Home / States / Nebraska

Nebraska property and casualty practice exam

Free property and casualty practice for the Nebraska producer exam: 367 general questions plus 15 Nebraska 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? Nebraska life and health practice exam

Getting your Nebraska property and casualty license

Nebraska's combined property and casualty exam has 150 questions and costs $47 through PSI. Since March 2026 the exam is given only at test centers, not online.

Exam provider
PSI
Exam fee
Single line: $43. Combined property and casualty: $47.
Passing score
70 percent: 70 of 100 questions on a single-line exam, or 105 of 150 on the combined exam
Where you test
At a test center only. The Department stopped remote testing in March 2026.
Retakes
No limit on attempts, but you cannot book a new exam on the same day you test
How to plan your retake
Retake rules by state
After you pass
Submit your application and fees within one year
Continuing education
24 hours every 2 years: 21 approved hours plus 3 hours of ethics

Official links

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

Sources

Nebraska state law questions

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

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

Licensing and CE

2 questions

1. How many hours of continuing education must a Nebraska resident property and casualty producer complete in each two-year renewal period?

  1. 20 hours, including 2 hours of ethics
  2. 30 hours, including 3 hours of ethics
  3. 24 hours, including 3 hours of ethics
  4. 24 hours, with no ethics hours required
Show answer
C. 24 hours, including 3 hours of ethics
The Nebraska Department of Insurance lists 21 general hours plus 3 ethics hours, for 24 total per two-year period.
Source: Nebraska DOI, Education for Licensees

2. What is the minimum number of ethics hours a Nebraska licensee must complete to renew an insurance producer license?

  1. 1 hour
  2. 3 hours
  3. 2 hours
  4. 6 hours
Show answer
B. 3 hours
The Department states that every licensee must complete a minimum of 3 hours of ethics in order to renew.
Source: Nebraska DOI, Education for Licensees

Auto Insurance

2 questions

1. Under Nebraska's motor vehicle liability statute, what is the minimum bodily injury liability limit for one person in any one accident?

  1. $10,000
  2. $15,000
  3. $20,000
  4. $25,000
Show answer
D. $25,000
Neb. Rev. Stat. 60-310 sets minimums of $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage.
Source: Neb. Rev. Stat. 60-310

2. Under Neb. Rev. Stat. 60-310, what is the minimum property damage liability limit for any one accident?

  1. $25,000
  2. $10,000
  3. $15,000
  4. $50,000
Show answer
A. $25,000
Nebraska requires at least $25,000 for injury to or destruction of property in any one accident.
Source: Neb. Rev. Stat. 60-310

Cancellation and Nonrenewal

5 questions

1. When a Nebraska insurer cancels an automobile liability policy for nonpayment of premium, how many days' notice must it give?

  1. At least 10 days
  2. At least 5 days
  3. At least 20 days
  4. At least 30 days
Show answer
A. At least 10 days
Neb. Rev. Stat. 44-516 requires at least 10 days' notice, with the reason, when cancellation is for nonpayment. The general requirement is 30 days.
Source: Neb. Rev. Stat. 44-516

2. Except for nonpayment of premium, how far ahead of the effective date must a Nebraska insurer send notice of cancellation of an automobile liability policy?

  1. At least 10 days
  2. At least 20 days
  3. At least 60 days
  4. At least 30 days
Show answer
D. At least 30 days
Neb. Rev. Stat. 44-516 requires notice by registered, certified, or tracked mail at least thirty days before cancellation takes effect.
Source: Neb. Rev. Stat. 44-516

3. How much advance notice must a Nebraska insurer give before refusing to renew an automobile liability policy, other than for nonpayment of premium?

  1. At least 10 days
  2. At least 30 days
  3. At least 20 days
  4. At least 45 days
Show answer
C. At least 20 days
Neb. Rev. Stat. 44-517 requires the insurer to mail or deliver at least twenty days' advance notice of its intention not to renew.
Source: Neb. Rev. Stat. 44-517

4. Nebraska's limits on the reasons an insurer may cancel an automobile liability policy do not apply to a policy in effect less than how long, unless it is a renewal?

  1. 60 days
  2. 30 days
  3. 90 days
  4. 120 days
Show answer
A. 60 days
Neb. Rev. Stat. 44-515 restricts cancellation grounds only for policies in effect sixty days or more, or any renewal policy.
Source: Neb. Rev. Stat. 44-515

5. For covered property, marine, and liability policies in Nebraska, how much written notice must the insurer generally give before cancellation or nonrenewal?

  1. 30 days
  2. 45 days
  3. 60 days
  4. 90 days
Show answer
C. 60 days
Neb. Rev. Stat. 44-522 requires sixty days' written notice stating the reason, except for nonpayment of premium and policies with a term of sixty days or less. Auto and workers compensation coverage are excluded.
Source: Neb. Rev. Stat. 44-522

Guaranty Association

2 questions

1. What is the most the Nebraska Property and Liability Insurance Guaranty Association (NPLIGA) pays on a covered claim, other than workers compensation?

  1. $100,000, or the policy limit if less
  2. $300,000, or the policy limit if less
  3. $250,000, or the policy limit if less
  4. $500,000, or the policy limit if less
Show answer
B. $300,000, or the policy limit if less
NPLIGA pays more than $100 and up to $300,000 or the policy limit, whichever is less. Workers compensation claims are paid as the law requires.
Source: Nebraska DOI, Guaranty Fund Q&A (NPLIGA)

2. NPLIGA covers a claim for unearned premium only when the amount is more than $100 and less than what amount per policy?

  1. $1,000
  2. $5,000
  3. $25,000
  4. $10,000
Show answer
D. $10,000
The Department of Insurance says unearned premium claims are covered in excess of $100 and less than $10,000 per policy.
Source: Nebraska DOI, Guaranty Fund Q&A (NPLIGA)

Workers Compensation

2 questions

1. Under the Nebraska Workers' Compensation Act, compensation is not allowed for the first how many calendar days of disability, unless the disability continues long enough?

  1. 3 calendar days
  2. 7 calendar days
  3. 5 calendar days
  4. 14 calendar days
Show answer
B. 7 calendar days
Neb. Rev. Stat. 48-119 allows no compensation for the first seven calendar days. If disability lasts six weeks or longer, compensation is computed from the date disability began.
Source: Neb. Rev. Stat. 48-119

2. In Nebraska, what percentage of wages received at the time of injury is paid as compensation for total disability?

  1. 50 percent
  2. 60 percent
  3. 75 percent
  4. 66 and two-thirds percent
Show answer
D. 66 and two-thirds percent
Neb. Rev. Stat. 48-121 sets total disability compensation at 66 2/3 percent of wages at injury, subject to the statutory weekly maximum.
Source: Neb. Rev. Stat. 48-121

Residual Markets

1 question

1. The Nebraska Assigned Risk plan overseen by the Department of Insurance, known as the WCIP, provides which kind of coverage?

  1. Homeowners fire coverage
  2. Commercial automobile liability
  3. Workers compensation
  4. Professional liability
Show answer
C. Workers compensation
The Department's notice refers to the Nebraska Assigned Risk Workers' Compensation Insurance Plan (WCIP), a residual market for employers needing workers compensation coverage.
Source: Nebraska DOI, Assigned Risk Plan notice

Claims Practices

1 question

1. Under the Nebraska Unfair Insurance Claims Settlement Practices Act, an insurer's act is an unfair practice if committed flagrantly in conscious disregard of the Act, or with enough frequency to indicate what?

  1. A general business practice
  2. A single documented occurrence
  3. An intent to defraud claimants
  4. A pattern lasting over one year
Show answer
A. A general business practice
Neb. Rev. Stat. 44-1539 treats a listed act as an unfair claims settlement practice if flagrant or frequent enough to show a general business practice.
Source: Neb. Rev. Stat. 44-1539

Key Nebraska terms

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

Licensing and CE

Nebraska resident P&C producer CE
Nonexempt resident P&C producers need 21 general hours and three ethics hours every two years.
Nebraska CE carryover restriction
Excess continuing education hours cannot carry forward to a later renewal period.
Nebraska repeat-course CE restriction
The same course cannot be repeated for credit within a two-year license period.
Nebraska excess ethics credit
Ethics hours above the required three count toward general continuing education credit.
Nebraska CE course categories
Approved insurance courses can earn general credit even when outside the producer's licensed lines.

Auto Insurance

Nebraska minimum auto liability limits
Required limits are $25,000 bodily injury per person, $50,000 per accident and $25,000 property damage.
Nebraska household liability protection
Auto liability coverage cannot be reduced solely because the injured person is the named insured or lives in that insured's household.

Cancellation and Nonrenewal

Nebraska protected auto cancellation notice
Policies subject to 44-515 require 30 days' notice, or 10 days with the reason for nonpayment cancellation.
Nebraska requested auto cancellation reason
If no reason accompanies notice, a request at least 25 days before cancellation requires a written reason within five days of receipt.

Guaranty Association

Nebraska ordinary P&C guaranty range
For covered ordinary claims, NPLIGA pays amounts above $100, up to $300,000 or the lower policy limit.
Nebraska guaranty workers compensation benefits
For a covered workers compensation claim, NPLIGA pays the amount required by law.
Nebraska guaranty unearned premium range
NPLIGA covers eligible unearned premium claims above $100 and below $10,000 per policy.

Workers Compensation

Nebraska disability waiting period
Disability benefits generally begin on day eight; if disability lasts six weeks or longer, the first seven days are paid retroactively.
Nebraska total disability wage percentage
Total disability generally pays 66 2/3 percent of injury-date wages, subject to statutory limits and the low-wage exception.

Claims Practices

Nebraska unfair claims practice threshold
An act listed in 44-1540 qualifies if flagrant with conscious disregard of the law, or frequent enough to show a general business practice.

Study the Nebraska 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

Nebraska exam questions

Can I take the Nebraska insurance exam online?

No. Since March 2026 the Department allows testing only at physical test centers.Source: Nebraska Department of Insurance, Notice on Suspension of Remote Testing Sites (Mar 2026)

How many questions are on the Nebraska property and casualty exam?

150 on the combined exam, or 100 for a single line. You need 70 percent to pass.Source: Nebraska Department of Insurance, Insurance Licensing Examination Candidate Information Bulletin (PSI, Feb 2024)

How many times can I retake the Nebraska exam?

There is no limit. You can test until you pass, but not twice on the same day.Source: Nebraska Department of Insurance, Insurance Licensing Examination Candidate Information Bulletin (PSI, Feb 2024)

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

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

What does the Nebraska 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, Guaranty Association, Workers Compensation, Residual Markets, 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 Nebraska state law questions.