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· Property & Casualty

Pennsylvania Property & Casualty Producer — Exam Prep

The examination this course is built to

Property and Casualty (Series 16-06), 150 scored questions, 170 minutes, administered by PSI

also publishes Property and Casualty as two SEPARATE papers (Series 16-04 and Series 16-05), at 100 scored questions each. Both routes lead to the same two lines of authority. This course prepares you for the single combined paper. If you have booked the two separate papers instead, the single-line Property and Casualty courses are the ones built to them.

7
Sections
51
Lessons
1000+
Practice questions
70%
Passing score

What you'll learn

Every section below is aligned with the content outline.

Section 1
I. Types of Policies
6 lessons
+
  • Homeowners Forms — HO-2, HO-3, HO-4, HO-5, HO-6, HO-8
  • Dwelling Forms — DP-1, DP-2, DP-3
  • Commercial Lines — CPP, Commercial Property, BOP, Builders Risk, Cyber First-Party
  • Inland Marine — Personal Articles Floaters and Commercial Property Floaters
  • National Flood Insurance Program (NFIP)
  • Other Coverages — Earthquake, Mobile Homes, Watercraft, Farm Owners, Windstorm
Section 2
II. Insurance Terms and Related Concepts
10 lessons
+
  • Insurance Fundamentals — Law of Large Numbers, Insurable Interest, Risk Transfer
  • Risk, Hazard, and Peril — Risk Management Techniques
  • Loss and Valuation — Direct vs. Indirect Loss, ACV, Replacement Cost, Agreed Value, Salvage
  • Proximate Cause, Deductible, Indemnity, and Limits of Liability
  • Coinsurance, Insurance-to-Value, and Occurrence
  • Cancellation, Nonrenewal, Vacancy, and Unoccupancy
  • Liability and Negligence — Elements, Types, and Defenses
  • Binders, Endorsements, Blanket vs. Specific, and Crime Definitions
  • Warranties, Representations, Concealment, Deposit Premium and Audit, Certificate of Insurance
  • Damages and the Fair Credit Reporting Act (FCRA)
Section 3
III. Policy Provisions and Contract Law
8 lessons
+
  • 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 4
IV. Types of Policies, Bonds, and Related Terms
9 lessons
+
  • Commercial General Liability (CGL)
  • Personal Auto Policy (PAP)
  • Business Auto, Garage, and Mobile Equipment
  • Workers' Compensation and Employers Liability
  • Commercial Crime
  • Surety and Fidelity Bonds
  • Professional Liability
  • Umbrella and Excess Liability
  • Businessowners Policy (BOP)
Section 5
V. Insurance Terms and Related Concepts (Casualty emphasis)
8 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
Section 6
VI. Pennsylvania Insurance Code and Insurance Department
5 lessons
+
  • Pennsylvania Insurance Department — Authority, Examinations, Orders, Penalties
  • Producer Licensing in Pennsylvania — Qualifications, Prelicensing, CE, Appointment, Termination
  • Pennsylvania Unfair Insurance Practices Act and Claim Settlement Regulations
  • Claims Handling in Pennsylvania — Timelines, Prompt-Pay, Bad-Faith Remedies
  • Rating and Underwriting in Pennsylvania — the Two Rate Acts, Filings, Prohibited Discrimination, Credit Information and Privacy
Section 7
VII. Pennsylvania Statutes Pertinent to Property and Casualty
5 lessons
+
  • Pennsylvania Automobile Insurance — MVFRL, Tort Options, First-Party Benefits, UM/UIM
  • Pennsylvania Cancellation, Nonrenewal and Binders — Auto, Homeowners, Commercial
  • Pennsylvania Standard Fire Policy and the FAIR Plan
  • Pennsylvania Property and Casualty Insurance Guaranty Association
  • Pennsylvania Workers' Compensation — Compulsory Coverage, SWIF, Benefits, PCRB

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 exam with confidence. Most students finish the course in 2-4 weeks of casual study.

FAQ

How long is the Property & Casualty licensing exam?+
administers this as the Property and Casualty (Series 16-06), through PSI. It carries 150 scored questions with a 170-minute time limit. The published passing score is 70%. The exam fee is $55.
How much does the Property & Casualty exam cost and who administers it?+
contracts the examination to PSI, and you register and pay through them rather than through this course. The published exam fee is $55 per attempt. You are allotted 170 minutes. Fingerprinting, the licence application fee and any state pre-licensing requirement are separate from the exam fee; the Department of Insurance publishes the current schedule.
Does require state-approved pre-licensing education?+
Most states let producers study independently for the licensing exam, but roughly 17 states require state-approved pre-licensing education first. Check the Department of Insurance for the current rule on your specific line of authority.
How many practice questions does this course include?+
This course includes 1000+ practice questions across section quizzes and a full-length 150-question final exam simulator that mirrors the real Property & 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 exam?+
The practice questions are written to mirror the real Property & 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 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 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 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.

Ready to start studying?

Enroll once, keep access forever, pass your exam with confidence.

$49.99 · 7-day money-back · Lifetime access