Massachusetts property and casualty practice exam
Free property and casualty practice for the Massachusetts producer exam: 367 general questions plus 20 Massachusetts state law questions, each with an explanation.
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Studying for Life and Health? Massachusetts life and health practice exam
Getting your Massachusetts property and casualty license
Massachusetts gives property and casualty as separate Pearson VUE exams, $37 each, taken in person only. Each has 50 general and 30 Massachusetts scored questions, and you need a 70 to pass.
- Exam provider
- Pearson VUE, in person at a test center (no remote testing)
- Pre-licensing education
- Not required. Under M.G.L. c. 175, section 162L, prelicensing coursework is no longer required of individuals seeking licensure as insurance producers.
- Exam fee
- $37 per exam (property, or casualty)
- Exam format
- Each exam has a general section (50 scored + 5 pretest questions) and a Massachusetts section (30 scored + 5 pretest questions)
- Passing score
- 70 on a scaled score
- Retakes
- Reapply and pay a new exam fee after a failed attempt
How to plan your retake
Retake rules by state - Continuing education
- 60 credits, including 3 ethics, for your first renewal. Then 45 credits, including 3 ethics, every 3 years.
Official links
- Massachusetts Division of Insurance - official state insurance department
- Massachusetts DOI, Insurance Examinations and Continuing Education - exam provider information
Licensing facts checked on , against official sources. Fees and rules change, so confirm with the Massachusetts Division of Insurance and your exam's candidate handbook before you register.
Massachusetts state law questions
Every Massachusetts question with its answer, explanation, and the law it comes from.
Licensing and CE
5 questions
1. How many hours of approved instruction must a Massachusetts producer complete before each license renewal after the initial one?
- 24 hours
- 30 hours
- 16 hours
- 45 hours
Show answer
After the initial renewal, the Division of Insurance requires 45 credit hours of approved instruction before each subsequent renewal.
2. Before the initial renewal of a Massachusetts producer license, how many credit hours of approved instruction are required?
- 60 hours
- 45 hours
- 24 hours
- 90 hours
Show answer
New licensees must still complete 60 credit hours of approved instruction before the initial renewal date.
3. Massachusetts producer CE must include which ethics component?
- A one-hour ethics lecture
- A six-hour ethics course
- A three-hour course on ethics
- No ethics course is required
Show answer
The Division requires a three-hour ethics course among the courses taken. 211 CMR 50.04 refers to a Massachusetts Approved Ethics course equal to three classroom hours.
4. Under 211 CMR 50.07, the civil fine for a Massachusetts producer who falls short of the CE requirement is:
- A flat $500 fine
- $1,000 for each missed course
- No fine; only license suspension
- $20 to $100 for each hour of instruction short of the requirement
Show answer
After a hearing, the Division may fine not less than $20 nor more than $100 per hour short, alone or in addition to suspension or non-renewal.
5. Under 211 CMR 50.03, which nonresident producer is exempt from Massachusetts CE?
- Any nonresident who sells fewer than ten policies a year
- One who holds an equivalent license in a resident state with CE requirements and is certified in good standing
- Any nonresident licensed in only one line
- Any nonresident who has been licensed more than five years
Show answer
The exemption applies to nonresidents whose resident state has CE requirements and who are in good standing there.
Auto Insurance
5 questions
1. For Massachusetts policies written or renewing on or after July 1, 2025, the compulsory bodily injury to others limits are:
- $20,000 per person and $40,000 per accident
- $30,000 per person and $60,000 per accident
- $25,000 per person and $50,000 per accident
- $50,000 per person and $100,000 per accident
Show answer
Massachusetts raised its compulsory minimums effective for policies written or renewing on or after July 1, 2025.
2. For Massachusetts policies written or renewing on or after July 1, 2025, the compulsory property damage limit is:
- $30,000 per accident
- $5,000 per accident
- $25,000 per accident
- $50,000 per accident
Show answer
The Division lists damage to someone else's property at $30,000 per accident under the 2025 limits.
3. What is Massachusetts' compulsory personal injury protection (PIP) limit after the July 1, 2025 changes?
- $10,000 per person
- $8,000 per person, unchanged
- $15,000 per person
- $5,000 per person
Show answer
The Division states that PIP remains at $8,000 per person; the other compulsory limits were raised.
4. For policies written or renewing on or after July 1, 2025, Massachusetts' compulsory limit for bodily injury caused by an uninsured auto is:
- $20,000 per person and $40,000 per accident
- $15,000 per person and $30,000 per accident
- $100,000 per person and $300,000 per accident
- $25,000 per person and $50,000 per accident
Show answer
The uninsured motorist bodily injury limit now matches the bodily injury to others limit.
5. The Massachusetts Safe Driver Insurance Plan (SDIP) allows an insurance company to:
- Cancel any policy after one claim
- Set the compulsory minimum limits
- Adjust the auto premium based on the driver's record of accidents and violations
- Assign drivers to the assigned risk pool
Show answer
The Division says the SDIP may be used to adjust premium based on driving record; 211 CMR 134 lists the point-earning accidents and offenses.
Cancellation and Nonrenewal
4 questions
1. Under 211 CMR 97.04, a Massachusetts insurer must give notice of a motor vehicle cancellation at least how many days before the effective date?
- 20 days
- 10 days
- 30 days
- 45 days
Show answer
The notice must be sent at least 20 days before the proposed effective date of cancellation.
2. Under 211 CMR 97.06, a Massachusetts insurer must give written notice of nonrenewal of a motor vehicle policy how many days before expiration?
- 20 days
- 30 days
- 45 days
- 60 days
Show answer
The rule requires 45 days' written notice, with notice to the Registrar at least 45 days before expiration as well.
3. During the policy period, which is a permitted reason for a Massachusetts insurer to cancel a motor vehicle policy under 211 CMR 97.03?
- The insured filed a comprehensive claim
- The insured turned 70
- The insured moved within Massachusetts
- Non-payment of premium
Show answer
Permitted mid-term reasons include non-payment, fraud or material misrepresentation, and suspension or revocation of a driver's license or registration.
4. The Massachusetts cancellation notice language tells the policyholder that a complaint may be filed with the Commissioner:
- Within 90 days after the cancellation date
- Before the effective date of cancellation shown in the notice
- Only after the policy has been cancelled
- Within one year of the notice
Show answer
211 CMR 97 requires the notice to say the complaint may be filed before the effective date of cancellation.
Residual Markets
4 questions
1. The Massachusetts Automobile Insurance Plan (MAIP) is intended for:
- Drivers who cannot find a company in the voluntary market
- Drivers with perfect records only
- Commercial fleets only
- Drivers seeking higher limits than the compulsory minimums
Show answer
The Division describes the MAIP, or assigned risk pool, as a way to get auto insurance when no voluntary company will write the driver.
2. The Massachusetts Property Insurance Underwriting Association (MPIUA) is also known as:
- The Safe Driver Insurance Plan
- The FAIR Plan, operating as a joint underwriting association
- The assigned risk auto plan
- The Massachusetts guaranty fund
Show answer
The MPIUA is a joint underwriting association that provides property coverage of last resort and is not a state agency.
3. To apply to the MPIUA, a Massachusetts applicant must certify that:
- They have been denied three times in writing
- They have no mortgage
- They own a commercial building
- They made a reasonable effort to get insurance elsewhere and were unable to
Show answer
Eligible residential applicants must certify a reasonable effort to obtain coverage elsewhere, and the property cannot be vacant or condemned.
4. Which peril does the basic MPIUA FAIR Plan coverage NOT include?
- Flooding
- Fire and smoke
- Windstorm or hail
- Vandalism
Show answer
The MPIUA page states that flooding is not covered. Policies in certain Special Flood Hazard Areas must carry a separate flood policy.
Workers Compensation
2 questions
1. When a Massachusetts employer without workers compensation insurance receives a stop work order, minimum fines are:
- $10 per day
- $1,000 per week
- $100 per day, including weekends and holidays
- $50 per day on business days only
Show answer
Minimum fines are $100 per day from the date the stop work order is issued. They rise to $250 per day if the employer appeals.
2. In Massachusetts, which employers must carry workers compensation insurance?
- Only employers with five or more employees
- Only employers with more than $100,000 in payroll
- Only construction employers
- All employers, regardless of the number of hours worked or employees
Show answer
The DIA states all employers operating in Massachusetts must carry coverage for their employees. Domestic workers count only if they work at least 16 hours a week.
Key Massachusetts terms
23 plain-English cards on Massachusetts insurance law, from the Massachusetts flashcard deck.
Licensing and CE
- Massachusetts first-renewal instruction
- 60 credit hours of approved instruction are required before the initial license renewal.
- Massachusetts later-renewal instruction
- 45 hours of approved instruction before each renewal after the initial one.
- Massachusetts CE ethics component
- Producer CE must include a three-hour course on ethics.
- Massachusetts CE shortfall fine
- Under 211 CMR 50.07, $20 to $100 for each hour of instruction short of the requirement.
- Massachusetts nonresident CE exemption
- A nonresident with an equivalent license in a resident state with CE rules, certified in good standing, is exempt.
- Massachusetts P&C prelicensing
- Not required. M.G.L. c. 175, section 162L ended prelicensing coursework for individuals seeking producer licenses.
- Massachusetts P&C exam format
- Each exam has a general section (50 scored + 5 pretest) and a Massachusetts section (30 scored + 5 pretest).
- Massachusetts P&C exam fee and score
- $37 per exam (property or casualty), with a passing score of 70 scaled.
Auto Insurance
- Massachusetts compulsory bodily injury limits
- $25,000 per person and $50,000 per accident for policies written or renewing on or after July 1, 2025.
- Massachusetts compulsory property damage limit
- $30,000 per accident for policies written or renewing on or after July 1, 2025.
- Massachusetts compulsory PIP limit
- $8,000 per person, unchanged after the July 1, 2025 changes.
- Massachusetts compulsory uninsured auto limit
- Bodily injury caused by an uninsured auto: $25,000 per person and $50,000 per accident from July 1, 2025.
- Massachusetts Safe Driver Insurance Plan
- Lets an insurer adjust the auto premium based on the driver's record of accidents and violations.
Cancellation and Nonrenewal
- Massachusetts motor vehicle cancellation notice
- Notice of cancellation must be given at least 20 days before the effective date.
- Massachusetts motor vehicle nonrenewal notice
- Written notice of nonrenewal is due 45 days before expiration.
- Massachusetts mid-term cancellation reason
- During the policy period, nonpayment of premium is a permitted reason to cancel a motor vehicle policy.
- Massachusetts cancellation complaint window
- The notice tells the policyholder a complaint may be filed with the Commissioner before the cancellation effective date.
Residual Markets
- Massachusetts Automobile Insurance Plan
- For drivers who cannot find a company in the voluntary market.
- Massachusetts Property Insurance Underwriting Association
- The Massachusetts FAIR Plan, operating as a joint underwriting association.
- MPIUA application certification
- An applicant must certify a reasonable effort to get insurance elsewhere that was unsuccessful.
- MPIUA flood exclusion
- Basic MPIUA FAIR Plan coverage does not include flooding.
Workers Compensation
- Massachusetts stop work order fine
- An employer without workers comp that gets a stop work order faces minimum fines of $100 per day, including weekends and holidays.
- Massachusetts workers comp requirement
- All employers must carry it, regardless of the number of hours worked or employees.
Keep studying
The general topics make up most of the exam.
Massachusetts exam questions
Can I take the Massachusetts insurance exam online?
No. Exams must be taken in person at a Pearson VUE test center. Remote testing is not available.Source: Massachusetts DOI, Insurance Examinations and Continuing Education
How many questions are on the Massachusetts property exam?
50 scored general questions and 30 scored Massachusetts questions, plus 10 pretest questions. The casualty exam has the same format.Source: Pearson VUE, Massachusetts Division of Insurance Candidate Handbook (Jun 2026)
How much continuing education does Massachusetts require?
60 credits including 3 in ethics for your first renewal, then 45 credits including 3 in ethics every three years.Source: Massachusetts DOI, Insurance Examinations and Continuing Education
How much of the Massachusetts property and casualty exam is state law?
State law is usually around 20 to 30 percent of a state's producer exam. Check the Massachusetts candidate handbook from your testing provider for the exact content outline.
What does the Massachusetts 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, Cancellation and Nonrenewal, 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 Massachusetts state law questions.