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 1033 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.

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.


Major Line agent applicants are required to:

Limited Line agent applicants are required to:

  • Complete criminal background check (BCI & FBI).
  • Applicants for Funeral Expense line of authority (LOA) must provide proof of Active Ohio Funeral Director's license.
  • Provide required supporting documents, if necessary.

Managing General Agent applicants are required to provide:

  • Copy of the signed contract between the MGA and the insurance company;
  • 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.
  • Completion of the "Electronic MGA supplemental form" (INS3295) (Notarized) found on Department state website.
  • Required supporting details or documents, if necessary.

Public Insurance Adjuster (PIA) 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 (INS3216) found on the Department's website containing a notary section and the Ohio Specific Bond form.
  • 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 documents, if necessary.

Public Insurance Adjuster Agent (PIAA) applicants are required to:

  • Provide proof of bond in the amount of at least $1,000, payable to the State of Ohio.
  • Complete the Electronic Individual PIA Supplemental form (INS3216) 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 (INS3216) found on the Department's website.
  • Provide required supporting details or documents, if necessary.

Reinsurance Intermediary Broker and Manager applicants are required to:

  • Provide required supporting documents, if necessary.

Surety Bail Bond applicants are required to:

  • Complete Surety bail bond pre-license education from an Ohio approved education provider.
  • Complete criminal background check (BCI & FBI).
  • Successfully pass Ohio Surety bail bond examination.
  • Required supporting details or documents, if necessary.

Surplus Lines applicants are required to:

  • Provide proof of $25,000 bond payable to State of Ohio. The bond required by this section shall be issued by an insurance company authorized to transact surety business in Ohio.
  • Complete criminal background check (BCI & FBI).
  • Complete Ohio specific bond form (INS3222). The bond form can be found on the Department's website.
  • Provide required supporting documents, if necessary.
  • Required to hold an active Ohio major lines license for property and casualty LOAs.

.
Title Insurance Marketing Representative applicants are required to:

  • Complete criminal background checks (BCI & FBI).
  • Complete the TIMR Sponsorship form (INS3296). 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.
  • Provide required supporting documents, if necessary.

Title applicants are required to:

  • Complete a criminal background check (BCI & FBI).
  • Successfully pass the Ohio title examination
  • Provide required supporting documents, if necessary.

Third Party Administrator 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.
  • Provide required supporting documents, if necessary.

Viatical Settlements Broker applicants are required to:

  • Complete a criminal background check (BCI & FBI).
  • Provide a resume. Resume must include work & education history, including degrees earned and professional designations held.
  • 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.
  • Provide a comprehensive anti-fraud plan that complies with requirements of division (G) of ORC section 3916.18.
  • Provide proof of registration with the Ohio secretary of state if applicant is conducting business using any name other than the applicant's personal legal name.
  • Provide required supporting 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.

State Offerings (Individual)

Please note that license class names can vary by state.

License Class

Line of Authority (LOA)

Major Lines

Life

Major Lines

Accident & Health

Major Lines

Property

Major Lines

Casualty

Major Lines

Variable

Major Lines

Personal

Limited Lines

Credit

Limited Lines

Crop

Limited Lines

Travel

Limited Lines

Funeral

Limited Lines

Auto Rental

Managing General Agent

Managing General Agent

Public Insurance Adjuster

Public Insurance Adjuster

Public Insurance Adjuster Agent

Public Insurance Adjuster Agent

Reinsurance Intermediary Broker

Reinsurance Intermediary Broker

Reinsurance Intermediary Manager

Reinsurance Intermediary Manager

Surety Bail Bond

Surety Bail Bond

Surplus Lines

Surplus Lines

Title

Title

Title Insurance Marketing Representative

Title Insurance Marketing Representative

Third Party Administrator

Third Party Administrator

Viatical Settlement Broker

Viatical Settlement Broker

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

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

Managing General Agent / Managing General Agent

$20.00*

$0.00

Public Insurance Adjuster / Public Insurance Adjuster

$100.00*

$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

Surplus Lines / Surplus Lines

$100.00*

$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

Viatical Settlement Broker / Viatical Settlement Broker

$200.00*

$0.00

* Per application.
** Per LOA.

Contacts

Last Update: 12/17/2018

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. 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.

Designated Responsible Licensed Producers (DRLPs) must have an active resident or non-resident license in Ohio.

All resident business entity  applicants must register with the Ohio Secretary of State prior to applying for an Ohio resident BE license and prior to operating in the State of Ohio.

Ohio does not accept sole proprietor as an agency firm type on the Resident License (RL) business entity application.  Entities operating in Ohio under a Federal tax Identification Number (FEIN) must obtain an Ohio business entity license for the entity.  Entities operating in Ohio under an individual's personal Social Security Number (SSN) does not need a separate Ohio business entity license, but must have the business entity name registered with the Ohio Secretary of State as a trade name or fictitious name and added as an alias to the individual agent's Ohio insurance 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.

Major Line agent applicants are required to:

  • 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 business entity's customers according to an "Insurance Networking Arrangement".
  • Register and be in Good standing with the Ohio Secretary of State.
  • Have at least one Responsible Designated Agent "RDA" licensed with an active Major lines license in Ohio.
  • Provide required supporting documents, if necessary.

Limited Line agent applicants are required to:

  • Register and be in Good standing with the Ohio Secretary of State.
  • Have at least one Responsible Designated Agent "RDA" licensed with an active Limited lines license in Ohio.
  • Applicants for Funeral Expense line of authority (LOA) must provide proof of Active Ohio Funeral Director's license.
  • Provide required supporting documents, if necessary.

Managing General Agent applicants are required to provide:

  • Copy of the signed contract between the MGA and the insurance company.
  • 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" (INS3295) (Notarized) found on Department website.
  • Register and be in Good standing with the Ohio Secretary of State.
  • Required supporting documents, if necessary.

Public Insurance Adjuster 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 (INS3217) found on the Department's website containing a notary section and the Ohio Specific Bond form;
  • Copy of the form that will be used as the contract in Ohio.
  • Name of each employee designated to act as a public insurance adjuster or public insurance adjuster agent for the entity.
  • Name of each partner, officer or member of the entity.
  • Proof of registration and good standing with the Ohio Secretary of State.
  • Required supporting documents, if necessary.

Reinsurance Intermediary Broker and Manager applicants are required to:

  • Be registered and in good standing with the Ohio Secretary of State.
  • Provide required supporting documents, if necessary.

Surety Bail Bond applicants are required to:

  • Provide name of each employee, officer or member of the entity.
  • Have at least one Responsible Designated Agent "RDA" licensed with an active Surety Bail Bond license in Ohio.
  • Be registered and in good standing with the Ohio Secretary of State.
  • Provide required supporting documents, if necessary.

Surplus Lines applicants are required to:

  • Provide proof of $25,000 bond payable to State of Ohio. The bond shall be issued by an insurance company authorized to transact surety business in Ohio.
  • Complete Ohio specific bond form (INS3222). The bond form can be found on the Department's website.
  • Have at least one Responsible Designated Agent "RDA" licensed with an active resident or non-resident Surplus Lines license in Ohio.
  • Required to hold an active Ohio major lines license for property and casualty LOAs.
  • Be registered and in good standing with the Ohio Secretary of State.
  • Provide required supporting documents, if necessary.

Title applicants are required to provide:

  • Name of each partner, officer, member, manager or director of entity.
  • Name of at least one Responsible Designated Agent "RDA" licensed with an active Title license in Ohio.
  • 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.
  • Attach operating agreement and articles of organization for UCSL.
  • Attach proof of registration and good standing with the Ohio Secretary of State.
  • Required supporting details or documents, if necessary.

Third party administrator 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.)
  • Provide a written statement that applicant does not commingle among its personal assets, or draw against for its own purposes, any monies or contributions of a plan sponsor or plan participant.
  • Provide a written statement that the applicant and its officers shall be responsible for the supervision of the actions of any and all personnel and subcontractors who adjust or settle claims on behalf of the applicant.
  • Proof of registration and good standing with the Ohio Secretary of State.
  • Required supporting details or documents, if necessary.

Viatical Settlement 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.
  • Provide a comprehensive anti-fraud plan that complies with requirements of division (G) of ORC section 3916.18.
  • 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.
  • 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 percentage 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.
  • Be registered and in good standing with the Ohio Secretary of State.
  • Provide criminal background check results for all partners, officers, members, owners and key employees. Please note a state criminal background records check is required for all partners, officers, members, owners, or key employees who live or 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.
  • Provide required supporting details or documents, if necessary.

State Offerings (Business Entity)

License Class Line of Authority (LOA) DRLP Required

Major Lines

Accident & Health

Yes

Major Lines

Casualty

Yes

Major Lines

Life

Yes

Major Lines

Personal

Yes

Major Lines

Property

Yes

Major Lines

Variable

Yes

Limited Lines

Auto Rental

Yes

Limited Lines

Credit

Yes

Limited Lines

Crop

Yes

Limited Lines

Funeral

Yes

Limited Lines

Travel

Yes

Managing General Agent

Managing General Agent

No

Public Insurance Adjuster

Public Insurance Adjuster

Yes

Reinsurance Intermediary Broker

Reinsurance Intermediary Broker

No

Reinsurance Intermediary Manager

Reinsurance Intermediary Manager

No

Surety Bail Bond

Surety Bail Bond

Yes

Surplus Lines

Surplus Lines

Yes

Third Party Administrator

TPA

No

Title

Title

Yes

Viatical Settlement Broker

Viatical Settlement Broker

Yes

 

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

Managing General Agent / Managing General Agent

$20.00*

$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

Surplus Lines / Surplus Lines

$100.00

$0.00

Title / Title

$10.00*

$0.00

Third Party Administrator / Third Party Administrator

$200.00*

$0.00

Viatical Settlement Broker / Viatical Settlement Broker

$200.00*

$0.00

* Per application.
** Per LOA.

Contacts

Last Update: 12/17/2018

APPLY HERE