Massachusetts Property & Casualty Insurance License Exam Overview
The Massachusetts Property & Casualty Insurance License Exam is administered by Prometric on behalf of the Massachusetts Division of Insurance (DOI). Massachusetts has a unique insurance environment with regulated auto insurance rates and significant coastal property exposure along its extensive shoreline.
Passing this exam qualifies you to sell property insurance, auto insurance, liability coverage, and related products throughout Massachusetts—a state with nearly 7 million residents and a strong economy centered around Boston, with unique coastal risks and one of the nation's most regulated auto insurance markets.
Exam Format at a Glance
| Component | Details |
|---|---|
| Total Questions | 150 multiple-choice |
| Scored Questions | 150 |
| Time Limit | 2 hours |
| Passing Score | 70% (105 correct answers) |
| Testing Vendor | Prometric |
| Exam Fee | $54 |
| Pre-licensing Education | 40 hours required |
Why Get P&C Licensed in Massachusetts?
- Strong economy — Boston metro is a major financial and tech hub
- High insurance penetration — Affluent population with significant assets
- Unique auto market — Regulated rates create specialized knowledge needs
- Coastal exposure — Nor'easters and hurricanes affect property coverage
- Competitive compensation — Average P&C agent salary over $70,000
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Key Topics Covered on the Exam
1. Property Insurance (30%)
Homeowners Insurance:
- HO-2, HO-3, HO-4, HO-5, HO-6, HO-8 policy forms
- Coverage A (Dwelling), B (Other Structures), C (Personal Property)
- Coverage D (Loss of Use), E (Personal Liability)
- Dwelling fire policies
Massachusetts-Specific Property Topics:
- Massachusetts FAIR Plan (residual market)
- Coastal property coverage
- Nor'easter and winter storm coverage
- Ice dam and snow load coverage
- Wind/hail deductibles
- Flood insurance considerations (coastal areas)
Commercial Property:
- Building and personal property coverage forms
- Business income coverage
- Equipment breakdown
- Inland marine coverage
2. Liability Insurance (30%)
Personal Liability:
- Homeowners liability (Coverage E)
- Personal umbrella policies
- Medical payments coverage
Commercial Liability:
- Commercial General Liability (CGL)
- Products and completed operations
- Professional liability (E&O)
- Workers' compensation requirements
Massachusetts Workers' Compensation:
- Required for all employers (even 1 employee)
- Massachusetts Workers' Compensation Rating and Inspection Bureau
- Competitive state (private market)
- Strict employer requirements
3. Auto Insurance (25%)
Massachusetts Auto Insurance Requirements:
| Coverage | Minimum Limit |
|---|---|
| Bodily Injury (per person) | $20,000 |
| Bodily Injury (per accident) | $40,000 |
| Property Damage | $5,000 |
| Personal Injury Protection (PIP) | $8,000 |
| Uninsured Motorist | $20,000/$40,000 |
Additional Auto Topics:
- Personal Auto Policy (PAP) coverage parts
- Massachusetts managed competition system
- Safe Driver Insurance Plan (SDIP)
- Merit rating system
- SR-22 requirements
- Commercial auto insurance
- No-fault insurance system
4. Massachusetts Insurance Code and Regulations (10%)
Massachusetts General Laws Chapter 175 Key Provisions:
- Producer licensing requirements
- Unfair trade practices
- Unfair claims settlement practices
- Policy cancellation and nonrenewal rules
- Advertising guidelines
Licensing Requirements:
- Pre-licensing education: 40 hours
- Continuing education: 24 hours every 2 years
- Ethics requirement: 2 hours included in CE
- Background check required
5. Ethics and Professional Conduct (5%)
- Fiduciary duties to insureds
- Premium handling requirements
- Claims reporting obligations
- Privacy and confidentiality
Study Timeline for Success
| Week | Focus Area | Hours |
|---|---|---|
| Week 1-2 | Property insurance fundamentals | 12-14 |
| Week 2-3 | Liability insurance | 12-14 |
| Week 3-4 | Auto insurance and MA requirements | 12-14 |
| Week 4-5 | Massachusetts regulations (Ch. 175) | 8-10 |
| Week 5-6 | Practice exams and review | 12-14 |
Total recommended study time: 55-65 hours
Free Practice Questions Available
Test your knowledge with hundreds of free practice questions designed specifically for the Massachusetts P&C exam.
Massachusetts-Specific Exam Tips
1. Know Massachusetts Auto Minimums
Massachusetts requires 20/40/5 liability coverage plus PIP:
- $20,000 per person bodily injury
- $40,000 per accident bodily injury
- $5,000 property damage
- $8,000 Personal Injury Protection (PIP)
2. Master the Safe Driver Insurance Plan (SDIP)
Massachusetts uses a merit rating system:
- SDIP credits — Safe drivers get discounts
- SDIP surcharges — At-fault accidents and violations increase premiums
- Step system — Points accumulate over time
- Managed competition — Rates are regulated but competitive
3. Understand Coastal Property Coverage
Massachusetts has extensive coastal exposure:
- Nor'easters and winter storms
- Hurricane and tropical storm risk
- Massachusetts FAIR Plan for high-risk properties
- Wind/hail deductibles common in coastal areas
4. Key Numbers to Remember
| Topic | Massachusetts Requirement |
|---|---|
| Auto minimums | 20/40/5 |
| PIP minimum | $8,000 |
| WC threshold | All employers |
| Pre-licensing | 40 hours |
| CE requirement | 24 hours/2 years |
| Passing score | 70% |
Common Mistakes to Avoid
- Forgetting PIP requirements — Massachusetts is a no-fault state
- Not understanding SDIP — Merit rating affects all auto policies
- Ignoring coastal exposures — Major property concern in MA
- Not knowing auto minimums — Massachusetts is 20/40/5
- Not practicing timed exams — 2 hours for 150 questions
- Cramming last minute — Spread study over 5-6 weeks
After Passing Your Exam
- Apply for license through Massachusetts Division of Insurance portal
- Complete background check — Required for all applicants
- Pay license fee — $50 for resident license
- Affiliate with insurer — Get appointed by carrier
- Maintain CE compliance — 24 hours every 2 years
- Begin selling — Your license is valid for 2 years
2026 Massachusetts Updates
For 2026, be aware of:
- Auto insurance rate adjustments under managed competition
- SDIP changes and updates
- Coastal property coverage modifications
- Enhanced consumer protection regulations
Start Your Massachusetts P&C Insurance Career Today
The Massachusetts P&C license opens doors to one of the nation's most affluent insurance markets. With proper preparation, you can pass the exam on your first attempt.
Our free study materials include:
- Complete topic coverage
- Practice questions with explanations
- Massachusetts-specific regulations (Chapter 175)
- Study guides and summaries
- AI-powered study assistance
Don't pay for expensive prep courses when everything you need is available FREE.