Standalone Coverage Map

Arkansas Property & Casualty Insurance State

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1 Standalone Coverage Map

Standalone Coverage Map

2 Introduction: Arkansas Property & Casualty Insurance Exam Overview

Arkansas Property & Casualty Exam Overview

3 National Portion: Insurance Fundamentals

1.1 Risk, Hazards, Perils, and the Law of Large Numbers 1.2 Insurable Interest, Indemnity, and Other Insurance Principles 1.3 Insurance Contract Law and Elements 1.4 Policy Structure: Declarations, Insuring Agreement, Conditions, Exclusions 1.5 Parties, Agents vs. Brokers, and Authority

4 National Portion: Property Insurance Concepts

2.1 Causes of Loss / Named-Peril vs. Open-Peril 2.2 Valuation: ACV, Replacement Cost, and Functional Value 2.3 Coinsurance and the Coinsurance Formula 2.4 Deductibles, Limits, and Loss Settlement 2.5 Common Property Policy Conditions and Clauses

5 National Portion: Dwelling Policies (DP)

3.1 Dwelling Policy Forms DP-1, DP-2, DP-3 3.2 Dwelling Coverages A-E and Other Coverages 3.3 Dwelling Perils, Conditions, and Endorsements 3.4 Mobile Home and Specialized Dwelling Coverage

6 National Portion: Homeowners Policies - Forms & Section I

4.1 Homeowners Forms HO-2 through HO-8 and Eligibility 4.2 Section I Coverages A-D and Additional Coverages 4.3 Section I Perils Insured Against and Exclusions 4.4 Replacement Cost vs. ACV and Loss Settlement in Homeowners

7 National Portion: Homeowners Policies - Section II & Endorsements

5.1 Section II Coverages E (Liability) and F (Medical Payments) 5.2 Homeowners Conditions and Duties After Loss 5.3 Common Homeowners Endorsements (scheduled property, water backup, ordinance or law)

8 National Portion: Personal Auto Policy - Liability & Injury

6.1 Personal Auto Policy Structure and Eligibility 6.2 Part A Liability and Supplementary Payments 6.3 Part B Medical Payments 6.4 Part C Uninsured/Underinsured Motorists

9 National Portion: Personal Auto Policy - Physical Damage & Duties

7.1 Part D: Coverage for Damage to Your Auto 7.2 Exclusions and Part E: Duties After an Accident 7.3 Part F: General Provisions, Endorsements, and No-Fault Concepts

10 National Portion: Liability Insurance Concepts

8.1 Negligence, Torts, and Legal Liability 8.2 Defenses, Damages, and Vicarious Liability 8.3 Occurrence vs. Claims-Made Triggers 8.4 Bodily Injury, Property Damage, and Personal/Advertising Injury

11 National Portion: Commercial Property Insurance

9.1 Commercial Package Policy Structure and Common Policy Conditions 9.2 Building and Personal Property Coverage Form (BPP) 9.3 Causes of Loss Forms (Basic, Broad, Special) 9.4 Business Income and Extra Expense 9.5 Commercial Property Endorsements and the BOP

12 National Portion: Commercial General Liability - Coverages

10.1 CGL Coverage A: Bodily Injury and Property Damage Liability 10.2 CGL Coverage B: Personal and Advertising Injury, Coverage C: Medical Payments 10.3 Who Is an Insured and Supplementary Payments

13 National Portion: Commercial General Liability - Limits, Triggers & Exclusions

11.1 CGL Limits of Insurance and Aggregates 11.2 Occurrence vs. Claims-Made CGL and Retroactive Dates 11.3 Key CGL Exclusions and Endorsements

14 National Portion: Commercial Auto Insurance

12.1 Business Auto Coverage Form and Covered Auto Symbols 12.2 Commercial Auto Liability and Physical Damage 12.3 Motor Carrier / Trucking and MCS-90 12.4 Garage Coverage Form and Garagekeepers 12.5 Commercial Auto Endorsements

15 National Portion: Workers Compensation

13.1 Workers Compensation Statutory Background and Benefits 13.2 Part One (Workers Comp) and Part Two (Employers Liability) 13.3 Premium Basis, Experience Modification, and Classification 13.4 Other States, USL&H, and Federal Acts 13.5 Workers Comp Exclusions and Endorsements

16 National Portion: Other Commercial Lines - BOP, Crime & Marine

14.1 Businessowners Policy (BOP) in Depth 14.2 Crime and Fidelity Coverage 14.3 Inland Marine and Nationwide Marine Definition 14.4 Ocean Marine Coverages (Hull, Cargo, Freight, P&I)

17 National Portion: Other Commercial Lines - Specialty & Professional

15.1 Farm and Agricultural Coverage 15.2 Commercial Umbrella and Excess Liability 15.3 Professional Liability and Errors & Omissions 15.4 Directors & Officers and Employment Practices Liability

18 National Portion: Other Commercial Lines - Surety, Flood & Specialty

16.1 Surety and Fidelity Bonds 16.2 National Flood Insurance Program (NFIP) 16.3 Cyber, Aviation, and Other Specialty Lines

19 National Portion: Insurance Regulation & Market Conduct

17.1 State Regulation, Licensing, and the McCarran-Ferguson Act 17.2 Rates, Forms, Solvency, and Guaranty Associations 17.3 Producer Authority, Fiduciary Duty, and Company Operations

20 National Portion: Ethics & Unfair Trade Practices

18.1 Unfair Trade Practices and Unfair Claims Settlement 18.2 Producer Ethics, Errors & Omissions Exposure, and Fiduciary Conduct 18.3 Privacy, Fraud, and Consumer Protection

21 Chapter 1: Arkansas P&C Insurance Regulation & Licensing

1.1 Arkansas Insurance Department 1.2 Arkansas P&C Producer Licensing Requirements 1.3 Arkansas Producer Responsibilities

22 Chapter 2: Arkansas Property Insurance

2.1 Arkansas Homeowners Insurance 2.2 Arkansas Commercial Property Insurance

23 Chapter 3: Arkansas Casualty & Auto Insurance

3.1 Arkansas Auto Insurance Requirements 3.2 Arkansas Liability Insurance 3.3 Arkansas Workers' Compensation Insurance

24 Chapter 4: Arkansas Ethics & Professional Conduct

4.1 Ethical Practices and Consumer Protection

Standalone Coverage Map

Key Takeaways Explain This Topic AI

The Arkansas P&C exam is roughly 70-75% national general-knowledge content and 25-30% Arkansas-specific state law.

National content (definitions, contract elements, coverage structures) transfers between states; Arkansas content (Insurance Department powers, statutory notice periods, guaranty act, minimum auto limits) does not.

Study the chapters in numerical order so national vocabulary is in place before tackling Arkansas statutes.

Arkansas chapters reward memorization of specific numbers and time frames, so use spaced repetition and re-quiz them more often.

Before exam day, run mixed full-length practice tests at the real national-to-state ratio and target 80% or higher.

Last updated: June 2026

How to Use This Coverage Map

The Arkansas Property & Casualty licensing exam is built on a two-part foundation: a national general-knowledge section that every U.S. P&C candidate sees, and an Arkansas state-law section unique to this jurisdiction. Understanding the split before you study is the single biggest efficiency gain available to you. Roughly 70 to 75 percent of the scored content tests general insurance concepts that apply in any state, while the remaining 25 to 30 percent tests Arkansas statutes, the powers of the Arkansas Insurance Department, and Commissioner regulations.

This map shows you exactly where each exam blueprint topic lives in the study guide chapters, so you never have to guess which chapter to open next. Treat it as your table of contents and your progress tracker at the same time.

National Content vs. Arkansas Content

National content is portable. Definitions of insurable interest, the elements of a contract, the difference between named-peril and open-peril coverage, how a deductible interacts with a coinsurance clause, and the structure of a personal auto or homeowners policy do not change when you cross a state line. If you have studied P&C material from any reputable national source, that knowledge transfers directly.

Arkansas content does not transfer. It covers the licensing process administered by the Arkansas Insurance Department, the duties and penalty authority of the Insurance Commissioner, state-specific cancellation and nonrenewal notice periods, the Arkansas Property and Casualty Insurance Guaranty Act, minimum auto liability limits required under Arkansas law, and the producer conduct rules enforced under the Arkansas Insurance Code. These are the items candidates most often underestimate, and they are also the most concentrated source of easy points once memorized.

Blueprint-to-Chapter Map

The table below maps each major exam blueprint domain to the study-guide chapter that covers it and flags whether the content is national or Arkansas-specific.

• Blueprint Domain Study Guide Chapter Scope
• Insurance basics and risk concepts Ch. 1 - Fundamentals National
• Contract law and policy provisions Ch. 2 - Policy Structure National
• Property coverages (dwelling, homeowners) Ch. 3 - Property Lines National
• Casualty coverages (auto, liability) Ch. 4 - Casualty Lines National
• Commercial package and BOP Ch. 5 - Commercial Lines National
• Inland marine and specialty lines Ch. 6 - Specialty Lines National
• Arkansas licensing and producer duties Ch. 7 - AR Licensing Arkansas
• Arkansas Insurance Code and Commissioner Ch. 8 - AR Regulation Arkansas
• AR auto limits, guaranty act, notices Ch. 9 - AR Statutes Arkansas

Work the chapters in numerical order on your first pass. The national chapters build the vocabulary and concepts that the Arkansas chapters assume you already know, so studying state law first leaves you decoding terms instead of learning rules.

Recommended Study Sequence

A disciplined sequence prevents the most common failure pattern: spending all available time on familiar national material and arriving at exam day shaky on Arkansas statutes. Use the following order.

First, complete Chapters 1 and 2 to lock in fundamentals and contract law. These concepts underpin every question and every later chapter. Do not move on until the core definitions feel automatic.

Second, work Chapters 3 through 6, the national coverage lines. Take the end-of-chapter quizzes and review every missed item before advancing. This is where the largest block of scored points lives, so accuracy here pays off the most.

Third, dedicate focused, repeated sessions to Chapters 7 through 9, the Arkansas material. Because state law rewards memorization of specific numbers and time frames, use flashcards and spaced repetition rather than single read-throughs. Re-quiz these chapters more often than the national ones.

Finally, in the week before your exam, run mixed practice tests that blend national and Arkansas items in the same proportion as the real exam. This trains you to switch contexts quickly and reveals any domain still scoring below your target. Aim for a consistent 80 percent or higher across full-length practice attempts before scheduling your test date.

How This Guide's Chapters Line Up With the Exam

The chapter numbers in the table above are a simplified orientation view. In this guide the national material is expanded across many lettered sub-chapters (Fundamentals, Property Concepts, Dwelling, Homeowners, Personal Auto, Liability, Commercial Property, CGL, Commercial Auto, Workers Compensation, Other Commercial Lines, Regulation, and Ethics), followed by the four Arkansas chapters (Regulation and Licensing, Property, Casualty and Auto, and Ethics). Each section ends with quiz questions written in the style PSI uses, so you can measure mastery section by section rather than waiting for a single end-of-guide test.

A Realistic Time Budget

Most candidates need 40 to 60 hours of focused study on top of the required pre-licensing course. A workable plan over four weeks looks like this:

• Week Focus Goal
• 1 Fundamentals and policy structure Definitions automatic; pass section quizzes at 80%
• 2 Property and personal lines (dwelling, HO, PAP) Work every coinsurance and split-limit calculation
• 3 Commercial lines, liability, workers comp Map each ISO form to its exposure
• 4 Arkansas chapters + mixed practice tests Memorize state numbers; simulate exam timing
• Arkansas Numbers to Pre-Load

Before your final week, commit these high-frequency Arkansas figures to memory because they are the cheapest points on the state section: pre-licensing education of 20 hours per line (40 combined); a passing score of 70% on each section ; compulsory auto liability limits of 25/50/25 ; uninsured-motorist coverage that must be offered and can be declined only by written rejection ; continuing education of 24 hours every two years including 3 ethics hours ; and the existence of the Arkansas Property and Casualty Insurance Guaranty Association that backs claims of insolvent admitted insurers.

Carrying these numbers into the exam room turns the state section from a worry into a scoring opportunity, and it lets you spend your test-day energy on the reasoning-heavy national questions.

Sections you finish are checked off in the contents.

• Up Next
• Arkansas Property & Casualty Exam Overview
• Introduction: Arkansas Property & Casualty Insurance Exam Overview