Key Takeaways
- Massachusetts divides Property and Casualty into two separate exams, each requiring 70% to pass
- Each exam (Property or Casualty) consists of 100 scored questions plus 5 pre-test questions
- Each exam allows 120 minutes (2 hours) to complete
- The combined P&C exam costs $49, or $39 for each individual exam
- Massachusetts has no pre-licensing education requirements, but exam prep is highly recommended
- Exams are administered by Prometric at testing centers or online
Massachusetts Property & Casualty Insurance Exam 2026
Welcome to your FREE Massachusetts Property & Casualty (P&C) Insurance exam preparation guide. This comprehensive study resource covers Massachusetts-specific insurance laws, regulations, and requirements you need to pass your state licensing exam.
Note: This guide covers Massachusetts state-specific content. You should also study national Property & Casualty insurance concepts, as the exam tests both state and general insurance knowledge.
Why Get Licensed in Massachusetts?
Massachusetts is a major insurance market with unique regulatory features:
- No-fault auto insurance state with mandatory Personal Injury Protection (PIP)
- Prior approval rate regulation system for most property and casualty products
- Strong consumer protection laws under the Division of Insurance
- Large insurance industry with numerous career opportunities
- Access to the broader New England insurance market
What This Guide Covers
This FREE study guide includes:
✓ Massachusetts Insurance Law & Regulations - Division of Insurance, rate approval, consumer protections ✓ Property Insurance - Homeowners, dwelling, commercial property, Massachusetts FAIR Plan ✓ Casualty/Liability Insurance - Auto insurance (including no-fault), general liability, workers' compensation ✓ Massachusetts-Specific Topics - Coastal/winter weather risks, Massachusetts Insurance Law requirements ✓ Practice Questions - Quiz questions in each chapter to test your knowledge
Exam Format & Requirements
Exam Structure
| Exam Component | Details |
|---|---|
| Exam Type | Two separate exams: Property and Casualty |
| Questions per Exam | 100 scored questions + 5 pre-test (unscored) |
| Time Limit | 120 minutes (2 hours) per exam |
| Passing Score | 70% on each exam (scores are NOT averaged) |
| Question Format | Multiple choice with 4 answer options |
| Testing Provider | Prometric (in-person or online) |
Exam Costs
- Combined P&C Exam: $49
- Individual Property Exam: $39
- Individual Casualty Exam: $39
Pre-License Education
Massachusetts has NO mandatory pre-license education requirement for Property & Casualty insurance. However, most successful candidates spend 40-60 hours studying exam content and taking practice tests.
Exam Tip: Even though Massachusetts doesn't require pre-license courses, thorough preparation is essential. The 70% passing requirement means you must know the material well.
Exam Content Areas
Property Exam Topics
The Massachusetts Property exam covers:
-
Massachusetts Insurance Regulations (15-20%)
- Division of Insurance authority and functions
- Producer licensing and continuing education
- Rate approval processes
- Consumer protection laws
-
Property Insurance Principles (25-30%)
- Homeowners policies (HO-2, HO-3, HO-4, HO-6)
- Dwelling policies (DP-1, DP-2, DP-3)
- Property valuation methods
- Loss settlement provisions
-
Commercial Property Insurance (25-30%)
- Commercial property policies
- Business owners policies (BOP)
- Inland marine coverage
- Commercial crime insurance
-
Massachusetts-Specific Property Requirements (20-25%)
- Massachusetts FAIR Plan
- Coastal/winter weather considerations
- State-mandated policy provisions
- Cancellation and non-renewal rules
Casualty Exam Topics
The Massachusetts Casualty exam covers:
-
Massachusetts Auto Insurance Law (30-35%)
- Compulsory auto insurance requirements
- Personal Injury Protection (PIP)
- No-fault insurance system
- Safe Driver Insurance Plan (SDIP)
-
General Liability Insurance (25-30%)
- Commercial general liability (CGL)
- Personal liability coverage
- Professional liability
- Products liability
-
Workers' Compensation (20-25%)
- Massachusetts workers' comp requirements
- Coverage provisions
- Classification systems
- Experience modification
-
Other Casualty Lines (15-20%)
- Umbrella and excess liability
- Businessowners liability
- Employment practices liability
- Cyber liability
How to Use This Study Guide
Recommended Study Plan
Week 1-2: Property Insurance
- Study Chapters 1-2 on Massachusetts regulations and property insurance
- Complete all practice questions
- Review key takeaways and summaries
Week 3-4: Casualty Insurance
- Study Chapters 3-4 on casualty/liability insurance and Massachusetts auto law
- Complete all practice questions
- Focus on Massachusetts-specific requirements
Week 5-6: Review & Practice
- Review all key takeaways
- Retake practice questions
- Take full-length practice exams
- Focus on weak areas
Study Tips
- Master Massachusetts-Specific Content: The exam heavily tests state-specific laws, especially auto insurance no-fault provisions
- Understand Concepts, Don't Memorize: Focus on understanding why laws exist and how coverage works
- Practice with Questions: Use the quiz questions throughout this guide to test your knowledge
- Review Key Takeaways: Each section includes key points—review these regularly
- Use Multiple Resources: Combine this FREE guide with practice exams and other study materials
Taking the Exam
Scheduling Your Exam
- Register with Prometric: Visit prometric.com or call to schedule
- Choose Exam Type: Select Property, Casualty, or Combined P&C
- Select Testing Option: In-person at testing center or online (if eligible)
- Pay Exam Fee: $39 per exam or $49 combined
On Exam Day
Bring to the Testing Center:
- Valid government-issued photo ID (driver's license or passport)
- Confirmation number from Prometric
Testing Center Rules:
- No phones, calculators, or reference materials allowed
- Scratch paper provided by testing center
- Results provided immediately after completing exam
If You Don't Pass
- Wait Time: 24 hours before retaking
- Retake Fee: Full exam fee required for each attempt
- No Limit: Massachusetts has no limit on retake attempts
- Study More: Review weak areas before retaking
Massachusetts Division of Insurance
The Massachusetts Division of Insurance regulates the P&C insurance industry:
| Function | Description |
|---|---|
| Regulatory Authority | Part of the Division of Insurance under the Executive Office of Housing and Economic Development |
| Commissioner | Appointed by the Governor |
| Rate Approval | Prior approval required for most P&C rates |
| Consumer Protection | Handles complaints, investigates violations |
| Licensing | Issues and regulates producer licenses |
| Market Conduct | Examines insurer business practices |
Division of Insurance Contact:
- Website: mass.gov/doi
- Phone: (617) 521-7794
- Consumer Hotline: (877) 563-4467
Next Steps After Licensing
Once you pass your exams:
- Complete Fingerprinting: Background check required for license application
- Submit License Application: Apply through NIPR or directly to Massachusetts DOI
- Get Appointed: Obtain company appointments to sell insurance
- Complete Continuing Education: 60 hours every 2 years to maintain license
Ready to Start?
Let's dive into Chapter 1: Massachusetts P&C Insurance Regulation & Licensing to begin your exam preparation!
Remember: This content is 100% FREE. Use AI assistance whenever you get stuck—click "Ask AI" buttons throughout this guide or use the floating AI helper at the bottom right of your screen.