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    Sandi Kruise Insurance Training
    Your Best Choice for Insurance Education
    800-517-7500, 8:30am-3:30pm PST

    Scheduling Personal Property-MA 460-scheduling-personal-property-monitored_17

    License Type : General
    Insurance Credits : 8
    Course Number : 6000139653
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    Note: A monitor must be present while taking this exam. Please click "Monitor" below for the monitor form and more information.
    • Description
    • State Information
    • Redeem Vouchers
    • Course Format
    • Monitor Information

    Massachusetts State Requirements

    Updated: 12/13/2013

    Continuing Education Hours

    • Producer: 60 hours during the first 3 years of licensure; 45 hours every 3 years thereafter.
    • Adjuster: 15 hours triennially.
    • All property and casualty producers who sell flood insurance must complete a one-time 3-hour flood insurance course.
    • Long-Term Care: *Effective January 23, 2013* 
    • Initial 8-hour training requirement: All producers currently licensed to sell, solicit, and negotiate long-term care products in Massachusetts must complete a one-time state approved training course of at least 8-hours by July 1, 2014. Producers licensed on or after January 23, 2013 must complete this training prior to selling, soliciting, or negotiating such products.
    • Ongoing 4-hour training requirement: After completing the initial 8-hour LTC training requirement, producers must complete a 4 hour follow-up training course every 24-months following the initial training.

    Course Subject Requirements

    At least one credit hour should be completed in a course approved for lines of insurance for which license is held.

    Continuing Education Compliance Date

    Triennially on renewal date. (Same as license issuance date.) License renewal date is date of issuance, triennially.

    Types of Courses Accepted for CE Credit

    Independent self-study courses and Classroom study.

    Carryover Requirements

    A maximum of 45 excess hours may be carried over to the next reporting period.

    Course Repetition

    Courses may not be taken for credit more than once in a three year period.

    Final Exam

    Self-study final exams must be monitored by a disinterested third party.


    • Individuals licensed in Massachusetts prior to 4/5/83, except for those persons who, although licensed prior to 4/5/83, amended their licenses after that date by passing an insurance exam for an additional line of insurance, and those persons who were unlicensed for more than a year immediately prior to 4/5/83.
    • Individuals who are auto club agents, travel accident & baggage agents, licensed insurance advisors and/or fraternal agents.
    • The licensee holds one of the following limited lines authorities: travel, accident & baggage insurance, or credit insurance.
    • The licensee holds a viatical brokers/representative license.
    • The licensee holds a reinsurance intermediary brokers/managers license.
    • The licensee holds a surplus lines brokers license.
    • The licensee holds an advisors license.
    • The licensee is a nonresident licensee in a state with reciprocity with Massachusetts.
    • The licensee is on active military duty.

    Method to Certify Completion

    Your certificate will be e-mailed to you once your exam is completed. Course provider reports credits earned to CE administrator within one business day of course completion. CE administrator maintains current list of producer credits. Producers maintain copies of the certificates of completion fro future auditing by the Division of Insurance.


    Exempt, if licensee meets CE requirement for home or any state where an active license is held, the nonresident licensee must then comply with Massachusetts CE requirements (see required continuing education hours above).

    For Additional Information Please Contact

    Massachusetts Insurance Division

    One South Station
    Fifth Floor
    Boston, MA 02210-2208

    Mailing Address: Commonwealth of Massachusetts

    Division of Insurance
    1000 Washington Street, 8th Floor
    Boston, MA 02118-6200

    Phone: (617) 521-7794 opt 2 -OR- (800) 742-8731

    Fax: (617) 521-7576

    State Website: www.mass.gov/doi

    Seminars & Classroom Courses

    These courses are instructor led programs, usually in a live classroom setting, and do not require you to pass an exam to receive CE credit for the course. 

    You must choose one of the locations listed in the options above. Please make note of the address of the seminar you choose. You will also receive an email confirmation of your enrollment, which will include the address of the seminar. You can return here to review the address if you misplace it before the class.

    All of our seminars begin at 8:30 AM and end at 4:30 PM unless otherwise noted on your confirmation notice.  Please arrive at the classroom at least 10 minutes before the starting time on your confirmation notice. All students must be signed-in and seated BEFORE the official class start-time. If you arrive late, please DO NOT interrupt the class in session. You can talk to the instructor at the first break regarding the possibility of obtaining credit for the class or rescheduling for another date. Remember, these classes fill up quickly, and there is usually little or no room for agents who arrive at the last minute without registering in advance.

    Cell phones must be turned off during the entire duration of the seminar. You will have time to return messages and make calls during breaks and at lunch. 

    During the class, you must not have any materials on your desk except the textbook or handout provided by the instructor. By law, students who are reading other materials, talking to other students, sleeping, or otherwise not participating in the learning experience are not allowed to receive CE credit!

    Absolutely no recruiting or marketing for products, services, employment or any other activity is allowed at any time during the seminar - including during breaks and lunch. Students caught doing this may be asked to leave immediately and will NOT receive a refund.


    Due to the fact that we must pre-pay for locations, teachers, materials and shipping there is a 10-day cancellation or refund policy for classroom courses. If you find you need to cancel a classroom course you may either:

    1. Request a refund with our refund request form no later than 10 days from the class date: www.kruise.com/refund.pdf
    2. If you're inside the 10 day window you can move to a later class on our calendar or call and have us hold your payment for another time.
    3. If you request a refund after we've already shipped your materials to the class you will most likley not be able to receive a full refund.

    If you have received a CE voucher from an insurance company or wholesaler, you can redeem it by following these instructions. 

    • Choose your course format - see "course format" tab for more details or click "learn more" above options.
    • Click on the red "buy" button to proceed to checkout.
    • Be sure to enter your Voucher Code when checking out to apply your discount.
    • You will be able to download the study materials immediately by clicking the red "Download Course" on your receipt. It will also be emailed to you and will be available for one year in your customer account.
    • You will also be provided with a link and information to access the exam.

    Your voucher covers an online book, online exam, grading and one CE certificate for insurance. It DOES NOT INCLUDE printed books, printed exams, state fees or CE certificate(s) or reporting for additional designations or types of CE, although they are available as options for additional charge. 

    If you choose printed books or exams, you will be charged the balance due during checkout.

    If your state charges a fee to report your credit, this fee is due from you. When you check-out, you must pay this fee in order to access the course and obtain CE credit.

    After you pass your exam, you will be able to purchase CE certificates for professional designations such as CFP, CPE, etc. you will be charged $10 for each one. Please DO NOT order these additional certificates unless you currently hold that professional designation. There are NO REFUNDS for additional certificates ordered and not needed.

    Optional PACE or CFP Credit

    Many of our Insurance CE courses are also approved for CE credit for agents who hold professional designations such as CLU, ChFC, CFP. The type of CE credit and number of hours approved are listed above in the course description.

    If you hold a professional designation you may request a certificate for courses taken and exams passed for insurance CE credit. If you pass and exam and would like to get additional credit for one of these designations, please use the link to the left: "CFP & PACE Credit".

    If you do not hold a professional designation and do not need any type of CE other than for your insurance license renewal, please do not order a PACE or CFP certificate. It will not benefit you and once ordered, there are no refunds!

    There are no refunds for certificates ordered by mistake!

    Monitor Instructions - Massachusetts


    Your state requires that your exam(s) MUST be monitored.

    The qualifications of the person who must monitor your exam are explained on the monitor form. The person monitoring your exam must be with you prior to beginning to take the exam. Taking the exam without your monitor present will invalidate your exam results and certificate.

    The monitor must print, sign and complete the affidavit found by clicking Printable Monitor Form to indicate that the exam was taken without any outside help from any source. Please fax the completed monitor form to (619) 421-8171 or email your form immediately after completing the exam. Your exam will not be completed, and no CE credit will be awarded or reported to your state, until the properly completed, signed monitor form has been received (along with any state reporting fees that may be due).

    System Requirements: All major browsers can be used to complete our courses.  This includes Internet Explorer 11.x or higher, Microsoft Edge 20 or higher, Firefox version 51 or higher, Apple Safari version 10.x or higher, and Google Chrome, version 56 or higher.

    Desktops, Laptops, Tablets, and most Smartphones are also supported.

    This course automatically includes a downloadable textbook and/or other course materials which you may print if you desire. When you are finished studying your course, the exam is taken online and it is graded immediately.  In most states you can also print your own certificate of completion, if you pass. There is no additional charge if you complete your course and exam completely online. 

    If you prefer, however, you may purchase a printed book and/or printed exam at additional cost.   

    You have 3 options if purchasing the course outside a subscription:

      1. Online book and online exam - included in price - You receive no printed materials-everything is online.
      2. Printed book and online exam - $5 additional - You receive a printed book but take your exam online.
      3. Printed book and printed exam - $10 additional - You receive a printed book and printed exam which you mail or fax to us for grading.

    For options 2 and 3, you will be able to choose either regular or express shipping during checkout.

    Please choose your option carefully!  There is no refund for printed materials or exams ordered by mistake!

    If your state requires monitored exams, you must have your monitor sign-in and follow the monitor instructions BEFORE you begin the exam.  See the State Information tab, Monitor tab and Help Center for more information.

    Following this insurance continuing education, course agents will be able to understand the exclusions and limitations for high-value and special personal property in homeowners and automobile insurance policies and the endorsements and coverage options available to provide coverage for these exposures. Insurance Agents will be able to explain both the exclusions and coverage options to clients to assist them in identifying the exposures and selecting proper coverage options to treat them. This course discusses the Personal Articles Floater, HO 61 and HO 60 endorsements to the HO policy, the Personal Effects Floater, the Personal Property Floater, and various individual floaters. Detailed information is included regarding underwriting as well as coverage.

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