Which commercial crime insuring agreement covers loss caused by an employee's dishonest acts?

Inside the Premises - Robbery or Safe Burglary

A broker places a commercial risk with an unauthorized insurer only because its rate is lower than admitted insurers would accept. This is:

Allowed for any commercial risk

Allowed with the insured's consent

Allowed if the broker certifies it

Washington's overinsurance law bars requiring property insurance above the property's fair value, which it defines as:

Replacement cost less depreciation

Replacement cost without depreciation

Directors and officers liability insurance covers:

Wrongful acts in managing the company

Theft of company funds by officers

Bodily injury that occurs in the boardroom

Defects in the company's products

Free Washington Property & Casualty Practice Exam 2026

150 questions checked against Washington law and weighted like the state exam. Free to start, no account needed.

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The Washington property and casualty insurance exam at a glance

Tigertest's Washington practice has 150 questions with explanations: one full-length practice exam and 4 training sets, free to start with no account required.

Regulator: Washington Office of the Insurance Commissioner (OIC), an elected commissioner (RCW 48.02.010)
Vendor: PSI Services LLC, at 10 Washington test centers or by remote proctoring
Candidate handbook: "Washington Office of the Insurance Commissioner Insurance License Examination Candidate Information Bulletin", PSI, last revised 8/3/2026
Exam: Property and Casualty Producer Combo: 150 questions, 195 minutes (Property alone 100 in 150 min; Casualty alone 100 in 150 min; Personal Lines 100 in 135 min)
Content outline: "Washington Property and Casualty Producer, 150 Items - 195 Minutes", effective 4/1/2026
State portion: 45 items "Washington Laws, Rules, and Regulations" plus 2 items Federal Laws (18 USC 1033/1034, NFIP flood education)
Scoring: One exam, one score; "You must get 70% correct to pass"
Pretest items: One to ten unscored experimental items, about 10 percent
Retakes: No same-day rebooking; retest as soon as two days later, space permitting

Facts checked against official sources on 2026-10-18. Source-checked practice on the PSI Washington property and casualty outline (April 2026). Not affiliated with the Washington OIC or PSI; confirm rules in official Washington OIC materials. Official source

How the Washington practice works

Four sets with 150 source-checked questions for Washington, general topics and Washington law. Missed questions come back until you master them.

Set 1: Basics, Underwriting & Policy Provisions

63 questions · 42% of the practice exam

Set 2: Dwelling & Homeowners

21 questions · 14% of the practice exam

Set 3: Personal Auto

32 questions · 21% of the practice exam

Set 4: Commercial Lines & Other Coverages

34 questions · 23% of the practice exam

Full-length practice exam: 150 questions, 70% to pass

Insurance Basics & Underwriting40
Personal Auto32
Policy Provisions & Conditions23
Dwelling & Homeowners21
Commercial Property & BOP14
Commercial Liability & Workers Comp13
Flood, Surety & Other Coverages7

Washington property and casualty insurance exam sample questions and answers

6 of the 150 practice questions, one from each topic, with the answer explained.

1. A driver who in good faith cannot buy auto liability insurance through ordinary methods may get it through:
- A.Any surplus line broker
- B.The assigned risk plan
- C.The FAIR plan
- D.The guaranty association
Answer: B. RCW 48.22.020 requires a commissioner-approved plan that apportions such applicants among all insurers writing auto liability in the state. The FAIR plan is for property, not auto, and the guaranty association pays insolvent insurers' claims.
2. Which commercial crime insuring agreement covers loss caused by an employee's dishonest acts?
- A.Forgery or Alteration
- B.Computer Fraud
- C.Inside the Premises - Robbery or Safe Burglary
- D.Employee Theft
Answer: D. Employee theft, formerly employee dishonesty, covers theft of money, securities and other property by employees. The other agreements respond to outsiders.
3. A broker places a commercial risk with an unauthorized insurer only because its rate is lower than admitted insurers would accept. This is:
- A.Prohibited by surplus line law
- B.Allowed for any commercial risk
- C.Allowed with the insured's consent
- D.Allowed if the broker certifies it
Answer: A. RCW 48.15.040(3) bars procuring coverage from an unauthorized insurer to get a lower premium rate than an authorized insurer would accept, or any other competitive advantage. Surplus lines are for risks the admitted market will not take.
4. Washington's overinsurance law bars requiring property insurance above the property's fair value, which it defines as:
- A.Market value of land and house
- B.The unpaid mortgage balance
- C.Replacement cost less depreciation
- D.Replacement cost without depreciation
Answer: C. RCW 48.27.010 defines fair value as the cost of replacement less applicable depreciation and bars requiring or knowingly placing insurance above it. RCW 48.27.020 separately allows replacement cost coverage by endorsement.
5. Directors and officers liability insurance covers:
- A.Theft of company funds by officers
- B.Bodily injury that occurs in the boardroom
- C.Wrongful acts in managing the company
- D.Defects in the company's products
Answer: C. D&O covers claims against corporate directors and officers for wrongful acts in managing the company, protecting their personal assets from shareholder and regulatory suits. Bodily injury and products claims are CGL matters, and theft by officers is a crime coverage.
6. An applicant disagrees with a Washington FAIR plan decision. The applicant may appeal first to:
- A.The plan's governing committee
- B.The county superior court
- C.The state guaranty association
- D.The servicing producer
Answer: A. WAC 284-19-120 gives applicants and insurers a written appeal to the committee, which decides within fifteen business days, and the committee's decision may then be appealed to the commissioner.

Washington property and casualty insurance exam practice: common questions

How many questions are in the Washington practice exam?

150. They make one full-length practice exam and 4 training sets by content area. Full-length practice exam: 150 questions, 105 general and 45 Washington.

What score do I need on the Washington practice exam?

The practice exam passes at 70 percent, the line Tigertest uses for Washington. A practice score does not predict your result on the real exam, so use it to find the content areas to drill.

Does this cover Washington law?

Yes. National questions were checked against Washington law, and the Washington-only questions cover the state's own statutes and rules. Source-checked practice on the PSI Washington property and casualty outline (April 2026). Not affiliated with the Washington OIC or PSI; confirm rules in official Washington OIC materials.

Is the Washington property and casualty insurance exam practice free?

It is free to start with no account. The full-length practice exam and every training set but the last are free; the final set, Commercial Lines & Other Coverages, is part of Tigertest Premium, a one-time purchase with no subscription that also covers every other exam on Tigertest.

I am testing in another state. What should I use?

Tigertest has 13 state versions of this exam. For any other state, use the national practice, which covers the general portion that is the same wherever you test.

Other states and the national practice

Practice only. Not affiliated with any state regulator, PSI, Pearson VUE or Prometric, and a practice score does not predict your exam result.

Ready for the Washington property and casualty insurance exam?

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