Ohio

Yes

Yes

Within 30 days of contract execution or first business submission

OH ADC 3901-5-09(K) Each insurer must notify the Superintendent regarding all agents/business entities to represent the insurer within 30 days after the date the agency contract is executed or the first insurance application is submitted.

Yes

$10 per LOA

$10 per LOA

Yes

No

All individual agents, as well as the business entity (aka agency), must be appointed. Companies are invoiced on a monthly basis for agent appointments processed by the department the previous month. The cost of each appointment is $10.00

No

Yes

Required and is the date supplied on transaction. Must not be in the future and must be less than 30 days old. Appointments submitted July 1-July 30 cannot request an effective date prior to July 1st of the same year.

Yes

Ohio automatically sends an invoice via mail. Can be paid via mail or via Ohio's online epay account. Appointments are automatically renewed annually on July 1st. Companies receive an invoice each August for all agent appointments renewed. The cost of each appointment renewed is $10.00.

The month of August

$10

No

No

Yes

Cancelled

Yes

Required and is the date supplied on transaction. Must not be in the future and must be less than 30 days old. Terminations submitted July 1-July 30 cannot request an effective date prior to July 1 of the same year

No fee

No

Notices must be mailed

Resident New License Major Lines: $10 (per LOA)
Resident New License Limited Lines: $10 (per LOA)
Resident New License Surplus Lines Producer: $100 (per application)
Nonresident New License Major Lines: $10 (per LOA)
Nonresident New License Limited Lines: $10 (per LOA)
Nonresident New License Surplus Lines Producer: $100 (per application)

Resident Renewal Major Lines: $0 Resident Renewal Limited Lines: $25 Resident Renewal Surplus Lines Producer: $100 Nonresident Renewal Major Lines: $25 Nonresident Renewal Limited Lines: $25 Nonresident Renewal Surplus Lines Producer: $100

90 days before expiration

Last day of birth month every 2 years based on year of first state license issue

Late renewal allowed up to one year after expiration

90 days before expiration

Last day of birth month every 2 years based on year of first state license issue

Late renewal allowed up to one year after expiration

No

Yes

Residence, Business, and Mailing

Third Party Administrator, Viatical Settlement Broker, Limited Lines, Property and Casualty, Surplus Lines, Life, Title, Public Insurance Adjuster, Reciprocal Exchange, Temporary, Managing General Agent, Major Lines, Public Insurance Adjuster Agent, Reinsurance Intermediary Manager, Title Insurance Marketing Rep, Reinsurance Intermediary Broker, Surety Bail Bond

Yes

Included in Producer License Class. Insurers are not required to appoint Brokers per NAIC PLMA

Yes

Supervised instruction or verifiable self-study

The applicant must present a valid certificate of completion or a notice of pre-license education waiver at the time of the written examination.

The applicant will receive a certificate of completion of the pre-licensing course within 3 days after completion. Certificates may be sent to each applicant electronically, but must be formatted in a manner that prevents changes to the course and applicant information. The certificate is valid for 180 days. An applicant who does not pass the licensing exam within 180 days must take another pre-licensing course for that license type before re-taking the examination.

The following are exempt from pre-license education requirements: a. an applicant for any major line of authority who holds a bachelor or associate degree in insurance, or a related degree with a concentration of insurance courses, from an accredited institution; b. an applicant for the personal lines or property and casualty lines of authority who holds any of the following designations: I. Chartered Property and Casualty Underwriter (CPCU); II. Accredited Advisor in Insurance (AAI); III. Associate in Risk Management (ARM); or IV. Certified Insurance Counselor (CIC); c. an applicant for the life line of authority who holds any of the following designations: I. Chartered Life Underwriter (CLU); II. Certified Employee Benefit Specialist (CEBS); III. Chartered Financial Consultant (ChFC); IV. Certified Insurance Counselor (CIC); V. Certified Financial Planner (CFP); VI. Fellow of the Life Management Institute (FLMI); or VII. Life Underwriter Training Council Fellow (LUTCF); or d. an applicant for the accident and health line of authority who holds any of the following designations: I. Registered Health Underwriter (RHU; II. Certified Employee Benefit Specialist (CEBS); III. Registered Employee Benefits Consultant (REBC); or IV. Health Insurance Associate (HIA). Persons requesting exemption from pre-license education requirements must provide verification of the insurance degree or professional designation prior to exam registration. A separate pre-licensing education waiver must be requested and obtained for each subject matter category. An active military service member or veteran may submit an documentation, evidence, statement, or endorsement that may be available or produced for the Superintendent's consideration to demonstrate substantial equivalence of education and experience while serving in the armed forces to meet the pre-license education requirements. A separate education waiver must be requested and obtained for each subject matter category. A waiver is valid for 180 days from the waiver issuance date. a. No person may be issued more than 1 exemption for each major line of authority. b. If the waiver expires prior to exam passage, the person must complete the required pre-licensing education. c. A waiver extension will be granted if an applicant is actively deployed for military service. No person who surrendered an insurance license or who has had a license suspended, inactivated, cancelled for nonrenewal, or revoked may use the exemptions discussed in paragraph (5) above.

Unless exempt, resident agent applicants must complete pre-licensing education from an Ohio approved pre-licensing provider before taking an examination for any of the following lines of authority: a. life - 20 hours; b. accident and health - 20 hours; c. property - 20 hours; d. casualty - 20 hours; e. personal lines - 20 hours; and f. surety bail bond - 20 hours. Navigator applicants must complete 24 hours of pre-certification education including all of the following, but not limited to: a. compliance with HIPAA and any regulation adopted thereunder; b. ethics; c. provisions of the Patient Protection and Affordable Care Act (ACA); d. levels of coverage available under the ACA; e. eligibility requirements to purchase qualified health plans; f. means of appeal and dispute resolution; g. conflict of interest and impartiality; h. exchange privacy policies and requirements; i. individual eligibility requirements for Medicaid; j. advanced premium tax credits and cost sharing reductions; k. publicly funded health care (Children's Health Insurance Program, Medicaid); and l. eligibility requirements for employers to make insurance available to their employees through the Small Business Health Options Program (SHOP). A navigator applicant that has met the required education standards set forth by the exchange will have subsequently met all education requirements listed in OH ADC 3901-5-13

Yes, for Resident Licensing

Required with Application - National WebCheck

PSI Exams

180 Days

Non-citizens of the U.S. must show proof of U.S. work authorization. Applicant must provide a copy of a work permit issued by the Department of Immigration.

NIPR Gateway

None

No

A licensee must notify the Department within 30 days of a change in: a. name; b. resident address; c. business address; d. mailing address; or e. email address. Contact Change Request supported via NIPR Gateway.

- Individual
- Business Entity

An individual producer must hold a limited lines travel license in the state of Ohio.

A business entity license is required if a business entity is operated under a Federal Tax Identification number that is different than the sole proprietor’s personal individual Social Security Number.

Yes

No

Major line applicants must hold one Major lines license, limited lines applicants must hold limited lines license, surplus line applicants must hold surplus lines license, and title applicants must hold title lines license.

For Major lines: Renewal period starts July 1st on odd numbered years for nonresident entities and even numbered years for resident entities. Renewal period ends Sept. on odd numbered years for nonresident entities and even numbered years for resident entities. Late renewal period ends one year after expiration date. Surplus renewal period is Nov. 1st until Jan. 31st, annually. No late renewal period.

Yes

All producers selling on behalf of or through a business entity are affiliated.

Main license meets requirements

The business entity must report any change of the following information within 30 days: a. name; b. address; c. email address; d. licensed producers or certified insurance navigators; e. officer; f. directors; g. members or owners with 10% or more voting interest; h. ownership of a business entity that has ownership interest in the title agent business entity and include an organizational chart that shows ownership percentages for the title agent entity and the business entity with ownership interest; and i. if a title agent, any change in ownership and include an organizational chart that shows all owners and percentages of ownership Business Entities must submit change via the "Notification of Changes for Business Entity" form on the state's website.

A business entity and its DRLP and any individual producers affiliated with the business must hold limited lines travel licenses in order to sell, solicit, or negotiate travel insurance in Ohio.

Only Public Adjusters

No

None

Annually. The renewal period starts Oct. 1st and ends Dec. 31st.

No exam required for the Agent. The Agent Public Insurance Adjuster type is only available for residents. DRLP is required for Business Entities.

Public Insurance Adjuster, Public Insurance Adjuster Agent

Licensing Fee: $100 Licensing Fee Agent: $50 Renewal Fee: $50

Yes

N/A

Yes

24

2 years

Yes

Last day of birth month

Year of first license issuance

Prior to license expiration.

90 days prior to expiration date

90 days prior to expiration date

Limited lines licensees and inactive agents are exempt from CE.

You have a one month grace period to get current on CE, and renew with a standard renewal fee plus $100 late fee. After one month, the license will be inactive. A license suspended for non renewal can be reinstated within one year of the original license expiration date if the individual satisfies CE, submits a renewal application and remits all applicable fees. In addition to the renewal fee (if required), a $300 reinstatement fee must be paid to reinstate the license.

Yes, double the CE hours for the first instance of a course every renewal period

Yes

Up to 12 hours counted toward general credit requirements

3 hours ethics and consumer protection

3 hours of NFIP course

8-hour initial certification, with 4 hours of LTC-specific training every two years

One-time, 4-hour course

No

https://gateway.insurance.ohio.gov/UI/ODI.Agent.Public.UI/AgentSearch.mvc/DisplaySearch

Producers who hold a surety bail bond license need to complete 7 hours of CE, 6 of which must be in approved surety bail bond courses and 1 of which must be in an ethics course. The surety bail bonds license must be renewed annually by April 1st. Resident producers who hold a title license must complete 12 hours of approved CE, of which 10 must be specific to their title license and two must be in approved ethics courses. Viatical settlement agents' renewal period ends on Dec. 31st every two years based on license issuance, and must complete 15 hours of CE.

https://agentsync.io/blog/individual-producers/insurance-continuing-education-ohio