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 DC-PC exam has 175 questions and runs 4 hours.
These 10 free DC-PC questions are organized by exam domain, so you can see how each part of the District of Columbia Property & Casualty Insurance Producer Exam blueprint is tested. Reveal the answer and explanation under each question.
A couple owns and occupies an eligible single-family home. They want a standard homeowners form that covers both the dwelling and unscheduled personal property on an open-peril basis, subject to exclusions. The most appropriate form is:
Correct answer: B - HO-5 Comprehensive
A contractor finishes installing a water heater and leaves the jobsite. Two weeks later, defective installation causes a leak that damages the customer's building. How should this exposure be classified under a commercial general liability policy?
Correct answer: A - Products-completed operations
An insurer covers every auto an insured owns, but none has physical-damage coverage. The insured buys an additional private passenger auto, which is damaged by hail on day three. The insured reports the loss and requests coverage that day. How does the standard Personal Auto Policy treat the hail loss?
Correct answer: C - Other-than-collision coverage applies within the 4-day automatic period, commonly with a $500 deductible
A covered fire shuts down a bakery. The bakery rents a temporary kitchen the same day solely to reduce the suspension of operations. Which timing rule applies under standard commercial property time-element coverage?
Correct answer: B - Extra expense may begin immediately; business income generally begins after 72 hours
During an underwriting inspection, the owner says, "I leave the rear door unlocked because any stolen stock is insured." The unlocked door is a physical condition, but the owner's insured-induced indifference is best classified as:
Correct answer: D - Morale hazard
A store negligently leaves a spill unmarked for an hour. A customer sees it, walks around it, and suffers no injury or financial loss. What is the effect of the store's conduct?
Correct answer: D - There is no negligence-damages recovery because legally recognized damages are absent
An errors and omissions policy runs from January 1, 2025, to January 1, 2026, with a January 1, 2023, retroactive date. A covered professional error occurred in June 2024. The insured had no prior knowledge, and the claim was first made and reported in October 2025. Does the claims-made policy respond?
Correct answer: C - Yes; the error followed the retroactive date, and the claim was first made and reported during the policy period
A supply line ruptures in an insured office, and water is still flowing. The affected area can be entered safely. The insured's best immediate response is to:
Correct answer: D - Stop the flow, limit further damage, keep receipts, and give prompt notice
A District producer falsely tells a client that the client's existing policy has no liability protection and uses that statement to induce replacement with a new policy. What prohibited practice has occurred?
Correct answer: A - Twisting
A District insured declined optional personal injury protection and carries no medical-payments coverage. The insured is injured by an identified uninsured driver and is legally entitled to recover compensatory damages. Which first-party coverage is designed for these damages, subject to its limit?
Correct answer: A - Uninsured-motorist bodily injury
The DC-PC exam also covers these domains. Drill them in the full free practice test:
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