Each module is scored separately here so you know exactly where you stand. To pass the real Ohio 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
Ohio licenses Property & Casualty producers through PSI, requiring 70% to pass. This bank covers the national property & casualty material plus Ohio law - auto, property and homeowners (including the Valued Policy Law), and workers' compensation (Ohio's monopolistic state-fund system).
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 Ohio Revised Code for the state-law questions, with the statute section cited in each explanation.
The full Ohio bank contains 994 questions (general insurance plus Ohio 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.
What is the minimum property-damage liability limit required for an owner's auto policy in Ohio?
Why: ORC §4509.51(B)(3) requires at least $25,000 for injury to property of others in any one accident.
Under § 3905.06, the 'life' line of authority is described as insurance coverage on human lives that may also include which benefits?
Why: § 3905.06(B)(1) describes 'life' as coverage on human lives including endowment and annuity benefits and may include accidental death/dismemberment and disability income.
A home has a replacement cost of $300,000 but is insured for only $180,000. The 80% requirement would call for at least how much insurance?
Why: 80% of the $300,000 replacement cost is $240,000, the minimum needed to avoid a coinsurance penalty on partial losses.
Section I of a Businessowners Policy provides:
Why: Section I of the BOP addresses property coverage (building and business personal property), while Section II addresses liability.
Part Two (Employers Liability) of the policy is primarily designed to cover which of the following?
Why: Part Two covers the employer's liability for damages because of bodily injury by accident or disease arising out of employment that is not compensable as statutory benefits under Part One, such as certain lawsuits.
A warehouse roof collapses under the weight of accumulated snow. The insured has only the Basic Causes of Loss form. Is the collapse from snow weight covered?
Why: Weight of snow, ice, or sleet is added in the Broad and Special forms; the Basic form does not include it, so the loss would not be covered.
Under ORC §3937.31, does renewing a policy waive the insurer's right to cancel for grounds that existed before the renewal?
Why: §3937.31(D) provides that renewal of a policy does not constitute a waiver or estoppel with respect to grounds for cancellation that existed before the effective date of the renewal.
A bailee is a party who:
Why: A bailee has lawful temporary possession of another's property (e.g., a dry cleaner or repair shop) and may be liable for its safekeeping.
The CGL pollution exclusion generally bars coverage for:
Why: The pollution exclusion removes coverage for injury/damage from the release of pollutants, subject to limited exceptions.
Unlike Part One, Part Two (Employers Liability) of the policy does include limits of liability. The three Part Two limits typically apply to:
Why: Part Two shows three limits: bodily injury by accident (each accident), bodily injury by disease (policy limit), and bodily injury by disease (each employee).
A scheduled personal property floater typically provides coverage that is:
Why: Floaters offer broad, frequently worldwide, all-risk coverage for scheduled valuables and commonly apply no deductible.
Under § 3901.22(F)(1), the aggregate civil penalty for acts in violation of section 3901.20 may not exceed what amount in any six-month period?
Why: Section 3901.22(F)(1) caps the aggregate penalty at thirty-five thousand dollars in any six-month period; a series of similar acts not in separate sales transactions counts as a single violation.
Under ORC §3937.32, a cancellation notice must inform the insured that, if the cancellation appears based on erroneous information or is contrary to law, the insured may have the matter reviewed by:
Why: §3937.32(A)(6) requires a statement that the insured is entitled to have the matter reviewed by the superintendent of insurance upon written application made not later than the effective date of cancellation.
The Watercraft endorsement on a Homeowners policy is generally used to:
Why: The watercraft endorsement extends Section II liability for boats that exceed the size/horsepower thresholds otherwise excluded by the base policy.
The Homeowners Policy program differs from the Dwelling Policy primarily because it:
Why: Homeowners policies are package policies bundling Section I property coverages with Section II liability coverages, whereas the basic Dwelling Policy is monoline property.
A maintenance bond is best described as a surety bond that:
Why: A maintenance bond guarantees that completed work will be free from defects in workmanship/materials for a specified time.
An HR administrator forgets to enroll a new hire in the group health plan, and the employee incurs large medical bills. Which coverage responds?
Why: A clerical error administering benefits is an EBL claim, not a CGL or WC matter.
Under the PAP, sound-reproducing equipment that IS permanently installed by the manufacturer is:
Why: Factory or permanently installed original equipment is part of the covered auto under Part D; the limitation targets certain aftermarket/added electronic equipment.
If two PAP policies issued by the same insurer apply to the same loss, Part F provides that:
Why: The "Two or More Auto Policies" provision limits recovery so the insurer pays no more than the highest limit under any one of its policies.
Under § 3901.221, a cease-and-desist order notice must set a hearing date on continuation or revocation of the order no more than how many days after the date of the order?
Why: Section 3901.221 requires the notice to set a hearing date not more than fifteen days after the date of the cease-and-desist order, and the person must comply immediately upon receipt.
Under ORC §3955.08, guaranty association assessments among member insurers are apportioned in what proportion?
Why: §3955.08(A)(3) apportions assessments in the proportion that each member's net direct written premiums for the preceding year on the account's kinds of insurance bears to all members' such premiums.
Bodily injury caused by a defect in a product after it has left the insured's possession is subject to which aggregate limit?
Why: Products and completed operations losses are capped by the separate Products-Completed Operations Aggregate.
A bank conditions a borrower's loan approval on the borrower buying the required property insurance from the bank's own affiliated insurer. Under § 3901.211(A)(1), this is:
Why: Section 3901.211(A)(1) prohibits requiring, as a condition precedent to lending money or extending credit, that the borrower negotiate any policy through a particular insurer, group, or agent.
Under a BOP, a small office building owner wants liability coverage for slip-and-fall injuries to visitors. This is provided by:
Why: Bodily injury to third parties on the premises is covered under Section II (Liability) of the BOP, similar to commercial general liability.
When does underinsured motorist coverage actually respond under ORC §3937.18(C)?
Why: ORC §3937.18(C) applies when the limits available under all applicable liability policies are less than the insured's UIM limits.
Directors and Officers (D&O) liability insurance primarily protects:
Why: D&O covers directors, officers, and frequently the entity for losses from alleged wrongful management acts.
Under the domestic-violence provisions of § 3901.21(Y), an insurer that takes action in good faith to comply with division (Y) receives what protection?
Why: Section 3901.21(Y)(4) provides that an insurer is immune from any civil or criminal liability that otherwise might be incurred or imposed as a result of any action taken to comply with division (Y).
A homeowner with a finished basement suffers a flood. Under the NFIP, coverage for the finished walls and basement personal property is:
Why: The NFIP generally excludes finished improvements and most personal property located in a basement, providing only limited coverage for certain mechanical equipment.
For an Ohio workplace injury, temporary total disability under ORC 4123.56 is paid at what rate for the first twelve weeks of total disability?
Why: ORC 4123.56(A) provides that for the first twelve weeks of total disability the employee receives 72% of full weekly wage (subject to a max), then the rate drops to 66 2/3% of AWW.
A claim for a work INJURY in Ohio is forever barred unless notice is filed within what period after the injury?
Why: ORC 4123.84(A) bars injury and death claims unless written or facsimile notice of the injured body part is filed with the commission or BWC within one year after the injury or death.