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 WA-PC exam has 150 questions and runs 3 hours 15 minutes.
These 10 free WA-PC questions are organized by exam domain, so you can see how each part of the Washington Property & Casualty Insurance Producer Exam blueprint is tested. Reveal the answer and explanation under each question.
Rapid surface-water runoff temporarily inundates an insured residence and a neighboring property, satisfying the NFIP definition of flood. The homeowner purchased NFIP building coverage but declined contents coverage. Floodwater ruins $20,000 of furniture. How does the NFIP policy respond to the furniture loss?
Correct answer: A - No payment; contents coverage was not purchased
A Washington insurer signs an agency contract with a producer on June 12. The producer had already submitted the first insurance application for that insurer on June 5. Which appointment-filing deadline applies?
Correct answer: D - Within 15 days after the earlier event
A Washington insured earns $1,000 per week and selected the minimum PIP plan. After the statutory waiting period, another disability plan pays $700 for one week. The PIP income benefit is otherwise payable. Because combined weekly benefits cannot exceed 85% of work income and minimum PIP is capped at $200 per week, what is the most PIP may pay for that week?
Correct answer: D - $150
A Washington producer wants to thank a client for a referral. The client has received no other referral compensation from the producer during the preceding 12 months. Which arrangement is permitted?
Correct answer: B - Give $80 of merchandise regardless of whether the person applies for or buys insurance
A producer's agency contract expressly denies binding authority. Nevertheless, the insurer repeatedly honors the producer's unauthorized binders, supplies insurer-branded binding forms, and never corrects the public impression that the producer can bind coverage. An applicant who is unaware of the restriction reasonably relies on the insurer's conduct. From the applicant's perspective, which type of authority is implicated?
Correct answer: C - Apparent authority
An insurer reports $720,000 of incurred losses and loss-adjustment expenses, $900,000 of earned premium, $225,000 of underwriting expenses, $900,000 of written premium, and $80,000 of investment income. What does the combined ratio indicate?
Correct answer: C - 105%, an underwriting loss of 5 percentage points
An unendorsed HO-3 insures a dwelling and ordinary household contents. A container of solvent is accidentally knocked over, staining an interior wall and a sofa. Assume the event is sudden, accidental, and not excluded, but the cause is not one of the named personal-property perils. Which loss is covered?
Correct answer: B - The wall, but not the sofa
A driver carries both collision and other-than-collision coverage. The covered auto strikes a deer on a rural highway, and no exclusion applies. Under the Personal Auto Policy, the damage is classified as:
Correct answer: A - Other-than-collision loss
A consulting firm owns no vehicles. It rents a van from a rental company for a trade show and also has employees use their personal cars for occasional business errands. The declarations will use the specific Business Auto liability symbols for each exposure rather than Symbol 1. Which pair is appropriate?
Correct answer: C - Symbols 8 and 9
A claims-made CGL policy runs from January 1, 2026, through January 1, 2027, with a retroactive date of January 1, 2024. Bodily injury occurred on November 15, 2023, and the claim was first made on June 1, 2026. The insured had no prior knowledge of the injury. Which conclusion is correct?
Correct answer: B - No coverage; the injury predates the retroactive date
The WA-PC exam also covers these domains. Drill them in the full free practice test:
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