Standalone Coverage Map
Key Takeaways
- The Rhode Island P&C exam splits into a national portion (insurance fundamentals through commercial lines, regulation, and ethics) and a Rhode Island state-law portion.
- Property and Casualty are administered as two separate Pearson VUE exams in Rhode Island; each must be passed at 70%.
- Personal lines (Dwelling, Homeowners, Personal Auto) and commercial lines (CPP, CGL, commercial auto, workers comp, specialty) each carry substantial blueprint weight.
- Rhode Island is a tort/at-fault auto state with mandatory liability limits and an Insurance Verification System, not a no-fault state.
- Use this map to route any blueprint topic to the exact chapter and section that teaches it before drilling into the lessons.
How This Study Guide Is Organized
The Rhode Island Property & Casualty (P&C) producer examination is built on a national content blueprint layered with a Rhode Island state-law portion. This guide mirrors that structure: eighteen national chapters teach the line-of-business and regulatory concepts tested nationwide, and four Rhode Island chapters teach the statutes, rules, and market features specific to the Ocean State.
In Rhode Island, Property and Casualty are delivered as two separate Pearson VUE examinations. You may sit them on the same day, but each is scored independently and each requires a 70% passing score. The national fundamentals (risk, contract law, regulation, ethics) appear on both, while property-specific material loads the Property exam and liability/auto/workers-comp material loads the Casualty exam.
Use the map below to find the chapter that teaches any topic on your candidate bulletin, then study the lessons in order. Every national lesson includes worked numerics and ISO form references; every Rhode Island lesson cites the controlling title of the General Laws.
National Blueprint to Chapter Map
| National blueprint domain | Where it is taught |
|---|---|
| Insurance fundamentals (risk, hazards, perils, LLN, indemnity, insurable interest, contract law, policy structure, agency) | Chapter: National Portion - Insurance Fundamentals (Sections 1.1-1.5) |
| Property concepts (named vs. open peril, ACV/RCV, coinsurance, deductibles, conditions) | National Portion - Property Insurance Concepts (2.1-2.5) |
| Dwelling policies (DP-1/2/3, Coverages A-E, mobile home) | National Portion - Dwelling Policies (3.1-3.4) |
| Homeowners (HO-2 through HO-8, Section I coverages, perils, loss settlement) | National Portion - Homeowners Forms & Section I (4.1-4.4) |
| Homeowners Section II liability, conditions, endorsements | National Portion - Homeowners Section II & Endorsements (5.1-5.3) |
| Personal Auto Policy (structure, Part A-F, UM/UIM, physical damage, no-fault concepts) | National Portion - PAP Liability & Injury (6.1-6.4); PAP Physical Damage & Duties (7.1-7.3) |
| Liability concepts (negligence, torts, defenses, damages, occurrence vs. claims-made, BI/PD/PAI) | National Portion - Liability Insurance Concepts (8.1-8.4) |
National Blueprint Map (continued) and Rhode Island State Portion
| National blueprint domain | Where it is taught |
|---|---|
| Commercial property (CPP, BPP, causes-of-loss forms, business income, BOP) | National Portion - Commercial Property Insurance (9.1-9.5) |
| Commercial General Liability (Coverages A/B/C, who is insured, limits, triggers, exclusions) | National Portion - CGL Coverages (10.1-10.3); CGL Limits, Triggers & Exclusions (11.1-11.3) |
| Commercial auto (BACF, symbols, motor carrier/MCS-90, garage) | National Portion - Commercial Auto Insurance (12.1-12.5) |
| Workers compensation (benefits, Part One/Two, premium, USL&H, federal acts) | National Portion - Workers Compensation (13.1-13.5) |
| Other commercial lines (BOP, crime/fidelity, inland & ocean marine, farm, umbrella, professional/E&O, D&O/EPLI, surety, NFIP, cyber/aviation) | National Portion - Other Commercial Lines (14.1-14.4, 15.1-15.4, 16.1-16.3) |
| Insurance regulation & market conduct (state regulation, McCarran-Ferguson, rates/forms/solvency, producer authority) | National Portion - Insurance Regulation (17.1-17.3) |
| Ethics & unfair trade practices (unfair trade/claims, producer ethics, privacy/fraud) | National Portion - Ethics & Unfair Trade Practices (18.1-18.3) |
| Rhode Island state-law domain | Where it is taught |
|---|---|
| RI regulation & licensing (DBR Insurance Division, producer licensing, continuing education) | Chapter 1: RI Regulation & Licensing (1.1-1.3) |
| RI property (coastal/hurricane risk, RIJRA FAIR plan, property coverage rules) | Chapter 2: RI Property Insurance (2.1-2.3) |
| RI casualty & auto (mandatory limits, financial responsibility, at-fault status, workers comp, liability) | Chapter 3: RI Auto & Casualty Insurance (3.1-3.3) |
| RI ethics & conduct (fiduciary duties, prohibited practices, discipline) | Chapter 4: RI Ethics & Professional Conduct (4.1-4.2) |
A Suggested Study Path
Work the guide roughly in order, but weight your time toward the heaviest-tested areas:
- Lock in fundamentals first (Chapters on Insurance Fundamentals and Property Concepts). Coinsurance, ACV vs. replacement cost, and the parts of a policy underpin every line of business and reappear on both the Property and Casualty exams.
- Master personal lines (Dwelling, Homeowners, Personal Auto). These are high-frequency on the Property and Casualty exams respectively and reward memorizing coverage letters and limits.
- Move to commercial lines (Commercial Property, CGL, Commercial Auto, Workers Comp, specialty). Focus on form names, covered-auto symbols, and occurrence vs. claims-made triggers.
- Finish with regulation and ethics, then the four Rhode Island chapters. The state portion is fact-dense - exact dollar limits, renewal cycles, and statute citations - so study it last and review it close to your test date.
Because this is a navigation section, it has no quiz. Begin with the next chapter, the Rhode Island Exam Overview, then proceed through the national lessons.
Two Exams, One License - Logistics to Remember
Keep the Rhode Island delivery model in mind as you study, because the way the test is split affects how you allocate review time. Property and Casualty are separate Pearson VUE exams, each scored on its own and each requiring 70% to pass.
The Property exam draws on the property-side national chapters (fundamentals, property concepts, dwelling, homeowners Section I, commercial property, BOP, crime, marine, NFIP) plus the Rhode Island property chapter. The Casualty exam draws on the liability-side chapters (homeowners Section II, personal and commercial auto, CGL, workers compensation, umbrella, professional and management liability, surety) plus the Rhode Island auto and casualty chapter.
The fundamentals, regulation, and ethics material appears on both, so mastering the Insurance Fundamentals, Regulation, and Ethics chapters early pays off twice. Finish your preparation with the four Rhode Island state chapters, which are dense with exact dollar limits, renewal cycles, and statute citations best reviewed close to your test date.