About the siteAbout
About Named Peril
Named Peril is an independent study site for the property and casualty producer exam, run by the team that publishes the iPhone and iPad prep app linked on its pages. It is not connected to any state insurance department, the NAIC, NIPR or a testing vendor.
Why the name
The name comes from the narrowest kind of property coverage: a named-perils form pays only for the causes of loss it lists, and anything off the list stays uncovered. The answer notes here read a question the same strict way, holding each answer to the exact facts in its stem.
How a question reaches this site
Written to the outlines
Each item targets a topic in the general block of the state content outlines. The stem names the form, and the edition too where a figure changed between editions, as with the 2011 HO-3 or the 2018 PAP.
Checked against the form text
The key is read against the ISO form wording itself. Items whose key contradicted the form were rewritten or removed before publishing.
Solved blind
A second solver answers new items without seeing the key. A disagreement, or a stem that leaves out a condition the answer depends on, sends the item back for a rewrite or off the site.
A note on every option
The key's note says why it holds; each wrong option's note says what it confuses. Those notes are the part to read after a miss.
Corrected when you report it
If an item still looks wrong, the contact page lists what to send.
How a state fact gets onto a page
| Rule | What it means on the page |
|---|---|
| Primary source only | A state insurance department page or the testing vendor's candidate handbook. Prep-school blogs and forums do not count. |
| A named state | No number is presented as national. Each item count, fee, hour figure or pass mark names its state. |
| A checked date | Each fact carries the date the source was read, so a changed rule is easy to spot. |
| Unverified stays off | If the primary source could not be read, the fact is left out instead of filled in from memory. |
| Pay from BLS only | Salary figures come only from the U.S. Bureau of Labor Statistics, with their reference period. |
Where the app fits
The site is free and needs no account. The Get the app buttons lead to our iPhone and iPad app, a larger set of general-block items with a worked explanation for each; there is no Android version. What happens when you press one is set out on the privacy page. To start without the app, open the free P&C practice test.