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Louisiana property and casualty practice exam

Free property and casualty practice for the Louisiana producer exam: 367 general questions plus 15 Louisiana state law questions, each with an explanation.

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Getting your Louisiana property and casualty license

Louisiana's combined property and casualty exam costs $58 through PSI at a test center, with no pre-licensing requirement. Continuing education includes 3 hours on flood.

Exam provider
PSI, at test centers only (no remote testing)
Exam fee
Property or casualty alone: $36. Combined property and casualty: $58.
Exam length
Property and casualty (Series 106): 150 questions, 160 minutes.
Passing score
70 percent correct.
Pre-licensing education
Not required
Retakes
No limit on attempts within one year. You cannot book a new exam on the same day.
How to plan your retake
Retake rules by state
Fingerprints
Required for property, casualty and personal lines producer licenses
Continuing education
24 hours, including 3 hours of ethics and 3 hours of flood. Starting with July 2027 renewals, 2 hours of legislative updates are also required.

Official links

Licensing facts checked on , against official sources. Fees and rules change, so confirm with the Louisiana Department of Insurance and your exam's candidate handbook before you register.

Sources

Louisiana state law questions

Every Louisiana question with its answer, explanation, and the law it comes from.

State laws change. Always confirm details with the Louisiana insurance department and your exam's content outline.

Licensing and CE

3 questions

1. How many continuing education hours must a Louisiana resident property and casualty producer complete, and how many of them must be ethics?

  1. 30 hours, including 3 hours of ethics
  2. 24 hours, with no ethics requirement
  3. 24 hours, including 3 hours of ethics
  4. 20 hours, including 2 hours of ethics
Show answer
C. 24 hours, including 3 hours of ethics
The Louisiana Department of Insurance requires 24 hours of CE, with 3 of those hours in ethics.
Source: LDI, Continuing Education Requirements

2. A Louisiana property, casualty, or personal lines producer must complete how many flood-related hours as part of the required CE?

  1. 3 hours
  2. 1 hour
  3. 6 hours
  4. No flood hours are required
Show answer
A. 3 hours
Flood training of 3 hours is part of the 24-hour total for property, casualty, and personal lines producers.
Source: LDI, Continuing Education Requirements

3. How many excess general CE hours may a Louisiana producer carry over to the next renewal period?

  1. Up to 24 hours
  2. Up to 3 hours
  3. No hours may be carried over
  4. Up to 10 hours
Show answer
D. Up to 10 hours
Up to 10 excess general hours carry over. Excess flood, ethics, or legislative update hours carry over only as general credit.
Source: LDI, Continuing Education Requirements

Auto Insurance

3 questions

1. What are the minimum compulsory liability limits in Louisiana for an owner's motor vehicle liability policy?

  1. $10,000 per person, $20,000 per accident, and $10,000 property damage
  2. $15,000 per person, $30,000 per accident, and $25,000 property damage
  3. $25,000 per person, $50,000 per accident, and $25,000 property damage
  4. $15,000 per person, $30,000 per accident, and $10,000 property damage
Show answer
B. $15,000 per person, $30,000 per accident, and $25,000 property damage
La. R.S. 32:900(B)(2) sets limits of 15/30/25 for bodily injury to one person, bodily injury to two or more persons, and property damage per accident.
Source: La. R.S. 32:900 (motor vehicle liability policy defined)

2. Under La. R.S. 32:900, once injury or damage covered by a motor vehicle liability policy occurs, the insurer's liability is:

  1. Void if the insured breaches a policy condition after the loss
  2. Suspended until the injured party obtains a judgment
  3. Absolute, and the insured's later statements or violations cannot void it
  4. Limited to the premiums the insured has paid
Show answer
C. Absolute, and the insured's later statements or violations cannot void it
R.S. 32:900(F)(1) makes the insurer's liability absolute when the covered loss occurs. Subsection (F)(2) adds that satisfying a judgment is not a precondition to the insurer's duty to pay.
Source: La. R.S. 32:900 (motor vehicle liability policy defined)

3. Under La. R.S. 32:863.1, a vehicle's plate is seized when the owner cannot show liability insurance. If the owner shows proof within how many calendar days (excluding weekends and holidays) is the plate returned at no cost?

  1. 14 calendar days
  2. 30 calendar days
  3. 3 calendar days
  4. 60 calendar days
Show answer
C. 3 calendar days
Proof within three calendar days brings the plate back within 48 hours at no cost. With no proof within 60 days, the plate is destroyed and the registration is revoked.
Source: La. R.S. 32:863.1 (proof of compulsory liability security)

Claims Practices

2 questions

1. Under La. R.S. 22:1892, within how many days after receiving satisfactory proofs of loss must an insurer pay the amount of any claim due an insured?

  1. 30 days
  2. 10 days
  3. 45 days
  4. 90 days
Show answer
A. 30 days
R.S. 22:1892(A)(1) requires payment within thirty days after receipt of satisfactory proofs of loss.
Source: La. R.S. 22:1892 (payment and adjustment of claims)

2. If an insurer's failure to pay within 30 days is found arbitrary, capricious, or without probable cause, R.S. 22:1892 adds a penalty of what percentage of the amount found due?

  1. Ten percent
  2. Fifty percent
  3. Twenty-five percent
  4. One hundred percent
Show answer
B. Fifty percent
The penalty is fifty percent damages on the amount found due (or the statutory minimum, if greater), plus reasonable attorney fees and costs.
Source: La. R.S. 22:1892 (payment and adjustment of claims)

Cancellation and Nonrenewal

2 questions

1. Under La. R.S. 22:887 as amended effective July 1, 2026, an insurer must mail or deliver notice of intent not to renew a property or casualty policy at least how many days before nonrenewal?

  1. 10 days
  2. 30 days
  3. 45 days
  4. 60 days
Show answer
D. 60 days
Acts 2025, No. 182 raised the nonrenewal notice from 30 to 60 days effective July 1, 2026, and requires the notice to state the cause.
Source: La. R.S. 22:887 (cancellation by insurer; homeowner's policies)

2. Under La. R.S. 22:887, a homeowner's policy cancelled for nonpayment of premium may be cancelled effective no sooner than how many days after the notice?

  1. 10 days
  2. 30 days
  3. 60 days
  4. 90 days
Show answer
A. 10 days
R.S. 22:887(A)(5) allows cancellation for unpaid premium on written notice with an effective date not less than ten days after the notice.
Source: La. R.S. 22:887 (cancellation by insurer; homeowner's policies)

Guaranty Association

1 question

1. For most covered claims, the Louisiana Insurance Guaranty Association's obligation under R.S. 22:2058 is limited to less than what amount per claim?

  1. $25,000
  2. $100,000
  3. $500,000
  4. $1,000,000
Show answer
C. $500,000
R.S. 22:2058 limits LIGA to less than $500,000 per claim, and to $500,000 per accident or occurrence for other covered claims.
Source: La. R.S. 22:2058 (LIGA powers and duties)

Residual Markets

1 question

1. Louisiana Citizens Property Insurance Corporation coverage is limited to applicants who are:

  1. Any property owner who prefers its rates
  2. Only owners of commercial buildings
  3. Only applicants whose prior insurer became insolvent
  4. In good faith entitled to coverage but unable to obtain it in the voluntary market
Show answer
D. In good faith entitled to coverage but unable to obtain it in the voluntary market
R.S. 22:2291 creates Citizens as a residual market mechanism for applicants unable to procure insurance voluntarily, with a goal of depopulating the plans.
Source: La. R.S. 22:2291 (Louisiana Citizens Property Insurance Corporation)

Workers Compensation

3 questions

1. Under La. R.S. 23:1221, temporary total disability benefits are paid at what percentage of wages?

  1. Fifty percent
  2. Sixty-six and two-thirds percent
  3. Seventy-five percent
  4. One hundred percent
Show answer
B. Sixty-six and two-thirds percent
R.S. 23:1221(1)(a) pays temporary total disability at 66 2/3 percent of wages during the period of disability.
Source: La. R.S. 23:1221 (compensation for injury producing disability)

2. What is the maximum number of weeks that supplemental earnings benefits may be paid under La. R.S. 23:1221?

  1. 520 weeks
  2. 104 weeks
  3. 260 weeks
  4. 1,040 weeks
Show answer
A. 520 weeks
R.S. 23:1221(3)(d) caps supplemental earnings benefits at five hundred twenty weeks, and each week paid reduces the maximum.
Source: La. R.S. 23:1221 (compensation for injury producing disability)

3. Under La. R.S. 23:1021, the wages of a full-time hourly employee use the greater of 40 hours or the average actual hours over how many full weeks before the accident?

  1. Two full weeks
  2. Eight full weeks
  3. Twenty-six weeks
  4. Four full weeks
Show answer
D. Four full weeks
R.S. 23:1021(13) uses the four full weeks before the accident for hourly workers. The 26-week look-back applies to unit, piecework, and commission pay.
Source: La. R.S. 23:1021 (workers compensation definitions)

Key Louisiana terms

15 plain-English cards on Louisiana insurance law, from the Louisiana flashcard deck.

Licensing and CE

Louisiana resident producer CE total
The major-line producer requirement is 24 hours, including three hours of ethics.
Louisiana property and casualty flood CE
Property, casualty and personal-lines producers must include three flood hours within their 24-hour requirement.
Louisiana excess CE carryover
Up to 10 excess general hours carry forward; excess specialty-topic hours count only as general credit.

Auto Insurance

Louisiana minimum auto liability limits
Required limits are $15,000 per injured person, $30,000 per accident and $25,000 property damage.

Claims Practices

Louisiana ordinary insured claim payment deadline
For claims governed by section 22:1892(A)(1), payment is due within 30 days after satisfactory proof of loss.
Louisiana noncatastrophic loss adjustment timing
For covered property damage and medical expense claims, begin adjustment within 14 days after loss notice, absent catastrophe.

Cancellation and Nonrenewal

Louisiana ordinary P&C nonrenewal notice
Under section 22:887(G), applicable nonrenewals need 60 days' notice stating the cause, effective July 1, 2026.
Louisiana nonpayment cancellation notice
Section 22:887(A)(5) permits unpaid-premium cancellation with written notice effective no sooner than 10 days later.

Guaranty Association

Louisiana ordinary guaranty claim limits
Other covered claims are below $500,000 per claim, with a $101 minimum and $500,000 accident or occurrence maximum.
Louisiana guaranty workers compensation benefits
LIGA pays the full covered benefits owed directly to or for the injured worker and specified providers.
Louisiana guaranty unearned premium limit
A covered return-premium claim may be paid up to $10,000 per policy.

Residual Markets

Louisiana Citizens statutory purpose
The statutory program assures a property insurance market, including coastal areas, for specified fire and homeowners risks.

Workers Compensation

Louisiana temporary total disability rate
The statutory wage replacement rate is 66 2/3 percent during qualifying temporary total disability, subject to applicable limits.
Louisiana supplemental earnings duration ceiling
Supplemental earnings benefits cannot exceed 520 weeks and may end earlier under statutory termination rules.
Louisiana hourly-worker wage lookback
The hourly wage formulas use the four full weeks before the accident, with different rules for full-time and part-time workers.

Study the Louisiana deck

Keep studying

The general topics make up most of the exam.

Insurance BasicsPropertyContract LawPropertyProperty Policy StructurePropertyDwelling PoliciesPropertyHomeowners PoliciesPropertyHomeowners EndorsementsPropertyFlood InsurancePropertyEarthquake InsurancePropertyCommercial PropertyPropertyCauses of LossPropertyBusiness IncomePropertyInland MarinePropertyOcean MarinePropertyFarm CoveragePropertyEquipment BreakdownPropertyLiability BasicsCasualtyPersonal Auto PolicyCasualtyAuto Physical DamageCasualtyUninsured MotoristsCasualtyCommercial General LiabilityCasualtyCGL ExclusionsCasualtyClaims-Made CoverageCasualtyCommercial AutoCasualtyUmbrella and ExcessCasualtyWorkers CompensationCasualtyCommercial CrimeCasualtySurety and Fidelity BondsCasualtyProfessional LiabilityCasualtyBusinessowners PolicyCasualty

Louisiana exam questions

How much does the Louisiana property and casualty exam cost?

$58 for the combined exam, or $36 for property or casualty alone.Source: PSI, Louisiana Department of Insurance Candidate Information Bulletin (Jan 2025)

Can I take the Louisiana insurance exam online?

No. Since July 8, 2024, exams are given only at PSI testing locations.Source: PSI, Louisiana Department of Insurance Candidate Information Bulletin (Jan 2025)

What continuing education do Louisiana property and casualty producers need?

24 hours, including 3 hours of ethics and 3 hours of flood. From July 2027 renewals, 2 of the hours must be legislative updates in insurance law.Source: Louisiana Department of Insurance, Continuing Education Requirements

How much of the Louisiana property and casualty exam is state law?

State law is usually around 20 to 30 percent of a state's producer exam. Check the Louisiana candidate handbook from your testing provider for the exact content outline.

What does the Louisiana 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: Licensing and CE, Auto Insurance, Claims Practices, Cancellation and Nonrenewal, Guaranty Association, Residual Markets, Workers Compensation.

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 Louisiana state law questions.