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 LA-PC exam has 150 questions and runs 2 hours 40 minutes.
These 10 free LA-PC questions are organized by exam domain, so you can see how each part of the Louisiana Property & Casualty Insurance Producer Exam blueprint is tested. Reveal the answer and explanation under each question.
During a homeowners renewal, a producer falsely says the existing policy will pay nothing for any roof loss, omits its actual wind coverage, and uses the misleading comparison to persuade the client to replace it with another insurer's policy. Which unfair trade practice is most directly involved?
Correct answer: B - Twisting
Under Louisiana law effective July 1, 2026, an insurer sends a commercial insured an otherwise valid nonrenewal notice 45 days before policy expiration. No shorter statutory exception applies. What is the most accurate result?
Correct answer: C - The existing policy terms continue until 60 days after the notice was given
A Louisiana insurer inspected a rental house, set a $240,000 valuation for premium purposes, and issued fire coverage on that amount. A covered fire later causes a total loss. The property is qualifying immovable property, the owner's insurable interest is at least $240,000, and no statutory exception or alternative loss-computation method applies. Under Louisiana's Valued Policy Law, what is the starting payment rule?
Correct answer: A - Pay the $240,000 stated valuation, subject to the policy limit and law
A general contractor receives a certificate of insurance naming it only as a certificate holder. The subcontractor's CGL policy contains no additional-insured endorsement. The subcontractor later causes a liability loss. What status does the certificate alone give the contractor?
Correct answer: D - No insured status; the policy or an endorsement must grant it
A homebuyer obtains an NFIP policy in connection with a lender's new mortgage loan. Closing is scheduled in five days. How does the standard NFIP waiting-period rule apply?
Correct answer: B - The 30-day waiting period does not apply to this mortgage transaction
An insurer lists a producer in its public agent directory, supplies branded applications, and permits the producer to collect initial premiums. The agency contract privately forbids binding a particular class of risk, but an applicant reasonably has no notice of that restriction. Which form of authority governs the applicant's reasonable belief that the producer can bind coverage?
Correct answer: A - Apparent authority
A commercial building has a replacement value of $800,000 and an 80% coinsurance requirement. The insured carries $480,000 of insurance. A covered partial loss is $160,000, and the deductible is $2,000. Assuming standard coinsurance settlement, what amount is payable?
Correct answer: B - $118,000
A Louisiana premises-liability action is governed by the comparative-fault rule effective January 1, 2026. The claimant's damages are $200,000, and the claimant is found 45% at fault. Which outcome follows?
Correct answer: C - $110,000, because the award is reduced by the claimant's 45% fault
An insurer reports a 67% loss ratio and a 38% expense ratio, producing a 105% combined ratio. Investment income is not part of that measure. How should the result be interpreted?
Correct answer: B - An underwriting loss before investment income
A landlord wants coverage for a one-family rental dwelling that provides open-peril protection on the building, broad named-peril coverage on the landlord's personal property, and fair rental value after a covered loss. Which form matches that request?
Correct answer: C - DP-3 Special
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