed with anti-bot challenges, so no receipted local FAQ artifact is claimed): If the applicant answers yes to criminal background questions, supply a written explanation, the charging document, and the resolution/final judgment; upload to NIPR or email DBR. The Board determines whether federal permission applies. Source: https://dbr.ri.gov/insurance/insurance-professionals/licensing-frequently-asked-questions
Background Report
Submit an RI Attorney General BCI report, valid for 30 days, with the NIPR transaction number.
Electronic Score
Wait 3–5 days after passing before applying so NIPR can validate the result.
Errors And Omissions
Resident producers must maintain at least $250,000 per claim and $500,000 annual aggregate errors and omissions insurance. Direct insurance-company employees are excluded; the department may grant a written exemption while the producer is not selling, soliciting, or negotiating insurance.
Expired License
The former license expired more than one year ago; the regulation says it cannot be reinstated. A resident seeking a new producer license is subject to § 27-2.4-7(a), unless the § 27-2.4-11 prior-license exemption applies.
Fee
$120 resident individual license fee.
Fitness
No act constituting a denial, suspension, or revocation ground under § 27-2.4-14; furnish verification documents the commissioner reasonably requests.
Prelicensing Education
The Board instructions state there is no statutory pre-licensing education requirement.
Residency
Reside in Rhode Island, or maintain a Rhode Island insurance-production office and designate Rhode Island as residence for licensing.
Score Age
DBR Licensing Frequently Asked Questions (official page, updated December 16, 2025, verified through server-side web access on October 4, 2026; local fetches and the observed Licensing FAQs navigation failed with anti-bot challenges, so no receipted local FAQ artifact is claimed): "After you pass your exam you have up to one year to apply for your license." Source: https://dbr.ri.gov/insurance/insurance-professionals/licensing-frequently-asked-questions
Resident individual renewal
No examination is required for this applicant pathway.
Application
Renew online through NIPR and explain/document affirmative background answers.
Continuing Education
Unless exempt, complete 24 credit hours including 3 ethics hours each biennial period, reported to the transcript; exemptions and extensions follow 230-RICR-20-50-2.
Errors And Omissions
Resident producers must maintain at least $250,000 per claim and $500,000 annual aggregate errors and omissions insurance. Direct insurance-company employees are excluded; the department may grant a written exemption while the producer is not selling, soliciting, or negotiating insurance.
Fee
$120 resident renewal fee.
License
Hold the existing personal-lines producer license.

Official no-examination sources

Effective from 2026-09-22.

  • s9

    § 27-2.4-9(b)

  • ce

    § 2.6(A), biennial education requirement

  • ce

    § 2.5(A), exemptions and reinstatement compliance

  • producer-renewal.pdf

    Resident Individual Checklist

Resident renewal or return after military service or other extenuating circumstance
Personal Lines Producer
Age
At least 18 years of age.
Application
Submit a truthful, correct, complete uniform application through NIPR and pay the appropriate license fee.
Assumed Name
Disclose the business entity name when conducting Rhode Island business on behalf of an entity.
Background Disclosure
DBR Licensing Frequently Asked Questions (official page, updated December 16, 2025, verified through server-side web access on October 4, 2026; local fetches and the observed Licensing FAQs navigation failed with anti-bot challenges, so no receipted local FAQ artifact is claimed): If the applicant answers yes to criminal background questions, supply a written explanation, the charging document, and the resolution/final judgment; upload to NIPR or email DBR. The Board determines whether federal permission applies. Source: https://dbr.ri.gov/insurance/insurance-professionals/licensing-frequently-asked-questions
Background Report
Submit an RI Attorney General BCI report, valid for 30 days, with the NIPR transaction number.
Electronic Score
Wait 3–5 days after passing before applying so NIPR can validate the result.
Errors And Omissions
Resident producers must maintain at least $250,000 per claim and $500,000 annual aggregate errors and omissions insurance. Direct insurance-company employees are excluded; the department may grant a written exemption while the producer is not selling, soliciting, or negotiating insurance.
Fee
$120 resident individual license fee.
Fitness
No act constituting a denial, suspension, or revocation ground under § 27-2.4-14; furnish verification documents the commissioner reasonably requests.
Hardship
A producer unable to follow renewal procedures because of military service or another extenuating circumstance, such as long-term medical disability, may request waiver of those procedures, examination requirements, fines, or sanctions. A request does not itself grant a waiver.
Prelicensing Education
The Board instructions state there is no statutory pre-licensing education requirement.
Residency
Reside in Rhode Island, or maintain a Rhode Island insurance-production office and designate Rhode Island as residence for licensing.
Score Age
DBR Licensing Frequently Asked Questions (official page, updated December 16, 2025, verified through server-side web access on October 4, 2026; local fetches and the observed Licensing FAQs navigation failed with anti-bot challenges, so no receipted local FAQ artifact is claimed): "After you pass your exam you have up to one year to apply for your license." Source: https://dbr.ri.gov/insurance/insurance-professionals/licensing-frequently-asked-questions
Within One Year
The § 27-2.4-9(c) examination-free reinstatement route applies within one year; this route covers a return requiring a new resident application beyond that period, subject to a commissioner-granted waiver.
Conversion or reactivation as nonresident after relocation from Rhode Island
No examination is required for this applicant pathway.
Application
Submit the home-state application or a completed uniform application through NIPR.
Fee
Pay the nonresident fee; current individual license fee is $130.
Home License
Hold a current resident producer license in good standing in the home state for the requested authority.
Licensing Status
The commissioner may verify licensing status through the NAIC producer database.
Reactivation
DBR Licensing Frequently Asked Questions (official page, updated December 16, 2025, verified through server-side web access on October 4, 2026; local fetches and the observed Licensing FAQs navigation failed with anti-bot challenges, so no receipted local FAQ artifact is claimed): "If you need to cancel your license but wish to reactivate it as a non-resident license after you have a new resident license, send an email to dbr.inslic@dbr.ri.gov with your request." Source: https://dbr.ri.gov/insurance/insurance-professionals/licensing-frequently-asked-questions
Reciprocity
The home state must award nonresident producer licenses to Rhode Island residents on the same basis.
Relocation
File an address change and provide certification from the new resident state within 30 days; § 27-2.4-10(c) states no fee or license application is required for that status change.

Official no-examination sources

Effective from 2026-09-22.

Temporary Insurance Producer License

Temporary producer license to service a personal-lines insurance business, authorized for no more than 180 days under § 27-2.4-13.

Licensing authority: insurance commissioner · Application information

Member or employee of the producer business entity temporary issuance
No examination is required for this applicant pathway.
Duration
No more than 180 days; may not continue after disposal of the business.
Eligibility
(2) To a member or employee of a business entity operated by a licensed insurance producer, upon the death or disability of that individual; or
Necessity
The commissioner must find temporary licensing necessary to service the insurance business.
Restrictions
The commissioner may limit authority, require a suitable licensed producer or insurer sponsor responsible for all acts, impose protective requirements, and revoke the temporary license if the insured or public is endangered.

Official no-examination sources

Effective from 2026-09-22.

  • s13

    § 27-2.4-13(a), introductory temporary-license authorization

  • s13

    § 27-2.4-13(a)(2)

  • s13

    § 27-2.4-13(b), limitations and sponsor

Designee of a producer entering active military service temporary issuance
No examination is required for this applicant pathway.
Duration
No more than 180 days; may not continue after disposal of the business.
Eligibility
(3) To the designee of a licensed insurance producer entering active service in the armed forces of the United States of America; or
Necessity
The commissioner must find temporary licensing necessary to service the insurance business.
Restrictions
The commissioner may limit authority, require a suitable licensed producer or insurer sponsor responsible for all acts, impose protective requirements, and revoke the temporary license if the insured or public is endangered.

Official no-examination sources

Effective from 2026-09-22.

  • s13

    § 27-2.4-13(a), introductory temporary-license authorization

  • s13

    § 27-2.4-13(a)(3)

  • s13

    § 27-2.4-13(b), limitations and sponsor

Other public interest circumstance approved by the commissioner temporary issuance
No examination is required for this applicant pathway.
Duration
No more than 180 days; may not continue after disposal of the business.
Eligibility
(4) In any other circumstance where the insurance commissioner deems that the public interest will best be served by the issuance of this license.
Necessity
The commissioner must find temporary licensing necessary to service the insurance business.
Restrictions
The commissioner may limit authority, require a suitable licensed producer or insurer sponsor responsible for all acts, impose protective requirements, and revoke the temporary license if the insured or public is endangered.

Official no-examination sources

Effective from 2026-09-22.

  • s13

    § 27-2.4-13(a), introductory temporary-license authorization

  • s13

    § 27-2.4-13(a)(4)

  • s13

    § 27-2.4-13(b), limitations and sponsor

Surviving spouse or court appointed personal representative temporary issuance
No examination is required for this applicant pathway.
Duration
No more than 180 days; may not continue after disposal of the business.
Eligibility
(1) To the surviving spouse or court-appointed personal representative of a licensed insurance producer who dies or becomes mentally or physically disabled to allow adequate time for the sale of the insurance business owned by the insurance producer or for the recovery or return of the insurance producer to the business or to provide for the training and licensing of new personnel to operate the insurance producer’s business; or
Necessity
The commissioner must find temporary licensing necessary to service the insurance business.
Restrictions
The commissioner may limit authority, require a suitable licensed producer or insurer sponsor responsible for all acts, impose protective requirements, and revoke the temporary license if the insured or public is endangered.

Official no-examination sources

Effective from 2026-09-22.

  • s13

    § 27-2.4-13(a), introductory temporary-license authorization

  • s13

    § 27-2.4-13(a)(1)

  • s13

    § 27-2.4-13(b), limitations and sponsor

Personal Lines Producer

Provider
Pearson VUE
Format
Computer-based; scored as a whole; English and Spanish available
Exam questions
100 scoreable questions plus 10 pretest questions: 75 + 5 general knowledge; 25 + 5 Rhode Island specific
Time limit
General: 1 hour 30 minutes; State: 45 minutes
Passing score
70 scaled score
Exam fee
$80
Examination outline
  • General Knowledge I. Types of Property Policies
    • Homeowners
    • Homeowners / HO-2
    • Homeowners / HO-3
    • Homeowners / HO-4
    • Homeowners / HO-5
    • Homeowners / HO-6
    • Homeowners / HO-8
    • Dwelling policies
    • Dwelling policies / DP-1
    • Dwelling policies / DP-2
    • Dwelling policies / DP-3
    • Inland marine
    • Inland marine / Personal Articles floaters
    • National Flood Insurance Program
    • Others
    • Others / Earthquake
    • Others / Mobile Homes
    • Others / Watercraft
    • Others / Windstorm
  • General Knowledge II. Types of Casualty Policies
    • Automobile: personal auto
    • Automobile: personal auto / Liability
    • Automobile: personal auto / Liability / Bodily Injury
    • Automobile: personal auto / Liability / Property Damage
    • Automobile: personal auto / Liability / Split Limits
    • Automobile: personal auto / Liability / Combined Single Limit
    • Automobile: personal auto / Medical Payments
    • Automobile: personal auto / Physical Damage (collision; other than collision; specified perils)
    • Automobile: personal auto / Uninsured motorists
    • Automobile: personal auto / Underinsured motorists
    • Automobile: personal auto / Who is an insured
    • Automobile: personal auto / Types of Auto
    • Automobile: personal auto / Types of Auto / Owned
    • Automobile: personal auto / Types of Auto / Non-owned
    • Automobile: personal auto / Types of Auto / Hired
    • Automobile: personal auto / Types of Auto / Temporary Substitute
    • Automobile: personal auto / Types of Auto / Newly Acquired Autos
    • Automobile: personal auto / Types of Auto / Transportation Expense and Rental Reimbursement Expense
    • Automobile: personal auto / Exclusions
    • Umbrella/Excess liability
  • General Knowledge III. Property and Casualty Insurance Terms and Related Concepts
    • Insurance
    • Insurance / Law of Large Numbers
    • Insurable interest
    • Risk
    • Risk / Pure vs. Speculative Risk
    • Hazard
    • Hazard / Moral
    • Hazard / Morale
    • Hazard / Physical
    • Peril
    • Loss
    • Loss / Direct
    • Loss / Indirect
    • Loss Valuation
    • Loss Valuation / Actual cash value
    • Loss Valuation / Replacement cost
    • Loss Valuation / Market value
    • Loss Valuation / Stated value
    • Loss Valuation / Salvage value
    • Proximate cause
    • Deductible
    • Indemnity
    • Limits of liability
    • Coinsurance/Insurance to value
    • Occurrence
    • Cancellation
    • Nonrenewal
    • Vacancy and unoccupancy
    • Liability
    • Liability / Absolute
    • Liability / Strict
    • Liability / Vicarious
    • Negligence
    • Binder
    • Endorsements
    • Blanket vs. Specific
    • Burglary, Robbery, Theft, and Mysterious Disappearance
    • Warranties
    • Representations
    • Concealment
    • Deposit Premium/Audit
    • Certificate of Insurance
    • Damages
    • Damages / Compensatory
    • Damages / Compensatory / General
    • Damages / Compensatory / Special
    • Damages / Punitive
    • Compliance with Provisions of Fair Credit Reporting Act
  • General Knowledge IV. Property and Casualty Policy Provisions and Contract Law
    • Declarations
    • Insuring agreement
    • Conditions
    • Exclusions
    • Definition of the insured
    • Duties of the insured after a loss
    • Obligations of the insurance company
    • Mortgagee rights
    • Proof of loss
    • Notice of claim
    • Appraisal
    • Other Insurance Provision
    • Subrogation
    • Elements of a contract
    • Sources of underwriting information
    • Fair Credit Reporting Act
    • Privacy Protection (Gramm Leach Bliley)
    • Policy Application
    • Terrorism Risk Insurance Act (TRIA)
    • Cancellation and nonrenewal provisions
    • Supplementary payments
    • Loss settlement provisions including consent to settle a loss
    • Territory
  • Rhode Island Specific I. Rhode Island Laws, Rules, and Regulations Common to Property and Casualty Insurance
    • Commissioner/Director
    • Commissioner/Director / Broad powers
    • Commissioner/Director / Examination of records/record retention
    • Commissioner/Director / Notice and hearing
    • Commissioner/Director / Penalties
    • Definitions
    • Definitions / Domestic, foreign, and alien companies
    • Definitions / Stock and mutual companies
    • Definitions / Stock and mutual companies / Definitions
    • Definitions / Stock and mutual companies / Ownership
    • Definitions / Binders/Certificates of Insurance
    • Licensing
    • Licensing / Licensing requirements for a producer
    • Licensing / Licensing requirements for a producer / Surplus lines broker
    • Licensing / Termination of license
    • Licensing / Termination of license / Revocation, suspension and nonrenewal
    • Licensing / Continuing Education
    • Licensing / Limited/temporary licenses
    • Licensing / Producer Compensation Disclosure
    • Unfair trade practices
    • Unfair trade practices / Unfair claims settlement practices
    • Unfair trade practices / Rebating
    • Unfair trade practices / Misrepresentation
    • Unfair trade practices / Defamation
    • Unfair trade practices / Unfair Discrimination
    • Fiduciary responsibilities
    • Rhode Island Property & Casualty Insurance Guaranty Association
    • Rhode Island Property & Casualty Insurance Guaranty Association / Purpose
    • Rhode Island Property & Casualty Insurance Guaranty Association / Scope
    • Premium financing
    • Premium financing / Definitions
    • Premium financing / Limitations on interest
    • Premium financing / Cancellation of insurance contract
    • Privacy of Consumer Information
  • Rhode Island Specific II. Rhode Island Laws, Rules, and Regulations Pertinent to Property Insurance Only
    • Rhode Island Joint Reinsurance Association (RIJRA)
    • Rhode Island Joint Reinsurance Association (RIJRA) / Purposes
    • Rhode Island Joint Reinsurance Association (RIJRA) / Definitions
    • Rhode Island Joint Reinsurance Association (RIJRA) / Inspections and Reports
    • Rhode Island Joint Reinsurance Association (RIJRA) / Cancellation
    • Rhode Island Joint Reinsurance Association (RIJRA) / Limits of Coverage
    • Flood Notice requirements
    • Insurance coverage for lead poisoning
    • Notice of material change
    • Hurricane and windstorm deductibles
  • Rhode Island Specific III. Rhode Island Laws, Rules, and Regulations Pertinent to Casualty Insurance Only
    • Automobile insurance
    • Automobile insurance / Rhode Island Automobile Insurance Plan
    • Automobile insurance / Rhode Island Automobile Insurance Plan / Purpose
    • Automobile insurance / Rhode Island Automobile Insurance Plan / Applicants eligible for plan
    • Automobile insurance / Rhode Island Automobile Insurance Plan / Risks eligible for assignment
    • Automobile insurance / Rhode Island Automobile Insurance Plan / Application process/effective dates
    • Automobile insurance / Rhode Island Automobile Insurance Plan / Extent of coverage
    • Automobile insurance / Compulsory insurance
    • Automobile insurance / Compulsory insurance / Applicability
    • Automobile insurance / Compulsory insurance / Motor Vehicle Reparations Act
    • Automobile insurance / Compulsory insurance / Rental Vehicle Coverage
    • Automobile insurance / Compulsory insurance / Steering- Free Choice of Auto Repair Shop
    • Automobile insurance / Financial responsibility
    • Automobile insurance / Financial responsibility / Purpose and compliance
    • Automobile insurance / Financial responsibility / Required limits
    • Automobile insurance / Financial responsibility / Evidence of coverage
    • Automobile insurance / Financial responsibility / Uninsured motorist identification database
    • Automobile insurance / Financial responsibility / Definition of proof of financial responsibility and safety responsibility
    • Automobile insurance / Renewal, nonrenewal, and cancellation
    • Automobile insurance / Renewal, nonrenewal, and cancellation / Automobile, Liability & Property Damage: Limit on Cancellation
    • Automobile insurance / Renewal, nonrenewal, and cancellation / Personal Automobile Cancellation & Renewal
    • Automobile insurance / Renewal, nonrenewal, and cancellation / Personal Motor Vehicle, HO & Residential Fire
    • Automobile insurance / Uninsured/Underinsured motorists
Examination sources