Revise with instant feedback: the moment you pick an answer you see whether it was right, with the written, source-cited explanation. Untimed — ideal before you sit a mock exam. Questions you miss keep coming back until you know them.
Exam-day conditions: no feedback until you submit, each module scored separately like the real test, with a full question-by-question review at the end.
Each module is scored separately here so you know exactly where you stand. To pass the real Massachusetts exam you need 70%.
The free sample gives you about 20 questions per module. The full bank contains every question — general insurance plus state law — with written, statute-cited explanations. $49, one time, lifetime access on up to 3 devices — every state and line we add later included.
✓ One purchase, use it on up to 3 of your devices · no subscription · no account needed
Massachusetts licenses Property producers and Casualty producers as separate exams of 100 scored questions each (2 hours, 70% to pass), moving from Prometric to Pearson VUE on 22 July 2026. This bank covers the national property & casualty material plus Massachusetts law - compulsory auto (the 25/50/30 minimum limits, PIP no-fault and the Massachusetts auto policy under c.90 and c.175), the standard fire policy, the Insurers Insolvency Fund, surplus lines and the FAIR plan, and workers' compensation under c.152.
You need 70%. Revise each module to that level in Revision Mode, then run the full exam simulation in Exam Mode before your test date.
No vendor publishes the live exam. Every question here is original, written to the official content outline and grounded in public-domain sources — including the Massachusetts General Laws (c.175, c.90 and c.152) for the state-law questions, with the statute section cited in each explanation.
The full Massachusetts bank contains 968 questions (general insurance plus Massachusetts law), with written, source-cited explanations. The free sample gives you about 20 questions per module.
$49, one time, for lifetime access — and it includes every state and line we add later, at no extra charge. No subscription.
Yes. One purchase works on up to 3 of your devices, for example your laptop, phone and tablet, so you can practise wherever you are. Your progress is saved on each device.
No. The practice tests run in your browser with no signup. Your score history is saved on your own device.
A selection of free questions with answers and explanations. Use the interactive modules above for timed, scored drills.
Under M.G.L. c.176D §3, refusing to pay claims without conducting a reasonable investigation based on available information is...?
Why: M.G.L. c.176D §3(9)(d) lists refusing to pay claims without conducting a reasonable investigation based upon all available information as an unfair claim settlement practice — therefore the second option is correct.
Under 211 CMR 131.00, the mandatory homeowners lead-poisoning liability coverage must provide a minimum limit per occurrence of:
Why: 211 CMR 131.00 requires homeowners policies to provide at least $100,000 per occurrence of lead-poisoning liability coverage — therefore $100,000.
Under M.G.L. c.175D §8, once the commissioner receives notice that a member insurer has been determined insolvent, the Fund must be notified within:
Why: M.G.L. c.175D §8 requires the commissioner to notify the Fund not later than three days after receiving notice of the determination of insolvency — therefore three days.
Which is a standard exclusion under the Business Auto Coverage Form liability coverage?
Why: The BACF excludes liability covered by workers compensation and injury to an employee arising out of and in the course of employment, among other exclusions.
Under M.G.L. c.175C §4, membership in the FAIR Plan joint underwriting association is:
Why: M.G.L. c.175C §4 requires every insurer licensed to write basic property insurance to be a member as a condition of its authority — therefore membership is mandatory.
What is the primary purpose of a Commercial Package Policy (CPP)?
Why: A CPP allows two or more coverage parts (e.g., property, general liability, crime) to be combined under a single policy with shared declarations and conditions.
Section III of the BOP contains:
Why: Section III contains the Common Policy Conditions (cancellation, changes, etc.) that apply to the entire Businessowners Policy.
Proof of automobile insurance coverage is most commonly evidenced by:
Why: An insurance identification card showing the insurer, policy number, vehicle, and policy period is the standard proof of coverage carried by drivers.
Section 37 of c.152 (Second Injury Fund) requires that the employer, before the second injury, had...?
Why: c.152 §37 requires the employer to have had personal knowledge of the pre-existing physical impairment (obtained within 30 days of hiring or retention) to qualify for reimbursement — therefore prior personal knowledge of the impairment.
Under c.175 §113L, when an insured is covered by two or more auto policies, the uninsured motorist limits...?
Why: c.175 §113L bars stacking: regardless of the number of vehicles, policies, persons, or premiums, UM limits may not be added, combined, or stacked — therefore they may not be stacked.
Under M.G.L. c.175 §6, the commissioner acts on a domestic stock company (other than life) when its capital is impaired to the extent of...?
Why: M.G.L. c.175 §6 addresses a domestic stock company, other than life, whose capital is impaired to the extent of one quarter or more — therefore the first option is correct.
After written demand, a P&C agent fails to pay a collected premium over to the insurer, keeping it for himself. Under M.G.L. c.175 §176, the agent may be found guilty of...?
Why: M.G.L. c.175 §176 provides that failure to pay the premium over after written demand is prima facie evidence of misuse, and upon conviction the agent shall be guilty of larceny — therefore the second option is correct.
Under M.G.L. c.175 §177E, a newly licensed P&C producer must, prior to the initial renewal date, complete a minimum of...?
Why: M.G.L. c.175 §177E requires a minimum of 60 hours of instruction prior to the initial renewal date of the license — therefore the fourth option is correct.
Maria's employer illegally carried no workers' compensation insurance when she was injured on the job. Under c.152 §65, she may obtain benefits from...?
Why: c.152 §65 provides for payment of approved claims against uninsured employers from the Workers' Compensation Trust Fund — therefore the Trust Fund.
A risk retention group (RRG) is:
Why: Authorized under the federal Liability Risk Retention Act, an RRG is a member-owned insurer that writes liability coverage for its members engaged in similar or related businesses.
In insurance, exposure refers to:
Why: Exposure is a condition presenting a possibility of loss; it may or may not result in an actual loss.
Under M.G.L. c.175 §168, after procuring surplus lines coverage for a Massachusetts home-state insured, the broker must file the required affidavit within:
Why: M.G.L. c.175 §168 requires the special broker to file the diligent-effort affidavit within twenty days after procuring the coverage — therefore twenty days.
Under M.G.L. c.175 §99, an insurer issuing a policy in compliance with the standard form may print on it the words:
Why: M.G.L. c.175 §99 permits a company to print the words 'Massachusetts Standard Policy' upon policies issued in compliance with the section — therefore that designation.
An employer headquartered in one state sends a crew temporarily into another state not listed on the policy. Which Part of the policy is designed to provide coverage in states not listed in Part One?
Why: Part Three (Other States Insurance) extends coverage to operations in states listed in the Part Three item, providing benefits if the insured incurs WC obligations in a state not shown in Part One.
Which statement about strict liability is TRUE?
Why: Strict liability imposes responsibility without requiring proof of negligence, based on the inherently dangerous nature of the activity or product defect.
Which Part of the Workers Compensation and Employers Liability Policy sets out the insured's responsibilities, such as notifying the insurer promptly of an injury and cooperating in the investigation?
Why: Part Four — Your Duties If Injury Occurs lists the insured's obligations, including prompt notice, providing information, and cooperating with the insurer.
A producer was convicted years ago of a felony involving embezzlement (a crime of dishonesty). To continue working in insurance, federal law (18 U.S.C. 1033) requires that the producer:
Why: Under 18 U.S.C. 1033, a person convicted of a felony involving dishonesty cannot work in insurance affecting interstate commerce without written consent from the appropriate insurance regulator.
Dev has UM/UIM limits of $50,000. A negligent driver with only $25,000 in bodily injury coverage seriously injures him, causing $60,000 in damages. Under c.175 §113L, how much may Dev recover from his own UIM coverage?
Why: c.175 §113L allows UIM recovery only to the extent the insured's UM limit ($50,000) exceeds the tortfeasor's BI limit ($25,000) — therefore $25,000.
Under c.90 §34A, which person is NOT eligible for PIP benefits under a Massachusetts auto policy?
Why: PIP excludes any person entitled to payments or benefits under c.152 (workers' compensation); pedestrians, guests, and household members are covered (c.90 §34A) — therefore the on-the-job worker.
Under M.G.L. c.175 §187C, the return premium tendered on a cancellation must be calculated:
Why: M.G.L. c.175 §187C requires the full return premium to be paid or tendered in accordance with the policy terms without any deductions — therefore no deductions may be taken.
Because the standard policy's Part One does not apply in monopolistic fund states (where coverage comes from the state fund), what does the policy still commonly provide for those states via endorsement?
Why: In monopolistic states, the state fund provides statutory benefits but not employers liability; a stop gap (Employers Liability) endorsement fills that gap.
A policy form will be issued to more than 50 policyholders. Under M.G.L. c.175 §2B, it must be on file with the commissioner for at least 30 days unless, before then, the commissioner...?
Why: M.G.L. c.175 §2B bars issuance to more than fifty policyholders until the form has been on file thirty days, unless before then the commissioner approves the form in writing — therefore the first option is correct.
Under M.G.L. c.175 §172, a public insurance adjuster license runs for a term of, and requires for renewal,...?
Why: M.G.L. c.175 §172 provides a 3 year license term and requires certification of 15 hours of continuing education before renewal — therefore the second option is correct.
A rating method that uses an individual risk's actual past loss experience to adjust its premium is:
Why: Experience or merit rating modifies premium based on the insured's own loss history, rewarding favorable experience.
A homeowner is repeatedly declined by admitted carriers and cannot obtain property coverage voluntarily. Under M.G.L. c.175C §4, relief is available through:
Why: M.G.L. c.175C §4 establishes the joint underwriting association (FAIR Plan) to provide basic property insurance to eligible applicants unable to obtain it voluntarily — therefore the FAIR Plan.