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.
The TN-PC exam has 154 questions and runs 3 hours 30 minutes.
These 10 free TN-PC questions are organized by exam domain, so you can see how each part of the Tennessee Property & Casualty Insurance Producer Exam blueprint is tested. Reveal the answer and explanation under each question.
An HO-3 insured reports two separate water-damage conditions: months of seepage behind a sink caused rot, and yesterday a supply line suddenly ruptured and damaged previously sound flooring. The policy excludes wear and repeated leakage but otherwise covers sudden accidental discharge. Which adjustment is most consistent with the policy?
Correct answer: C - Cover the sudden resulting floor damage, but exclude the worn pipe and long-term rot
A claims-made CGL policy runs from January 1 through December 31, 2025, with a retroactive date of January 1, 2024. Property damage occurred on December 15, 2023, and the claim was first made on May 1, 2025. There is no prior-acts endorsement. How should the claim be treated?
Correct answer: B - Not covered because the damage occurred before the retroactive date
A commercial building worth $900,000 is insured for $540,000 under an 80% coinsurance clause. A covered fire causes $160,000 in damage, the deductible is $2,000, and the policy limit is otherwise sufficient. How much is payable?
Correct answer: A - $118,000
A personal auto policy has 100/300/50 split limits. In one covered accident, three people sustain bodily injury damages of $140,000, $110,000, and $60,000, while property damage is $80,000. Liability is established and no exclusion applies. What is the maximum total the policy can pay?
Correct answer: D - $310,000
Rapid surface runoff temporarily inundates the insured residence and a neighboring residence, both normally dry, so the event meets the NFIP definition of flood even though fewer than two acres are affected. The insured's loss is confined to the basement. Which item is potentially covered by the flood policy?
Correct answer: B - A freestanding food freezer and the food stored inside it
An employee receives statutory workers' compensation benefits for a covered workplace injury. The employee's spouse then sues the employer for loss of consortium arising from that injury. The spouse's claim belongs most directly under which coverage?
Correct answer: D - Employers Liability Part Two
A commercial building has been vacant for 75 consecutive days when an otherwise covered windstorm damages the roof. Under the standard commercial property vacancy condition, how is the wind loss treated?
Correct answer: A - The loss remains payable, but the covered payment is reduced by 15%
An automobile insurer increases a renewal premium based partly on information in a consumer report. A compliant Fair Credit Reporting Act adverse-action notice must include which information?
Correct answer: C - The agency's contact information, notice that it did not make the decision and cannot explain the insurer's reasons, the dispute right, and the 60-day free-report right
A project owner is shown as the certificate holder on a subcontractor's CGL certificate, but the policy contains no additional-insured endorsement. After the subcontractor causes a covered injury, what does the certificate accomplish for the owner?
Correct answer: B - It evidences the subcontractor's insurance but does not make the owner an additional insured
A homeowner intentionally burns the insured dwelling. The policy contains a standard mortgage clause, and the mortgagee had no knowledge of the act and complied with its premium, proof-of-loss, and known-change duties. Which result follows?
Correct answer: D - The homeowner is barred, but the compliant mortgagee may recover under its separate protection
The TN-PC exam also covers these domains. Drill them in the full free practice test:
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