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Vermont · Casualty

Vermont Insurance Producer - Casualty - Exam Prep

Self-paced exam-prep course for the Vermont Casualty insurance producer license exam. Vermont does not require state-approved pre-licensing education — candidates pass the state exam, complete fingerprinting, and submit a license application. This product is exam preparation only.

The examination this course is built to

Vermont Producer's Examination for Casualty Insurance (14-42), 100 scored questions, 120 minutes, administered by Prometric

Vermont also publishes a single COMBINED Property and Casualty paper (14-31), at 150 scored questions, which covers both lines in one sitting. This course prepares you for the Casualty paper only. If you have booked the combined exam instead, the Property and Casualty course is the one built to it.

9
Sections
58
Lessons
300+
Practice questions
120 min
Exam time limit

What you'll learn

Every section below is aligned with the Vermont content outline.

Section 1
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 2
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 3
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 4
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 5
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 6
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 7
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 8
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 9
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 $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 Vermont exam with confidence. Most students finish the course in 2-4 weeks of casual study.

FAQ

How long is the Vermont Casualty licensing exam?+
Vermont administers this as the Vermont Producer's Examination for Casualty Insurance (14-42), through Prometric. It carries 100 scored questions with a 120-minute time limit. Vermont does not publish a passing score for this examination, so treat the candidate handbook as the authority rather than any figure quoted elsewhere. The exam fee is $73.
Is the Vermont Casualty exam separate from the Property exam?+
Yes. Vermont 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, Vermont 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 Vermont 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 Vermont Casualty exam cost and who administers it?+
Vermont contracts the examination to Prometric, and you register and pay through them rather than through this course. The published exam fee is $73 per attempt. You are allotted 120 minutes. Fingerprinting, the licence application fee and any state pre-licensing requirement are separate from the exam fee; the Vermont Department of Insurance publishes the current schedule.
Does Vermont require state-approved pre-licensing education?+
Vermont 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 300+ practice questions across section quizzes and a full-length 100-question final exam simulator that mirrors the real Vermont 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 Vermont exam?+
The practice questions are written to mirror the real Vermont 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 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. Most students who fail on the first attempt pass on the second after a focused review of the weakest section.
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.

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