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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. § 3905.041 Exceptions to program of insurance education or examination requirement
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(A)(1) An individual who applies for a resident insurance agent license in this state within ninety days after establishing a principal place of residence or principal place of business in this state shall not be required under section 3905.04 of the Revised Code to complete a pr…
Ohio Rev. Code Ann. § 3905.05 Application for resident insurance agent license
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(A) A natural person shall apply for a resident insurance agent license by submitting to the superintendent of insurance the uniform application or any other application prescribed by the superintendent, any additional information required by the superintendent, and a declaration…
Ohio Rev. Code Ann. § 3905.051 Criminal records check; fingerprinting; confidentiality
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(A) As used in this section: (1)(a) "Applicant" means a natural person applying for either of the following: (i) A resident license as an insurance agent or surety bail bond agent; (ii) An additional line of authority under an existing resident insurance agent license if a crimin…
Ohio Rev. Code Ann. § 3905.06 Issuance and contents of license - lines of authority
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Showing 301–350 of 1,367

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(A)(1) The superintendent of insurance shall issue a resident insurance agent license to an individual applicant whose home state is Ohio upon submission of a completed application and payment of any applicable fee required under this chapter, if the superintendent finds all of t…

Ohio Rev. Code Ann. § 3905.061 Agent to file of change of address

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(A) If a person licensed as an insurance agent under section 3905.06 of the Revised Code changes the person's address within the state, the person shall, within thirty days after making that change, file a change of address with the superintendent of insurance or the superintende…

Ohio Rev. Code Ann. § 3905.0610 Classification of travel insurance; eligibility and underwriting standards

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(A)(1) Except as provided in division (A)(2) of this section, travel insurance shall be classified and filed, for purposes of rates and forms, under an inland marine line of insurance. (2) Travel insurance that provides coverage for sickness, accident, disability, or death occurr…

Ohio Rev. Code Ann. § 3905.0611 Rules

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The superintendent may adopt rules as needed to implement sections 3905.064 to 3905.0611 of the Revised Code. Last updated June 8, 2022 at 1:13 PM

Ohio Rev. Code Ann. § 3905.062 Portable electronics insurance

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(A) As used in this section: (1) "Customer" means a person who purchases portable electronics or services. (2) "Enrolled customer" means a customer who elects coverage under a portable electronics insurance policy issued to a vendor of portable electronics by an insurer. (3) "End…

Ohio Rev. Code Ann. § 3905.063 Self-service storage insurance; license required

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(A) As used in this section:(1) "Customer" means a person who obtains the use of storage space from a self-service storage facility under the terms of a self-storage rental agreement.(2) "Endorsee" means an employee or authorized representative of a self-service storage facility …

Ohio Rev. Code Ann. § 3905.064 Travel insurance definitions

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As used in sections 3905.064 to 3905.0611 of the Revised Code: (A) "Aggregator site" means a web site that provides access to information regarding insurance products from more than one insurer, including product and insurer information, for use in comparison shopping. (B) "Blank…

Ohio Rev. Code Ann. § 3905.065 Travel insurance agent license; travel protection plans; policy requirements

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(A) No person shall offer or sell travel insurance except as provided in sections 3905.064 to 3905.0611 of the Revised Code. (B) Notwithstanding any other provision of law, the superintendent of insurance may issue to an individual or business entity a limited lines travel insura…

Ohio Rev. Code Ann. § 3905.066 Travel retailers

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(A) Notwithstanding any other provision of law, a travel retailer may offer and sell travel insurance under a limited lines travel insurance agent that is a business entity if all of the following conditions are met: (1) The limited lines travel insurance agent or travel retailer…

Ohio Rev. Code Ann. § 3905.067 Unfair and deceptive acts or practices

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(A) Except as otherwise provided in this section, all persons offering travel insurance to residents of this state are subject to sections 3901.19 to 3901.26 of the Revised Code. (B) Any limited lines travel insurance agent, or any travel retailer offering or selling travel insur…

Ohio Rev. Code Ann. § 3905.068 Tax on travel insurance premiums

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(A) A travel insurer shall pay premium tax, as provided in Chapters 5725. and 5729. of the Revised Code, on travel insurance premiums paid by any of the following: (1) An individual primary policyholder who is a resident of this state; (2) A primary certificate holder who is a re…

Ohio Rev. Code Ann. § 3905.069 Travel administrators

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(A) Notwithstanding any other provisions of Title XXXIX of the Revised Code, no person shall act or represent the person's self as a travel administrator for travel insurance in this state unless that person holds one of the following licenses in good standing in this state: (1) …

Ohio Rev. Code Ann. § 3905.07 Nonresident insurance agent or surplus lines broker license; renewal

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(A) The superintendent of insurance shall issue a nonresident insurance agent license to an applicant that is a nonresident person upon payment of all applicable fees required under this chapter if the superintendent finds all of the following: (1) The applicant is currently lice…

Ohio Rev. Code Ann. § 3905.071 Nonresident to file change of address

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(A)(1) If a nonresident person licensed as a nonresident insurance agent under section 3905.07 of the Revised Code changes the person's address within the person's state of residence, the person shall, within thirty days after making that change, file a change of address with the…

Ohio Rev. Code Ann. § 3905.072 Nonresident limited lines insurance agent license

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Notwithstanding any other provision of this chapter, the superintendent of insurance shall issue to a nonresident person licensed as a limited line credit insurance agent or other type of limited lines insurance agent in the person's home state a nonresident limited lines insuran…

Ohio Rev. Code Ann. § 3905.08 Reciprocity

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(A) The superintendent of insurance shall waive all requirements under this chapter for a nonresident applicant with a valid license from the applicant's home state, except the requirements set forth in sections 3905.07 to 3905.072 of the Revised Code, if the applicant's home sta…

Ohio Rev. Code Ann. § 3905.081 Waiving licensing requirement for nonresident persons in violation of federal reciprocity requirements

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Notwithstanding any other provision of this chapter, the superintendent of insurance may waive any licensing requirement for nonresident persons that the superintendent determines is in violation of the reciprocity requirements set forth in section 321 of the "Financial Services …

Ohio Rev. Code Ann. § 3905.09 Temporary insurance agent license

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(A) The superintendent of insurance may issue a temporary insurance agent license to any of the following persons if the superintendent determines that the license is necessary for the servicing of insurance business:(1) The surviving spouse or court-appointed personal representa…

Ohio Rev. Code Ann. § 3905.11 Agent's use of assumed name

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An insurance agent that intends to do business in this state under any name other than the agent's legal name shall notify the superintendent of insurance prior to using the assumed name.

Ohio Rev. Code Ann. § 3905.12 Rules

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(A) The superintendent of insurance may adopt rules in accordance with Chapter 119. of the Revised Code to do the following: (1) Establish procedures for the issuance, renewal, late renewal, extension, reactivation, and reinstatement of insurance agent licenses;(2) Provide for th…

Ohio Rev. Code Ann. § 3905.14 Disciplinary actions

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(A) As used in sections 3905.14 to 3905.16 of the Revised Code: (1) "Insurance agent" includes a limited lines insurance agent, surety bail bond agent, and surplus line broker. (2) "Refusal to issue or renew" means the decision of the superintendent of insurance not to process ei…

Ohio Rev. Code Ann. § 3905.15 Hearing to determine administrative action modification

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(A) Upon written application of a person whose license was denied, suspended, revoked, or surrendered for cause under section 3905.14 of the Revised Code, except for a person whose license was denied for a disqualifying offense pursuant to section 9.79 of the Revised Code, the su…

Ohio Rev. Code Ann. § 3905.16 Surrender of license

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(A)(1) Except as provided in division (A)(2) of this section, any person licensed as an agent under this chapter may at any time surrender any or all licenses held by the person. (2) No agent shall surrender the agent's licenses if the superintendent of insurance is investigating…

Ohio Rev. Code Ann. § 3905.18 Paying unlawful consideration

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(A) Neither an insurer nor an insurance agent shall pay a commission, service fee, brokerage fee, or other type of consideration to a person for selling, soliciting, or negotiating insurance in this state, if the person is required to be licensed by the superintendent of insuranc…

Ohio Rev. Code Ann. § 3905.181 Accepting consideration without license

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A person shall not accept a commission, service fee, brokerage fee, or other type of consideration for selling, soliciting, or negotiating insurance in this state if that person is required to be licensed under this chapter and is not so licensed.

Ohio Rev. Code Ann. § 3905.182 Sale of shares of capital stock of life insurance company or agency

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No person licensed to sell life insurance under this chapter, although also licensed to sell securities under section 1707.32 of the Revised Code, shall sell, or receive any compensation in regard to the sale of, any shares of capital stock of any life insurance company or agency…

Ohio Rev. Code Ann. § 3905.20 Appointment of insurance agent to act as agent of insurer

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(A) An insurance agent shall not act as an agent of an insurer unless the insurance agent is appointed as an agent of the insurer. An insurance agent who does not act as an agent of an insurer shall not be required to be appointed as an agent of the insurer. For purposes of this …

Ohio Rev. Code Ann. § 3905.201 Limited line credit insurance program of instruction

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(A) Each insurer that sells, solicits, or negotiates any form of limited line credit insurance shall provide a program of instruction to each insurance agent whose duties will include selling, soliciting, or negotiating limited line credit insurance. The program of instruction sh…

Ohio Rev. Code Ann. § 3905.21 Notice of terminating relationship with insurance agent

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(A) An insurer or authorized representative of an insurer that terminates the appointment, employment, contract, or other insurance business relationship with an insurance agent shall notify the superintendent of insurance, in the manner prescribed by the superintendent, within t…

Ohio Rev. Code Ann. § 3905.211 Immunity

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(A) In the absence of actual malice, an insurer, the authorized representative of an insurer, an insurance agent, the superintendent of insurance, or any organization of which the superintendent is a member, which organization compiles the information provided pursuant to section…

Ohio Rev. Code Ann. § 3905.212 Sanctions

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The superintendent of insurance may, in accordance with Chapter 119. of the Revised Code, suspend or revoke the certificate of authority or license of any person that fails to comply with section 3905.21 of the Revised Code or that has been found by a court of competent jurisdict…

Ohio Rev. Code Ann. § 3905.22 Agent to provide notice of administrative action or of prosecution and disposition

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(A) An insurance agent shall provide notice to the superintendent of insurance of any administrative action taken against the agent in another jurisdiction or by another governmental agency having professional, occupational, or financial licensing authority within thirty days aft…

Ohio Rev. Code Ann. § 3905.24 Confidentiality of records and information - exceptions

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(A)(1) All records and other information obtained by the superintendent of insurance or the superintendent's deputies, examiners, assistants, or other employees, or agents relating to an investigation of an applicant for licensure under this chapter, or of an agent, solicitor, br…

Ohio Rev. Code Ann. § 3905.26 Centralized agent license registry

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(A) The superintendent of insurance may participate, in whole or in part, with the NAIC or any of its affiliates or subsidiaries, in a centralized agent license registry in which insurance agent licenses and appointments are centrally or simultaneously effected for all states tha…

Ohio Rev. Code Ann. § 3905.28 Rules

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The superintendent of insurance may adopt rules in accordance with Chapter 119. of the Revised Code to carry out the purposes of sections 3905.01 to 3905.28 of the Revised Code.

Ohio Rev. Code Ann. § 3905.29 Mutual protective associations exempted

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Sections 3905.01 to 3905.28 of the Revised Code do not apply to associations organized and operating under sections 3939.01 to 3939.11 of the Revised Code.

Ohio Rev. Code Ann. § 3905.30 Resident and nonresident surplus lines broker's license

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(A) As used in sections 3905.30 to 3905.38 of the Revised Code:(1) Notwithstanding section 3905.01 of the Revised Code, "home state" means the state in which an insured maintains its principal place of business or, in the case of an individual, the individual's principal residenc…

Ohio Rev. Code Ann. § 3905.31 Prohibitions

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(A) No person not licensed under section 3905.30 of the Revised Code shall take or receive any application for such insurance upon property or persons in this state, or receive or collect a premium or any part thereof for any unauthorized insurance company, or attempt or assist i…

Ohio Rev. Code Ann. § 3905.32 License fees

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For each initial license issued under section 3905.30 of the Revised Code and renewal of that license, the superintendent of insurance shall collect one hundred dollars. Last updated September 6, 2023 at 2:43 PM

Ohio Rev. Code Ann. § 3905.33 Unauthorized insurers; applicability and construction of federal provisions; due diligence

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(A) No person licensed under section 3905.30 of the Revised Code shall solicit, procure an application for, bind, issue, renew, or deliver a policy with any insurer that is not eligible to write insurance on an unauthorized basis in this state.Pursuant to the "Nonadmitted and Rei…

Ohio Rev. Code Ann. § 3905.331 Exempt commercial purchasers; qualifications; qualified risk managers

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(A) A person purchasing commercial insurance qualifies as an exempt commercial purchaser if, at the time of placement, the exempt commercial purchaser satisfies all of the following requirements: (1) The person employs or retains a qualified risk manager to negotiate insurance co…

Ohio Rev. Code Ann. § 3905.332 Designation as domestic surplus lines insurer

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(A) Notwithstanding any other provision of the Revised Code, a domestic insurer may be designated a domestic surplus lines insurer pursuant to this section. (B) A domestic insurer shall not be designated a domestic surplus lines insurer unless all of the following are met: (1) Th…

Ohio Rev. Code Ann. § 3905.34 Separate accounts

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Each person licensed under section 3905.30 of the Revised Code shall keep a separate account of the business done under the person's license. On or before the thirty-first day of March or when required under the compact entered into by the superintendent of insurance as authorize…

Ohio Rev. Code Ann. § 3905.35 Bond

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Before an applicant receives a resident license under section 3905.30 of the Revised Code, the person named in the license shall execute and deliver to the superintendent of insurance a bond in the sum of twenty-five thousand dollars, payable to the state and conditioned that the…

Ohio Rev. Code Ann. § 3905.36 Taxing firms dealing with unauthorized foreign insurers; waiver of penalty and interest charges; surplus lines brokers

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(A) Every insured association, company, corporation, or other person that enters, directly or indirectly, into any independent procurement or direct placement agreement with any insurance company, association, individual, firm, underwriter, or Lloyd's, not authorized to do busine…

Ohio Rev. Code Ann. § 3905.37 Prohibited acts

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No person, company, association, or corporation shall fail to make the report required in section 3905.36 of the Revised Code and to furnish all the information that is required to determine the amount due under that section.

Ohio Rev. Code Ann. § 3905.38 Exemptions

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(A) Sections 3905.30 to 3905.37 of the Revised Code do not apply where this state is not the home state of the insured. (B) Sections 3905.36 to 3905.38 of the Revised Code do not extend to private citizens, firms, or corporations, residents of this state, who seek to provide inde…