10 exam-style questions with answers and explanations, straight from our 1,030-question bank. Tap an answer to check yourself. When you're ready, take the scored version in the free practice test.
These 10 free NJ-PC questions are organized by exam domain, so you can see how each part of the New Jersey Property & Casualty Insurance Producer Exam blueprint is tested. Reveal the answer and explanation under each question.
An owner-occupant wants open-peril coverage on the dwelling and other structures but is comfortable with named-peril coverage on personal property. Which standard homeowners form most closely matches that request?
Correct answer: B - HO-3 Special Form
A consulting firm wants Business Auto liability coverage for vans it rents, but not for employees' personal autos and not for every auto. The narrowest covered-auto symbol for this exposure is:
Correct answer: A - Symbol 8 - Hired Autos Only
A competitor sues a retailer, alleging that the retailer used the competitor's advertising slogan in an online advertisement without permission. No bodily injury or property damage is alleged. Under a standard CGL policy, coverage analysis should begin under:
Correct answer: D - Coverage B - Personal and Advertising Injury Liability
A covered fire closes a bakery for eight weeks. The bakery loses $70,000 of net income, continues $30,000 of normal operating expenses, and spends $12,000 to rent temporary ovens that reduce the shutdown. Calculate the Business Income amount before Extra Expense is considered.
Correct answer: C - $100,000
At closing time, an intruder threatens a cashier with a knife and forces the cashier to open the store safe. Classify the taking under commercial crime terminology.
Correct answer: A - Robbery
A commercial building has a replacement value of $800,000, an 80% coinsurance requirement, a $400,000 limit, a $2,000 deductible, and a covered partial loss of $160,000. No other limit or valuation provision changes the result. Determine the insurer's payment.
Correct answer: C - $98,000
After a covered hail loss, the insurer and insured agree that the roof is covered but disagree whether the damage is $32,000 or $55,000. The appraisal panel can determine:
Correct answer: A - The amount of the covered roof loss
A New Jersey policyholder properly requests access to recorded personal information. The insurer plans to respond in 30 calendar days and identify disclosures made during the preceding 12 months. What two corrections are required?
Correct answer: C - 30 business days and a two-year lookback
A New Jersey insurer's agency contract with a producer is executed on March 4, but the producer submitted the first insurance application on March 1. The 15-day appointment-filing clock began with:
Correct answer: C - The March 1 submission of the first application
A New Jersey driver purchasing a policy in September 2026 wants the Standard Policy at the current minimum liability limits rather than a Basic Policy or SAIP. Identify the package consistent with that choice.
Correct answer: B - 35/70/25 liability with PIP and UM/UIM no higher than liability
The NJ-PC exam also covers these domains. Drill them in the full free practice test:
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