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Vermont 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.

Business Entity Producer License

Business-entity producer license with no lines of authority, requiring designation of a licensed natural-person producer responsible for compliance; it does not replace individual licensing requirements.

Licensing authority: Vermont Department of Financial Regulation · Application information

Nonresident business entity producer issuance
No examination is required for this applicant pathway.
Designation
Designate a licensed natural-person producer responsible for the entity’s compliance.
Fees
Pay prescribed fees and submit the Uniform Business Entity Application.
Home License
Where reciprocal § 4813h licensure is used, maintain the home-state resident entity license in good standing and satisfy the reciprocity conditions.
Identity
The entity license has no lines of authority and does not replace the natural person’s producer license.
Individual Licensing
Every natural person who sells, solicits, or negotiates personal-lines insurance must separately be licensed for the applicable authority; an entity license does not relieve that obligation.
Maintenance
Replace a terminating designated responsible producer before termination; DFR states the entity license simultaneously terminates when its designated producer license terminates.
Residency
Nonresident business entity; apply electronically through NIPR.

Official no-examination sources

Effective from 2026-09-22.

Business entity reapplication after termination of the designated responsible producer
No examination is required for this applicant pathway.
Designation
Designate a licensed natural-person producer responsible for the entity’s compliance.
Fees
Pay prescribed fees and submit the Uniform Business Entity Application.
Identity
The entity license has no lines of authority and does not replace the natural person’s producer license.
Implementation Instruction
The DFR entity page states: Residents must wait 48 hours after passing their producer examination before submitting an electronic application. The higher-ranked § 4813f(b) defines entity issuance by fees and designation; the entity has no separately identified examination.
Individual Licensing
Every natural person who sells, solicits, or negotiates personal-lines insurance must separately be licensed for the applicable authority; an entity license does not relieve that obligation.
Maintenance
Replace a terminating designated responsible producer before termination; DFR states the entity license simultaneously terminates when its designated producer license terminates.
Residency
Apply as a resident or nonresident business entity according to current residency; comply with the appropriate application procedure.
Termination
DFR states the entity license terminates simultaneously if its designated responsible producer license terminates for any reason; reapply and designate an active licensed natural-person producer.

Official no-examination sources

Effective from 2026-09-22.

Business entity producer renewal
No examination is required for this applicant pathway.
Designation
Designate a licensed natural-person producer responsible for the entity’s compliance.
Fees
Pay prescribed fees and submit the Uniform Business Entity Application.
Filing
Submit the renewal using NIPR with prescribed fees.
Identity
The entity license has no lines of authority and does not replace the natural person’s producer license.
Individual Licensing
Every natural person who sells, solicits, or negotiates personal-lines insurance must separately be licensed for the applicable authority; an entity license does not relieve that obligation.
Maintenance
Replace a terminating designated responsible producer before termination; DFR states the entity license simultaneously terminates when its designated producer license terminates.
Term
Renew by March 31 of the odd-numbered renewal year, resident or nonresident; entity CE is not the individual-producer CE requirement.

Official no-examination sources

Effective from 2026-09-22.

Resident business entity producer issuance
No examination is required for this applicant pathway.
Designation
Designate a licensed natural-person producer responsible for the entity’s compliance.
Fees
Pay prescribed fees and submit the Uniform Business Entity Application.
Identity
The entity license has no lines of authority and does not replace the natural person’s producer license.
Implementation Instruction
The DFR entity page states: Residents must wait 48 hours after passing their producer examination before submitting an electronic application. The higher-ranked § 4813f(b) defines entity issuance by fees and designation; the entity has no separately identified examination.
Individual Licensing
Every natural person who sells, solicits, or negotiates personal-lines insurance must separately be licensed for the applicable authority; an entity license does not relieve that obligation.
Maintenance
Replace a terminating designated responsible producer before termination; DFR states the entity license simultaneously terminates when its designated producer license terminates.
Residency
Resident business entity.

Official no-examination sources

Effective from 2026-09-22.

Insurance Producer — Personal Lines

Individual producer license qualified for personal lines under 8 V.S.A. § 4813g(a)(6); resident and nonresident status are applicant pathways.

Licensing authority: Vermont Department of Financial Regulation · Application information

Nonresident licensure based on a like Canadian provincial license
Vermont Producer's Examination for Personal Lines Insurance
Application
Submit the required nonresident application and fees electronically, subject to the Department’s hardship exception.
Appointment
If acting as an insurer’s agent, appointment is required for the line of authority under § 4813l; appointment is not required when not acting as an insurer’s agent.
Character
Competent, trustworthy, financially responsible, and of good personal and business reputation; no denial grounds under § 4804.
Prior License
Hold a like personal-lines license in a Canadian province (§ 4800(3)(B)(i)); this is a licensing condition, not an examination leaf.
Score Window
If relying on the Vermont examination, apply within 24 months after passing.
Waiver
The Commissioner may excuse the otherwise required Vermont written examination on proof of a comparable examination passed, or continuous possession of a like license before an examination was required (§ 4800(3)(B)(iv)). A Canadian examination is a condition and not a leaf.
Nonresident reapplication after expiration based on a like Canadian provincial license
Vermont Producer's Examination for Personal Lines Insurance
Application
Submit the required nonresident application and fees electronically, subject to the Department’s hardship exception.
Appointment
If acting as an insurer’s agent, appointment is required for the line of authority under § 4813l; appointment is not required when not acting as an insurer’s agent.
Character
Competent, trustworthy, financially responsible, and of good personal and business reputation; no denial grounds under § 4804.
Lapse
Prior Vermont nonresident license expired; apply through the initial-license application and meet the like-license and discretionary examination-waiver conditions.
Prior License
Hold a like personal-lines license in a Canadian province (§ 4800(3)(B)(i)); this is a licensing condition, not an examination leaf.
Score Window
If relying on the Vermont examination, apply within 24 months after passing.
Waiver
The Commissioner may excuse the otherwise required Vermont written examination on proof of a comparable examination passed, or continuous possession of a like license before an examination was required (§ 4800(3)(B)(iv)). A Canadian examination is a condition and not a leaf.
Continued nonresident licensure after change of home state residence
No examination is required for this applicant pathway.
Application
No fee or license application for the § 4813h(c) address-change procedure.
Deadline
File the address change and new resident-state certification within 30 days.
Home License
Maintain the like resident home-state personal-lines license and required good standing; this does not issue a new unqualified Vermont license.
Status
Existing nonresident producer moves between home states, or an existing Vermont resident producer relocates out of Vermont.

Official no-examination sources

Effective from 2026-09-22.

Nonresident reapplication after expiration
No examination is required for this applicant pathway.
Application
Proper request, fees, and home-state application or Uniform Application; apply electronically through NIPR unless a hardship exception is granted.
Appointment
If acting as an insurer’s agent, appointment is required for the line of authority under § 4813l; appointment is not required when not acting as an insurer’s agent.
Exemption
The same-line licensing exemption in § 4813i(a) removes the Vermont examination.
Home License
Current resident producer license in good standing for the same personal-lines authority in the home state.
Lapse
The prior Vermont nonresident license has expired; apply through the initial-license application. NIPR lists no separate late-renewal or reinstatement period.
Reciprocity
Home state must award nonresident producer licenses to Vermont residents on the same basis.
Standing
NAIC producer database may verify licensing; denial grounds remain applicable.

Official no-examination sources

Effective from 2026-09-22.

Nonresident licensure by reciprocal home state license
No examination is required for this applicant pathway.
Application
Proper request, fees, and home-state application or Uniform Application; apply electronically through NIPR unless a hardship exception is granted.
Appointment
If acting as an insurer’s agent, appointment is required for the line of authority under § 4813l; appointment is not required when not acting as an insurer’s agent.
Exemption
The same-line licensing exemption in § 4813i(a) removes the Vermont examination.
Home License
Current resident producer license in good standing for the same personal-lines authority in the home state.
Reciprocity
Home state must award nonresident producer licenses to Vermont residents on the same basis.
Standing
NAIC producer database may verify licensing; denial grounds remain applicable.

Official no-examination sources

Effective from 2026-09-22.

Nonresident timely renewal
No examination is required for this applicant pathway.
Continuing Education
Where the home state or district requires CE, satisfy it and submit adequate completion documentation to obtain the § 4800a(d) exception. Otherwise applicable Vermont renewal CE requirements remain a condition.
Fees
Pay prescribed renewal fees.
Filing
Renew via NIPR by March 31 of the odd-numbered renewal year, with the Department’s paper hardship exception where permitted.
Status
Existing nonresident producer license not revoked or suspended; maintain resident home-state licensing in good standing.

Official no-examination sources

Effective from 2026-09-22.

Resident initial licensure by examination
Vermont Producer's Examination for Personal Lines Insurance
Application
Submit the Uniform Application, truthful disclosures, requested verification documents, and prescribed fees. Electronic applications use NIPR.
Appointment
If acting as an insurer’s agent, appointment is required for the line of authority under § 4813l; appointment is not required when not acting as an insurer’s agent.
Character
Competent, trustworthy, financially responsible, and of good personal and business reputation; no denial grounds under § 4804.
Electronic Timing
Wait 48 hours after passing before applying electronically through NIPR.
Minimum Age
At least 18 years old (§ 4813f(a)(1)).
Qualification
Personal-lines authority covers property and casualty insurance sold to individuals and families primarily for noncommercial purposes.
Residency
Reside in Vermont or maintain the principal place of business in Vermont; resident licensure elects Vermont residency.
Score Proof
For paper submission provide the original passing score report for the line applied for.
Score Window
Submit the license application within 24 months after passing the examination (§ 4800(3)(D)(i)).
Resident renewal or restoration following a lapse with a hardship waiver request
Vermont Producer's Examination for Personal Lines Insurance
Application
Submit the Uniform Application, truthful disclosures, requested verification documents, and prescribed fees. Electronic applications use NIPR.
Appointment
If acting as an insurer’s agent, appointment is required for the line of authority under § 4813l; appointment is not required when not acting as an insurer’s agent.
Character
Competent, trustworthy, financially responsible, and of good personal and business reputation; no denial grounds under § 4804.
Continuing Education
Address outstanding CE and any granted statutory extension.
Discretion
A request is not an automatic waiver. The required producer examination remains involved for a new-license reapplication unless excused.
Hardship
Military service or another extenuating circumstance, including long-term medical disability, prevented compliance with renewal procedures.
Minimum Age
At least 18 years old (§ 4813f(a)(1)).
Qualification
Personal-lines authority covers property and casualty insurance sold to individuals and families primarily for noncommercial purposes.
Request
Request a Commissioner waiver under § 4813g(c) of renewal procedures, any otherwise applicable examination requirement, fine, or sanction.
Score Window
Where no exception or waiver applies, meet the applicable new-license requirements and 24-month score window.
Resident late renewal within the implementing grace period
No examination is required for this applicant pathway.
Continuing Education
Complete CE before the original expiration date.
Filing
Submit renewal fees and application within the NIPR grace period; the implementation grace does not authorize unlicensed practice.
Implementation Grace
NIPR allows the renewal application within 14 days after expiration for CE-compliant applicants.
Statutory Deadline
8 V.S.A. § 4798(b)(3) states renewal must be filed prior to expiration: (3) the licensee prior to the expiration of the license has filed with the Commissioner, on forms prescribed and furnished by the Commissioner, a request for renewal of such license for an ensuing 24-month period. Such request must be accompanied by payment of the renewal fee as provided in subdivision 4800(2) of this title.

Official no-examination sources

Effective from 2026-09-22.

Resident licensure with prior same line licensing exemption
No examination is required for this applicant pathway.
Application
Submit the Uniform Application, truthful disclosures, requested verification documents, and prescribed fees. Electronic applications use NIPR.
Appointment
If acting as an insurer’s agent, appointment is required for the line of authority under § 4813l; appointment is not required when not acting as an insurer’s agent.
Character
Competent, trustworthy, financially responsible, and of good personal and business reputation; no denial grounds under § 4804.
Exemption
No prelicensing education or examination under § 4813i(a).
Good Standing
Prior-state certification or NAIC producer-database evidence must show good standing for the same requested line.
Minimum Age
At least 18 years old (§ 4813f(a)(1)).
Prior License
Previously licensed for personal lines; currently licensed in that state or application received within 90 days after cancellation.
Qualification
Personal-lines authority covers property and casualty insurance sold to individuals and families primarily for noncommercial purposes.
Residency
Qualify as a Vermont resident; electronic applications cannot be submitted while an active resident license is held elsewhere (NIPR resident application rule).

Official no-examination sources

Effective from 2026-09-22.

Resident reapplication more than two years after expiration
Vermont Producer's Examination for Personal Lines Insurance
Application
Submit the Uniform Application, truthful disclosures, requested verification documents, and prescribed fees. Electronic applications use NIPR.
Appointment
If acting as an insurer’s agent, appointment is required for the line of authority under § 4813l; appointment is not required when not acting as an insurer’s agent.
Character
Competent, trustworthy, financially responsible, and of good personal and business reputation; no denial grounds under § 4804.
Lapse
More than two years since expiration; apply as a new licensee.
Minimum Age
At least 18 years old (§ 4813f(a)(1)).
Qualification
Personal-lines authority covers property and casualty insurance sold to individuals and families primarily for noncommercial purposes.
Score Window
Meet new-license examination requirements; apply within 24 months after passing.
Statutory Exception
A qualifying same-line license elsewhere may establish the statutory § 4813i exemption; provide the required good-standing proof.
Resident reinstatement within two years after expiration
Vermont Producer's Examination for Personal Lines Insurance
Application
Submit the Uniform Application, truthful disclosures, requested verification documents, and prescribed fees. Electronic applications use NIPR.
Appointment
If acting as an insurer’s agent, appointment is required for the line of authority under § 4813l; appointment is not required when not acting as an insurer’s agent.
Character
Competent, trustworthy, financially responsible, and of good personal and business reputation; no denial grounds under § 4804.
Continuing Education
Complete all required CE before reinstatement. NIPR expressly requires meeting examination requirements when CE was incomplete at expiration.
Implementation
NIPR’s Insurance Producer reinstatement table says: Up to 2 years after expiration. Must apply through the initial license application. Applicant must complete all required continuing education before reinstatement.
Lapse
Apply within two years after expiration using the initial-license application.
Minimum Age
At least 18 years old (§ 4813f(a)(1)).
Qualification
Personal-lines authority covers property and casualty insurance sold to individuals and families primarily for noncommercial purposes.
Score Window
The general issuance requirement is a passing result within 24 months before applying (§ 4800(3)(D)(i)); prior passing evidence, a same-line statutory exemption, or a Board waiver affects whether this applicant must sit again.
Resident licensure after relocation to Vermont
No examination is required for this applicant pathway.
Application
Submit the Uniform Application, truthful disclosures, requested verification documents, and prescribed fees. Electronic applications use NIPR.
Appointment
If acting as an insurer’s agent, appointment is required for the line of authority under § 4813l; appointment is not required when not acting as an insurer’s agent.
Character
Competent, trustworthy, financially responsible, and of good personal and business reputation; no denial grounds under § 4804.
Deadline
Apply within 90 days of establishing legal residence in Vermont.
Exemption
No prelicensing education or examination for the previously held line, except where the Commissioner determines otherwise by regulation (§ 4813i(b)).
Minimum Age
At least 18 years old (§ 4813f(a)(1)).
Prior License
Licensed as a producer in another state for the personal-lines authority previously held.
Qualification
Personal-lines authority covers property and casualty insurance sold to individuals and families primarily for noncommercial purposes.

Official no-examination sources

Effective from 2026-09-22.

Resident timely renewal
No examination is required for this applicant pathway.
Continuing Education
Complete 24 hours during the preceding two years under § 4800a, subject to statutory extensions and applicable approved-course requirements.
Fees
Pay prescribed renewal fees.
Filing
Renew electronically through NIPR; paper is allowed only if electronic renewal is unavailable or a hardship exception is granted.
Status
Existing producer license not revoked or suspended; renew personal-lines qualification before expiration.
Term
Producer licenses expire April 1 of odd-numbered years; complete renewal by the preceding March 31.

Official no-examination sources

Effective from 2026-09-22.

Nonresident Limited Lines Producer License

Restricted personal-lines authority under § 4813h(d), limited to the scope of the applicant’s home-state license; other limited insurance lines are outside this family.

Licensing authority: Vermont Department of Financial Regulation · Application information

Nonresident restricted personal lines issuance
No examination is required for this applicant pathway.
Appointment
Meet insurer-appointment requirements when acting as an insurer’s agent.
Discretion
Commissioner may allow restricted nonresident licensure under § 4813h(d); § 4813i(f) permits examination exemption, exercised by the bulletin’s limited-lines waiver.
Home License
Home-state limited-lines authority is less than the total personal-lines authority in § 4813g(a)(6); Vermont grants the same restricted scope.
Reciprocity
Meet § 4813h(a) home-state good-standing, reciprocity, application, and fee conditions.

Official no-examination sources

Effective from 2026-09-22.

Nonresident restricted personal lines reapplication after expiration
No examination is required for this applicant pathway.
Appointment
Meet insurer-appointment requirements when acting as an insurer’s agent.
Discretion
Commissioner may allow restricted nonresident licensure under § 4813h(d); § 4813i(f) permits examination exemption, exercised by the bulletin’s limited-lines waiver.
Home License
Home-state limited-lines authority is less than the total personal-lines authority in § 4813g(a)(6); Vermont grants the same restricted scope.
Lapse
The prior Vermont nonresident license has expired; apply through the initial-license application. NIPR lists no separate late-renewal or reinstatement period.
Reciprocity
Meet § 4813h(a) home-state good-standing, reciprocity, application, and fee conditions.

Official no-examination sources

Effective from 2026-09-22.

Nonresident restricted personal lines renewal
No examination is required for this applicant pathway.
Home License
Continue the same home-state restricted authority and required good standing.
Scope
Authority remains no broader than the qualifying home-state restricted personal-lines authority.
Term
Renew by March 31 of the odd-numbered year with prescribed renewal fees.

Official no-examination sources

Effective from 2026-09-22.

Temporary Insurance Producer License

Temporary servicing of personal-lines insurance business under § 4813k; no more than 180 days.

Licensing authority: Vermont Department of Financial Regulation · Application information

Temporary servicing — entity death disability
No examination is required for this applicant pathway.
Discretion
Commissioner must find temporary issuance necessary to service the insurance business.
Eligibility
Member or employee of a licensed producer business entity after death or disability of the designated individual.
Scope
Commissioner may restrict authority, require a suitable licensed-producer or insurer sponsor responsible for the temporary licensee’s acts, and revoke the license if public interests are endangered.
Term
No more than 180 days; cannot continue after the owner or personal representative disposes of the business.

Official no-examination sources

Effective from 2026-09-22.

Temporary servicing — military designee
No examination is required for this applicant pathway.
Discretion
Commissioner must find temporary issuance necessary to service the insurance business.
Eligibility
Designee of a licensed producer entering active United States Armed Forces service.
Scope
Commissioner may restrict authority, require a suitable licensed-producer or insurer sponsor responsible for the temporary licensee’s acts, and revoke the license if public interests are endangered.
Term
No more than 180 days; cannot continue after the owner or personal representative disposes of the business.

Official no-examination sources

Effective from 2026-09-22.

Temporary servicing — public interest
No examination is required for this applicant pathway.
Discretion
Commissioner must find temporary issuance necessary to service the insurance business.
Eligibility
Another circumstance in which the Commissioner determines temporary issuance best serves the public interest.
Scope
Commissioner may restrict authority, require a suitable licensed-producer or insurer sponsor responsible for the temporary licensee’s acts, and revoke the license if public interests are endangered.
Term
No more than 180 days; cannot continue after the owner or personal representative disposes of the business.

Official no-examination sources

Effective from 2026-09-22.

Temporary servicing — surviving spouse
No examination is required for this applicant pathway.
Discretion
Commissioner must find temporary issuance necessary to service the insurance business.
Eligibility
Surviving spouse or court-appointed personal representative of a producer who died or became mentally or physically disabled; service the business for sale, recovery, or training/licensing replacement personnel.
Scope
Commissioner may restrict authority, require a suitable licensed-producer or insurer sponsor responsible for the temporary licensee’s acts, and revoke the license if public interests are endangered.
Term
No more than 180 days; cannot continue after the owner or personal representative disposes of the business.

Official no-examination sources

Effective from 2026-09-22.

Vermont Producer's Examination for Personal Lines Insurance

Provider
Prometric
Format
Computer-administered four-option multiple-choice examination
Exam questions
100 scored questions plus 5 unscored items
Time limit
2 hours
Examination outline
  • Insurance Regulation (8%)
    • Licensing
    • Licensing / Process (4800; 4813f)
    • Licensing / Types of licensees (4791)
    • Licensing / Types of licensees (4791) / Resident (4800(3)(A))
    • Licensing / Types of licensees (4791) / Nonresident (4800(3)(B); 4813h)
    • Licensing / Maintenance and duration
    • Licensing / Maintenance and duration / Renewal and expiration (4798)
    • Licensing / Maintenance and duration / Address change (4800(3)(F))
    • Licensing / Maintenance and duration / Assumed business name (4813j)
    • Licensing / Maintenance and duration / Reporting of actions (4813o)
    • Licensing / Maintenance and duration / Continuing education requirements (4800a; Reg 2000-2 Sec 4)
    • Licensing / Disciplinary actions
    • Licensing / Disciplinary actions / Denial of license (4800(3)(E))
    • Licensing / Disciplinary actions / Cease and desist order (3661)
    • Licensing / Disciplinary actions / Suspension, revocation or nonrenewal (4804; 4806)
    • Licensing / Disciplinary actions / Penalties (3661(a)(2); 4804(d))
    • State regulation
    • State regulation / Commissioner's general duties and powers (4726; 4804)
    • State regulation / Company regulation
    • State regulation / Company regulation / Certificate of authority (3368)
    • State regulation / Company regulation / Unfair claim settlement practices (4724(9); Reg 79-2 Sec 1–7)
    • State regulation / Company regulation / Policy forms (3541)
    • State regulation / Company regulation / Examination of records (3565)
    • State regulation / Company regulation / Producer appointment (4798(d); 4813l)
    • State regulation / Company regulation / Termination of appointment (4798(d); 4813m)
    • State regulation / Producer regulation
    • State regulation / Producer regulation / Acting without a license (4793; 4813c)
    • State regulation / Producer regulation / Shared commissions (4796)
    • State regulation / Producer regulation / Trust accounts — anti-commingling (Reg 95-1; 4724(12))
    • State regulation / Producer regulation / Controlled business (4795)
    • State regulation / Producer regulation / Duties (4813c)
    • State regulation / Unfair trade practices (4724)
    • State regulation / Unfair trade practices (4724) / Misrepresentation (4724(1, 11, 13))
    • State regulation / Unfair trade practices (4724) / False advertising (4724(2))
    • State regulation / Unfair trade practices (4724) / Defamation (4724(3))
    • State regulation / Unfair trade practices (4724) / Boycott, coercion and intimidation (4724(4))
    • State regulation / Unfair trade practices (4724) / False financial statements and entries (4724(5))
    • State regulation / Unfair trade practices (4724) / Illegal inducement (4724(6))
    • State regulation / Unfair trade practices (4724) / Unfair discrimination (4724(7))
    • State regulation / Unfair trade practices (4724) / Rebating (4724(8))
    • State regulation / Unfair trade practices (4724) / Failure to maintain complaint record (4724(10))
    • State regulation / Unfair trade practices (4724) / Failure to act as fiduciary (4724(12); Reg 95-1)
    • State regulation / Unfair trade practices (4724) / Unsuitability (4724(16))
    • State regulation / Unfair trade practices (4724) / Nondisclosure of fees or charges (4724(14))
    • State regulation / Consumer privacy regulation (IH-2001-01)
    • Federal regulation
    • Federal regulation / Fair Credit Reporting Act (15 USC 1681–1681d)
    • Federal regulation / Fraud and false statements (18 USC 1033, 1034)
  • General Insurance (7%)
    • Concepts
    • Concepts / Risk management key terms
    • Concepts / Risk management key terms / Risk
    • Concepts / Risk management key terms / Exposure
    • Concepts / Risk management key terms / Hazard
    • Concepts / Risk management key terms / Peril
    • Concepts / Risk management key terms / Loss
    • Concepts / Methods of handling risk
    • Concepts / Methods of handling risk / Avoidance
    • Concepts / Methods of handling risk / Retention
    • Concepts / Methods of handling risk / Sharing
    • Concepts / Methods of handling risk / Reduction
    • Concepts / Methods of handling risk / Transfer
    • Concepts / Elements of insurable risks
    • Concepts / Adverse selection
    • Concepts / Law of large numbers
    • Concepts / Reinsurance
    • Insurers
    • Insurers / Types of insurers
    • Insurers / Types of insurers / Captive insurers
    • Insurers / Types of insurers / Stock companies
    • Insurers / Types of insurers / Mutual companies
    • Insurers / Types of insurers / Fraternal benefit societies
    • Insurers / Types of insurers / Lloyd's associations
    • Insurers / Types of insurers / Risk retention groups
    • Insurers / Private versus government insurers
    • Insurers / Admitted versus nonadmitted insurers
    • Insurers / Domestic, foreign and alien insurers
    • Insurers / Financial status (independent rating services)
    • Insurers / Marketing (distribution) systems
    • Producers and general rules of agency
    • Producers and general rules of agency / Insurer as principal
    • Producers and general rules of agency / Producer/insurer relationship
    • Producers and general rules of agency / Authority and powers of producers
    • Producers and general rules of agency / Authority and powers of producers / Express
    • Producers and general rules of agency / Authority and powers of producers / Implied
    • Producers and general rules of agency / Authority and powers of producers / Apparent
    • Contracts
    • Contracts / Elements of a legal contract
    • Contracts / Elements of a legal contract / Offer and acceptance
    • Contracts / Elements of a legal contract / Consideration
    • Contracts / Elements of a legal contract / Competent parties
    • Contracts / Elements of a legal contract / Legal purpose
    • Contracts / Distinct characteristics of an insurance contract
    • Contracts / Distinct characteristics of an insurance contract / Contract of adhesion
    • Contracts / Distinct characteristics of an insurance contract / Aleatory contract
    • Contracts / Distinct characteristics of an insurance contract / Personal contract
    • Contracts / Distinct characteristics of an insurance contract / Unilateral contract
    • Contracts / Legal interpretations affecting contracts
    • Contracts / Legal interpretations affecting contracts / Ambiguities in a contract of adhesion
    • Contracts / Legal interpretations affecting contracts / Reasonable expectations
    • Contracts / Legal interpretations affecting contracts / Indemnity
    • Contracts / Legal interpretations affecting contracts / Utmost good faith
    • Contracts / Legal interpretations affecting contracts / Representations/misrepresentations
    • Contracts / Legal interpretations affecting contracts / Warranties
    • Contracts / Legal interpretations affecting contracts / Concealment
    • Contracts / Legal interpretations affecting contracts / Fraud
    • Contracts / Legal interpretations affecting contracts / Waiver and estoppel
  • Property and Casualty Insurance Basics (15%)
    • Principles and concepts
    • Principles and concepts / Insurable interest
    • Principles and concepts / Underwriting
    • Principles and concepts / Underwriting / Function
    • Principles and concepts / Underwriting / Loss ratio
    • Principles and concepts / Rates
    • Principles and concepts / Rates / Types
    • Principles and concepts / Rates / Loss costs
    • Principles and concepts / Rates / Components
    • Principles and concepts / Hazards
    • Principles and concepts / Hazards / Physical
    • Principles and concepts / Hazards / Moral
    • Principles and concepts / Hazards / Morale
    • Principles and concepts / Negligence
    • Principles and concepts / Negligence / Elements of a negligent act
    • Principles and concepts / Negligence / Defenses against negligence
    • Principles and concepts / Damages
    • Principles and concepts / Damages / Compensatory — special versus general
    • Principles and concepts / Damages / Punitive
    • Principles and concepts / Absolute liability
    • Principles and concepts / Strict liability
    • Principles and concepts / Vicarious liability
    • Principles and concepts / Causes of loss (perils)
    • Principles and concepts / Named perils versus special (open) perils
    • Principles and concepts / Direct loss
    • Principles and concepts / Consequential or indirect loss
    • Principles and concepts / Blanket versus specific insurance
    • Principles and concepts / Basic types of construction
    • Principles and concepts / Loss valuation
    • Principles and concepts / Loss valuation / Actual cash value
    • Principles and concepts / Loss valuation / Replacement cost
    • Principles and concepts / Loss valuation / Functional replacement cost
    • Principles and concepts / Loss valuation / Market value
    • Principles and concepts / Loss valuation / Agreed value
    • Principles and concepts / Loss valuation / Stated amount
    • Principles and concepts / Loss valuation / Valued policy
    • Policy structure
    • Policy structure / Declarations
    • Policy structure / Definitions
    • Policy structure / Insuring agreement or clause
    • Policy structure / Additional/supplementary coverage
    • Policy structure / Conditions
    • Policy structure / Exclusions
    • Policy structure / Endorsements
    • Common policy provisions
    • Common policy provisions / Insureds — named, first named, additional
    • Common policy provisions / Policy period
    • Common policy provisions / Policy territory
    • Common policy provisions / Cancellation and nonrenewal
    • Common policy provisions / Deductibles
    • Common policy provisions / Other insurance
    • Common policy provisions / Other insurance / Nonconcurrency
    • Common policy provisions / Other insurance / Primary and excess
    • Common policy provisions / Other insurance / Pro rata
    • Common policy provisions / Limits of liability
    • Common policy provisions / Limits of liability / Per occurrence (accident)
    • Common policy provisions / Limits of liability / Per person
    • Common policy provisions / Limits of liability / Split
    • Common policy provisions / Limits of liability / Combined single
    • Common policy provisions / Restoration/nonreduction of limits
    • Common policy provisions / Coinsurance
    • Common policy provisions / Vacancy or unoccupancy
    • Common policy provisions / Named insured provisions
    • Common policy provisions / Named insured provisions / Duties after loss
    • Common policy provisions / Named insured provisions / Assignment
    • Common policy provisions / Named insured provisions / Abandonment
    • Common policy provisions / Insurer provisions
    • Common policy provisions / Insurer provisions / Liberalization
    • Common policy provisions / Insurer provisions / Subrogation
    • Common policy provisions / Insurer provisions / Salvage
    • Common policy provisions / Insurer provisions / Claim settlement options
    • Common policy provisions / Insurer provisions / Duty to defend
    • Common policy provisions / Third-party provisions
    • Common policy provisions / Third-party provisions / Standard mortgage clause
    • Common policy provisions / Third-party provisions / Loss payable clause
    • Common policy provisions / Third-party provisions / No benefit to Bailee
    • Vermont laws, regulations and required provisions
    • Vermont laws, regulations and required provisions / Vermont Property and Casualty Insurance Guaranty Association (3611–3626)
    • Vermont laws, regulations and required provisions / Renewal notice (3882)
    • Vermont laws, regulations and required provisions / Cancellation and nonrenewal (3879–3881; 3883)
    • Vermont laws, regulations and required provisions / Consent to rate (4688(f); Reg I-2010-03))
    • Vermont laws, regulations and required provisions / Loss payment (3868; Reg 79-2 Sec 6, 8)
    • Vermont laws, regulations and required provisions / Discrimination (3861)
    • Vermont laws, regulations and required provisions / Coinsurance (3961–3968)
    • Vermont laws, regulations and required provisions / Required provisions (4203)
  • Dwelling Policy (5%)
    • Characteristics and purpose
    • Coverage forms — Perils insured against
    • Coverage forms — Perils insured against / Basic
    • Coverage forms — Perils insured against / Broad
    • Coverage forms — Perils insured against / Special
    • Property coverages
    • Property coverages / Coverage A — Dwelling
    • Property coverages / Coverage B — Other structures
    • Property coverages / Coverage C — Personal property
    • Property coverages / Coverage D — Fair rental value
    • Property coverages / Coverage E — Additional living expense
    • Property coverages / Other coverages
    • General exclusions
    • Conditions
    • Selected endorsements
    • Selected endorsements / Special provisions — Vermont (DP 01 44)
    • Selected endorsements / Automatic increase in insurance (DP 04 11)
    • Selected endorsements / Broad theft coverage (DP 04 72)
    • Selected endorsements / Dwelling under construction (DP 11 43)
    • Personal liability supplement
  • Homeowners Policy (25%)
    • Coverage forms
    • Coverage forms / HO-2 through HO-6
    • Definitions
    • Section I — Property coverages
    • Section I — Property coverages / Coverage A — Dwelling
    • Section I — Property coverages / Coverage B — Other structures
    • Section I — Property coverages / Coverage C — Personal property
    • Section I — Property coverages / Coverage D — Loss of use
    • Section I — Property coverages / Additional coverages
    • Section II — Liability coverages
    • Section II — Liability coverages / Coverage E — Personal liability
    • Section II — Liability coverages / Coverage F — Medical payments to others
    • Section II — Liability coverages / Additional coverages
    • Perils insured against
    • Exclusions
    • Conditions
    • Selected endorsements
    • Selected endorsements / Special provisions — Vermont (HO 01 44)
    • Selected endorsements / Limited fungi, wet or dry rot, or bacteria coverage — Vermont (HO 04 02)
    • Selected endorsements / Permitted incidental occupancies (HO 04 42)
    • Selected endorsements / Earthquake (HO 04 54)
    • Selected endorsements / Scheduled personal property (HO 04 61)
    • Selected endorsements / Personal property replacement cost (HO 04 90)
    • Selected endorsements / Home day care — Vermont (HO 23 45)
    • Selected endorsements / Business pursuits (HO 24 71)
    • Selected endorsements / Watercraft (HO 24 75)
    • Selected endorsements / Personal injury (HO 24 82)
  • Auto Insurance (28%)
    • Laws
    • Laws / Vermont Motor Vehicle Financial Responsibility and Insurance Laws (Title 23 Sec 800–943)
    • Laws / Vermont Motor Vehicle Financial Responsibility and Insurance Laws (Title 23 Sec 800–943) / Required limits of liability (Title 23 Sec 801)
    • Laws / Vermont Motor Vehicle Financial Responsibility and Insurance Laws (Title 23 Sec 800–943) / Required proof of insurance (Bul 77)
    • Laws / Vermont Automobile Insurance Plan (4241–4246)
    • Laws / Vermont Automobile Insurance Plan (4241–4246) / Eligibility
    • Laws / Vermont Automobile Insurance Plan (4241–4246) / Liability limitations
    • Laws / Vermont Automobile Insurance Plan (4241–4246) / Physical damage coverage limitations
    • Laws / Uninsured/underinsured motorist (Title 23 Sec 941)
    • Laws / Uninsured/underinsured motorist (Title 23 Sec 941) / Definitions
    • Laws / Uninsured/underinsured motorist (Title 23 Sec 941) / Required limits of liability
    • Laws / Uninsured/underinsured motorist (Title 23 Sec 941) / Bodily injury
    • Laws / Uninsured/underinsured motorist (Title 23 Sec 941) / Property damage
    • Laws / Cancellation/nonrenewal
    • Laws / Cancellation/nonrenewal / Grounds (4223)
    • Laws / Cancellation/nonrenewal / Notice (4224–4226)
    • Laws / Cancellation/nonrenewal / Notice of eligibility in assigned risk plan (4227)
    • Laws / Binders (Title 23 Sec 942)
    • Laws / Surcharges (4671–4675)
    • Personal auto policy
    • Personal auto policy / Definitions
    • Personal auto policy / Liability coverage
    • Personal auto policy / Liability coverage / Bodily injury and property damage
    • Personal auto policy / Liability coverage / Supplementary payments
    • Personal auto policy / Liability coverage / Exclusions
    • Personal auto policy / Medical payments
    • Personal auto policy / Uninsured motorist/underinsured motorist coverage
    • Personal auto policy / Coverage for damage to your auto
    • Personal auto policy / Coverage for damage to your auto / Collision
    • Personal auto policy / Coverage for damage to your auto / Other than collision
    • Personal auto policy / Coverage for damage to your auto / Deductibles
    • Personal auto policy / Coverage for damage to your auto / Transportation expense
    • Personal auto policy / Coverage for damage to your auto / Exclusions
    • Personal auto policy / Duties after an accident or loss
    • Personal auto policy / General provisions
    • Personal auto policy / Selected endorsements
    • Personal auto policy / Selected endorsements / Amendment of policy provisions — Vermont (PP 01 72)
    • Personal auto policy / Selected endorsements / Towing and labor costs (PP 03 03)
    • Personal auto policy / Selected endorsements / Extended non-owned coverage (PP 03 06)
    • Personal auto policy / Selected endorsements / Miscellaneous type vehicle (PP 03 23)
    • Personal auto policy / Selected endorsements / Joint ownership coverage — Vermont (PP 03 80)
  • Farm Coverage (2%)
    • Farm property coverage forms
    • Farm property coverage forms / Coverage A — Dwellings
    • Farm property coverage forms / Coverage B — Other private structures
    • Farm property coverage forms / Coverage C — Household personal property
    • Farm property coverage forms / Coverage D — Loss of use
    • Farm property coverage forms / Coverage E — Scheduled farm personal property
    • Farm property coverage forms / Coverage F — Unscheduled farm personal property
    • Farm property coverage forms / Coverage G — Other farm structures
    • Farm property coverage forms / Mobile agricultural machinery and equipment coverage form
    • Farm property coverage forms / Livestock coverage form
    • Farm liability coverage forms
    • Farm liability coverage forms / Coverage H — Bodily injury and property damage liability
    • Farm liability coverage forms / Coverage I — Personal and advertising injury liability
    • Farm liability coverage forms / Coverage J — Medical payments
    • Cause of loss (basic, broad and special)
    • Exclusions
    • Other provisions
    • Other provisions / Additional coverages
    • Other provisions / Conditions
    • Other provisions / Definitions
    • Other provisions / Limits
  • Other Coverages and Options (10%)
    • Personal umbrella policy (DL 98 01)
    • National Flood Insurance Program
    • National Flood Insurance Program / "Write your own" versus government
    • National Flood Insurance Program / Eligibility
    • National Flood Insurance Program / Coverage
    • National Flood Insurance Program / Limits
    • National Flood Insurance Program / Deductibles
    • Other policies
    • Other policies / Boatowners
Examination sources