Revise with instant feedback: the moment you pick an answer you see whether it was right, with the written, source-cited explanation. Untimed — ideal before you sit a mock exam. Questions you miss keep coming back until you know them.
Exam-day conditions: no feedback until you submit, each module scored separately like the real test, with a full question-by-question review at the end.
Each module is scored separately here so you know exactly where you stand. To pass the real Maryland exam you need 70%.
The free sample gives you about 20 questions per module. The full bank contains every question — general insurance plus state law — with written, statute-cited explanations. $49, one time, lifetime access on up to 3 devices — every state and line we add later included.
✓ One purchase, use it on up to 3 of your devices · no subscription · no account needed
Maryland licenses Property and Casualty producers through Prometric (a 120-question exam, 150 minutes, 70% to pass). This bank covers the national property & casualty material plus Maryland law - the 30/60/15 compulsory auto minimum limits with PIP and uninsured/underinsured motorist coverage, the Maryland Automobile Insurance Fund (MAIF), the guaranty corporation, cancellation and nonrenewal, and workers compensation.
You need 70%. Revise each module to that level in Revision Mode, then run the full exam simulation in Exam Mode before your test date.
No vendor publishes the live exam. Every question here is original, written to the official content outline and grounded in public-domain sources — including the Maryland Insurance, Transportation and Labor & Employment Articles for the state-law questions, with the statute section cited in each explanation.
The full Maryland bank contains 958 questions (general insurance plus Maryland law), with written, source-cited explanations. The free sample gives you about 20 questions per module.
$49, one time, for lifetime access — and it includes every state and line we add later, at no extra charge. No subscription.
Yes. One purchase works on up to 3 of your devices, for example your laptop, phone and tablet, so you can practise wherever you are. Your progress is saved on each device.
No. The practice tests run in your browser with no signup. Your score history is saved on your own device.
A selection of free questions with answers and explanations. Use the interactive modules above for timed, scored drills.
Under MD Ins. § 27-301, the unfair claim settlement practices subtitle provides:
Why: Section 27-301 states the subtitle provides administrative remedies only and neither creates nor bars a private right of action — therefore the keyed answer.
In a policy with more than one named insured, the 'first named insured' is generally responsible for:
Why: The first named insured has specific duties and rights, such as paying premiums, receiving notices, and requesting changes on behalf of all insureds.
Under MD Ins. § 10-117, a licensee who fails to timely file an address change is in violation of...?
Why: Insurance Article § 10-117(b)(2) makes an untimely address-change filing a violation of § 10-126(a)(1) — therefore that option.
The 'Separation of Insureds' condition in the CGL means that:
Why: Separation of insureds applies the coverage separately to each insured (except for the shared limits), as if each were separately insured.
A spouse of an injured worker sues the employer for loss of the worker's companionship and services resulting from the work injury. This is an example of which type of claim Part Two may cover?
Why: Part Two can cover consequential bodily injury and care/loss of services (loss of consortium) suits brought by family members related to the employee's work injury.
An applicant for life insurance is refused solely because the person has the sickle-cell trait. Under MD Ins. § 27-208, this refusal is:
Why: Section 27-208(a)(3) bars refusing to insure based solely on the sickle-cell (or similar harmless genetic) trait unless there is actuarial justification — therefore the keyed answer.
Under MD Ins. § 2-205, instead of conducting an examination of a foreign insurer, the Commissioner may...?
Why: Insurance Article § 2-205(f) lets the Commissioner accept a certified report of another state's most recent examination — therefore that option.
Under MD Ins. § 27-613, an insurer may cancel a private passenger auto policy midterm for which reason?
Why: Section 27-613(b)(3) permits midterm cancellation only for material misrepresentation/fraud, a threat to public safety, an increased hazard, nonpayment, or license/registration revocation of a covered driver for driving-record reasons — therefore the keyed answer.
Under MD Ins. § 2-213, on request of a party at a hearing, the Commissioner shall...?
Why: Insurance Article § 2-213(b) requires the Commissioner to issue subpoenas on a party's request to compel witnesses or evidence — therefore that option.
An 'additional insured' endorsement on a CGL is most commonly used to:
Why: Additional insured endorsements extend coverage to specified third parties (landlords, GCs, owners) for liability connected to the named insured's operations.
Under MD Ins. § 27-305, the penalty for each violation of § 27-303 may not exceed:
Why: Section 27-305(a)(1) authorizes a penalty not exceeding $2,500 for each violation of § 27-303 or a regulation adopted under it — therefore $2,500.
A clothing store's stock is destroyed by fire. The BPP with the Special Causes of Loss form is in force. Coverage applies because:
Why: Under the open-perils Special form, fire is a covered cause of loss because it is a risk of direct physical loss that is not excluded.
Under the Business Auto Coverage Form, the named insured is an insured for any covered auto. Additionally, who qualifies as an insured?
Why: Permissive users of a covered auto are insureds, subject to exceptions such as employees using their own autos and certain auto-business operations.
Under MD Ins. § 27-305, attorney's fees recovered from an insurer for a § 27-303(9) violation may not exceed:
Why: Section 27-305(c)(4) caps attorney's fees recovered from an insurer at one-third of the actual damages recovered — therefore the keyed answer.
Under MD Ins. § 3-324, the premium receipts tax on surplus lines insurance is:
Why: Section 3-324(b) imposes a premium receipts tax of 3% on gross surplus lines premiums, less returned premiums.
The standard CGL excludes liability for professional services. An architect, accountant, or doctor would address this gap with:
Why: Professional services are excluded under the CGL and must be insured with a Professional Liability/E&O policy.
Under MD Transp. § 17-103, the maximum annual sum the Administration may assess a self-insurer for actuarial studies and solvency audits is:
Why: Section 17-103(a)(4) provides that the Administration shall assess each self-insurer an annual sum which may not exceed $750.
Under MD Ins. § 25-401, the term 'Association' means:
Why: Section 25-401(b) defines Association as the Joint Insurance Association (the FAIR-plan mechanism).
Under MD Ins. § 2-109, the Commissioner must establish a toll-free telephone number to help consumers purchase...?
Why: Insurance Article § 2-109(c) requires a toll-free line to help consumers with private passenger automobile insurance — therefore that option.
Compared with the standard CGL, professional liability and D&O policies most often pay defense costs:
Why: Many specialty/management liability policies use defense-within-limits, so defense costs reduce the amount available for settlements.
Under MD Ins. § 27-210, which practice is expressly NOT treated as unlawful discrimination or a rebate?
Why: Section 27-210(f) provides that issuing contracts on a salary-savings or payroll-deduction plan at a reduced rate commensurate with the savings is not discrimination or a rebate — therefore the keyed answer.
A homeowner's insurer cancels a policy based solely on the insured's low credit score. Under MD Ins. § 27-501, this action is:
Why: Section 27-501(e-2)(2) bars refusing to underwrite, cancelling, or refusing to renew a homeowner's risk based in whole or in part on the credit history of the applicant or insured — therefore prohibited.
Custom furnishings or equipment installed in a pickup or van (e.g., custom murals, special carpeting) under the unendorsed PAP are:
Why: The PAP excludes custom furnishings or equipment in pickups and vans unless coverage is specifically added, often by endorsement.
An insurer receives satisfactory proof of a PIP claim. Under MD Ins. § 19-508, within what time must it pay?
Why: Section 19-508(a)(1) requires PIP benefits to be paid within 30 days after the insurer receives satisfactory proof of claim.
A covered employee sustains an accidental personal injury on the job. Under MD Lab. & Empl. § 9-501, the result is that:
Why: Section 9-501(a) requires each employer of a covered employee to provide compensation for an accidental personal injury sustained by that employee.
Professional Liability / Errors & Omissions (E&O) coverage responds to claims arising from:
Why: E&O covers financial harm to clients from a professional's negligent acts, errors, or omissions in delivering services.
An employer fails to secure workers' compensation coverage and a worker is injured. Under MD Lab. & Empl. § 9-509, the injured worker may:
Why: Section 9-509(c)(1) lets the employee bring a claim for compensation OR an action for damages when the employer fails to secure compensation.
Under PAP Part C, uninsured motorists coverage primarily pays for:
Why: UM coverage pays bodily injury damages the insured could have recovered from a negligent uninsured motorist; UMPD for property may be available in some states.
A tenant rents space and is contractually responsible for fire damage to the landlord's building. The best coverage is:
Why: Legal Liability Coverage protects a tenant against liability for fire (or other covered peril) damage to property of others in their care, such as a leased building.
A television spot for an insurer overstates the benefits its policies pay. Under MD Ins. § 27-203, the broadcast is:
Why: Section 27-203 reaches advertisements over a radio or television station that are untrue, deceptive, or misleading about the insurance business — therefore prohibited.