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 ME-PC exam has 157 questions and runs 3 hours 30 minutes.
These 10 free ME-PC questions are organized by exam domain, so you can see how each part of the Maine Property & Casualty Insurance Producer Exam blueprint is tested. Reveal the answer and explanation under each question.
A condominium association's declaration assigns each unit owner responsibility for built-in cabinets, flooring, interior improvements, personal property, and loss assessments. Which homeowners form is designed for this exposure?
Correct answer: C - HO-6 Unit-Owners
Twelve hours after a covered fire closes a bakery, the owner rents another commercial kitchen to keep filling orders. The policy applies a 72-hour waiting period to Business Income but allows Extra Expense to begin immediately. Which coverage addresses the added rental cost?
Correct answer: A - Extra Expense, because necessary added costs can begin without the Business Income waiting period
Rapid surface-water runoff temporarily inundates three acres of normally dry land, including an insured home, but no second property. Under the National Flood Insurance Program flood definition, which fact controls?
Correct answer: D - Inundation of at least two acres is independently sufficient
A commercial building is valued at $800,000 and has an 80% coinsurance requirement. The insured carries $480,000, sustains a $160,000 covered partial loss, and has a $5,000 deductible. What amount is payable?
Correct answer: B - $115,000
Forty percent of a commercial building remains in use by its owner for customary operations, while 60% has been empty for 90 consecutive days. How does the standard commercial-property vacancy condition apply?
Correct answer: B - The building is not vacant because owner use exceeds the 31% threshold
During appraisal of a covered property loss, each party selects a competent impartial appraiser, and the appraisers select an umpire. When the appraisers disagree, what establishes the amount of loss?
Correct answer: D - A written agreement signed by any two of the three
The named insured intentionally causes a fire, so the owner's claim is barred. An innocent mortgagee pays any premium due on demand and submits the required proof of loss. Under a standard mortgage clause, which result is most accurate?
Correct answer: A - The mortgagee may retain coverage; the insurer may acquire the mortgagee's recovery rights after payment
A claims-made CGL policy is in force throughout 2026 with a January 1, 2024 retroactive date. The injury occurred December 20, 2023, and the claim was first made and reported in June 2026. What controls the coverage determination?
Correct answer: C - The injury predates the retroactive date, so the stated trigger is not met
Employees of a landscaping company sometimes use their own cars on company errands. The company wants Business Auto liability for that exposure, but not for autos it hires or rents. Which covered-auto symbol fits?
Correct answer: D - Symbol 9 - Nonowned autos
Payroll audit data show $600,000 of exposure, a workers' compensation class rate of $2.50 per $100 of payroll, and an experience modification factor of 1.20. Before other adjustments, which result is correct?
Correct answer: A - $18,000; the 1.20 factor is a debit modification
The ME-PC exam also covers these domains. Drill them in the full free practice test:
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