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North Dakota · 2-course bundle

North Dakota Insurance Producer - Property and Casualty - Exam Prep Bundle

Both North Dakota papers in one purchase. Property and Casualty are separate examinations in North Dakota; this is the two courses together.

20
Sections
93
Lessons
1300+
Practice questions

What you'll learn

Every section below is aligned with the North Dakota content outline.

North Dakota Insurance Producer - Property - Exam Prep

Section 1
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, insurance fraud and consumer information privacy
Section 2
II. North Dakota Laws and Regulations Pertaining to Property Insurance
6 lessons
+
  • Producer responsibilities: the countersignature rule that is really a no-countersignature rule, and binders
  • Cancellation: the sixty day underwriting window and the seven grounds after it
  • Cancellation notice, the statement of reasons, and the ten conditions that allow five days
  • Nonrenewal, and what happens to the book when an agency contract ends
  • Property insurance provisions: the Valued Policy law and the standard fire policy
  • Release of loss and claim information, and the North Dakota Insurance Guaranty Association
Section 3
III. Federal Laws and Regulations
2 lessons
+
  • The Fair Credit Reporting Act: consumer reports, adverse action and the producer's duties
  • Flood insurance education and the National Flood Insurance Program
Section 4
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 5
V. Property Insurance Basics
18 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)
  • 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 6
VI. Dwelling Policy Concepts
2 lessons
+
  • The dwelling policy: purpose, eligibility, the three peril forms and Coverages A through E
  • Dwelling conditions, exclusions, endorsements, and the personal liability supplement
Section 7
VII. Homeowners Policy Concepts
3 lessons
+
  • Homeowners: definitions, eligibility, and the six coverage forms North Dakota prints
  • Homeowners Section I property coverages A to D and Section II liability coverages E and F
  • Homeowners exclusions, conditions, the seven named endorsements, and scheduled personal property
Section 8
VIII. Commercial Property Policies
3 lessons
+
  • The commercial package policy and the components every commercial policy is built from
  • Commercial property forms: building and business personal property, builders risk, business income, extra expense, legal liability, and the causes of loss forms
  • Commercial crime, the six named property endorsements, inland and ocean marine, and farm coverage
Section 9
IX. Businessowners Policy
2 lessons
+
  • The businessowners policy: characteristics, purpose, and Section I property
  • The businessowners policy: Section II liability, who is an insured, and the limits
Section 10
X. Other Types of Property Insurance
2 lessons
+
  • Other types of property insurance: the mobile home policy and earthquake insurance
  • Flood insurance as a product: what it covers, what it does not, and how it is bought

North Dakota Insurance Producer - Casualty - Exam Prep

Section 1
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 2
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 3
III. Federal Laws and Regulations
1 lesson
+
  • The Fair Credit Reporting Act: consumer reports, adverse action and the producer's duties
Section 4
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 5
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 6
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 7
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 8
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 9
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 10
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 $79.99. 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. Check the North Dakota Department of Insurance for the exam and application steps.

FAQ

What is included in the North Dakota Property and Casualty bundle?+
Two complete exam-prep courses, one for each paper: the North Dakota Property examination and the North Dakota Casualty examination. Each is built to its own published content outline and weighted to that paper's printed item counts, with its own lessons, section quizzes and full-length simulator. Lifetime access to both, and the AI tutor works across both.
Is the bundle cheaper than buying the two courses separately?+
Yes. The bundle is $79.99 against $99.98 for the 2 courses bought individually. One payment, and both courses appear in your library immediately.
Should I buy the bundle or the combined Property and Casualty course?+
It depends which examination you are registering for. North Dakota publishes a Property paper, a Casualty paper and a combined Property and Casualty paper. If you are sitting the two single-line papers, this bundle is what you want. If you are sitting the single combined examination, buy the combined course instead: it is built to that paper's outline and this bundle is not.
Does North Dakota 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 North Dakota Department of Insurance for the current rule on your specific line of authority.
How many practice questions does this course include?+
This course includes 1300+ practice questions across section quizzes and a full-length 110-question final exam simulator that mirrors the real North Dakota 2-course bundle 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 2-course bundle 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.
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.

Ready to start studying?

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

$79.99 · 7-day money-back · Lifetime access