- How the AR-PC Exam Is Structured
- Domain 1: Multi-Line (P&C) Arkansas Specific Content
- Domains 2-3: Core Insurance and P&C Fundamentals
- Domains 4-6: Dwelling, Homeowners, and Personal Auto
- Domains 7-11: Commercial Lines Coverage
- Domains 12-13: Miscellaneous Coverage and Workers' Comp
- How the Domains Map to Question Counts
- Scheduling Your Prep Around the 13 Domains
- Frequently Asked Questions
- The AR-PC covers 13 domains split across a 125-question general section and a 25-question Arkansas-specific section.
- Domain 1 is entirely Arkansas law and regulation - it cannot be skipped or guessed through.
- The exam totals 150 scored questions plus 10 unscored pretest items in 210 minutes.
- You need 70% overall to pass, and a 90-day permit gives you three attempts.
How the AR-PC Exam Is Structured
The Arkansas Property & Casualty Insurance Producer Exam, administered through PSI Services LLC on behalf of the Arkansas Insurance Department, is not a single undifferentiated test bank. It is organized into 13 distinct content domains, and understanding how those domains fit together is the single most useful thing you can do before you start memorizing policy language. The scored exam consists of 150 multiple-choice questions - 125 covering general property and casualty concepts that would apply in almost any state, and 25 covering Arkansas-specific statutes, rules, and producer obligations. An additional 10 unscored pretest questions are mixed in, so you'll actually answer 160 questions in your 210-minute session, though you won't know which ones are unscored.
A passing score is 70%. There's no separate cutoff for the general portion versus the Arkansas-specific portion - it's one combined score - but candidates who ignore the Arkansas-only domain tend to lose points they can't make up elsewhere. If you want the full mechanics of scoring, our AR-PC Passing Score guide breaks down exactly what 70% means in practice.
Domain 1: Multi-Line (P&C) Arkansas Specific Content Outline
Despite being listed as one domain among 13, this section carries outsized weight because it represents the entire 25-question Arkansas-specific portion of the exam. This is where the test stops being generic insurance theory and starts asking about Arkansas producer licensing rules, statutory definitions, unfair claims practices, and the Arkansas Insurance Department's authority.
Domain 1: Multi-Line (P&C) Arkansas Specific Content Outline
Candidates need working knowledge of state-specific producer duties, license maintenance obligations, and how Arkansas law modifies or supplements the general P&C concepts tested elsewhere on the exam.
- Producer licensing requirements and renewal obligations under Arkansas statute
- Prohibited practices, unfair trade practices, and grounds for license discipline
- Arkansas Insurance Department authority and complaint handling
- State-specific definitions that differ from generic industry terminology
Because this domain is tested exclusively through Arkansas-specific questions, out-of-state study materials that aren't built for this exam can actively mislead you here. This is one of the clearest reasons a dedicated AR-PC Study Guide matters more than a generic P&C cram course.
Domains 2-3: General Insurance Concepts and P&C Basics
Domains 2 and 3 form the conceptual foundation for everything that follows. Domain 2, General Insurance Concepts, covers the vocabulary and legal principles that apply across all lines: insurable interest, indemnity, utmost good faith, the elements of a contract, and how policies are structured (declarations, insuring agreement, conditions, exclusions). Domain 3, Property and Casualty Insurance Basics, narrows that into P&C-specific mechanics - perils versus hazards, direct versus indirect loss, and the basic structure of property and liability coverage.
- Domain 2 focus areas: contract law elements, agency law, insurable interest timing, concealment and misrepresentation, warranties versus representations
- Domain 3 focus areas: named-peril versus open-peril forms, actual cash value versus replacement cost, coinsurance, and liability concepts like negligence and vicarious liability
These two domains are foundational precisely because later domains assume you already understand this vocabulary. If a question about the Homeowners Policy references "open peril," you need Domain 3 fluency to even parse the question correctly.
Domains 4-6: Dwelling Policy, Homeowners, and Personal Auto
This trio covers the personal lines coverage most producers sell every day, which is also why it tends to feel more intuitive to candidates who've had any consumer-facing insurance exposure.
Domain 4: Dwelling Policy Concepts
Covers the DP-1, DP-2, and DP-3 forms, their differences in covered perils, and when a dwelling policy is used instead of a homeowners form.
- Basic form versus broad form versus special form coverage
- Coverage A through D and how they apply to non-owner-occupied dwellings
Domain 5: Homeowners Policy Concepts
Covers HO-2 through HO-6 (and HO-8 conceptually), section I and section II coverages, and common endorsements.
- Liability and medical payments coverage under Section II
- Scheduled versus unscheduled personal property, and common exclusions
Domain 6: Personal Automobile Policy
Covers the PAP structure: liability, medical payments, uninsured/underinsured motorist, and physical damage coverage.
- Who qualifies as an insured under Part A liability coverage
- Differences between comprehensive and collision physical damage coverage
Because these domains build directly on the terminology from Domain 3, candidates who rush past General Insurance Concepts often find themselves re-learning basics mid-way through Homeowners review. Sequencing matters - a point we expand on in the AR-PC Cheat Sheet, which organizes these forms side by side for quick comparison.
Domains 7-11: Commercial Lines Coverage
Commercial lines make up the largest cluster of domains on the exam, and for many candidates - especially those coming from a personal-lines sales background - this is where study time needs to expand the most.
Domain 7: Commercial Automobile Policy
Covers the business auto coverage form, symbols that determine which autos are covered, and how liability and physical damage apply to owned, hired, and non-owned vehicles.
- Covered auto symbols and what each numeric designation includes
- Differences between the business auto form and the personal auto policy
Domain 8: Commercial Property Policies
Covers building and personal property coverage forms, causes-of-loss forms, and business income coverage.
- Basic, broad, and special causes-of-loss forms compared
- Business income and extra expense coverage triggers
Domain 9: Commercial General Liability
Covers occurrence versus claims-made CGL forms, coverage A/B/C, and common exclusions.
- Claims-made triggers, retroactive dates, and extended reporting periods
- Products-completed operations versus premises liability exposures
Domain 10: Commercial Crime
Covers employee dishonesty, forgery, and other crime coverage forms unique to commercial policies.
- Discovery form versus loss-sustained form distinctions
Domain 11: Businessowners Policy
Covers the BOP as a packaged form combining property and liability for eligible small businesses.
- Eligibility requirements that determine whether a business qualifies for a BOP
- How BOP coverage differs from separately purchased CGL and commercial property policies
These five domains reward candidates who build comparison charts rather than isolated notes - for example, lining up CGL exclusions against BOP liability exclusions so you can spot overlaps and differences quickly during the exam.
Key Takeaway
Treat Domains 7-11 as one connected study block rather than five separate topics - commercial coverage forms share structural DNA, and cross-referencing them cuts review time significantly.
Domains 12-13: Miscellaneous Coverage and Workers' Compensation
The final two domains close out the content outline with coverage types that don't fit neatly into the personal/commercial split, plus a domain entirely focused on statutory employer liability.
Domain 12: Other Types of Property and Casualty Insurance
Covers the purpose and general characteristics of coverage types such as inland marine, umbrella/excess liability, professional liability, and surety - at a conceptual level rather than deep policy-form detail.
- What umbrella liability adds beyond underlying policy limits
- General purpose of surety bonds versus insurance
Domain 13: Workers' Compensation Laws
Covers the statutory basis for workers' compensation, covered injuries, and the structure of the workers' compensation and employers liability policy.
- Exclusive remedy doctrine and how it limits employee lawsuits
- Coverage A (statutory benefits) versus Coverage B (employers liability)
Domain 12 tends to be tested at a broader, more conceptual level than the earlier policy-specific domains, so memorizing exact form numbers matters less here than understanding why each coverage type exists and what gap it fills.
How the Domains Map to Question Counts
PSI and the Arkansas Insurance Department don't publish an exact question count per domain, and any site claiming precise per-domain percentages for this specific exam is guessing. What we do know for certain from the official exam structure is the split between the general and state-specific portions, which is the most reliable planning anchor you have.
| Exam Section | Question Count | Domains Covered |
|---|---|---|
| General P&C Portion | 125 scored questions | Domains 2-13 |
| Arkansas-Specific Portion | 25 scored questions | Domain 1 |
| Pretest (unscored) | 10 questions | Distributed, not identifiable |
Because Domains 2 through 13 share 125 questions among twelve content areas, no single personal-lines or commercial-lines domain is likely to dominate the exam the way Domain 1 dominates the state-specific portion. That's part of why breadth of coverage across all 13 domains matters more than depth in any one area - a theme we revisit in our AR-PC difficulty guide, which looks at where candidates typically lose points.
Scheduling Your Prep Around the 13 Domains
Before you can sit for the exam, Arkansas requires completion of approved Property and Casualty prelicensing education - 20 hours per line under Rule 31, with exemptions available for candidates who've recently completed the state-law and ethics components. Course certificates remain valid for two years, so timing your prelicensing course relative to your exam date matters. Once you're eligible, a 90-day permit gives you three attempts at the exam; miss all three or let the permit expire, and you're looking at a four-week wait plus repeating the approval process. That timeline pressure is exactly why a domain-by-domain study schedule beats open-ended review.
Foundations
- Domain 2: General Insurance Concepts
- Domain 3: Property and Casualty Insurance Basics
Personal Lines
- Domain 4: Dwelling Policy Concepts
- Domain 5: Homeowners Policy Concepts
- Domain 6: Personal Automobile Policy
Commercial Lines
- Domain 7: Commercial Automobile Policy
- Domain 8: Commercial Property Policies
- Domain 9: Commercial General Liability
Commercial Wrap-Up and Statutory Coverage
- Domain 10: Commercial Crime
- Domain 11: Businessowners Policy
- Domain 13: Workers' Compensation Laws
Arkansas Law and Final Review
- Domain 1: Multi-Line (P&C) Arkansas Specific Content
- Domain 12: Other Types of Property and Casualty Insurance
- Full-length timed practice under 210-minute conditions
Notice Domain 1 sits in the final week rather than the first. That's intentional - Arkansas-specific rules make more sense once you already understand the general insurance concepts they modify, and reviewing it last keeps state-specific details fresh going into exam day. For a more detailed breakdown of pacing and technique, see the AR-PC Study Guide.
Once you've mapped all 13 domains against your available weeks, running full-length practice questions on our AR-PC practice test platform is the fastest way to find out which domains are actually weak versus which ones just feel unfamiliar. Domain-tagged practice sessions on the practice site let you drill Domain 9 or Domain 13 in isolation instead of guessing where your gaps are.
Frequently Asked Questions
No official per-domain percentage breakdown is published beyond the general/Arkansas-specific split. What's confirmed is that Domain 1 alone accounts for the 25-question Arkansas-specific portion, while Domains 2-13 share the 125-question general portion.
Commercial lines domains (7-11) tend to require more study time for candidates without commercial insurance experience, since they cover more distinct coverage forms than the personal lines domains. See our difficulty guide for more detail.
No. Domain 1 tests Arkansas-specific statutes and producer obligations that aren't covered anywhere else in general P&C study materials, and it represents a fixed 25 of the 150 scored questions.
150 questions count toward your score, split into 125 general and 25 Arkansas-specific. An additional 10 pretest questions appear but are not scored, bringing your total in-session question count to 160 within 210 minutes.
Your 90-day permit allows three attempts. If you fail all three, or the permit expires, you must wait four weeks and repeat the approval process before scheduling again.