Texas P&C Insurance License Exam Prep

• ▸ What the Exam Contains, Two Portions, 145 Questions, and Two Hours Thirty Minutes
• ▸ The Eight Content Areas of the Official Outline, and Why Texas Law Gets Half the Preparation
• ▸ How a Scaled Score of 70 Works, and What Your First Diagnostic Tells You
• ▸ Three Study Calendars for Working Adults, Ten Weeks, Six Weeks, and a Two-Week Sprint
• ▸ How to Work Through This Book, Review Chapters, Drill Sets, Practice Exams, and the Explained Key

• ▸ Reading the Stem Before the Options, The Item Shapes You Will Meet in Both Portions
• ▸ Why Wrong Answers Look Right, Absolutes, Half-True Statements, and the Right Answer to a Different Question
• ▸ Two Passes Through 145 Questions, Flagging, Pacing, and What to Do When the Clock Runs Short
• ▸ Exam Day Logistics, Confirming Appointment Details, Identification, and Test Center Rules

• ▸ The Dwelling Policy, The Three Forms, the Perils Each One Names, and When a Stem Reaches for One
• ▸ Homeowners Section I, Coverages A through D and How the Property Limits Stack
• ▸ Homeowners Section II, Personal Liability, Medical Payments to Others, and the Insured's Duties After a Loss
• ▸ Named Peril versus Open Peril, Which Losses Are Covered and Which Exclusions Follow
• ▸ Homeowners Endorsements That Change the Answer, Replacement Cost, Water Backup, Business Property, and Scheduled Items

• ▸ Commercial Property Coverage Forms, Building, Business Personal Property, and Personal Property of Others
• ▸ Causes of Loss Forms, Basic, Broad, and Special, and How the Burden of Proof Moves
• ▸ Coinsurance and Valuation on Commercial Property, The Two Calculations Behind Most Commercial Items
• ▸ Business Income and Extra Expense, The Period of Restoration and the Extended Period of Indemnity
• ▸ Inland Marine, Ocean Marine, and the Businessowners Policy, When Property Moves or One Package Fits

• ▸ Pure versus Speculative Risk, and the Ways Insurers Retain, Transfer, and Reduce It
• ▸ Perils and Hazards, Physical, Moral, and Morale, and How Each Appears in a Question Stem
• ▸ Insurable Interest, Indemnity, and Utmost Good Faith, The Doctrines Behind Claim Decisions
• ▸ Insurers, Producers, and Agency, Express, Implied, and Apparent Authority Worked Through Examples
• ▸ Underwriting and Rate Making, Adverse Selection, Loss Costs, and What Makes a Risk Eligible

• ▸ The Four Working Parts of a Policy, Declarations, Insuring Agreement, Conditions, and Exclusions
• ▸ What Makes an Insurance Contract Valid, Offer, Acceptance, Consideration, and Legal Purpose
• ▸ Five Characteristics That Separate Insurance from Other Contracts, Adhesion, Aleatory, Unilateral, Conditional, Personal
• ▸ Representations, Concealment, and Warranties, What Voids Coverage and What Merely Reduces a Claim
• ▸ Waiver, Estoppel, Subrogation, and Ambiguity, How Policy Language Is Read When the Parties Disagree

• ▸ Commercial General Liability, Premises, Operations, Products, Completed Operations, and the Occurrence Trigger
• ▸ Personal and Commercial Auto, The Covered Auto Question, Covered Symbols, and Who Qualifies as an Insured
• ▸ The Auto Coverages That Decide Most Items, Liability, Medical Payments, Uninsured Motorist, and Physical Damage
• ▸ Workers Compensation and Employers Liability, Exclusive Remedy, Statutory Benefits, and the Classification Question
• ▸ Federal Compensation Acts, The Jones Act, the Longshore and Harbor Workers' Act, and the Federal Employers Liability Act

• ▸ Surety Bonds, Contract, License and Permit, Judicial, and Public Official, and How Suretyship Differs from Insurance
• ▸ Fidelity Bonds and Commercial Crime, Employee Dishonesty, Discovery versus Loss-Sustained Forms
• ▸ Umbrella and Excess Liability, Following Form, Self-Insured Retentions, and the Drop-Down Question
• ▸ Federal and Specialty Programs, Flood, Earthquake, Residual Markets, and Boiler and Machinery

• ▸ Negligence Element by Element, Duty, Breach, Proximate Cause, and Damages
• ▸ Defenses to Negligence, Contributory, Comparative, Assumption of Risk, and Last Clear Chance
• ▸ Liability Beyond Negligence, Absolute, Strict, Vicarious, and Attractive Nuisance
• ▸ Damages the Exam Names, Compensatory, General, Special, and Punitive
• ▸ Bodily Injury, Personal and Advertising Injury, Occurrence, and Aggregate, Terms That Decide Liability Items

• ▸ Liability Conditions, Notice, Cooperation, Voluntary Payments, and the Insurer's Right to Settle
• ▸ Limits of Liability, Per Person, Per Occurrence, Aggregate, and How They Apply Together
• ▸ Exclusions That Repeat Across Casualty Forms, Intentional Acts, Business Pursuits, Aircraft, Watercraft, and Vehicles
• ▸ Endorsements in Casualty Policies, Additional Insureds, Waiver of Subrogation, and Primary and Noncontributory Wording

• ▸ Lines of Authority and License Types, What a Texas General Lines Producer May and May Not Sell
• ▸ Getting Licensed in Texas, The Application, the Qualification Requirement, and the Background Check
• ▸ Renewal, Continuing Education, and Reinstatement, Keeping a Texas License Active
• ▸ Appointments and Terminations, The Producer, the Agency, and the Insurer Under Texas Rules
• ▸ Producer Compensation, Commissions, Referral Fees, and Who May Share in Them

• ▸ Unfair Trade Practices, Misrepresentation, Twisting, Churning, and False Advertising
• ▸ Unfair Discrimination, Rebating, Coercion, Boycott, and Illegal Inducement
• ▸ Duties to the Client, Premium Handling, Record Keeping, and the Producer's Standard of Care
• ▸ Examinations, Investigations, Penalties, and Administrative Hearings, The Enforcement Path

• ▸ Policy Delivery and Required Provisions, What a Texas Property and Casualty Policy Must Contain
• ▸ Cancellation, Nonrenewal, and Refunds, The Notice Rules and the Time Frames TDI Sets
• ▸ Claims Handling in Texas, Prompt Payment, Claim File Requirements, and the Adjuster's Duties
• ▸ The Texas Workers' Compensation System, Subscriber Status, Employer Duties, and the Network Question
• ▸ Windstorm and Coastal Coverage, The Texas Windstorm Insurance Association and the Residual Market
• ▸ Personal Auto and Dwelling in Texas, Financial Responsibility, Required Coverages, and Required Offers

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