State Requirements

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

Applicants may renew up to ninety (90) days prior to their license expiration date. Any renewal application received prior to the ninety (90) days of the license expiration date or after the renewal application acceptance time period will not be accepted.

Applicant must renew/reinstate all lines of authority held during renewal or reinstatement period. If applicant does not want to renew/reinstate they must contact the Ohio Department of Insurance to surrender lines of authority.

There must be no serious RIRS action or SAD actions for the applicant since last renewal. If applicable, please contact the state for additional information.

Non-citizens of 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.

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

• A copy of the signed contract between the MGA and the insurance company.
• A copy of the Certified Resolution of the Board appointment describing duties to be performed.
• A copy of bond in the amount of at least $50,000.
• Proof of Errors and Omissions Policy.
• Required supporting details or documents, if necessary.

• Provide proof of a bond in the amount of at least $1,000, payable to the State of Ohio or completion of the Ohio specific bond form (INS3007) found on the Department’s website.
• Provide a copy of the form that will be used as the contract in Ohio.
• Pass the Ohio public insurance adjuster examination.
• Provide required supporting details or documents, if necessary.

• Provide proof of a bond in the amount of at least $1,000, payable to the State of Ohio or completion of the Ohio specific bond form (INS3007) found on the Department’s website.
• Complete and submit the PIAA Sponsorship form (INS3046) found on the Department's website (Public Insurance Adjuster Agents must be sponsored by a licensed public insurance adjuster).
• Provide required supporting details or documents, if necessary.

• 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.
• Surplus lines applicant must hold property and casualty LOAs.

• Completion of TIMR Sponsorship form. The TIMR Sponsorship form can be found on the Department’s state 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 and submit required supporting details or documents, if necessary.

• 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 Settlement Broker applicants are required to provide to the state:

• 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, only if different than what is currently on file with the Department.
• Must provide a comprehensive anti-fraud plan that complies with requirements of division (G) of ORC section 3916.18, only if different than what is currently on file with the Department.
• Must provide an updated organizational chart that identifies all employees, position titles, and description of position(s).
• Required supporting details or documents, if necessary.

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.