Each module is scored separately here so you know exactly where you stand. To pass the real New Jersey 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
New Jersey licenses Property & Casualty producers through PSI, requiring 70% to pass. This bank covers the national property & casualty material plus New Jersey law - choice no-fault auto (the Standard vs. Basic policy, the current 35/70/25 minimum limits and the verbal-threshold tort options), property and homeowners (the standard fire policy, the FAIR Plan and PLIGA), and workers' compensation (the 70%-of-wage benefit and the Second Injury Fund).
You need 70%. Practice each module to that level and run the full exam simulation 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 New Jersey statutes (Titles 17, 39 and 34) for the state-law questions, with the statute section cited in each explanation.
The full New Jersey bank contains 1023 questions (general insurance plus New Jersey 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.
Which Part of the Workers Compensation and Employers Liability Policy pays the benefits required by the workers' compensation law of a listed state, with no dollar limit on the amount paid?
Why: Part One pays promptly all benefits required by the workers' compensation law of the states listed; because the law sets the benefits, there is no policy limit on Part One.
A dockworker loading and unloading ships, injured while working on the pier and over navigable waters, is most likely covered by:
Why: The LHWCA provides no-fault workers' compensation benefits to longshore, harbor, and maritime workers (such as those loading/unloading vessels) who are not seamen.
How do CGL aggregate limits reinstate?
Why: Aggregate limits are the most paid during the policy period and reset at each new annual policy term, not after each claim.
Under the health-insurer-primary PIP option, what is the role of the insured's own health coverage?
Why: Under the subsection d. option, the insured's health insurance/HMO/government program is primary for medical expense benefits and the auto insurer pays reasonable expenses not covered by health, up to the PIP limit.
What is the standard waiting period before Business Income coverage begins?
Why: The standard ISO Business Income form has a 72-hour waiting period from the time of direct physical loss before coverage applies.
The period of restoration under Business Income coverage ends on the earlier of:
Why: The period of restoration ends on the date the property should be repaired/replaced with reasonable speed and similar quality, or when business resumes at a new permanent location, whichever is sooner.
The Accounts Receivable floater covers loss resulting from:
Why: Accounts Receivable coverage pays for sums the insured cannot collect because receivable records were lost or destroyed by a covered cause of loss, plus extra collection and reconstruction costs.
In insurance terms, risk is best defined as:
Why: Risk is the uncertainty about whether a loss will happen. Without uncertainty there is no insurable risk.
Which of the following losses is covered under "Other Than Collision" (comprehensive) rather than Collision?
Why: Other Than Collision (comprehensive) covers losses such as fire, theft, hail, vandalism, glass breakage, and contact with animals like a deer.
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.
The requirement that contracting parties be of legal age, sane, and not under the influence refers to which contract element?
Why: Competent parties means each party must have the legal capacity to contract, being of legal age, mentally competent, and sober.
In a liability policy, the insurer's 'duty to defend' generally means it must:
Why: The duty to defend obligates the insurer to provide a legal defense against covered claims, including those that are groundless, false, or fraudulent.
Because insurance contracts are drafted by the insurer and the insured must accept them as written, they are characterized as contracts of:
Why: A contract of adhesion is prepared by one party, the insurer, and offered on a take-it-or-leave-it basis; ambiguities are construed against the drafter.
Storing oily rags near a furnace is an example of which type of hazard?
Why: A physical hazard is a tangible condition of property or environment that increases the chance of loss, such as flammable materials near a heat source.
Part A of the PAP provides coverage for:
Why: Part A — Liability covers bodily injury and property damage for which an insured becomes legally liable due to an auto accident.
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.
Even where PLIGA is obligated on a covered claim, in no event will it pay more than:
Why: Section 8 provides the Association shall not be obligated 'in an amount in excess of the limits of liability stated in the policy of the insolvent insurer.'
Under the Building and Personal Property Coverage Form, which coverage applies to the building structure and permanently installed fixtures?
Why: Coverage A (Building) covers the described building, completed additions, fixtures, permanently installed machinery, and equipment.
Under N.J.S.A. 17:29B-4(9), failing to attempt in good faith to effectuate prompt, fair, and equitable settlement is prohibited in claims where:
Why: Subsection (9)(f) prohibits 'not attempting in good faith to effectuate prompt, fair and equitable settlements of claims in which liability has become reasonably clear.'
A bar overserves a patron who then injures a third party in a fight. Which coverage is designed to respond to the bar's liability?
Why: Because the CGL excludes the liquor business's liability, the bar needs liquor liability/dram shop coverage for injuries connected to serving alcohol.
Under the liberalization clause, if the insurer broadens coverage during the policy term without additional premium:
Why: The liberalization clause automatically extends any coverage-broadening change to existing policies at no extra cost.
An individual producer lets her license lapse by missing the renewal fee due date. Under N.J.S.A. 17:22A-33, within what period may she reinstate the same license without re-taking the written examination?
Why: N.J.S.A. 17:22A-33(c) allows reinstatement of the same license without a written examination within 12 months from the due date of the renewal fee.
When a compensable death occurs in New Jersey, dependents are entitled to compensation computed at what percentage of the deceased worker's wages?
Why: N.J.S.A. 34:15-13(a) provides that for one or more dependents, death benefits are 70% of wages, subject to the same maximum and minimum as subsection 12(a).
When a business entity applies for an insurance producer license, the Commissioner must find that the entity has paid the fees and:
Why: N.J.S.A. 17:22A-32(b) requires a business entity to designate a licensed producer or producers responsible for the business entity's compliance with the insurance laws, rules and regulations of this State.
Under New Jersey's schedule, the loss of vision of one eye is compensated at how many weeks?
Why: N.J.S.A. 34:15-12(c), paragraph 16, provides 200 weeks for the loss of vision of an eye (with an additional 25 weeks for enucleation).
Hired auto physical damage coverage under the BACF can be provided by:
Why: Physical damage on hired autos is added via the appropriate symbol (e.g., 8) or hired auto physical damage endorsement, often with a stated limit.
Which of the following best describes the trade-off at the heart of the workers' compensation 'grand bargain'?
Why: In the historic compromise, workers gained certain, prompt, no-fault benefits while employers gained protection from most tort lawsuits and predictable, limited liability.
New Jersey is best described as which type of automobile insurance state?
Why: New Jersey is a choice no-fault state: motorists may buy the Standard policy or elect the alternative Basic policy, and Standard buyers also choose a tort option.
An injured interstate railroad worker wishes to recover for an on-the-job injury. Which law governs the claim, and on what basis?
Why: The Federal Employers' Liability Act (FELA) covers interstate railroad workers and is fault-based, requiring the worker to prove employer negligence rather than providing automatic no-fault benefits.
Under N.J.S.A. 17:29B-4, refusing to issue or renew a homeowners policy because of the applicant's race, creed, color, national origin, or ancestry is:
Why: Subsection (7)(c) prohibits discrimination against any person because of race, creed, color, national origin or ancestry in the issuance, withholding, extension, or renewal of any policy.