4 HRs Personal Auto and Umbrella Insurance - Massachusetts

✅ Approved by Massachusetts Division of Insurance | Provider #500032040 | Course #6000223839 | Only $19.99 | Instant Emailed Certificate | 100% Online & Self-Paced

Earn 4 approved hours toward your Massachusetts insurance license continuing education with a course approved by the Massachusetts Division of Insurance for only $19.99. The hours apply to your 45-hour, three-year requirement and the course is approved in the Property & Casualty category, so you can enroll online and start on your own schedule.

The course is 100% online and self-paced. Log in and out as often as you need without losing progress. Your certificate is emailed the moment you finish, and 1st Choice CE reports your completion to the Division's continuing education administrator.

✅ Course Details

• Course name: 4 HRs Personal Auto and Umbrella Insurance
• Approved by: Massachusetts Division of Insurance
• Provider number: 500032040
• Course number: 6000223839
• Course length: 4 hours
• Course category: Property & Casualty
• Course format: 100% online, self-paced
• Price: $19.99
• Certificate: emailed immediately after completion
• Reporting: 1st Choice CE reports your completion to the Division's continuing education administrator
• Page URL: https://1stchoice-ce.com/courses/checkout/massachusetts/4-hrs-personal-auto-umbrella-massachusetts/
• Support: call or text 1-800-698-2770

✅ Who Should Take This Course?

• Licensed property and casualty agents and producers
• Personal lines producers who quote and service auto policies
• Agents who explain uninsured and underinsured motorist options to clients
• Producers who recommend personal umbrella coverage
• Agency staff who handle household driver and vehicle changes
• Agents who need property and casualty credit toward Massachusetts's renewal total

✅ Does This Course Satisfy the State Requirement?

This course provides 4 approved hours toward the 45 hours a Massachusetts producer must complete each 36-month period, or the 60 hours required before a first renewal. It is general credit toward your state total, so it does not satisfy the separate 3 hours of Massachusetts Approved Ethics. It does not satisfy the whole requirement on its own.

Massachusetts sets no cap on self-study or online hours and imposes no proctoring requirement, so all of these hours count in full. Excess hours carry forward to the next 36-month period only. Be careful with the total: your FIRST renewal requires 60 hours, not 45.

✅ Massachusetts Continuing Education Requirements

Massachusetts runs on a three-year cycle rather than a two-year one, and it is one of the very few states where the FIRST renewal requires MORE hours than later ones. Under 211 CMR 50.04 a producer completes 60 hours of approved instruction before the initial licence renewal, then 45 hours in each 36-month period after that. Three of those hours must be a program of instruction on Massachusetts Approved Ethics, which the Division abbreviates MAE and codes as MAE in the approved course catalogue. The 3 MAE hours count inside the total rather than on top of it. The regulation permits the hours to be satisfied in any of the lines of insurance for which you are licensed, so there is no mandatory life and health versus property and casualty allocation.

• 60 hours of approved instruction before your FIRST licence renewal
• 45 hours for each 36-month period after that
• 3 of those hours must be Massachusetts Approved Ethics, coded MAE - a generic ethics course does not satisfy it
• The requirement is not split by line of authority - hours may be taken in any line you hold
• No cap on self-study or online hours, and no proctoring requirement
• Excess hours carry forward to the next 36-month period only

Since December 1, 2020 Massachusetts credits may be earned online or through approved courses in reciprocal states, the two-credit minimum course length has been removed so single-credit courses are permitted, and a credit hour is defined as a minimum of 50 minutes. There is no cap on self-study or correspondence hours and no proctoring requirement. Excess hours carry forward to the next 36-month period only. Exemptions under 211 CMR 50.03 are narrow: nonresidents holding an equivalent home-state licence with its own continuing education requirement; persons licensed in Massachusetts before April 4, 1983, subject to exceptions where the licence was amended or lapsed; auto club agents; insurance advisers; fraternal agents; and producers licensed only for travel or credit insurance. The April 4, 1983 date is a fixed historical cutoff, not a years-of-service rule, and Massachusetts has no age or professional-designation exemption.

How this course helps: This 4-hour course contributes 4 of the 45 hours a Massachusetts producer must complete each 36-month period, or the 60 hours required before a first renewal. It is approved in the Property & Casualty category. It is general credit toward your state total, so it does not satisfy the separate 3 hours of Massachusetts Approved Ethics. It does not complete the renewal on its own.

✅ When Do Licensees Renew?

Massachusetts producer licences renew on your birth DATE, on a three-year cycle - not on your birth month and not every two years. Work out first whether this is your initial renewal, which carries the 60-hour requirement, or a subsequent one at 45 hours. That distinction is the most common miscount in the state.

✅ How to Renew Your Massachusetts License

1. Identify your renewal date - your birth date, every three years - and determine whether this is your initial renewal at 60 hours or a subsequent one at 45.
2. Pull your continuing education transcript in SBS License Manager to see credits already posted and any hours carried forward from the prior 36-month period.
3. Complete the required 60 or 45 hours of Massachusetts-approved instruction, including 3 hours specifically coded Massachusetts Approved Ethics. Courses may be classroom, self-study, online, or taken in a reciprocal state.
4. Complete any transaction-specific training that applies: the one-time 4-credit annuity course before selling annuities, the one-time 3-hour NFIP flood course if you write flood on a Property, Casualty or Personal Lines licence, and your carrier's own long-term care product training before selling long-term care.
5. Verify on SBS that every credit, and specifically the 3 MAE credits, has posted before your renewal date. An unposted MAE course will block the renewal.
6. Renew through NIPR.com, which checks compliance before accepting the filing, and pay the renewal fee plus the lead paint surcharge if you carry Property, Casualty or Personal Lines.
7. Confirm the licence shows active in SBS License Manager and keep your completion certificates.

There is no grace period on the requirement itself - the hours must be complete and posted before the renewal date. Failure to complete may result in non-renewal or suspension of the licence under 211 CMR 50.07, and the Commissioner may impose a civil fine of not less than $20 and not more than $100 for EACH hour of instruction by which you fall short, after a hearing. A ten-hour shortfall can therefore cost up to $1,000 on top of the late renewal fee. The Commissioner may grant an extension of time for good cause. Producers generally have up to one year from the renewal date to make up deficient credits and late-renew. Public insurance adjusters have no reinstatement period at all and must retake the examination.

✅ What You Will Learn

• Apply the personal auto policy definitions that decide who and what is covered
• Explain split and combined single liability limits and the insurer's defense obligation
• Handle permissive use, resident relatives and household driver questions correctly
• Compare uninsured and underinsured motorist coverage and explain why it matters
• Distinguish comprehensive from collision and set client expectations on each
• Show a client what a personal umbrella actually sits above and where it will not respond

✅ Course Content Overview

Hour 1: Personal auto policy structure and definitions: covered autos, you and family member, resident relatives, newly acquired vehicles, and how a definition rather than an exclusion often decides a claim.

Hour 2: Liability coverage: split limits and combined single limits, the duty to defend and defense costs outside the limit, permissive use and non-owned autos, and the exclusions that most often surprise a client.

Hour 3: Uninsured and underinsured motorist coverage, stacking concepts, personal injury protection and medical payments, and the order in which these coverages respond to an injury claim.

Hour 4: Physical damage and the umbrella: comprehensive versus collision, deductibles, total loss valuation, rental and towing, then the personal umbrella - required underlying limits, the drop-down question, and exposures it does and does not reach.

✅ Other Massachusetts Insurance CE Courses

• 4-Hour Annuity Best Interest and Suitability - Massachusetts – $19.99
• 3 Hour Ethics for Insurance Agents - Massachusetts – $19.99
• 3-Hour Flood Insurance (NFIP) - Massachusetts – $19.99
• 4 Hrs Ongoing Long-Term Care Insurance Partnership Training - Massachusetts – $19.99
• 3 HRs Emerging Risks and Specialty Coverages - Massachusetts – $19.99
• 4 HRs Medicare Advantage and Part D Update - Massachusetts – $19.99
• 3 Hrs Insurance Fraud and Claims Handling (P&C Focus) - Massachusetts – $19.99
• 4 HRs Health Insurance and Affordable Care Act Updates - Massachusetts – $19.99

✅ Why Choose 1st Choice CE?

• Approved provider and approved course in Massachusetts
• Affordable at $19.99
• 100%% online and self-paced
• Log in and out anytime without losing progress
• Instant emailed certificate
• We report your completion for you
• Money-back guarantee
• Over 10 years of continuing education experience
• Support by phone or text at 1-800-698-2770

✅ Enroll Now

Enroll in 4 HRs Personal Auto and Umbrella Insurance for $19.99 and complete your 4 approved hours online, on your schedule. Questions before you buy? Call or text 1-800-698-2770.