CPCU® 552 Difficulty

The CPCU® 552 exam focuses on the commercial liability insurance products, including topics such as the commercial general liability policy (CGL), business auto coverage form (BACF), workers compensation, and umbrella liability insurance. Similar to the CPCU® 551, in the CPCU® 552 exam there are over 20 commercial insurance products that you need to memorize to pass this exam.

In this blog we will break down the most difficult aspects of the exam. We will detail exactly what you should focus on when studying to pass this exam. I’ve personally had success studying for this exam because of this study material from AB Training Center, which does a great job of focusing on the difficult topics covered in this blog.

CPCU® 552 – Pass Rate

According to nationally published CPCU® pass rates, the CPCU® 552 is right in the middle in terms of difficulty. The pass rate is typically around 75%. This means, out of everyone that attempts the CPCU® 552 exam, 75% pass.

I want to warn you, the content is difficult. In our opinion, this is a very difficult exam. Even though the pass rate is higher than other exams, the content of the exam is by no means easy. Especially if you do not have commercial insurance experience.

This exam is not easier than the other CPCU® exams. In fact, all of the content in this exam is new. It is all based on commercial liability insurance, meaning you have probably never seen these topics before, and you definitely did not see these topics in your prior CPCU® exams.

CPCU® 552 – Most Difficult Part

This exam is tough because there is so much content to memorize. In particular, there are a ton of different insurance products and coverages that you need to memorize.

We have personally reviewed the content and counted over 20 different commercial insurance products (such as environmental insurance, professional liability, and aviation insurance) that you need to be familiar with for this exam. Almost every single question on the CPCU® 552 exam will be based on some type of coverage, exclusion, or endorsement.

For comparison purposes, this exam is most similar to the CPCU® 551 (except this one is based on commercial liability insurance). Much like the CPCU® 551 exam, for the CPCU® 552 exam you will be required to memorize every aspect of each insurance product including the coverages, conditions, exclusions, and endorsements. In total, there are over 20 commercial insurance products that you need to memorize to pass this exam.

The hardest part of the CPCU® 552 will be memorizing each coverage, condition, exclusion, and every minor aspect of each commercial insurance product. The reason people fail this exam is because they underestimate the amount of content. There is a LOT to memorize.  For each commercial insurance product, such as the commercial general liability form (one of the most important topics of the 552 exam), you must know the insurance limit, covered losses, optional coverages, additional coverages, coverage extensions, loss conditions, coverage conditions, exclusions, and endorsements. You have to know this for EACH of the 20+ commercial insurance products covered in this exam (that’s a lot to memorize).

Luckily we know exactly which insurance products and minor details you need to know. You can click here to download the list of CPCU® 552 products and coverages that you need to memorize (we’ll also include a free practice exam with the download).

Download: Free Practice Exam (CPCU® | ARM™ | AINS™ | API™)


CPCU® 552 – Three Study Tips

The exam is tricky. The multiple choice questions will try to trick you by mixing the optional coverages, loss conditions, and insurance limits of the various products. Pay close attention to the minor details of each commercial insurance product. You must be able to confidently state the coverages, conditions, and exclusions of each insurance product covered in the study material.

We recommend you focus first on memorizing the definition of the insurance product and coverage. Then memorize the minor details and differences between each different insurance product. The 552 will try to trick you by asking about the minor differences between products. The exam will even makeup the name of a commercial insurance form to try and trick you!

Here are three study tips that we recommend to help you master the CPCU® 552 content:

1) Study each chapter: Treat each chapter like its own textbook. Read each chapter and memorize the insurance products and coverages as you go. Don’t wait until the end to memorize the coverages, exclusions, and conditions. You will be overwhelmed.

2) Make a study guide: Taking notes and making a personal study guide is a great way to improve your ability to recall information on the exam. Make sure your study guide is short and easy to quickly review; this will help you keep track of those minor details and creates a reference sheet for you to review rather than re-reading the textbook.

3) Practice, practice, practice: Take as many practice exam and quizzes as you possibly can. This will help you familiarize yourself with the CPCU® 552 question format and help you determine which topics you need to re-study. Once you go through a few practice quizzes and exams, return to your notes and review any section that you failed.

Be sure to download our free CPCU® 552 practice exam to ensure you’re memorizing every endorsement and coverage.

Free Practice Exam

Ready to get started studying? We’re here to help (for free). Download our free CPCU® 552 practice exam (comes with study guide and coverage guide) to get a feel for the type of questions you will see on the exam.

Download: Free Practice Exam (CPCU® | ARM™ | AINS™ | API™)

More Information

For more information about the CPCU® 552 exam, check out some of our other free resources:



Remember, every CPCU® exam is different. No single exam is the same. Be sure to study ALL topics (not just our recommendation). This resource is intended to provide you with a general idea of where your focus should be. Make sure to thoroughly study every topic of this exam.

Difficulty rank, importance rank, and the advice provided in this resource are solely the opinion of AssociatePI. This resource is intended to provide you with a general idea of where your focus should be. Each exam administered by The Institutes is different. AssociatePI is not affiliated with The Institutes or involved in the exam writing process. Please be sure to thoroughly study every chapter and every topic of this course.

CPCU® exams are administered by the American Institute for Chartered Property Casualty Underwriters (“The Institutes”). AssociatePI does not administer the actual exams, we are an independent resource of free content, advice, and study material for professional insurance education. This blog is intended for informational purposes only, to inform prospective students of the benefit of the CPCU® designation.

CPCU® and API are trademarks of the American Institute for Chartered Property Casualty Underwriters (“The Institutes”). AssociatePI LLC is not affiliated with, associated with, endorsed by or otherwise supported or recognized by The Institutes in any way. AssociatePI LLC is not authorized by The Institutes to offer courses, practice examinations, or any other resources related to the Institutes’ designations or other programs.

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