Rhode Island property and casualty practice exam
Free property and casualty practice for the Rhode Island producer exam: 367 general questions plus 14 Rhode Island state law questions, each with an explanation.
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Studying for Life and Health? Rhode Island life and health practice exam
Getting your Rhode Island property and casualty license
Rhode Island's property and casualty exams are given by Pearson VUE and cost $80 each, with the second exam free when booked back to back. You need a 70 to pass, and no pre-licensing course is required.
- Exam provider
- Pearson VUE
- Exam fee
- $80 per exam. Schedule two exams back to back and the second is free.
- Exam format
- Property: 50 general + 26 Rhode Island scored questions. Casualty: 50 general + 32 Rhode Island scored questions. Each adds 11 pretest questions and allows 1 hour 15 minutes for the general section and 45 minutes for the state section.
- Passing score
- 70
- Pre-licensing education
- Not required
- Retakes
- Wait 24 hours before booking a retake
How to plan your retake
Retake rules by state
Official links
- Rhode Island Department of Business Regulation, Insurance Division - official state insurance department
- Pearson VUE, Rhode Island Department of Insurance Licensing Candidate Handbook (Feb 2026) - exam provider information
Licensing facts checked on , against official sources. Fees and rules change, so confirm with the Rhode Island Department of Business Regulation, Insurance Division and your exam's candidate handbook before you register.
Rhode Island state law questions
Every Rhode Island question with its answer, explanation, and the law it comes from.
Guaranty Association
3 questions
1. For insolvencies occurring on or after January 1, 2008, what is the Rhode Island Insurers' Insolvency Fund's per-claimant cap on most covered claims?
- $100,000
- $300,000
- $500,000
- $1,000,000
Show answer
R.I. Gen. Laws 27-34-8 sets $500,000 per claimant for covered claims other than workers compensation and unearned premium; $300,000 applied before 2008.
2. How much unearned premium does the Rhode Island Insurers' Insolvency Fund pay per policy?
- $10,000
- $2,500
- $5,000
- $25,000
Show answer
R.I. Gen. Laws 27-34-8 caps the return of unearned premium at $10,000 per policy for a covered claim.
3. What is the most the Rhode Island Insurers' Insolvency Fund may assess a member insurer in any one year on any account?
- 1 percent
- 5 percent
- 10 percent
- 2 percent
Show answer
R.I. Gen. Laws 27-34-8 provides that a member may not be assessed in any one year on any account an amount greater than 2 percent.
Licensing and CE
2 questions
1. How many continuing education credit hours must a Rhode Island insurance producer complete in each two-year license period?
- 12 hours, including 2 hours of ethics
- 24 hours, including 3 hours of ethics
- 20 hours, including 3 hours of ethics
- 24 hours, with no ethics requirement
Show answer
Rhode Island's CE rule requires a minimum of 24 accumulated credit hours including 3 hours of ethics, earned within the biennial license cycle.
2. Under Rhode Island's producer CE rule, up to how many excess credits may be carried into the next renewal period?
- 5 credits
- 8 credits
- 24 credits
- 12 credits
Show answer
The rule allows up to 12 excess credits from one cycle to carry through the end of the next renewal period, but the 3 ethics credits must be earned in each cycle.
Cancellation and Nonrenewal
3 questions
1. How many days before the effective date must a Rhode Island insurer give notice to cancel a private passenger auto policy for a reason other than nonpayment?
- At least 10 days
- At least 30 days
- At least 20 days
- At least 45 days
Show answer
230-RICR-20-05-2 section 2.5(B) requires notice at least 30 days before the effective date of cancellation.
2. What is the minimum notice a Rhode Island insurer must give before cancelling a private passenger auto policy for nonpayment of premium?
- 5 days
- 15 days
- 10 days
- 30 days
Show answer
Section 2.5(B) of 230-RICR-20-05-2 requires at least 10 days before the effective date when cancellation is for nonpayment.
3. How far in advance of the end of the policy period must a Rhode Island insurer give notice of nonrenewal of a private passenger auto policy?
- At least 30 days
- At least 15 days
- At least 45 days
- At least 60 days
Show answer
Section 2.6(A) of 230-RICR-20-05-2 requires notice at least 30 days in advance of the end of the policy period.
Residual Markets
1 question
1. Under R.I. Gen. Laws 27-33-2, which insurers must participate in Rhode Island's basic property insurance placement program, the FAIR plan?
- Only domestic mutual insurers
- Domestic insurers and licensed insurers writing the listed property classes
- Only surplus lines insurers
- Only insurers writing workers compensation
Show answer
Each domestic insurer and each insurer licensed for the classes listed in 27-8-1 and 27-8-3 must participate, or risk license revocation, suspension, or nonrenewal.
Claims Practices
4 questions
1. Under R.I. Gen. Laws 27-9.1-4, within how many calendar days must an insurer provide the forms needed to present a claim after a request?
- 3 calendar days
- 15 calendar days
- 30 calendar days
- 10 calendar days
Show answer
Failing to provide forms necessary to present claims, with reasonable explanations, within 10 calendar days of a request is an unfair claims practice.
2. Under R.I. Gen. Laws 27-9.1-4, failing to respond to a claim within how many days is an unfair claims practice, unless the insured agrees to a longer period?
- 7 days
- 15 days
- 30 days
- 60 days
Show answer
The statute lists failing to respond to a claim within thirty days, unless the insured agrees to a longer period, as an unfair claims practice.
3. Under R.I. Gen. Laws 27-9.1-3, an insurer commits an improper claims practice when it commits an unfair act and the conduct is:
- Flagrant and in conscious disregard, or frequent enough to be a general business practice
- A single clerical error
- Reported by a competitor
- Corrected within one year
Show answer
Section 27-9.1-3 requires either flagrant conduct in conscious disregard of the chapter or conduct with a frequency indicating a general business practice.
4. Under R.I. Gen. Laws 27-29-1, the Rhode Island unfair trade practices chapter for insurance does what regarding private lawsuits?
- It gives policyholders a right to sue for triple damages
- It does not create or imply a private cause of action
- It requires arbitration of every complaint
- It allows suits only by licensed producers
Show answer
Section 27-29-1 states that nothing in the chapter creates or implies a private cause of action for a violation.
Workers Compensation
1 question
1. Within how many days of a workers compensation policy's effective date must a Rhode Island insurer notify the Director of Labor and Training of its issuance?
- 5 days
- 2 days
- 10 days
- 30 days
Show answer
R.I. Gen. Laws 28-36-12 requires the insurer to notify the director within five days of the effective date of the policy.
Key Rhode Island terms
18 plain-English cards on Rhode Island insurance law, from the Rhode Island flashcard deck.
Licensing and CE
- Rhode Island resident producer CE
- Nonexempt resident producers need 24 approved hours per biennial cycle, including three ethics hours.
- Rhode Island CE carryover allowance
- Up to 12 excess credits may carry forward through the end of the next renewal period.
- Rhode Island excess ethics credit treatment
- Carried ethics credits count as general credits; three new ethics hours must be earned in each biennial cycle.
- Rhode Island long-service CE exemption
- Residents qualify with 25 continuous years of licensure without a lapse and at least age 55 at renewal.
- Rhode Island CE provider roster deadline
- Providers must submit course completion rosters electronically within 10 days after course completion.
Auto Insurance
- Rhode Island minimum auto liability limits
- Minimum limits are $25,000 bodily injury per person, $50,000 per accident and $25,000 property damage, or a $75,000 single limit.
Cancellation and Nonrenewal
- Rhode Island protected auto cancellation grounds
- For policies under Part 2, cancellation grounds are restricted after 60 days, or immediately for renewals.
- Rhode Island auto cancellation notice periods
- For policies subject to 2.5, give 30 days' written notice, reduced to 10 days with a reason for nonpayment.
- Rhode Island ordinary auto nonrenewal notice
- For policies under 2.6, generally give 30 days' notice with reasons; nonpayment and assigned risk policies have exceptions.
- Rhode Island older driver nonrenewal protection
- A private passenger auto policy cannot be nonrenewed solely because the insured reaches age 65 or older.
Guaranty Association
- Rhode Island ordinary P&C guaranty limit
- For insolvencies from January 1, 2008, ordinary covered claims have a $500,000 per-claimant cap, subject to the policy obligation.
- Rhode Island guaranty unearned premium limit
- Covered return-of-unearned-premium claims are capped at $10,000 per policy.
- Rhode Island guaranty workers compensation benefits
- The association pays the full amount of a covered claim for workers compensation benefits.
- Rhode Island guaranty annual assessment ceiling
- Per account, annual assessments cannot exceed two percent of the member's prior-year net direct written premiums in that account.
Claims Practices
- Rhode Island unfair claims conduct threshold
- An act listed in 27-9.1-4 qualifies if flagrant with conscious disregard of the law, or frequent enough to show a business practice.
- Rhode Island claim forms delivery period
- Failing to supply needed forms and explanations within 10 calendar days of request is a listed unfair practice under 27-9.1-3.
- Rhode Island claim response period
- A listed unfair practice is failing to respond within 30 days unless the insured agrees to longer, subject to 27-9.1-3.
Workers Compensation
- Rhode Island workers compensation issuance report
- Insurers must notify the director within five days after a workers compensation policy's effective date.
Keep studying
The general topics make up most of the exam.
Rhode Island exam questions
Do I need a pre-licensing course for property and casualty in Rhode Island?
No. Pre-licensing education is not required to get a license.Source: Rhode Island Department of Business Regulation, Insurance General Exam Information
How much does the Rhode Island exam cost?
$80 per exam. If you schedule two exams back to back, the second one is free.Source: Pearson VUE, Rhode Island Department of Insurance Licensing Candidate Handbook (Feb 2026)
Do I have to take property and casualty together in Rhode Island?
First-time property and casualty candidates must register for both the Property Producer and Casualty Producer exams. You can take both in one session.Source: Pearson VUE, Rhode Island Department of Insurance Licensing Candidate Handbook (Feb 2026)
How much of the Rhode Island property and casualty exam is state law?
State law is usually around 20 to 30 percent of a state's producer exam. Check the Rhode Island candidate handbook from your testing provider for the exact content outline.
What does the Rhode Island 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: Guaranty Association, Licensing and CE, Cancellation and Nonrenewal, Residual Markets, Claims Practices, 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 Rhode Island state law questions.