Massachusetts · Property & Casualty
Massachusetts Property & Casualty Exam Prep
Comprehensive exam prep for the Massachusetts Property & Casualty insurance licensing exam. Covers Property, Casualty, Personal Lines (Dwelling, Homeowners, Personal Auto / Standard MA Auto Policy) and Commercial Lines (CPP, BOP, Workers' Compensation), plus Massachusetts-specific statutes (Mass. Gen. Laws Ch. 175, Ch. 176D, Ch. 90, Ch. 152). Exam-prep only — Massachusetts does not require state-approved pre-licensing education.
7
Sections
51
Lessons
500+
Practice questions
70%
Passing score
What you'll learn
Every section below is aligned with the Massachusetts content outline.
Section 1I. Types of Policies6 lessons+
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 2II. Insurance Terms and Related Concepts10 lessons+
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 3III. Policy Provisions and Contract Law8 lessons+
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 4IV. Types of Policies, Bonds, and Related Terms9 lessons+
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 5V. Insurance Terms and Related Concepts (Casualty emphasis)8 lessons+
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 6VI. Massachusetts Insurance Code and Division of Insurance5 lessons+
VI. Massachusetts Insurance Code and Division of Insurance
5 lessons
- Massachusetts Division of Insurance — Authority, Examinations, Orders, Penalties
- Massachusetts Producer Licensing — Qualifications, CE, Appointment, Termination
- Unfair Methods of Competition — Mass. Gen. Laws Ch. 176D
- Claims Handling — Ch. 176D § 3(9) Prompt-Pay and Fair Settlement
- Rating and Underwriting — Prohibited Discrimination, Credit Scoring, Filed Rates
Section 7VII. Massachusetts Statutes Pertinent to Property and Casualty5 lessons+
VII. Massachusetts Statutes Pertinent to Property and Casualty
5 lessons
- Cancellation and Nonrenewal — Homeowners (Ch. 175 § 99) and Auto (Ch. 175 § 113A)
- Massachusetts Compulsory Auto Insurance — Standard Policy and CAR
- MPIUA / FAIR Plan — Massachusetts Property Insurance Underwriting Association
- Massachusetts Workers' Compensation — Ch. 152 and the DIA
- Mass. Insurers Insolvency Fund — Ch. 175D Coverage Limits and Claim Filing
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 Massachusetts exam with confidence. Most students finish the course in 2–4 weeks of casual study.
FAQ
Do I need a state-approved pre-licensing course?+
Most states — including Massachusetts for the P&C producer license — let candidates study independently and sit for the exam without formal PLE. About 17 states do require state-approved PLE; in those states you'd need to take a separate PLE course in addition to this exam prep. Check your state's Department of Insurance for specific rules.
How does my access work?+
After purchase, you're enrolled immediately. Log in at any time from any device — laptop, tablet, or phone. Your progress syncs automatically. Access doesn't expire.
What if I fail the real exam?+
Retake the real exam through your state's exam vendor (typically Pearson VUE or PSI). Pay the exam fee again, schedule, and sit again. Your course stays with you the whole time — review the sections you missed and try again. If the course itself disappoints, contact us within 7 days of purchase for a full refund.
Is this course approved by the state?+
For exam prep in states that don't require state-approved pre-licensing education, no provider approval is required — and that's exactly what this course delivers. We do have CE filings pending with the Texas and South Carolina Departments of Insurance; CE bundles publish once those approvals are issued. Course-by-course status for your specific state is listed in the badge above.
Can I get a refund?+
Yes. Within 7 days of purchase and before you've 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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