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Ohio Statutes, Title 39

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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

1,367 sections·Filtered byTitle 39✕

Ohio Rev. Code Ann. § 3931.101 Employees primarily performing inspection underwriting, loss prevention engineering and claim services
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The provisions of Chapter 3905. of the Revised Code, relating to the appointment, licensing, qualification and regulation of insurance agents, brokers, and solicitors shall apply to all persons authorized to solicit powers of attorney or applications for contracts of indemnity fo…
Ohio Rev. Code Ann. § 3931.102 Rules requiring minimum assets
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(A) Notwithstanding any other section of the Revised Code with regard to issuing the initial license, or the renewal of such a license, to an attorney pursuant to this chapter after May 21, 1976, the superintendent of insurance may adopt rules in accordance with Chapter 119. of t…
Ohio Rev. Code Ann. § 3931.11 List of persons authorized to solicit - revocation of authority
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Every attorney shall certify to the superintendent of insurance the names and addresses of the attorney's traveling full time salaried non-commission employees, primarily engaged in performing underwriting, loss prevention engineering and claim services, authorized by the attorne…
Ohio Rev. Code Ann. § 3931.12 Contracts solicited without license during organization

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For the purposes of organization and upon the issuance of a permit by the superintendent of insurance, powers of attorney and applications for contracts of indemnity may be solicited without the license required by section 3931.10 of the Revised Code, but no attorney or other per…

Ohio Rev. Code Ann. § 3931.13 Effect of child support default on license

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On receipt of a notice pursuant to section 3123.43 of the Revised Code, the superintendent of insurance shall comply with sections 3123.41 to 3123.50 of the Revised Code and any applicable rules adopted under section 3123.63 of the Revised Code with respect to a license issued pu…

Ohio Rev. Code Ann. § 3931.99 Penalty

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Whoever violates sections 3931.01 to 3931.12, inclusive, of the Revised Code, or fails to comply with any duty imposed by such sections, for which violation or failure no penalty is otherwise provided by law, shall be fined not more than five hundred dollars.

Ohio Rev. Code Ann. § 3933.01 Prohibition against rebates and advantages in policies

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No corporation, association, or partnership engaged in this state in the guaranty, bonding, surety, or insurance business, other than life insurance, nor any officer, agent, solicitor, employee, or representative thereof, shall pay, allow, or give, or offer to pay, allow, or give…

Ohio Rev. Code Ann. § 3933.02 Testimony required - immunity

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No person shall be excused from attending, testifying, or producing any books, papers, or other documents before any court or magistrate having jurisdiction, upon any investigation, proceeding, or trial for a violation of any of sections 3933.01 to 3933.03, inclusive, of the Revi…

Ohio Rev. Code Ann. § 3933.03 Revocation of license

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The superintendent of insurance, upon the conviction of any agent for a violation of sections 3933.01 to 3933.03, inclusive, of the Revised Code, shall revoke the license of such agent, and no license shall be granted to such agent for a period of three years after such revocatio…

Ohio Rev. Code Ann. § 3933.04 Sellers of real estate and personal property may require purchase of insurance from particular company

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No person, firm, or corporation engaged in selling real or personal property, and no trustee, director, officer, agent, or other employee of any such person, firm, or corporation, shall require, as a condition precedent to the sale of such property, that the person, firm, or corp…

Ohio Rev. Code Ann. § 3933.05 Prohibition

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No corporation and no officer, agent, solicitor, or other person shall violate sections 3933.01 to 3933.04, inclusive, of the Revised Code. Fines levied and collected for the violation of this section shall be paid to the county treasurer for the use of the schools as provided in…

Ohio Rev. Code Ann. § 3933.99 Penalty

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(A) Whoever violates section 3933.04 of the Revised Code shall be fined not less than one hundred nor more than five hundred dollars or imprisoned not more than six months, or both.(B) Whoever violates section 3933.05 of the Revised Code shall be fined not less than one hundred n…

Ohio Rev. Code Ann. § 3935.01 Effect of sections - liberal interpretation

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Sections 3935.01 to 3935.17, inclusive, of the Revised Code do not prohibit or discourage reasonable competition, or prohibit or encourage uniformity in insurance rates, rating systems, rating plans, or practices. Such sections shall be liberally interpreted to carry this section…

Ohio Rev. Code Ann. § 3935.02 Application of sections - exceptions

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Sections 3935.01 to 3935.17, inclusive, of the Revised Code apply to all kinds of insurance on risks located in this state which stock, mutual, reciprocal fire and marine insurers, and title insurance companies, as defined in division (C) of section 3953.01 of the Revised Code, e…

Ohio Rev. Code Ann. § 3935.03 Rating regulations

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Rates shall be made as follows:(A) Manual, minimum class rates, rating schedules, or rating plans shall be made and adopted, except in the case of specific inland marine rates on risks specially rated.(B) Rates shall not be excessive, inadequate, or unfairly discriminatory.(C) Co…

Ohio Rev. Code Ann. § 3935.04 Filing of rates and schedules with superintendent - procedure

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As used in sections 3935.01 to 3935.17 of the Revised Code, "filing" or "filings" means the whole or any part thereof. (A)(1) Every insurer shall file with the superintendent of insurance, except as to inland marine risks which by general custom of the business are not written ac…

Ohio Rev. Code Ann. § 3935.05 Processing of filings

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(A) If within the waiting period as provided in division (D) of section 3935.04 of the Revised Code, the superintendent of insurance finds that a filing does not meet the requirements of section 3935.01 to 3935.17 of the Revised Code, he shall send to the insurer or rating bureau…

Ohio Rev. Code Ann. § 3935.06 Licenses for rating bureaus - discrimination prohibited - review by superintendent

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A corporation, an unincorporated association, a partnership, or an individual, whether located within or outside this state, may make application to the superintendent of insurance for license as a rating bureau for such kinds of insurance, or subdivision or class of risk or a pa…

Ohio Rev. Code Ann. § 3935.07 Deviation from rates filed by bureau

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Every member of, or subscriber to, a rating bureau shall adhere to the filings made on its behalf by the bureau, except that any insurer who is such a member or subscriber may make written application to the superintendent of insurance for permission to file a deviation from the …

Ohio Rev. Code Ann. § 3935.08 Appeal to superintendent from action of rating bureau

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Any member of, or subscriber to, a rating bureau may appeal to the superintendent of insurance from the action of such rating bureau in approving or rejecting any proposed change in, or addition to, the filings of such rating bureau. The superintendent shall, after a hearing held…

Ohio Rev. Code Ann. § 3935.09 Rate information furnished - right of review

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Every rating bureau and every insurer which makes its own rates shall, within a reasonable time after receiving written request therefor and upon the payment of such reasonable charge as it may make, furnish to any insured affected by a rate made by it, or to the authorized repre…

Ohio Rev. Code Ann. § 3935.10 Reporting loss and expense experience - interchange of data and co-operation with other states

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The superintendent of insurance shall promulgate rules and statistical plans, reasonably adopted to each of the rating systems on file with him, which may be modified from time to time and which shall be used thereafter by each insurer in the recording and reporting of its loss a…

Ohio Rev. Code Ann. § 3935.11 Examination of rating bureau

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The superintendent of insurance shall, at least once in five years, make an examination of each rating bureau licensed in this state as provided in section 3935.06 of the Revised Code, and he may, as often as he considers it expedient, make an examination of each advisory organiz…

Ohio Rev. Code Ann. § 3935.12 Advisory organizations

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(A) Every group, association, or other organization of insurers, whether located within or outside this state, which assists insurers which make their own filings or rating bureaus in rate making, by the collection and furnishing of loss or expense statistics, or by the submissio…

Ohio Rev. Code Ann. § 3935.13 Regulations for joint underwriting or joint reinsurance

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Every group, association, or other organization of insurers which engages in joint underwriting or joint reinsurance shall be subject to regulation with respect to such underwriting or reinsurance as provided in this section, subject, with respect to joint underwriting, to sectio…

Ohio Rev. Code Ann. § 3935.14 Copy of order of superintendent - appeal from order - procedure

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After the superintendent of insurance makes an order, he shall, not later than the day following the issuance thereof, serve a certified copy of such order upon the parties, together with a statement of the time and method by which an appeal may be perfected. A copy of such order…

Ohio Rev. Code Ann. § 3935.16 General prohibition - suspension of license

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The superintendent of insurance may suspend the license of any rating bureau or insurer which fails to comply with an order of the superintendent within the time limited by such order, or any extension thereof which the superintendent grants. The superintendent shall not suspend …

Ohio Rev. Code Ann. § 3935.17 Applicability of sections

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Section 3927.05 of the Revised Code is not repealed or affected by sections 3935.01 to 3935.17, inclusive, of the Revised Code, but compliance with sections 3935.01 to 3935.17, inclusive, of the Revised Code, shall not be deemed to be a violation of section 3927.05 of the Revised…

Ohio Rev. Code Ann. § 3935.99 Penalty

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(A) Whoever violates sections 3935.01 to 3935.17, inclusive, of the Revised Code, shall be fined not less than fifty nor more than five hundred dollars.

Ohio Rev. Code Ann. § 3937.01 Regulation of rates for casualty insurance - exceptions

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Sections 3937.01 to 3937.16 of the Revised Code apply to casualty insurance including fidelity, surety, and guaranty bonds, and to all forms of motor vehicle insurance, on risks or operations in this state, except:(A) Reinsurance, other than joint reinsurance to the extent stated…

Ohio Rev. Code Ann. § 3937.011 Application of sections

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Sections 3937.01 to 3937.17, inclusive, of the Revised Code apply to subscribers, their attorneys or representatives authorized to exchange reciprocal or interinsurance contracts under sections 3931.01 to 3931.12, inclusive, of the Revised Code.

Ohio Rev. Code Ann. § 3937.02 Basic provisions for rate making

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All casualty rates shall be made in accordance with the following:(A) Due consideration shall be given to:(1) Past and prospective loss experience within and outside this state;(2) The experience or judgment, or both, of the insurer or rating organization making the rate;(3) The …

Ohio Rev. Code Ann. § 3937.021 Relevant factors for determining rates

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In determining rates for motor vehicle insurance, an insurer shall not consider the fact that an applicant does not have motor vehicle insurance covering the applicant's motor vehicle at the time of his application for such insurance, unless the insurer has an actuarial justifica…

Ohio Rev. Code Ann. § 3937.03 Classifications - rules - rates - rating plan

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(A)(1) Every insurer shall file with the superintendent of insurance every form of a policy, endorsement, rider, manual of classifications, rules, and rates, every rating plan, and every modification of any of them which it proposes to use. Every such filing shall state any propo…

Ohio Rev. Code Ann. § 3937.04 Hearing on rates and filings

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(A) If at any time the superintendent of insurance finds that a rate to which sections 3937.01 to 3937.17 of the Revised Code apply does not comply with such sections, he may, after a hearing held upon not less than twenty days' written notice as provided in division (C) of this …

Ohio Rev. Code Ann. § 3937.05 Application for license as rating organization

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(A) A corporation, an unincorporated association, a partnership, or an individual, whether located within or outside this state, may make application to the superintendent of insurance for license as a rating organization for such kinds of insurance or subdivisions thereof as are…

Ohio Rev. Code Ann. § 3937.06 Deviation from filings

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Every member or subscriber to a rating organization shall adhere to the filings made on its behalf by such organization except that any such insurer may file with the superintendent of insurance a uniform percentage decrease or increase to be applied to the premiums produced by t…

Ohio Rev. Code Ann. § 3937.07 Advisory organizations

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Any member of or subscriber to a rating organization may appeal to the superintendent of insurance from the action or decision of such rating organization in approving or rejecting any proposed change in or addition to the filings of such rating organization and the superintenden…

Ohio Rev. Code Ann. § 3937.08 Rate information furnished insurer upon request - right of review and appeal

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Every rating organization, and every insurer which makes its own rates, shall within a reasonable time after receiving written request therefor, and upon payment of such reasonable charge as it may make, furnish to any insured affected by a rate made by it, or to the authorized r…

Ohio Rev. Code Ann. § 3937.09 Advisory organization - functions - requirements - order of superintendent

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(A) Every group, association, or other organization of insurers, whether located within or outside this state, which assists insurers which make their own filings or rating organizations in rate making, by the collection and furnishing of loss or expense statistics, or by the sub…

Ohio Rev. Code Ann. § 3937.10 Regulations for joint underwriting and joint reinsurance

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(A) Every group, association, or other organization of insurers which engages in joint underwriting or joint reinsurance is subject to regulation with respect thereto as provided in this section, subject, with respect to joint underwriting, to sections 3937.01 to 3937.17, inclusi…

Ohio Rev. Code Ann. § 3937.11 Examination of rating organization

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The superintendent of insurance shall, at least once in five years, make an examination of each rating organization licensed in this state as provided in section 3937.05 of the Revised Code. Such superintendent may, as often as he deems it expedient, make an examination of each a…

Ohio Rev. Code Ann. § 3937.12 Report of loss experience - interchange of rating plan data

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Subject to sections 119.01 to 119.13, inclusive, of the Revised Code, the superintendent of insurance may promulgate reasonable rules for the reporting by each insurer of its loss experience, in order that such experience of all insurers may be made available, at least annually, …

Ohio Rev. Code Ann. § 3937.13 Agreement for apportionment of insurance

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Agreements may be made among insurers with respect to the equitable apportionment among them of insurance which may be afforded applicants who are in good faith entitled to, but who are unable to procure, such insurance through ordinary methods. Insurers may agree among themselve…

Ohio Rev. Code Ann. § 3937.14 Withholding information or making false statements

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No person or organization shall willfully withhold information from, or knowingly give false or misleading information to, the superintendent of insurance, any statistical agency designated by the superintendent, any rating organization, or any insurer, which will affect the rate…

Ohio Rev. Code Ann. § 3937.15 Insurer may request hearing - review of an order or decision of superintendent

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Any insurer or rating organization aggrieved by any order or decision of the superintendent of insurance made without a hearing, may, within thirty days after notice of the order to the insurer or organization, make written request to the superintendent for a hearing thereon. The…

Ohio Rev. Code Ann. § 3937.16 License may be suspended

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The superintendent of insurance may suspend the license of any rating organization or insurer which fails to comply with an order of the superintendent within the time limited by such order, or any extension thereof which the superintendent may grant.The superintendent shall not …

Ohio Rev. Code Ann. § 3937.17 Interpretation

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Sections 3937.01 to 3937.17, inclusive, of the Revised Code shall be liberally interpreted to the end that insurance rates shall not be excessive, inadequate, or unfairly discriminatory, and co-operative action among insurers in rate making and in other matters within the scope o…

Ohio Rev. Code Ann. § 3937.18 Uninsured and underinsured motorist coverage

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(A) Any policy of insurance delivered or issued for delivery in this state with respect to any motor vehicle registered or principally garaged in this state that insures against loss resulting from liability imposed by law for bodily injury or death suffered by any person arising…

Ohio Rev. Code Ann. § 3937.181 Property damage coverage

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(A) No policy of insurance described in division (A) of section 3937.18 of the Revised Code that includes uninsured motorist coverage, underinsured motorist coverage, or both uninsured and underinsured motorist coverages shall be delivered or issued for delivery unless coverage i…