Delaware property and casualty practice exam
Free property and casualty practice for the Delaware producer exam: 367 general questions plus 14 Delaware state law questions, each with an explanation.
Licensing facts checked on
Loading practice test... If it does not open, reload this page.
Studying for Life and Health? Delaware life and health practice exam
Getting your Delaware property and casualty license
Delaware's insurance exams are given by Pearson VUE for $90. No pre-licensing education is required, and if you fail one part you retake only that part.
- Exam provider
- Pearson VUE
- Exam fee
- $90
- Pre-licensing education
- Not required
- Retakes
- Wait 24 hours. Retake only the part you failed, but pass both parts within one year or retake the whole exam.
How to plan your retake
Retake rules by state - License renewal
- Every 2 years, by February 28 of even-numbered years
- Continuing education
- 24 credit hours each 2-year period, including 3 in ethics
Official links
- Delaware Department of Insurance - official state insurance department
- Delaware Department of Insurance, Producer License Laws FAQ - exam provider information
Licensing facts checked on , against official sources. Fees and rules change, so confirm with the Delaware Department of Insurance and your exam's candidate handbook before you register.
Delaware state law questions
Every Delaware question with its answer, explanation, and the law it comes from.
Auto Insurance
1 question
1. What minimum liability limits does Delaware require for a registered motor vehicle under 21 Del. C. 2118?
- $25,000 per person, $50,000 per accident, $10,000 property damage
- $15,000 per person, $30,000 per accident, $5,000 property damage
- $25,000 per person, $50,000 per accident, $25,000 property damage
- $30,000 per person, $60,000 per accident, $10,000 property damage
Show answer
The Insurance Department bulletin lists liability coverage of 25/50/10 as required under 21 Del. C. 2118(a)(1).
No-Fault Auto
1 question
1. What are the minimum Personal Injury Protection limits that Delaware requires on a motor vehicle policy?
- $10,000 per person and $20,000 per accident
- $15,000 per person and $30,000 per accident
- $25,000 per person and $50,000 per accident
- $5,000 per person and $10,000 per accident
Show answer
21 Del. C. 2118(a)(2) requires PIP of $15,000 for any one person and $30,000 for all persons injured in any one accident.
Coverage Mandates
1 question
1. What minimum limits apply to uninsured and underinsured motorist coverage under 18 Del. C. 3902, according to the Delaware Insurance Department?
- $15,000 per person, $30,000 per accident, $5,000 property damage
- $30,000 per person, $60,000 per accident, $25,000 property damage
- $25,000 per person, $50,000 per accident, $10,000 property damage
- $50,000 per person, $100,000 per accident, $50,000 property damage
Show answer
The bulletin lists UM and UIM coverage at 25/50/10 under 18 Del. C. 3902.
Residual Markets
2 questions
1. Which Delaware plan provides auto coverage for people who cannot obtain it in the voluntary market?
- Delaware Automobile Insurance Plan
- Delaware Guaranty Association
- Delaware Industrial Accident Board
- Delaware Surplus Lines Pool
Show answer
The Delaware Automobile Insurance Plan covers people who cannot obtain insurance elsewhere, and applicants apply through an insurance producer.
2. In Delaware, which entity serves homeowners and commercial property applicants who cannot obtain or were declined coverage elsewhere?
- Delaware Automobile Insurance Plan
- Delaware Workers' Compensation Pool
- Insurance Placement Facility of Delaware (Delaware FAIR Plan)
- Delaware Insurance Guaranty Association
Show answer
The Department directs such applicants to the Insurance Placement Facility of Delaware, the Delaware FAIR Plan.
Guaranty Association
3 questions
1. What is the per-claimant cap on most covered claims paid by the Delaware Insurance Guaranty Association?
- $100,000
- $500,000
- $300,000
- $1,000,000
Show answer
18 Del. C. 4208(a)(1) limits payment to $500,000 per claimant for covered claims other than workers compensation and unearned premium.
2. How much unearned premium does the Delaware Insurance Guaranty Association pay per policy for a covered claim?
- $1,000
- $5,000
- $10,000
- $25,000
Show answer
18 Del. C. 4208(a)(1) caps the return of unearned premium at $10,000 per policy.
3. How does 18 Del. C. 4208 treat workers compensation covered claims paid by the Delaware Insurance Guaranty Association?
- They are paid in full, with no stated dollar cap
- They are capped at $100,000
- They are capped at $500,000
- They are not covered at all
Show answer
Section 4208(a)(1) pays workers compensation claims in the full amount without the per-claimant dollar cap.
Workers Compensation
4 questions
1. According to the Delaware Office of Workers' Compensation, which employers must maintain workers compensation coverage?
- Employers with one or more employees
- Only employers with at least 5 employees
- Only employers with at least 10 employees
- Only employers with payroll above $100,000
Show answer
The Office states that employers with one or more employees must maintain coverage through a licensed insurer or an approved self-insurance program.
2. Within how many days of being notified must a Delaware employer file the First Report of Occupational Injury or Disease?
- 3 days
- 5 days
- 30 days
- 10 days
Show answer
The Office of Workers' Compensation states the employer files the First Report within 10 days of being notified of the injury or disease.
3. After a denied claim, how long does a Delaware employee have to petition the Industrial Accident Board for an accident injury?
- 30 days from the denial
- Two years from the date of the accident
- Six months from the accident
- Five years from the accident
Show answer
The Office states that the petition must be filed within two years of the accident date, and within one year of diagnosis for occupational disease.
4. Under 19 Del. C. 2374(d)(1), what civil penalty applies to a previously insured Delaware employer found uninsured for workers compensation?
- A flat fine of $500
- Equal to one month's payroll
- Three times the premium for the insurance not purchased
- Twice the average claim cost
Show answer
The penalty is an amount equal to the premium for the insurance not purchased multiplied by 3, for a one-year period.
Claims Practices
2 questions
1. Under 18 Del. C. 2304(26), within how many calendar days must an insurer give a preliminary response to a Delaware Insurance Department inquiry?
- 7 calendar days
- 14 calendar days
- 45 calendar days
- 21 calendar days
Show answer
Section 2304(26) makes failure to respond to regulatory inquiries an unfair practice, with preliminary responses due within 21 calendar days.
2. Under 18 Del. C. 2308(a)(1), what is the base civil penalty for an unfair trade practice violation, and its aggregate cap?
- Up to $1,000 per act, up to $100,000 in aggregate
- Up to $500 per act, up to $5,000 in aggregate
- Up to $2,500 per act, up to $25,000 in aggregate
- Up to $5,000 per act, up to $500,000 in aggregate
Show answer
Penalties run up to $1,000 per act and $100,000 aggregate, rising to $10,000 per act when the violator knew or should have known.
Key Delaware terms
18 plain-English cards on Delaware insurance law, from the Delaware flashcard deck.
Auto Insurance
- Delaware minimum auto liability limits
- Required limits are $25,000 bodily injury per person, $50,000 per accident and $10,000 property damage.
- Delaware combined single liability limit
- The financial responsibility definition sets the combined single liability limit at $60,000.
No-Fault Auto
- Delaware minimum personal injury protection
- Required PIP limits are $15,000 per person and $30,000 for all people injured in one accident.
Coverage Mandates
- Delaware written uninsured coverage rejection
- A named insured may reject uninsured vehicle coverage in writing on the insurer's form describing the rejected coverage.
- Delaware additional UM and UIM offer limits
- Offer bodily injury UM/UIM up to $100,000/$300,000 or a $300,000 single limit, capped by the policy's bodily injury liability limits.
Residual Markets
- Delaware Automobile Insurance Plan access
- Applicants unable to obtain voluntary auto coverage apply through a producer for private passenger or commercial coverage.
- Delaware FAIR Plan property market
- The Insurance Placement Facility of Delaware serves applicants unable to obtain homeowners or commercial property insurance.
Guaranty Association
- Delaware ordinary P&C guaranty limit
- Other covered claims are capped at $500,000 per claimant and cannot exceed the insolvent insurer's policy obligation.
- Delaware guaranty unearned premium limit
- Covered return-of-unearned-premium claims are capped at $10,000 per policy.
- Delaware guaranty workers compensation benefits
- The association pays the full amount of a covered claim for workers compensation benefits.
Workers Compensation
- Delaware workers compensation employee threshold
- Employers with one or more employees must maintain coverage, subject to exemptions such as certain agricultural workers.
- Delaware employer injury report deadline
- The employer must file the First Report of Occupational Injury or Disease within 10 days after notification.
- Delaware injured worker provider selection
- An injured worker may choose any certified provider authorized by the Delaware Office of Workers Compensation.
- Delaware compensation petition filing periods
- The OWC states two years from the accident, or one year from occupational disease diagnosis, to file a compensation petition.
- Delaware workers compensation deductible option
- Insurers must offer a medical and death benefits deductible of $500 to $5,000 in $500 steps; employers may accept or reject it.
- Delaware out-of-state employer coverage duty
- An employer based elsewhere must carry full Delaware workers compensation coverage for employees doing substantial work in the state.
Cancellation and Nonrenewal
- Delaware protected auto cancellation notice
- For policies subject to 3904(a), give 30 days' notice with reasons, shortened to 15 days for nonpayment.
- Delaware ordinary auto nonrenewal notice
- For policies under 3905(b), generally give 30 days with reasons; nonpayment or willingness to renew are exceptions.
Keep studying
The general topics make up most of the exam.
Delaware exam questions
Do I need a pre-licensing course for property and casualty in Delaware?
No. Delaware does not require pre-licensing education for a resident or non-resident producer license.Source: Delaware Department of Insurance, Producer License Laws FAQ
If I fail part of the Delaware exam, what do I retake?
Only the part you failed, within one year of passing the first part. Otherwise you retake the whole exam.Source: Pearson VUE, Delaware Insurance Candidate Handbook (Jun 2025)
How much does the Delaware insurance exam cost?
$90.Source: Pearson VUE, Delaware Insurance Candidate Handbook (Jun 2025)
How much of the Delaware property and casualty exam is state law?
State law is usually around 20 to 30 percent of a state's producer exam. Check the Delaware candidate handbook from your testing provider for the exact content outline.
What does the Delaware state law section cover?
Common areas include licensing and continuing education, auto liability minimums, cancellation and nonrenewal notice rules, and the guaranty fund. This page covers: Auto Insurance, No-Fault Auto, Coverage Mandates, Residual Markets, Guaranty Association, Workers Compensation, Claims Practices.
Where do these state questions come from?
Each state question is written from the state's statutes, regulations, or insurance department guidance, and the source is linked under the answer so you can read it yourself.
Do I still need the general questions?
Yes. Most of the exam is general property and casualty knowledge. The full exam option here mixes 367 general questions with the Delaware state law questions.