• 62 questions

New Jersey Bail Bond Agent Practice Test

Unofficial questions on New Jersey bail bond producer law, spread over the five parts of the state's exam outline.

What is the largest penalty for a first offense against the Producer Licensing Act?

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Exam mode: 50 questions, 210 minutes, 35 right to pass (70%).

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Unofficial practice questions, not affiliated with the New Jersey Department of Banking and Insurance. Bank checked October 16, 2026.

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All 62 questions

New Jersey laws, rules and regulations 6

  • A person refuses to comply with the Commissioner's subpoena. Who may order compliance or punish for contempt? N.J.S.A. 17:22A-45(b)
  • The Commissioner denies a license application. What must the Commissioner give the applicant? N.J.S.A. 17:22A-40(b)
  • The Commissioner enters an order on ex parte proofs before a hearing is finished. Within how many days must a preliminary hearing on it be held? N.J.S.A. 17:22A-45(d)
  • Under the unfair trade practices law, what penalty may the Commissioner order for each violation when the person knew or should have known of it? N.J.S.A. 17:29B-7(a)
  • What is the largest penalty for a first offense against the Producer Licensing Act? N.J.S.A. 17:22A-45(c)
  • Which power does the Producer Licensing Act give the Commissioner in an investigation? N.J.S.A. 17:22A-45(a)
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Licensing requirements 12

  • A person's producer license is suspended. May an insurance producer employ that person as office staff? N.J.A.C. 11:17D-2.5(e)
  • A producer wants to do business under a name other than the producer's legal name. What does the Act require? N.J.S.A. 17:22A-36
  • An insurer cancels an agency contract. How soon must it file written notice of cancellation with the Commissioner? N.J.S.A. 17:22A-42(b)
  • Before a first bail bonds license, how many classroom hours must the course on regulation of the insurance industry in New Jersey total? N.J.A.C. 11:17-3.4(d)1
  • How long after an order revoking a producer license may the person apply for reinstatement? N.J.A.C. 11:17D-2.7(a)
  • How many classroom hours is the prelicensing course for bail bond authority itself? N.J.A.C. 11:17-3.4(d)2
  • How old must an individual be for the Commissioner to approve a resident producer license application? N.J.S.A. 17:22A-32(a)(1)
  • How soon must a licensee notify the Department of a change of business or residence address? N.J.A.C. 11:17-2.8(f)2
  • How soon must a producer notify the Commissioner of the producer's conviction of any crime or indictment? N.J.S.A. 17:22A-40(a)(18)
  • Under which producer license authority do bail bonds fall? N.J.A.C. 11:17-2.2(a)9
  • What does the Producer Licensing Act require before a person sells, solicits or negotiates insurance in New Jersey? N.J.S.A. 17:22A-29
  • When does the first term of an individual producer license expire? N.J.A.C. 11:17-2.1(a)

Trade practices 8

  • A business name contains the word "insurance". What must it be joined with? N.J.A.C. 11:17-2.8(d)3
  • A producer offers an unlawful inducement, but the customer never buys. Does the rebate rule apply? N.J.A.C. 11:17A-2.3(e)
  • Circulating a false statement about an insurer's financial condition, calculated to injure a person in the insurance business, is which unfair practice? N.J.S.A. 17:29B-4(3)
  • In what capacity does an insurance producer act in the conduct of the insurance business? N.J.A.C. 11:17A-4.10
  • What kind of advertisement about the business of insurance does N.J.S.A. 17:29B-4(2) make an unfair practice? N.J.S.A. 17:29B-4(2)
  • What must be true for a branch office to engage in insurance related conduct? N.J.A.C. 11:17-2.9(e)
  • What rebate of premium may an insurance producer give? N.J.A.C. 11:17A-2.3(b)
  • Which business name do the naming standards forbid? N.J.A.C. 11:17-2.8(d)4

Bail bond authority 22

  • A fugitive is apprehended inside New Jersey. What is the most a surety may charge the indemnitor as a fugitive fee, before the overall cap? N.J.A.C. 11:1-40.3(a)1
  • A person charged with a crime with bail restrictions posts bail secured by real property. What unencumbered equity must the property have? N.J.S.A. 2A:162-12(b)
  • A person charged with a crime with bail restrictions secures a bail bond. To whom must the source-of-funds form go before bail may be accepted? N.J.S.A. 2A:162-13(a)
  • A surety company appeals a judgment enforcing the forfeiture of a bail bond. What must it deposit? N.J.S.A. 17:31-12
  • The Clerk of the Superior Court certifies that a bail agent has not satisfied a judgment for forfeited bail. What does the Commissioner do? N.J.S.A. 17:31-11(a)
  • For how long after coverage ends must a producer keep the required books and records of account? N.J.A.C. 11:17C-2.6(a)
  • How long does a temporary suspension of a bail agent's authority under N.J.S.A. 17:31-11 last? N.J.S.A. 17:31-11(a)
  • How must a producer's premium receipts be numbered? N.J.A.C. 11:17C-2.4(b)1
  • How must premium funds be kept apart from a producer's other funds? N.J.A.C. 11:17C-2.1(b)
  • How often must a producer reconcile the trust account? N.J.A.C. 11:17C-2.5(g)
  • How soon must a producer remit premium funds to the insurer, absent a contract, statute or rule that says otherwise? N.J.A.C. 11:17C-2.2(a)
  • In whose name must a contract holding an indemnitor responsible for a fugitive fee be made? N.J.A.C. 11:1-40.3(c)
  • What is the largest fine for a first violation of failing to satisfy a judgment for forfeited bail? N.J.S.A. 17:31-11(b)
  • What must each bail agent listed in a surety company's registration provide? N.J.S.A. 17:31-13(b)
  • What words must appear on the bank records and the face of the checks of a producer's premium account? N.J.A.C. 11:17C-2.3(b)
  • Whatever the computation, an indemnitor's obligation to pay a fugitive fee may never exceed what share of the face amount of the bond? N.J.A.C. 11:1-40.3(b)
  • When real property secures a bail bond, how is the market value of the owner's equity determined for the affidavit? N.J.S.A. 2A:162-12(d)
  • Which fee may a bail bond agency NOT charge? N.J.A.C. 11:17B-3.2(d)
  • Which of these may a fugitive fee include? N.J.A.C. 11:1-40.3(d)
  • Which reason is NOT good cause for posting a supersedeas bond instead of the full deposit on a forfeiture appeal? N.J.S.A. 17:31-12
  • Who may finance insurance premiums in New Jersey without a premium finance company license? N.J.S.A. 17:16D-4
  • With whom must a surety company register the name and address of each bail agent or agency it authorizes to write bail? N.J.S.A. 17:31-13(a)

Definitions 14

  • From what is a "fugitive fee" derived? N.J.A.C. 11:1-40.2
  • In N.J.S.A. 2A:162-12, a "crime with bail restrictions" is a crime of which degree charged under the listed sections? N.J.S.A. 2A:162-12(a)
  • In N.J.S.A. 17:31-10, what is a "surety company"? N.J.S.A. 17:31-10
  • In the bail bond registration law, who is a "bail agent or agency"? N.J.S.A. 17:31-10
  • In the fugitive recovery rules, which defendant is a "fugitive"? N.J.A.C. 11:1-40.2
  • In the fugitive recovery rules, who is an "indemnitor"? N.J.A.C. 11:1-40.2
  • In the fugitive recovery rules, who is the "defendant"? N.J.A.C. 11:1-40.2
  • In the funds management rules, what is a "trust account"? N.J.A.C. 11:17C-1.2
  • In the funds management rules, which days are "business days"? N.J.A.C. 11:17C-1.2
  • In the premium finance law, what does an insured promise in an "insurance premium finance agreement"? N.J.S.A. 17:16D-2(b)
  • In the Producer Licensing Act, what does "negotiate" mean? N.J.S.A. 17:22A-28
  • In the Producer Licensing Act, what does "sell" mean? N.J.S.A. 17:22A-28
  • In the Producer Licensing Act, what does "solicit" mean? N.J.S.A. 17:22A-28
  • What does a producer license, by itself, NOT create? N.J.S.A. 17:22A-28

How this list was compiled: New Jersey Statutes: N.J.S.A. 17:31-10 to 17:31-13 (bail agents and surety companies), 17:22A-28 to 17:22A-45 (the New Jersey Insurance Producer Licensing Act of 2001), 17:29B-4 and 17:29B-7, 17:16D-2 and 17:16D-4, and 2A:162-12 and 2A:162-13, read on October 15, 2026 in the statutes text the New Jersey Legislature publishes at https://pub.njleg.gov/statutes/ (file dated October 15, 2026); and the New Jersey Administrative Code, N.J.A.C. 11:1-40 (fugitive recovery expenses), 11:17-2 and 11:17-3.4, 11:17A-2.3 and 11:17A-4.10, 11:17B-3.2, 11:17C and 11:17D-2, read on October 15 and 16, 2026 in the public copy kept by Cornell Law School's Legal Information Institute (https://www.law.cornell.edu/regulations/new-jersey/title-11), which says it is updated quarterly. The five topics and their weights follow the Bail Bond Producer examination content outline (50 items, 70% correct to pass) that the candidate information bulletin of the New Jersey Department of Banking and Insurance's examination administrator links to (https://test-takers.psiexams.com/njins). The Legislature gives no address for a single section, so each statute question links to its searchable statutes database; each rule question links to its section. Licence: Own work. Every question, wrong choice and explanation was written for this site from the text of the statutes and rules named under "source". Nothing comes from the state examination, its sample questions, a testing vendor, a prelicensing course or a prep publisher.

How it works

This unofficial New Jersey bail bond agent practice test follows the Bail Bond Producer exam outline: 62 questions of our own from state producer and bail statutes and rules. Not affiliated with the New Jersey Department of Banking and Insurance.

Read the full guide

The five parts of the exam

Of 50 items the outline gives bail bond authority 18, definitions 13, licensing requirements 8, trade practices 6 and New Jersey laws, rules and regulations 5.

Rules only a bail producer meets

A bail bond agency may not charge banking, travel or after-hour service fees. A surety company registers each bail agent it authorizes with the Clerk of the Superior Court (N.J.A.C. 11:17B-3.2; N.J.S.A. 17:31-13).

What is left out

Dictionary definitions that no statute or rule states, the criminal code and the Rules Governing the Courts are not asked.

  • Remit premium funds within five business days and never commingle them (N.J.A.C. 11:17C-2.1, 11:17C-2.2).
  • Tell the Department of a new address within 30 days (N.J.A.C. 11:17-2.8).

Questions and answers

How many questions are on the New Jersey bail bond exam?

The content outline for the Bail Bond Producer examination lists 50 items, a minimum passing score of 70 percent correct and 3.5 hours. The candidate bulletin adds that 5 to 19 unscored experimental questions may also be given.

How do I become a bail bondsman in New Jersey?

Hold a producer license with bail bonds limited lines authority: be at least 18, complete six classroom hours on insurance regulation and 10 on bail bond authority, pass the state examination and be fingerprinted (N.J.S.A. 17:22A-32; N.J.A.C. 11:17-2.2, 11:17-2.3, 11:17-3.4).

Can a bail bondsman charge a fugitive fee in New Jersey?

A bail bond agency may not. A surety company may, by written contract with the indemnitor: up to the greater of $1,500 or 10 percent of the bond, 20 percent outside New Jersey, and never over 110 percent of the bond (N.J.A.C. 11:17B-3.2, 11:1-40.3).

What happens if a New Jersey bail agent does not pay a forfeiture judgment?

On the Clerk of the Superior Court's certification the Commissioner temporarily suspends the agent's authority to write bail. After a hearing the fine is up to $10,000 for a first violation, $25,000 for a second and $100,000 after that (N.J.S.A. 17:31-11).

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