100+ Free PA Surplus Lines Practice Questions
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Key Facts: PA Surplus Lines Exam
65-75%
First-Time Pass Rate
Industry Data
70%
Passing Score
PA Insurance Dept
60+
Exam Questions
PSI
80 min
Exam Duration
PSI
$43
Exam Fee
PSI
P&C Required
Prerequisite
PA Insurance Dept
Pennsylvania requires surplus lines brokers to pass a state licensing exam covering E&S markets, diligent search, PA-specific surplus lines law, and tax compliance. Candidates must hold an active P&C license.
About the PA Surplus Lines Exam
The Pennsylvania surplus lines broker exam covers surplus lines markets (Lloyd's, London market, alien insurers), PA Insurance Department regulations, diligent search requirements, the 3% premium tax, non-admitted insurer eligibility, E&S coverages, and NRRA compliance.
Questions
60 scored questions
Time Limit
80 minutes
Passing Score
70%
Exam Fee
$43 (PSI)
PA Surplus Lines Exam Content Outline
Surplus Lines Markets
Lloyd's of London, London market, alien insurers, domestic surplus lines insurers, E&S market structure, and placement procedures
Pennsylvania Surplus Lines Law
PA Insurance Code provisions, Insurance Department regulations, licensing requirements, broker duties, and compliance obligations
Diligent Search & Eligibility
Diligent search process, documentation standards, eligible insurer list, non-admitted insurer qualifications, and NAIC standards
Taxation & Compliance
Pennsylvania 3% surplus lines premium tax, filing requirements, record-keeping, disclosure obligations, and penalties
How to Pass the PA Surplus Lines Exam
What You Need to Know
- Passing score: 70%
- Exam length: 60 questions
- Time limit: 80 minutes
- Exam fee: $43
Keys to Passing
- Complete 500+ practice questions
- Score 80%+ consistently before scheduling
- Focus on highest-weighted sections
- Use our AI tutor for tough concepts
PA Surplus Lines Study Tips from Top Performers
Frequently Asked Questions
What is the passing score for the PA surplus lines broker exam?
The Pennsylvania surplus lines broker exam requires a minimum passing score of 70%. The exam contains 60 scored questions plus pretest items, with an 80-minute time limit.
What are the prerequisites for the PA surplus lines exam?
You must hold an active Pennsylvania Property & Casualty insurance producer license before you can sit for the surplus lines broker exam.
How much does the PA surplus lines exam cost?
The exam fee is $43, paid to PSI at the time of scheduling. Additional license application fees apply separately.
What is the Pennsylvania surplus lines premium tax rate?
Pennsylvania imposes a 3% surplus lines premium tax on gross premiums. The broker is responsible for collecting the tax from the insured and remitting it to the Insurance Department.
Are surplus lines policies covered by the PA guaranty fund?
No. Surplus lines policies in Pennsylvania are not covered by the state guaranty fund. If a non-admitted insurer becomes insolvent, policyholders have no guaranty fund recourse.
What is the diligent search requirement in Pennsylvania?
Before placing a risk with a non-admitted insurer, the broker must document efforts to obtain coverage from at least three admitted insurers. This ensures the surplus lines market is used only when admitted coverage is unavailable.