North Dakota · Casualty
North Dakota Insurance Producer - Casualty - Exam Prep
The examination this course is built to
Casualty (Product and Laws), 110 scored questions, 150 minutes, administered by PSI
10
Sections
45
Lessons
500+
Practice questions
70%
Passing score
What you'll learn
Every section below is aligned with the North Dakota content outline.
Section 1I. North Dakota Insurance Regulation5 lessons+
I. North Dakota Insurance Regulation
5 lessons
- Getting a North Dakota producer licence: the process and the types of licensee
- Keeping the licence: perpetual term, the annual renewal fee, address changes, reporting and continuing education
- Disciplinary action: refusal, cease and desist, suspension and revocation, and what a violation costs
- The Commissioner and company regulation: certificate of authority, solvency inquiries, examinations and appointment
- Prohibited practices and insurance fraud
Section 2II. North Dakota Laws and Regulations Pertaining to Casualty Insurance7 lessons+
II. North Dakota Laws and Regulations Pertaining to Casualty Insurance
7 lessons
- Producer and company responsibilities: countersignature, binders, and cancellation under chapter 26.1-39
- Nonrenewal, agency contract termination, legal action against the insurer, and release of loss information
- The Terrorism Risk Insurance Act of 2002 and the Extension Act of 2005
- The Auto Accident Reparations Act: basic no-fault benefits, optional excess benefits, and the serious injury threshold
- Uninsured and underinsured motorist coverage: mandatory offer, equal limits, priority and no stacking
- Motor vehicle policies under chapter 26.1-40: cancellation, nonrenewal, named driver exclusion, rental coverage and primary against excess
- The North Dakota Automobile Insurance Plan and the North Dakota Insurance Guaranty Association
Section 3III. Federal Laws and Regulations1 lesson+
III. Federal Laws and Regulations
1 lesson
- The Fair Credit Reporting Act: consumer reports, adverse action and the producer's duties
Section 4IV. General Insurance Concepts5 lessons+
IV. General Insurance Concepts
5 lessons
- Risk: the five ways to handle it, the elements of an insurable risk, and the vocabulary
- Classifications of insurers: mutual and stock, admitted and non-admitted, foreign and domestic and alien
- Elements of a contract, and what makes an insurance contract unusual
- Authority and powers of producers: express, implied, apparent, and the law of agency
- Legal interpretations: reasonable expectations, indemnity, good faith, fraud, and warranties against representations
Section 5V. Casualty Insurance Basics16 lessons+
V. Casualty Insurance Basics
16 lessons
- Risk and Hazards in a Casualty Context
- Indemnity and Insurable Interest Applied to Casualty
- Loss Valuation in Casualty — Auto Physical Damage, Crime, and Bodily Injury
- Negligence, Liability, and Occurrence — Casualty Application
- Binders, Warranties, Representations, and Concealment — Casualty Practice
- Deposit Premium, Premium Audit, and Certificates of Insurance
- Law of Large Numbers and Pure vs. Speculative Risk — Casualty Application
- Endorsements, Damages, and FCRA Compliance in Casualty
- Policy Structure — Declarations, Insuring Agreement, Conditions, Exclusions
- Definition of the Insured; Duties of the Insured; Obligations of the Insurance Company
- Mortgagee Rights; Proof of Loss; Notice of Claim; Appraisal
- Other-Insurance Provisions and Subrogation
- Elements of a Contract and Distinctive Characteristics of Insurance Contracts
- Warranties, Representations, and Concealment in Contract Law
- Sources of Underwriting Information; FCRA; GLBA Privacy Protection
- Policy Application; Terrorism Risk Insurance Act (TRIA); Policy Territory
Section 6VI. Personal Automobile Policy3 lessons+
VI. Personal Automobile Policy
3 lessons
- The personal auto policy: definitions, personal injury protection definitions, and liability coverage
- Medical payments, uninsured and underinsured motorists, and coverage for damage to your automobile
- Duties after an accident, the general provisions, and the four named endorsements
Section 7VII. Commercial Automobile Policy2 lessons+
VII. Commercial Automobile Policy
2 lessons
- The commercial automobile policy: coverage forms, the covered auto symbols, hired and non-owned autos
- Commercial auto: liability, physical damage, exclusions, conditions, definitions and the five named endorsements
Section 8VIII. Commercial General Liability2 lessons+
VIII. Commercial General Liability
2 lessons
- Commercial general liability: policy components, the three coverages, and occurrence against claims-made
- CGL exposures: premises and operations, products and completed operations, contractual liability, and the exclusions that shape them
Section 9IX. Other Types of Casualty Insurance2 lessons+
IX. Other Types of Casualty Insurance
2 lessons
- Specialty liability insurance, and personal and commercial umbrella and excess policies
- Surety contracts: how surety differs from insurance, the obligation of the surety, and the three parties
Section 10X. Workers' Compensation Laws2 lessons+
X. Workers' Compensation Laws
2 lessons
- Workers compensation coverages and benefits, and rating and job classification
- Workers compensation definitions: occupational accident against occupational disease, the levels of disability, and the federal acts
How it works
1
Enroll
One-time payment of $49.99. Secure checkout powered by Stripe.
2
Study on your schedule
Read the lesson library, take section quizzes, and work through the practice-question bank as many times as you need.
3
Pass the real exam
Take the official North Dakota exam with confidence. Most students finish the course in 2-4 weeks of casual study.
FAQ
How long is the North Dakota Casualty licensing exam?+
North Dakota administers this as the Casualty (Product and Laws), through PSI. It carries 110 scored questions with a 150-minute time limit. The published passing score is 70%. The exam fee is $64.
Is the North Dakota Casualty exam separate from the Property exam?+
Yes. North Dakota publishes them as separate examinations with their own content outlines and their own item counts, and you register for each one separately. This course prepares for the Casualty paper only. If you want both lines of authority you sit both papers, and the two-course bundle covers them together. If you would rather sit a single combined Property and Casualty examination, North Dakota publishes one of those as well and there is a separate course for it.
Do I need the Property course as well?+
Only if you want that line of authority. An insurance license is issued per line, so passing the North Dakota Casualty exam licenses you for casualty business and nothing else. Many producers start with one line and add the other later, which is why the courses are sold separately; the bundle exists for candidates who already know they want both.
Why not just take the combined Property and Casualty course?+
Because you would be studying material your exam does not test. The Casualty paper has its own published content outline, and this course is built to that outline and weighted to its printed item counts rather than to a combined blueprint. If the combined examination is the one you are registering for, that course is the right one and it is still available.
How much does the North Dakota Casualty exam cost and who administers it?+
North Dakota contracts the examination to PSI, and you register and pay through them rather than through this course. The published exam fee is $64 per attempt. You are allotted 150 minutes. Fingerprinting, the licence application fee and any state pre-licensing requirement are separate from the exam fee; the North Dakota Department of Insurance publishes the current schedule.
Does North Dakota require state-approved pre-licensing education?+
North Dakota does not require state-approved pre-licensing education for this line. You can study independently with this course and sit for the exam directly -- no separate PLE certificate is required.
How many practice questions does this course include?+
This course includes 500+ practice questions across section quizzes and a full-length 110-question final exam simulator that mirrors the real North Dakota Casualty exam format. You can retake every quiz as many times as you want -- there is no cap.
Are the practice questions similar to the real North Dakota exam?+
The practice questions are written to mirror the real North Dakota Casualty exam: the same four-option multiple-choice format, difficulty mix, and topic weighting taken from the state's published content outline, plus a full-length timed simulator matching the real question count. No legitimate provider sells the actual exam questions -- those are confidential -- but studying the same topics at the same weights in the same format is exactly what the exam vendors recommend.
Are the practice questions updated regularly?+
Yes. Question banks and lessons are maintained against each state's current law and the state's published exam content outline -- when a state changes a rule (minimum auto limits, notice periods, education requirements), the affected lessons and practice questions are updated at the source, and because the course is delivered online you always study the current version. Practice-test weighting follows the state's published outline rather than an even spread.
Can I study on my phone?+
Yes. The course works on any phone, tablet, or computer with a browser -- no installs or downloads required -- and your progress, quiz scores, and seat time sync automatically across devices. Materials stay online rather than as downloadable files so that every study session reflects the current version of the content; there is nothing stale sitting in a folder after a state changes its rules.
Can I fit this course around a full-time job?+
It is built for that. The course is fully self-paced with no schedules, live sessions, or deadlines: study in short sessions from your phone during a commute or lunch break, and pick up exactly where you left off on any device. The AI tutor points you to the sections your quiz results show you need most, so limited study time goes where it counts.
Does the course include AI tutoring?+
Yes -- every lesson page has a built-in AI tutor, included with the course at no extra cost. It can explain the current lesson in simpler terms, quiz you one question at a time, and tell you what to study next based on your actual quiz results. If you already use Claude or ChatGPT, you can also connect your own AI assistant to your course from your account page, so it can coach you using your real progress and practice questions.
How long do I have access to the course?+
Lifetime. After purchase you are enrolled immediately and can log in from any device -- laptop, tablet, or phone. Your progress syncs automatically and access never expires.
What if I fail the real North Dakota exam?+
You can reschedule and retake the real exam through your state's testing vendor (typically Pearson VUE or PSI) -- you will pay the exam fee again. Your course access stays with you the whole time, so you can review the sections you missed and try again. Most students who fail on the first attempt pass on the second after a focused review of the weakest section.
Can I retake the North Dakota licensing exam if I fail?+
Every state lets you retake the licensing exam if you fail -- you re-register with the testing vendor (typically Pearson VUE or PSI) and pay the exam fee again. Most states allow unlimited attempts, though some impose a short waiting period between tries or after several failed attempts; the North Dakota candidate handbook lists the exact rule. Inside the course, practice quizzes and the exam simulator are always unlimited.
Can I add another license line later?+
Yes. Insurance licenses are issued per line of authority, so you add a line -- for example adding Life to a Property and Casualty license -- by passing that line's exam through your state; your existing license is unaffected. Courses here are sold per line to match, so you can prepare for each new line the same way you prepared for the first.
Can I get a refund?+
Yes. Within 7 days of purchase and before you have completed more than 25% of the course or started the final exam, you can request a full refund. Email support@theelitecompany.com with your order number; refunds process to the original payment method within 5-10 business days.
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