OHIO Resident Licensing for Individuals

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State Announcements

There are no announcements for Ohio at this time.

Primary Rules (Individual)

Response Question
Yes Accepts initial license for individuals electronically.
Yes Accepts major lines of authority.
Yes Accepts limited lines of authority.
Yes Accepts surplus lines for individuals.
Yes Applicant can add lines of authority (amend) to an existing active license.
No Applicant can reinstate/reapply through NIPR's Resident License (RL) Application.
Yes License printing available electronically.

License Printing

To print your license, click the state on NIPR's Producer Licensing Map.

Business Rules (Individual)

Applicant must be at least eighteen (18) years old or older as determined from the applicant's date of birth.

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.

Applicant is required to supply five (5) years of employment history in the application without date gaps to current date. This can be full and part-time work, self-employment, military service, unemployment and full-time education.

Applicant must not have any serious RIRS actions or SAD actions. Please contact the state if applicable.

Applicant must not hold an active non-resident license in Ohio or an active resident license another state.

Applicants for the variable line of authority (LOA) must supply FINRA CRD number on application.

Managing general agent applicants are required to provide:

  • Copy of the signed contract.
  • Copy of the Certified Resolution of the Board appointment describing duties to be performed.
  • Copy of bond in the amount of at least $50,000.
  • Proof of Errors and Omissions Policy.
  • List of applicant’s agents, producers or sub-producers.
  • Completion of the “Electronic MGA supplemental form” (Notarized) found on Department state website.
  • Required supporting details or documents, if necessary.

Public insurance adjuster and agent applicants are required to provide:

  • Proof of bond in the amount of at least $1,000, payable to the State of Ohio.
  • Completion of the Electronic Individual PIA Supplemental form (INS 3216) found on the Department’s website containing a notary section, Public Insurance Adjuster Agent Sponsorship section and the Ohio Specific Bond form.
  • (Public insurance adjuster agents must be sponsored by a licensed individual or business entity public insurance adjuster. The representative may only be sponsored with one adjuster at a time. Applicants must complete and submit the PIAA Sponsorship form (INS 3216) found on the Department’s website.)
  • Required supporting details or documents, if necessary.

Surplus lines applicants please note that before an applicant receives an Ohio resident surplus line broker license or renewal, the applicant or licensee named in the application shall execute and deliver to the superintendent of insurance a bond in the sum of twenty-five thousand dollars, payable to the state. The bond required by this section shall be issued by an insurance company authorized to transact surety business in Ohio. Applicant must also submit the Ohio Specific Bond form INS3222 prescribed by the superintendent. The bond form can be found on the Department’s website. Application will be deferred to the state for verification.

Surplus lines applicants are required to hold property and casualty LOAs.

Title insurance marketing rep applicants are required to provide:

  • Completion of TIMR Sponsorship form. The TIMR Sponsorship form can be found on the Department’s website. (Title insurance marketing representatives must be sponsored by a licensed title individual or business entity. The representative may only be sponsored with one title agent at a time.
  • Required supporting details or documents, if necessary.

Title applicants are required to provide:

  • On a separate attachment identify the initial capitalization of the business entity.
  • On a separate attachment identify all staff positions within the business entity. For each position, note whether the individual filling the position will be a full or part-time employee of the business entity and whether the individual will be leased, borrowed from, or shared with an affiliated business. Identify the affiliated business from which each individual will be leased, borrowed, or shared.
  • On a separate attachment, identify the substantial services that the business entity will perform for which it will receive a fee.
  • On a separate attachment, list each substantial service that the business entity will contract out to a parent or affiliate of a parent and identify the parent or affiliate that will be performing that service.
  • On a separate attachment, identify the percentage of its business the business entity expects to receive from its affiliates, parents, or affiliates of its parents.
  • For each individual listed on the application as a Producer, identify all business entities for which that producer is a title agent.
  • Attach an organizational chart that shows the following information: all subsidiaries, affiliates, and owners of the business entity (“owner” includes shareholder, member or partner). Indicate in the chart the percentage of voting shares, membership or partnership interest of the business entity that is held by each owner of the business entity. Identify with specificity each ownership interest held by a bank, trust company, bank and trust company, or other lending institution, mortgage service, brokerage, mortgage guaranty company, escrow company, real estate company, or any subsidiaries thereof, or by any person engaged in the business of any of the foregoing. If any of the owners of the business entity is a corporation, limited liability company, or partnership, identify the shareholders, members and partners of those owners.
  • Required supporting details or documents, if necessary.

Third party administrators applicants must provide:

  • Proof of fidelity bond or other comparable insurance policy coverage for all employees as required by R.C. 3959.11 and OAC 3901-8-05 (D)(5). (Documentation must include the name of the carrier, policy number and effective dates.)
  • Proof of professional liability insurance coverage and/or E&O insurance as required by ERISA. Documentation must include the name of the carrier, policy number and effective dates.
  • Required supporting details or documents, if necessary.

Viatical settlements broker applicants:

  • Must complete a State criminal background check.
    • Must complete a Federal criminal background check.
  • Must provide a resume. Resume must include work & education history, including degrees earned and professional designations held.
  • Must provide a description of procedures that are in place to safeguard the confidentiality of viators’ and insureds’ personal and medical information that complies with division (G) of ORC section 3916.07 and 3916.13.
  • Must provide a comprehensive anti-fraud plan that complies with requirements of division (G) of ORC section 3916.18.
  • Must provide an organizational chart that identifies all employees, position titles, and description of position(s).
  • Required supporting details or documents, if necessary.
  • Please note that viatical settlement broker agent must complete fifteen (15) CE credits specifically approved as VSE credits by the Ohio Department of Insurance biennially by December 31st.

If applicant responds "yes" to one of the background questions please submit supporting documents electronically via NIPR's Attachments Warehouse. The documents may also be submitted to the state via mail, email, or fax.

State Offerings (Individual)

Please note that license class names can vary by state.

License Class Line of Authority (LOA) Major/Limited/Other *
Major Lines Life Major
Major Lines Accident & Health Major
Major Lines Property Major
Major Lines Casualty Major
Major Lines Variable Major
Major Lines Personal Major
Limited Lines Credit Limited
Limited Lines Crop Limited
Limited Lines Travel Limited
Limited Lines Funeral Other
Limited Lines Auto Rental Other
Viatical Settlement Broker Viatical Settlement Broker Other
Managing General Agent Managing General Agent Other
Public Insurance Adjuster Agent Public Insurance Adjuster Agent Other
Reinsurance Intermediary Broker Reinsurance Intermediary Broker Other
Reinsurance Intermediary Manager Reinsurance Intermediary Manager Other
Surety Bail Bond Surety Bail Bond Other
Title Title Other
Title Insurance Marketing Representative Title Insurance Marketing Representative Other
Third Party Administrator Third Party Administrator Other
Surplus Lines Surplus Lines Other

* Applications for Other lines of authority will defer to state for approval.

Applicant must either take the Motor Club Exam or get appointed by an authorized company.

License Fees (Individual)

Fees shown are state fees only. These fees do not include NIPR transaction fees.

License Class / LOA Combination Fee * / ** Amendment Fee
Major Lines / All LOAs $10.00** $0.00
Limited Lines / All LOAs $10.00** $0.00
Viatical Settlement Broker / Viatical Settlement Broker $200.00* $0.00
Managing General Agent / Managing General Agent $20.00* $0.00
Public Insurance Adjuster Agent / Public Insurance Adjuster Agent $50.00 N/A
Reinsurance Intermediary Broker / Reinsurance Intermediary Broker $500.00* $0.00
Reinsurance Intermediary Manager / Reinsurance Intermediary Manager $500.00* $0.00
Surety Bail Bond / Surety Bail Bond $150.00* $0.00
Title / Title $10.00* $0.00
Title Insurance Marketing Representative / Title Insurance Marketing Representative $10.00* $0.00
Third Party Administrator / Third Party Administrator $200.00* $0.00
Surplus Lines / Surplus Lines $100.00* $0.00

* Per application.
** Per LOA.

Contacts

Last Update: 8/31/2015

OHIO Resident Licensing for Business Entities

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State Announcements

There are no announcements for Ohio at this time.

Primary Rules (Business Entity)

Response Question
Yes Accepts initial license for business entities electronically.
Yes Accepts major lines of authority.
Yes Accepts limited lines of authority.
Yes Accepts surplus lines for business entities.
Yes Applicant can add lines of authority (amend) to an existing active license.
No Applicant can reinstate/reapply through NIPR's Resident License (RL) Application.
Yes License printing available electronically.

License Printing

To print your license, click the state on NIPR's Producer Licensing Map.

Business Rules (Business Entity)

Applicant must not have any serious RIRS actions or SAD actions. Please contact the state if applicable.

Applicant must not hold an active non-resident license in Ohio or an active resident license another state. If applicable, send a Letter of Clearance or letter requesting that your license residency be changed from non-resident to resident to the state. Applicant will need to cancel other active resident license before resubmitting application to Ohio.

Business entities applying for Variable lines must provide the Broker-Dealer CRD # or the Broker-Dealer CRD# of an affiliate insurance entity or third-party that provides the brokerage services for the BE’s customers according to an “Insurance Networking Arrangement”.

Ohio will no longer be accepting sole proprietor as an agency firm type on the Resident License (RL) business entity application.

All applicants, except partnerships, may need to register with the Ohio Secretary of State prior to operating in the State of Ohio.

Managing general agent applicants are required to provide:

  • Copy of the signed contract.
  • Copy of the Certified Resolution of the Board appointment describing duties to be performed.
  • Copy of bond in the amount of at least $50,000.
  • Proof of Errors and Omissions Policy.
  • List of applicant’s agents, producers or sub-producers.
  • Completion of the “Electronic MGA supplemental form” (Notarized) found on Department website.
  • Required supporting details or documents, if necessary.

Public insurance adjuster and agent applicants are required to provide:

  • Proof of bond in the amount of at least $1,000, payable to the State of Ohio.
  • Completion of the Electronic Individual PIA Supplemental form (INS 3216) found on the Department’s website containing a notary section, Public Insurance Adjuster Agent Sponsorship section and the Ohio Specific Bond form;
  • (Public insurance adjuster agents must be sponsored by a licensed individual or business entity public insurance adjuster. The representative may only be sponsored with one adjuster at a time. Applicants must complete and submit the PIAA Sponsorship form (INS 3216) found on the Department’s state website.)
  • Required supporting details or documents, if necessary.

Surplus lines applicants:
Please note that before an applicant receives an Ohio resident surplus line broker license or renewal, the applicant or licensee named in the application shall execute and deliver to the superintendent of insurance a bond in the sum of twenty-five thousand dollars, payable to the state. The bond required by this section shall be issued by an insurance company authorized to transact surety business in Ohio. Applicant must also submit the Ohio Specific Bond form INS3222 prescribed by the superintendent. The bond form can be found on the Department’s state website. Application will be deferred to the state for verification.

Title applicants are required to provide:

  • On a separate attachment identify the initial capitalization of the business entity.
  • On a separate attachment identify all staff positions within the business entity. For each position, note whether the individual filling the position will be a full or part-time employee of the business entity and whether the individual will be leased, borrowed from, or shared with an affiliated business. Identify the affiliated business from which each individual will be leased, borrowed, or shared.
  • On a separate attachment, identify the substantial services that the business entity will perform for which it will receive a fee.
  • On a separate attachment, list each substantial service that the business entity will contract out to a parent or affiliate of a parent and identify the parent or affiliate that will be performing that service.
  • On a separate attachment, identify the percentage of its business the business entity expects to receive from its affiliates, parents, or affiliates of its parents.
  • For each individual listed on the application as a producer, identify all business entities for which that producer is a title agent.
  • Attach an organizational chart that shows the following information: all subsidiaries, affiliates, and owners of the business entity (“owner” includes shareholder, member or partner). Indicate in the chart the percentage of voting shares, membership or partnership interest of the business entity that is held by each owner of the business entity. Identify with specificity each ownership interest held by a bank, trust company, bank and trust company, or other lending institution, mortgage service, brokerage, mortgage guaranty company, escrow company, real estate company, or any subsidiaries thereof, or by any person engaged in the business of any of the foregoing. If any of the owners of the business entity is a corporation, limited liability company, or partnership, identify the shareholders, members and partners of those owners.
  • Required supporting details or documents, if necessary.

Third party administrators applicants must provide:

  • Proof of fidelity bond or other comparable insurance policy coverage for all employees as required by R.C. 3959.11 and OAC 3901-8-05 (D)(5). Documentation must include the name of the carrier, policy number and effective dates.
  • Proof of professional liability insurance coverage and/or E&O insurance as required by ERISA. (Documentation must include the name of the carrier, policy number and effective dates.)
  • Required supporting details or documents, if necessary.

Viatical settlements broker applicants:

  • Must provide a description of procedures that are in place to safeguard the confidentiality of viators’ and insureds’ personal and medical information that complies with division (G) of ORC section 3916.07 and 3916.13.
  • Must provide a comprehensive anti-fraud plan that complies with requirements of division (G) of ORC section 3916.18.
  • Must identify all owners, partners, officers, members, directors, employees authorized to act under the Viatical Settlement Broker entity license. Documentation must include, at a minimum, full legal name, SSN/NPN and date of birth for each person authorized to act under the viatical settlement broker entity license.
  • Must provide an organizational chart that identifies all employees, partners, members, officers, & key employees, including position titles, and description of positions. The chart must also identify all owners or shareholders having five percent (5%) or greater beneficial ownership. The chart must additionally show the relationship of each to the applicant, including % of beneficial ownership or control.
  • Provide the full name and address of the Agent for Service of Process appointed by the applicant, per O.R.C. 3916.03.
  • Provide the full name, address and telephone number of the person, on behalf of the applicant, who shall be responsible for handling or responding to regulatory complaints, application forms, or questions regarding its activities in Ohio.
  • Must provide a certificate of Good Standing from the domicile state’s Secretary of State or equivalent.
  • Required supporting details or documents, if necessary.
  • Please note that applicant must have a state criminal background records check completed for all partners, officers, members, owners, or key employees who live and work in Ohio and a federal criminal background records check for all partners, officers, members, owners, or key employees who will be operating under the applicant’s license. The background reports must be sent to the Department of Insurance directly from BCI/FBI.
  • Applicant must also be registered with the Ohio Secretary of State.

Surplus lines applicants are required to hold property and casualty LOAs.

Designated Responsible Licensed Producers (DRLPs) must have an active resident license in Ohio and is required for all license types with the exception of third party administrator license.

If applicant responds "yes" to one of the background questions please submit supporting documents electronically via NIPR's Attachments Warehouse. The documents may also be submitted to the state via mail, email, or fax.

State Offerings (Business Entity)

License Class Line of Authority (LOA) Major/Limited/Other * DRLP Required
Major Lines Life Major Yes
Major Lines Accident & Health Major Yes
Major Lines Property Major Yes
Major Lines Casualty Major Yes
Major Lines Variable Major Yes
Major Lines Personal Major Yes
Limited Lines Credit Limited Yes
Limited Lines Crop Limited Yes
Limited Lines Travel Limited Yes
Limited Lines Funeral Other Yes
Limited Lines Auto Rental Other Yes
Viatical Settlement Broker Viatical Settlement Broker Other Yes
Managing General Agent Managing General Agent Other Yes
Public Insurance Adjuster Public Insurance Adjuster Other Yes
Reinsurance Intermediary Broker Reinsurance Intermediary Broker Other Yes
Reinsurance Intermediary Manager Reinsurance Intermediary Manager Other Yes
Surety Bail Bond Surety Bail Bond Other Yes
Title Title Other Yes
Third Party Administrator TPA Other No
Surplus Lines Surplus Lines Other Yes

* Applications for Other lines of authority will defer to state for approval.

License Fees (Business Entity)

Fees shown are state fees only. These fees do not include NIPR transaction fees.

License Class / LOA Combination Fee * / ** Amendment Fee
Major Lines / All LOAs $10.00** $0.00
Limited Lines / All LOAs $10.00** $0.00
Viatical Settlement Broker / Viatical Settlement Broker $200.00* $0.00
Managing General Agent / Managing General Agent $200.00* $0.00
Public Insurance Adjuster / Public Insurance Adjuster $100.00* $0.00
Reinsurance Intermediary Broker / Reinsurance Intermediary Broker $500.00* $0.00
Reinsurance Intermediary Manager / Reinsurance Intermediary Manager $500.00* $0.00
Surety Bail Bond / Surety Bail Bond $150.00* $0.00
Title / Title $10.00* $0.00
Third Party Administrator / Third Party Administrator $200.00* $0.00
Surplus Lines / Surplus Lines $100.00* $0.00

* Per application.
** Per LOA.

Contacts

Last Update: 4/13/2016

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