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Ohio Statutes, Title 39

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Ohio/Statutes

← All Ohio coverage

Title 39, Title 39. Insurance

43 chapters · 1,367 sections in this title.

All chapters in Title 391,367 Ch 3901, Chapter 3901 | Superintendent Of Ins…150 Ch 3905, Chapter 3905 | Insurance Producers L…123 Ch 3923, Chapter 3923 | Sickness And Accident…109 Ch 3903, Chapter 3903 | Reserve Valuation; Re…92 Ch 3929, Chapter 3929 | Domestic And Foreign …77 Ch 3941, Chapter 3941 | Operation Of Mutual I…51 Ch 3937, Chapter 3937 | Casualty Insurance; M…50 Ch 3921, Chapter 3921 | Fraternal Benefit Soc…43 Ch 3919, Chapter 3919 | Mutual Protective Ins…40 Ch 3925, Chapter 3925 | Domestic Insurance Co…36 Ch 3953, Chapter 3953 | Title Insurance36 Ch 3924, Chapter 3924 | Small Employer Health…33 Ch 3964, Chapter 3964 | Captive Insurance Com…33 Ch 3902, Chapter 3902 | Insurance Policies An…32

77 sections·Filtered byTitle 39✕Ch 3929✕

Ohio Rev. Code Ann. § 3929.01 Powers of companies - deposits required of foreign companies
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(A) A domestic, foreign, or alien mutual or stock insurance company, other than a life insurance company, organized or admitted under Title XXXIX of the Revised Code or created by a special act or acts of the general assembly, or an attorney licensed under section 3931.10 of the …
Ohio Rev. Code Ann. § 3929.011 Capitalization requirements
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(A)(1) As a condition of the issuance of a certificate of authority to transact in this state any of the kinds of insurance set forth in divisions (A)(1) to (4), (6), (7), (10) to (13), (16), (17), (18), and (21) to (24) of section 3929.01 of the Revised Code, each stock insuranc…
Ohio Rev. Code Ann. § 3929.012 Reserve requirements
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(A) Each insurance company authorized to transact business in this state, except any life insurance company, shall maintain reserves in at least all of the following amounts:(1) An amount that equals the unearned portions of the gross premiums charged on unexpired or unterminated…
Ohio Rev. Code Ann. § 3929.02 Liability incurred on any single risk
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(A) No insurer authorized to engage in the business of property and casualty insurance in this state under Chapter 3925., 3929., or 3941. of the Revised Code, and no reinsurer authorized to do business in this state, shall incur on any single risk, on behalf of or on account of a…

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Ohio Rev. Code Ann. § 3929.03 Employee subrogated to rights of employer

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An employee who recovers against his employer for injuries sustained while in the employ of his employer, and sustained because of the negligence of the employer or negligence for which said employer is liable, is subrogated to all the rights of the employer under any contract or…

Ohio Rev. Code Ann. § 3929.04 Rights and remedies pass to personal representatives

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In case of the death of any employee by reason of the wrongful or negligent acts of the employee's employer, or negligence or wrongful acts for which said employer is liable, the personal representative of the deceased employee has all the rights and remedies that the employee wo…

Ohio Rev. Code Ann. § 3929.05 Liability of insurance company for bodily injury or death

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Whenever a loss or damage occurs on account of a casualty covered by a contract of insurance made between an insurance company and any person, firm, or corporation, by which contract such person, firm, or corporation is insured against loss or damage on account of the bodily inju…

Ohio Rev. Code Ann. § 3929.06 Satisfying final judgment

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(A)(1) If a court in a civil action enters a final judgment that awards damages to a plaintiff for injury, death, or loss to the person or property of the plaintiff or another person for whom the plaintiff is a legal representative and if, at the time that the cause of action acc…

Ohio Rev. Code Ann. § 3929.07 Deposit with superintendent of insurance required

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An insurance company that is required by division (B) of section 3929.01 or section 3953.06 of the Revised Code to deposit fifty thousand dollars of bonds with the superintendent of insurance may, in lieu of that deposit, make a deposit of one hundred thousand dollars, in securit…

Ohio Rev. Code Ann. § 3929.08 Deposits required by other states

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When any insurance company organized under the laws of this state is required by the retaliatory or other laws of any other state or district to make a deposit with the superintendent of insurance of this state, for the benefit of its policyholders, as a condition to the right of…

Ohio Rev. Code Ann. § 3929.09 Maintenance and withdrawal of securities

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Any deposit under sections 3929.07 and 3929.08 of the Revised Code shall be made and maintained in securities worth the amount of the required deposit; such securities may be exchanged from time to time for other securities of the prescribed character and worth the amount of the …

Ohio Rev. Code Ann. § 3929.10 Deposit required of guaranty company

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No company organized under the laws of this state to transact the business of guaranteeing the fidelity of persons holding places of public or private trust, who are required to, or in their trust capacity do, receive, hold, control, or disburse public or private property, and to…

Ohio Rev. Code Ann. § 3929.11 Deposit by foreign guaranty company

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No guaranty company mentioned in section 3929.10 of the Revised Code organized under the laws of another state, territory, district, or country shall be licensed to transact such business in this state unless at least two hundred thousand dollars of its assets are invested in the…

Ohio Rev. Code Ann. § 3929.13 Estoppel of company executing bond

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A company which executes a bond as surety under sections 3929.10 and 3929.11 of the Revised Code shall, in any proceeding to enforce the liability which it has assumed to incur, be estopped to deny its corporate power to execute such instrument or assume such liability.

Ohio Rev. Code Ann. § 3929.14 Sufficiency of bonds executed by guaranty company

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When a bond, recognizance, or undertaking is required or permitted by law, with one or more sureties, its execution or the guaranteeing thereof, as sole surety, is sufficient if done by a company authorized to guarantee the fidelity of persons holding places of public or private …

Ohio Rev. Code Ann. § 3929.141 Surety for guaranteed arrest bond certificates issued by automobile club or association

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(A) Any domestic or foreign insurance company that is authorized to transact surety business pursuant to division (A)(19) or (20) of section 3929.01 of the Revised Code, may, in any year, become surety in an amount not to exceed two hundred dollars with respect to each of any gua…

Ohio Rev. Code Ann. § 3929.15 Allowance of premium to surety company

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A judge, court, or officer, whose duty it is to pass upon the account of an assignee, trustee, receiver, guardian, executor, administrator, or other fiduciary, required by law to give bond, whenever such fiduciary has given bond with a surety company as surety thereon in the sett…

Ohio Rev. Code Ann. § 3929.16 Bonds of public officers

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Sections 3929.14 and 3929.15 of the Revised Code authorize such a guaranty company as is described therein to become surety upon the bond required by law of any state officer, except the superintendent of insurance, and of any county, township, or municipal officer. Such company …

Ohio Rev. Code Ann. § 3929.17 Payment of premiums on bonds

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The premium of any licensed surety company on the bond of any public officer, deputy, or employee shall be allowed and paid by the state, county, township, municipal corporation, or other subdivision, or board of education, of which such person giving the bond is such officer, de…

Ohio Rev. Code Ann. § 3929.18 Lien of mutual companies for premium notes

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Any building insured by a mutual company must be pledged to such company, together with the right and title of the insured in the land upon which it is situated, to the amount of the premium note or contingent liability, and the company shall have a lien on such building and land…

Ohio Rev. Code Ann. § 3929.19 Cancellation of policies

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A fire insurance company doing business under the laws of this state, which issues policies of insurance covering property located in this state, and on such policies receives from the persons insured either cash payments of premium, or notes subject to assessment for payment of …

Ohio Rev. Code Ann. § 3929.20 Rates of cancellation for cash policies

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When a policy issued on the cash plan is canceled, in accordance with section 3929.19 of the Revised Code, the company issuing such policy may retain customary short rates, as established and charged by companies doing a cash business, for the time the policy has been in force, a…

Ohio Rev. Code Ann. § 3929.21 Rates of cancellation for policies on the mutual plan

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When a policy issued on the mutual plan is canceled in accordance with section 3929.19 of the Revised Code, the company issuing such policy must surrender to the insured the note received from him for premium or payment of losses. Such policy shall first be sent to the secretary …

Ohio Rev. Code Ann. § 3929.22 Rates of cancellation for policies on installment plan

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When a policy issued on the installment plan is canceled, in accordance with section 3929.19 of the Revised Code, the company issuing such policy may collect of the insured the customary short rates for the time the policy has been in force, said rates to be computed on the full …

Ohio Rev. Code Ann. § 3929.24 Enforcement by superintendent

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When it comes to the knowledge of the superintendent of insurance, or an officer having charge of the division of insurance, that any one of sections 3929.19 to 3929.22, inclusive, of the Revised Code, has been violated, he shall at once make a thorough investigation in regard to…

Ohio Rev. Code Ann. § 3929.25 Extent of liability under policy

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A person, company, or association insuring any building or structure against loss or damage by fire or lightning shall have such building or structure examined by his or its agent, and a full description thereof made, and its insurable value fixed, by such agent. In the absence o…

Ohio Rev. Code Ann. § 3929.26 More than one policy on same property

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When there are two or more insurance policies upon the same property, each policy shall contribute to the payment of the whole or of the partial loss in proportion to the amount of insurance mentioned in each policy. In no case shall the insurer be required to pay more than the a…

Ohio Rev. Code Ann. § 3929.27 Solicitor agent of company

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A person who solicits insurance and procures the application therefor shall be considered as the agent of the party, company, or association thereafter issuing a policy upon such application or a renewal thereof, despite any contrary provisions in the application or policy.

Ohio Rev. Code Ann. § 3929.28 Execution of contracts

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Policies or contracts of insurance made or entered into by a company may be made either with or without its seal. They shall be subscribed by the president of said company, or such other officer as the directors designate for that purpose, and shall be attested by the secretary. …

Ohio Rev. Code Ann. § 3929.29 Restrictions in advertisements - forfeiture

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No fire insurance company organized under the laws of this state, or admitted to do business in this state, shall include in a statement of assets in any public advertisement, card, or circular, any item of value of a class or character not admitted by the superintendent of insur…

Ohio Rev. Code Ann. § 3929.30 Annual report

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The president or the vice-president and the secretary of each insurance company organized under the laws of this or any other state and doing business in this state, annually, on the first day of January or within sixty days thereafter, shall prepare, under oath, and deposit in t…

Ohio Rev. Code Ann. § 3929.302 Annual claims report by medical malpractice insurers - fine - confidentiality

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(A) The superintendent of insurance, by rule adopted in accordance with Chapter 119. of the Revised Code, shall require each authorized insurer, surplus lines insurer, risk retention group, self-insurer, captive insurer, the medical liability underwriting association if created u…

Ohio Rev. Code Ann. § 3929.31 Special report

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The annual statement required by section 3929.30 of the Revised Code of a company, whose capital is composed in whole or part of notes, shall exhibit, in addition to the information specified in said section, the amount of notes which originally formed its capital, and what propo…

Ohio Rev. Code Ann. § 3929.32 Prohibition against failure to make statement

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No company organized under a law of this state, another state, or a foreign government shall fail to make and deposit the statement required by sections 3929.30 and 3929.31 of the Revised Code, or to reply to an inquiry of the superintendent of insurance with respect to that stat…

Ohio Rev. Code Ann. § 3929.33 Schedule of experience as to liabilities with annual statement

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The indebtedness for outstanding losses under insurance against loss or damage resulting from accident to, or injuries suffered by, an employee or other person, for which the insured is liable, and under insurance against loss from liability on account of the death of or injury t…

Ohio Rev. Code Ann. § 3929.34 Distribution of unallocated payments

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(A) All unallocated payments in division (B) of section 3929.33 of the Revised Code made in a given calendar year subsequent to the first four years in which a corporation has been issuing such policies shall be distributed as follows: (1) Thirty-five per cent shall be charged to…

Ohio Rev. Code Ann. § 3929.35 Determination of indebtedness charged for outstanding losses

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Each corporation of the type described in section 3929.33 of the Revised Code shall be charged with indebtedness for outstanding losses upon its policies determined as follows:(A) For all suits being defended under policies written more than ten years prior to the date as of whic…

Ohio Rev. Code Ann. § 3929.36 Schedule requirements for corporations issuing certain policies

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A corporation which has been issuing policies covering the kinds of insurance described in section 3929.33 of the Revised Code for a period of less than ten years shall include in its annual statement a schedule as required by sections 3929.33 to 3929.35, inclusive, of the Revise…

Ohio Rev. Code Ann. § 3929.37 Action by attorney general

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On the request of the superintendent of insurance, the attorney general shall institute the action authorized by section 3929.32 of the Revised Code against a delinquent company in the court of appropriate jurisdiction in Franklin county, or in the court of appropriate jurisdicti…

Ohio Rev. Code Ann. § 3929.41 Purposes

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The purposes of sections 3929.41 to 3929.49 of the Revised Code are to: (A) Assure stability in the property insurance market; (B) Assure the availability of basic property insurance as defined by sections 3929.41 to 3929.49 of the Revised Code; (C) Assure the availability, at th…

Ohio Rev. Code Ann. § 3929.42 Urban homeowners insurance definitions

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As used in sections 3929.41 to 3929.49 of the Revised Code, or any regulations adopted pursuant thereto: (A) "Basic property insurance" means insurance against direct loss to property as defined and limited in standard fire policies and extended coverage endorsements thereon, as …

Ohio Rev. Code Ann. § 3929.43 Ohio fair plan underwriting association

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(A) The Ohio fair plan underwriting association is hereby created consisting of all insurers authorized to write within this state, on a direct basis, basic property insurance or any component thereof in multi-peril policies, to assist applicants to secure basic property insuranc…

Ohio Rev. Code Ann. § 3929.44 Application by person unable to obtain basic property or homeowners insurance

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(A) Any person having an insurable interest in real property or tangible personal property, or both, at a fixed location, who has been unable to obtain basic property insurance or homeowners insurance may apply to the Ohio fair plan underwriting association. (B) The association m…

Ohio Rev. Code Ann. § 3929.45 Examination into operation of association

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The superintendent of insurance or any person designated by him may visit and examine into the operation of the Ohio fair plan underwriting association and shall have free access to all the books, records, files, papers, and documents that relate to the operation of the associati…

Ohio Rev. Code Ann. § 3929.46 Superintendent may require reports from insurers

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The superintendent of insurance may require such reports from insurers concerning risks insured under any plan approved pursuant to sections 3929.41 to 3929.49 of the Revised Code, as he finds necessary. Last updated March 12, 2024 at 9:16 AM

Ohio Rev. Code Ann. § 3929.47 Appeals - judicial review

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Any person or insurer aggrieved by any action or decision of the administrator of the plan, the Ohio fair plan underwriting association, or of any insurer as a result of its participation therein, may appeal to the board of governors. The decision of the board of governors may be…

Ohio Rev. Code Ann. § 3929.48 Immunity

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There shall be no liability on the part of, and no cause of action of any nature shall arise against any insurer, inspection bureau, or the Ohio fair plan underwriting association, or a director, agent, or employee of any of these, or the superintendent of insurance or his author…

Ohio Rev. Code Ann. § 3929.481 Issuing fair plan policies

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The Ohio fair plan underwriting association is authorized to issue fair plan policies of insurance in its own name and to perform acts relative thereto in accordance with the plan of operation. The association is exempt from all license fees, and income, franchise, premium, and p…

Ohio Rev. Code Ann. § 3929.482 Contracts to provide administrative and claims adjusting services

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(A) The Ohio fair plan underwriting association by action of its board of governors, with the approval of the superintendent of insurance, is authorized to enter into a contract with the Ohio mine subsidence insurance underwriting association to provide administrative and claims …

Ohio Rev. Code Ann. § 3929.49 Furnishing information to show compliance with law

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The superintendent of insurance may, at any time, require any property insurer to furnish him with such information as he finds necessary in order to determine whether such insurer is complying with sections 3929.41 to 3929.49 of the Revised Code. Last updated March 12, 2024 at 9…