Tennessee property and casualty practice exam
Free property and casualty practice for the Tennessee producer exam: 367 general questions plus 14 Tennessee state law questions, each with an explanation.
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Getting your Tennessee property and casualty license
Tennessee gives property and casualty as separate Pearson VUE exams, $55 each with 1 hour 45 minutes per exam. You can take each one online once; retakes are at a test center.
- Exam provider
- Pearson VUE, at a test center or online (OnVUE)
- Exam fee
- $55 per exam (property, or casualty)
- Exam format
- Each exam has a general section (50 scored + 5 pretest questions) and a Tennessee section (18 scored + 4 pretest questions), with 1 hour 45 minutes per exam
- Passing score
- 70 on a scaled score
- Online testing
- One OnVUE attempt per exam line. Any retake must be at a test center.
- Retakes
- Wait 10 days after a first failed attempt and 30 days after each later attempt
How to plan your retake
Retake rules by state - Fingerprints
- Required after you pass, through IdentoGO
- Continuing education
- 24 hours every 2 years, including 3 hours of ethics
Official links
- Tennessee Department of Commerce and Insurance - official state insurance department
- Pearson VUE, Tennessee Insurance Candidate Handbook (Oct 2026) - exam provider information
Licensing facts checked on , against official sources. Fees and rules change, so confirm with the Tennessee Department of Commerce and Insurance and your exam's candidate handbook before you register.
Tennessee state law questions
Every Tennessee question with its answer, explanation, and the law it comes from.
Licensing and CE
4 questions
1. How many credit hours of study must a Tennessee insurance producer complete in each biennial renewal cycle?
- 12 credit hours
- 16 credit hours
- 24 credit hours
- 40 credit hours
Show answer
TDCI requires twenty-four credit hours of study in approved courses per biennial renewal cycle.
2. Of a Tennessee producer's required CE hours, how many must have a course concentration in ethics?
- 3 hours
- 1 hour
- 6 hours
- 8 hours
Show answer
Three of the credit hours must have a course concentration in ethics.
3. A Tennessee CE course may only be repeated and submitted for credit again after how long?
- One year
- Two years
- Six months
- Five years
Show answer
TDCI says courses may only be repeated and submitted for credit after two years.
4. Which Tennessee producers are exempt from the CE requirement?
- Producers licensed for more than 10 years
- Producers over age 65
- Producers who hold only personal lines authority
- Producers continuously licensed since January 1, 1994
Show answer
TDCI states a producer continuously licensed since January 1, 1994 is exempt from CE.
Auto Insurance
3 questions
1. What is Tennessee's minimum liability limit for each injury or death per accident?
- $25,000
- $15,000
- $50,000
- $10,000
Show answer
The Department of Revenue lists $25,000 for each injury or death per accident.
2. What is Tennessee's minimum liability limit for total injuries or deaths per accident?
- $30,000
- $25,000
- $50,000
- $100,000
Show answer
The Department of Revenue lists $50,000 for total injuries or deaths per accident.
3. What is Tennessee's minimum property damage liability limit per accident?
- $10,000
- $15,000
- $50,000
- $25,000
Show answer
The Department of Revenue lists $25,000 for property damage per accident.
Workers Compensation
4 questions
1. In Tennessee, standard employers (outside construction and coal mining) must secure workers compensation coverage when they have at least how many employees?
- One or more
- Five or more
- Ten or more
- Twenty or more
Show answer
The Department of Labor states every employer in the state with five or more employees must secure workers compensation coverage.
2. In Tennessee, construction businesses must secure workers compensation coverage, or be exempted, when they have at least how many employees?
- Five or more
- Three or more
- One or more
- Ten or more
Show answer
Construction businesses and trades are covered at one or more employees, and must hold coverage or be specifically exempted.
3. In Tennessee, an employer in the coal-mining industry must secure workers compensation coverage when it has at least how many employees?
- One
- Five
- Three
- Ten
Show answer
The Department states coal-mining employers must secure coverage if they have one employee.
4. Besides buying a policy, how may a Tennessee employer meet its workers compensation obligation?
- By posting a bond with the county clerk
- By qualifying as self-insured with the Department of Commerce and Insurance
- By enrolling in a state-run public fund
- By buying employer liability coverage only
Show answer
The Department of Labor states employers may secure coverage through insurance or by qualifying as self-insured with the Department of Commerce and Insurance.
Residual Markets
3 questions
1. What is the Tennessee workers compensation residual market commonly called?
- The Tennessee Assigned Claims Plan
- The Tennessee Joint Underwriting Association
- The Tennessee Workers' Compensation Pool
- The Tennessee Workers' Compensation Insurance Plan (WCIP)
Show answer
TDCI calls the WCIP what is commonly known as the residual market.
2. To place a Tennessee employer in the WCIP, it must have been rejected for coverage by at least how many non-affiliated workers compensation insurers?
- Two
- One
- Three
- Five
Show answer
TDCI requires rejection by at least two non-affiliated WC insurers writing in Tennessee.
3. Which organization manages the Tennessee Workers' Compensation Insurance Plan as rate service organization?
- The Tennessee Department of Labor
- The Insurance Services Office (ISO)
- The National Council on Compensation Insurance (NCCI)
- The National Association of Insurance Commissioners (NAIC)
Show answer
TDCI says the plan is managed by its rate service organization, NCCI.
Key Tennessee terms
15 plain-English cards on Tennessee insurance law, from the Tennessee flashcard deck.
Workers Compensation
- Tennessee ordinary employer coverage threshold
- Generally, employers with five or more employees must secure workers compensation; construction and coal mining have lower thresholds.
- Tennessee construction coverage threshold
- Construction businesses with one or more employees must secure workers compensation coverage or be specifically exempted.
- Tennessee coal-mining coverage threshold
- Coal-mining employers must secure workers compensation when they have one employee.
- Tennessee workers compensation self-insurance
- Employers may buy coverage or qualify as self-insured with the Department of Commerce and Insurance.
Residual Markets
- Tennessee WCIP eligibility rejections
- Employers unable to buy voluntary coverage need rejection by at least two non-affiliated Tennessee workers compensation insurers.
- Tennessee residual workers compensation administrator
- NCCI manages the Tennessee Workers' Compensation Insurance Plan as the state's rate service organization.
- Tennessee residual market premium arrears
- Eligibility requires no undisputed workers compensation premium debt to a prior insurer.
- Tennessee residual market safety requirement
- Applicants must comply with all reasonable workplace safety recommendations to qualify for residual coverage.
- Tennessee WCIP voluntary-market exit
- An employer may move to voluntary coverage anytime; a minimum premium applies, but no short-rate cancellation penalty.
Licensing and CE
- Tennessee first failed exam retake wait
- A producer applicant must wait 10 days after the first failed examination before retaking it.
- Tennessee later exam retake wait
- After each subsequent producer exam attempt, the applicant must wait 30 days before retesting.
- Tennessee OnVUE attempt limit
- Each exam line allows one online attempt; additional attempts must be at a physical testing center.
- Tennessee scaled passing score
- The passing score is 70 on a scaled 0-to-100 score, not 70 percent of questions correct.
- Tennessee single-line P&C exam fee
- Property alone or casualty alone costs $55 per examination at a testing center.
- Tennessee exam reservation lead time
- Online and phone reservations must be made at least 24 hours before the desired exam date.
Keep studying
The general topics make up most of the exam.
Tennessee exam questions
Can I take the Tennessee property and casualty exam online?
Yes, once per exam line through OnVUE. If you need a retake, it must be at a physical test center.Source: Pearson VUE, Tennessee Insurance Candidate Handbook (Oct 2026)
How soon can I retake the Tennessee exam?
10 days after a first failed attempt, and 30 days after each later attempt.Source: Pearson VUE, Tennessee Insurance Candidate Handbook (Oct 2026)
How many questions are on the Tennessee property exam?
50 scored general questions and 18 scored Tennessee questions, plus 9 pretest questions, in 1 hour 45 minutes. The casualty exam has the same format.Source: Pearson VUE, Tennessee Insurance Candidate Handbook (Oct 2026)
How much of the Tennessee property and casualty exam is state law?
State law is usually around 20 to 30 percent of a state's producer exam. Check the Tennessee candidate handbook from your testing provider for the exact content outline.
What does the Tennessee 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, Workers Compensation, Residual Markets.
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 Tennessee state law questions.