Vermont · 2-course bundle
Vermont Insurance Producer - Property and Casualty - Exam Prep Bundle
The two single-line Vermont papers in one purchase. If you are sitting the combined Property and Casualty examination instead, buy that course.
18
Sections
123
Lessons
1050+
Practice questions
What you'll learn
Every section below is aligned with the Vermont content outline.
Vermont Insurance Producer - Property - Exam Prep
Section 1I. Property: Vermont Insurance Regulation7 lessons+
I. Property: Vermont Insurance Regulation
7 lessons
- Vermont producer licensing - the process, the licence types and who must hold one
- Keeping a Vermont licence - renewal, expiration, address change, assumed names, reporting and CE
- Vermont disciplinary actions - denial, cease and desist, suspension, revocation and penalties
- The Commissioner's powers and Vermont company regulation
- Vermont producer regulation - appointment, termination, commissions, trust accounts and controlled business
- Vermont unfair methods of competition and unfair or deceptive acts
- Federal regulation reaching a Vermont producer - FCRA and 18 U.S.C. §§1033-1034
Section 2II. Property: General Insurance6 lessons+
II. Property: General Insurance
6 lessons
- Risk management key terms and the five methods of handling risk
- Elements of an insurable risk, adverse selection, the law of large numbers and reinsurance
- Types of insurers - stock, mutual, fraternal, Lloyd's associations, risk retention groups and captives
- Private versus government, admitted versus nonadmitted, domestic, foreign and alien; financial rating services
- Marketing and distribution systems; producers and the general rules of agency
- The insurance contract - elements, distinct characteristics and legal interpretations
Section 3III. Property Insurance Basics23 lessons+
III. Property Insurance Basics
23 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
- The Vermont Property and Casualty Insurance Guaranty Association
- Vermont cancellation, nonrenewal and the renewal notice
- Vermont rate regulation and consent to rate
- Vermont loss payment and the prohibition on discrimination
- Vermont fire insurance valuation and the federal Terrorism Risk Insurance Program
Section 4IV. Property: Dwelling Policy5 lessons+
IV. Property: Dwelling Policy
5 lessons
- The dwelling policy - characteristics, purpose and eligibility
- Dwelling coverage forms and the perils insured against - DP-1 Basic, DP-2 Broad, DP-3 Special
- Dwelling property coverages A through E and the other coverages
- Dwelling general exclusions and conditions
- Dwelling selected endorsements and the personal liability supplement
Section 5V. Property: Homeowners Policy8 lessons+
V. Property: Homeowners Policy
8 lessons
- Homeowners coverage forms HO-2 through HO-6 and eligibility
- Homeowners definitions
- Section I Coverage A - Dwelling and Coverage B - Other structures
- Section I Coverage C - Personal property, special limits and property not covered
- Section I Coverage D - Loss of use and the Section I additional coverages
- Section I perils insured against - named peril and open peril forms
- Section I exclusions and conditions, including loss settlement
- Homeowners property endorsements, including the Vermont amendatory forms
Section 6VI. Property: Auto Insurance4 lessons+
VI. Property: Auto Insurance
4 lessons
- Vermont automobile cancellation and nonrenewal - grounds and notice
- Personal auto policy definitions and Coverage for Damage to Your Auto
- Duties after an accident or loss, general provisions and the personal auto endorsements
- Commercial auto - coverage forms, covered autos and physical damage coverage
Section 7VII. Property: Commercial Package Policy (CPP)6 lessons+
VII. Property: Commercial Package Policy (CPP)
6 lessons
- Components of a commercial package policy
- Commercial property coverage forms and the commercial property conditions form
- Causes of loss forms and the commercial property endorsements
- Commercial inland marine - the conditions form, the coverage forms and transportation coverages
- Equipment breakdown protection coverage
- Farm property coverage - Coverages A through G, mobile machinery and livestock
Section 8VIII. Property: Businessowners Policy4 lessons+
VIII. Property: Businessowners Policy
4 lessons
- The Businessowners Policy - characteristics, purpose and eligibility
- Businessowners Section I - Property: coverage, exclusions, limits and deductibles
- Businessowners Section I loss conditions, general conditions and optional coverages
- Businessowners Section III - Common Policy Conditions and the selected endorsements
Section 9IX. Property: Other Coverages and Options2 lessons+
IX. Property: Other Coverages and Options
2 lessons
- Ocean marine insurance - hull, cargo and freight
- The National Flood Insurance Program
Vermont Insurance Producer - Casualty - Exam Prep
Section 1I. Casualty: Vermont Insurance Regulation7 lessons+
I. Casualty: Vermont Insurance Regulation
7 lessons
- Vermont producer licensing - the process, the licence types and who must hold one
- Keeping a Vermont licence - renewal, expiration, address change, assumed names, reporting and CE
- Vermont disciplinary actions - denial, cease and desist, suspension, revocation and penalties
- The Commissioner's powers and Vermont company regulation
- Vermont producer regulation - appointment, termination, commissions, trust accounts and controlled business
- Vermont unfair methods of competition and unfair or deceptive acts
- Federal regulation reaching a Vermont producer - FCRA and 18 U.S.C. §§1033-1034
Section 2II. Casualty: General Insurance6 lessons+
II. Casualty: General Insurance
6 lessons
- Risk management key terms and the five methods of handling risk
- Elements of an insurable risk, adverse selection, the law of large numbers and reinsurance
- Types of insurers - stock, mutual, fraternal, Lloyd's associations, risk retention groups and captives
- Private versus government, admitted versus nonadmitted, domestic, foreign and alien; financial rating services
- Marketing and distribution systems; producers and the general rules of agency
- The insurance contract - elements, distinct characteristics and legal interpretations
Section 3III. Casualty Insurance Basics14 lessons+
III. Casualty Insurance Basics
14 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
- Casualty policy structure - declarations through endorsements
- Casualty common policy provisions and limits of liability
- The Vermont Property and Casualty Insurance Guaranty Association
- Vermont cancellation, nonrenewal and the renewal notice
- Vermont consent to rate, loss payment and the prohibition on discrimination
- Vermont pollution coverage, the required liability policy conditions and the federal Terrorism Risk Insurance Program
Section 4IV. Casualty: Homeowners Policy5 lessons+
IV. Casualty: Homeowners Policy
5 lessons
- Homeowners coverage forms HO-2 through HO-6 and the definitions that drive Section II
- Coverage E - Personal liability
- Coverage F - Medical payments to others and the Section II additional coverages
- Section II exclusions
- Section II conditions and the liability endorsements, including the Vermont amendatory forms
Section 5V. Casualty: Auto Insurance8 lessons+
V. Casualty: Auto Insurance
8 lessons
- Vermont motor vehicle financial responsibility and the required limits of liability
- The Vermont Automobile Insurance Plan - eligibility and coverage limitations
- Vermont uninsured and underinsured motorist coverage
- Vermont automobile cancellation, nonrenewal and the notice of eligibility
- Vermont automobile binders and merit rating surcharges
- Personal auto policy - liability coverage, supplementary payments and medical payments
- Personal auto policy - UM/UIM, damage to your auto, duties after a loss and endorsements
- Commercial auto - liability, garagekeepers, trailer interchange and the MCS-90
Section 6VI. Casualty: Commercial Package Policy (CPP)5 lessons+
VI. Casualty: Commercial Package Policy (CPP)
5 lessons
- Components of a commercial package policy
- Commercial general liability - Coverages A, B and C and supplementary payments
- CGL limits of insurance, conditions, definitions and exclusions; premises-operations and products-completed operations
- Commercial crime - definitions, coverage forms and the insuring agreements
- Farm liability coverage - Coverages H, I and J
Section 7VII. Casualty: Businessowners Policy3 lessons+
VII. Casualty: Businessowners Policy
3 lessons
- The Businessowners Policy - characteristics, purpose and eligibility
- Businessowners Section II - Liability: coverages, who is an insured, limits and exclusions
- Businessowners Section III - Common Policy Conditions
Section 8VIII. Casualty: Workers Compensation Insurance5 lessons+
VIII. Casualty: Workers Compensation Insurance
5 lessons
- Types of workers compensation law and the Vermont coverage requirement
- Vermont covered injuries, occupational disease and the benefit structure
- Federal workers compensation laws - FELA, the Longshore Act and the Jones Act
- The workers compensation and employers liability policy - the general section and Parts One through Six
- Premium computation and Vermont's other sources of coverage
Section 9IX. Casualty: Other Coverages and Options5 lessons+
IX. Casualty: Other Coverages and Options
5 lessons
- Umbrella and excess liability - personal DL 98 01 and commercial CU 00 01
- Specialty liability insurance - cyber, professional, E&O, D&O, fiduciary, liquor and EPL
- Surplus lines in Vermont - definitions, markets and licensing requirements
- Surety bonds - principal, obligee and surety; contract, licence and permit, and judicial bonds
- Ocean marine insurance - protection and indemnity
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 Vermont exam with confidence. Check the Vermont Department of Insurance for the exam and application steps.
FAQ
What is included in the Vermont Property and Casualty bundle?+
Two complete exam-prep courses, one for each paper: the Vermont Property examination and the Vermont 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. Vermont 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 Vermont 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 Vermont Department of Insurance for the current rule on your specific line of authority.
How many practice questions does this course include?+
This course includes 1050+ practice questions across section quizzes and a full-length 100-question final exam simulator that mirrors the real Vermont 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 Vermont exam?+
The practice questions are written to mirror the real Vermont 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 Vermont 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 Vermont 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 Vermont 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