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 DE-PC exam has 216 questions and runs 4 hours 30 minutes.
These 10 free DE-PC questions are organized by exam domain, so you can see how each part of the Delaware Property & Casualty Insurance Producer Exam blueprint is tested. Reveal the answer and explanation under each question.
A buyer will occupy a condominium unit. The association's master policy covers the common elements and exterior structure, while the buyer needs coverage for personal property, interior building items she must insure, loss assessment, and personal liability. Which homeowners form is designed for her exposure?
Correct answer: B - HO-6 Unit-Owners
A commercial property form states that after more than 60 consecutive days of vacancy, vandalism, sprinkler leakage, glass breakage, water damage, and theft are excluded, while payment for other covered causes is reduced by 15%. The building has been vacant for 74 days when lightning damages it. How does the vacancy condition apply?
Correct answer: C - Reduce the covered payment by 15%
A restaurant's policy contains separate Business Income and Extra Expense coverages. After a covered fire, the restaurant rents a temporary kitchen so it can continue catering and reduce its income loss. Which coverage is designed most directly to reimburse the temporary-kitchen rental?
Correct answer: A - Extra expense coverage
An eligible homeowner applies and pays for a National Flood Insurance Program policy on June 1. The purchase is not connected with a loan closing or a flood-map revision. A flood damages the home on June 24. Under the standard 30-day waiting period, what is the coverage result?
Correct answer: D - Not covered; the 30-day waiting period had not expired
A claims-made Commercial General Liability policy runs from January 1 through December 31, 2026, with a January 1, 2024 retroactive date. Property damage first occurred on June 1, 2025. The insured had no prior knowledge of it, and the claim was first made and reported on April 1, 2026. Assuming all other conditions are satisfied, which conclusion is correct?
Correct answer: B - Yes; the damage followed the retroactive date and the claim was timely made and reported
An employee drives her own car to visit clients for a consulting firm. The firm does not own, lease, hire, rent, or borrow the vehicle. Which Business Auto liability symbol applies to this category of vehicle?
Correct answer: D - Symbol 9 - nonowned autos only
A personal auto policy has split liability limits of 100/300/50: $100,000 bodily injury per person, $300,000 bodily injury per accident, and $50,000 property damage per accident. One covered accident produces bodily injury damages of $140,000, $120,000, and $80,000 to three people, plus $65,000 of property damage. What is the maximum the policy can pay for these damages?
Correct answer: C - $330,000
An employee suffers a deep hand laceration while operating the employer's machine. The supervisor suspects the employee violated a safety rule and wants to delay treatment until compensability is investigated. Under the standard workers compensation policy duties after injury, what should the employer do first?
Correct answer: A - Arrange immediate medical care, then complete notice and cooperation duties
A general contractor completes a project, but covered subcontractors and material suppliers remain unpaid. Which surety bond is intended to protect those claimants?
Correct answer: C - Payment bond
A commercial building is valued at $800,000 and is subject to an 80% coinsurance requirement. The insured carries a $480,000 limit. A covered loss is $100,000, and the deductible is $5,000. The policy applies the coinsurance calculation before the deductible. How much does the insurer pay?
Correct answer: A - $70,000
The DE-PC exam also covers these domains. Drill them in the full free practice test:
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