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Ohio Property & Casualty Insurance — Requirements & Free Practice

US-OH · License preparation

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Insurance Agent — Major Lines (Property, Casualty and Personal Lines)

Individual insurance agent license; property, casualty and personal lines are lines of authority on the license. Other major lines are outside this family.

Licensing authority: Ohio Department of Insurance · Application information

Additional nonresident line — both

At least one of the following alternatives:

  • Ohio Property and Casualty Insurance Agent (practice unavailable)

  • All of the following:

Application
Submit the prescribed complete application, additional information requested by the superintendent, and applicable fees.
Background Check
Consent to the BCI and FBI fingerprint-based criminal-records check; results must be satisfactory. For an additional resident line, a new check is required if none was obtained for insurance licensing in the preceding 12 months.
Character
Honest, trustworthy and otherwise suitable; no act constituting grounds for license denial.
Education Waiver
An insurance degree, or a related degree with an insurance concentration, or CPCU, AAI, ARM or CIC may qualify for an education waiver. Military education and experience may establish substantial equivalence. Obtain the waiver before examination registration; the waiver is generally valid 180 days and does not waive the licensing examination. Prior surrender, suspension, inactivation, nonrenewal cancellation or revocation disqualifies use of these education exemptions under rule 3901-5-07(D)(10).
Home License
Maintain an active resident agent license in another state; satisfy the Ohio resident requirements for the additional authority.
Home State
Nonresident applicant seeking an Ohio authority not held in the home state.
Military Processing
Eligible military members, veterans, spouses and surviving spouses receive expedited processing when all licensing requirements are satisfied.
Minimum Age
At least 18 years old.
Prelicensing
Complete 20 hours of approved prelicensing education for each requested line before testing, unless an approved education waiver applies; both property and casualty certificates or waivers are required for Series 11-36.
Requested Authority
Both property and casualty lines of authority. Pass Series 11-36 or both Series 11-46 and Series 11-47.
Score Window
Apply after passing all required examinations and within 180 calendar days of passing; an active-military extension is 180 days from return from deployment.
Work Authorization
United States citizenship or proof of legal authorization to work in the United States.
Additional nonresident line — casualty
Ohio Casualty Insurance Agent
Application
Submit the prescribed complete application, additional information requested by the superintendent, and applicable fees.
Background Check
Consent to the BCI and FBI fingerprint-based criminal-records check; results must be satisfactory. For an additional resident line, a new check is required if none was obtained for insurance licensing in the preceding 12 months.
Character
Honest, trustworthy and otherwise suitable; no act constituting grounds for license denial.
Education Waiver
An insurance degree, or a related degree with an insurance concentration, or CPCU, AAI, ARM or CIC may qualify for an education waiver. Military education and experience may establish substantial equivalence. Obtain the waiver before examination registration; the waiver is generally valid 180 days and does not waive the licensing examination. Prior surrender, suspension, inactivation, nonrenewal cancellation or revocation disqualifies use of these education exemptions under rule 3901-5-07(D)(10).
Home License
Maintain an active resident agent license in another state; satisfy the Ohio resident requirements for the additional authority.
Home State
Nonresident applicant seeking an Ohio authority not held in the home state.
Military Processing
Eligible military members, veterans, spouses and surviving spouses receive expedited processing when all licensing requirements are satisfied.
Minimum Age
At least 18 years old.
Prelicensing
Complete 20 hours of approved prelicensing education for each requested line before testing, unless an approved education waiver applies; both property and casualty certificates or waivers are required for Series 11-36.
Requested Authority
Casualty line of authority only.
Score Window
Apply after passing all required examinations and within 180 calendar days of passing; an active-military extension is 180 days from return from deployment.
Work Authorization
United States citizenship or proof of legal authorization to work in the United States.
Additional nonresident line — personal
Ohio Personal Line Insurance Agent (practice unavailable)
Application
Submit the prescribed complete application, additional information requested by the superintendent, and applicable fees.
Background Check
Consent to the BCI and FBI fingerprint-based criminal-records check; results must be satisfactory. For an additional resident line, a new check is required if none was obtained for insurance licensing in the preceding 12 months.
Character
Honest, trustworthy and otherwise suitable; no act constituting grounds for license denial.
Education Waiver
An insurance degree, or a related degree with an insurance concentration, or CPCU, AAI, ARM or CIC may qualify for an education waiver. Military education and experience may establish substantial equivalence. Obtain the waiver before examination registration; the waiver is generally valid 180 days and does not waive the licensing examination. Prior surrender, suspension, inactivation, nonrenewal cancellation or revocation disqualifies use of these education exemptions under rule 3901-5-07(D)(10).
Home License
Maintain an active resident agent license in another state; satisfy the Ohio resident requirements for the additional authority.
Home State
Nonresident applicant seeking an Ohio authority not held in the home state.
Military Processing
Eligible military members, veterans, spouses and surviving spouses receive expedited processing when all licensing requirements are satisfied.
Minimum Age
At least 18 years old.
Prelicensing
Complete 20 hours of approved prelicensing education for each requested line before testing, unless an approved education waiver applies; both property and casualty certificates or waivers are required for Series 11-36.
Requested Authority
Personal lines authority for noncommercial coverage of individuals and families.
Score Window
Apply after passing all required examinations and within 180 calendar days of passing; an active-military extension is 180 days from return from deployment.
Work Authorization
United States citizenship or proof of legal authorization to work in the United States.
Additional nonresident line — property
Ohio Property Insurance Agent (practice unavailable)
Application
Submit the prescribed complete application, additional information requested by the superintendent, and applicable fees.
Background Check
Consent to the BCI and FBI fingerprint-based criminal-records check; results must be satisfactory. For an additional resident line, a new check is required if none was obtained for insurance licensing in the preceding 12 months.
Character
Honest, trustworthy and otherwise suitable; no act constituting grounds for license denial.
Education Waiver
An insurance degree, or a related degree with an insurance concentration, or CPCU, AAI, ARM or CIC may qualify for an education waiver. Military education and experience may establish substantial equivalence. Obtain the waiver before examination registration; the waiver is generally valid 180 days and does not waive the licensing examination. Prior surrender, suspension, inactivation, nonrenewal cancellation or revocation disqualifies use of these education exemptions under rule 3901-5-07(D)(10).
Home License
Maintain an active resident agent license in another state; satisfy the Ohio resident requirements for the additional authority.
Home State
Nonresident applicant seeking an Ohio authority not held in the home state.
Military Processing
Eligible military members, veterans, spouses and surviving spouses receive expedited processing when all licensing requirements are satisfied.
Minimum Age
At least 18 years old.
Prelicensing
Complete 20 hours of approved prelicensing education for each requested line before testing, unless an approved education waiver applies; both property and casualty certificates or waivers are required for Series 11-36.
Requested Authority
Property line of authority only.
Score Window
Apply after passing all required examinations and within 180 calendar days of passing; an active-military extension is 180 days from return from deployment.
Work Authorization
United States citizenship or proof of legal authorization to work in the United States.
Nonresident individual late renewal
No examination is required for this applicant pathway.
Applicant
nonresident individual agent
Application
Submit the prescribed renewal/reinstatement application, satisfy ongoing eligibility, pay required fees and provide requested documents.
Continuing Education
Resident individual major-line agents complete 24 approved credits, including 3 ethics credits, before applying; nonresidents maintain the resident home-state license and satisfy applicable home-state CE; business entities maintain a designated Ohio-licensed responsible agent.
Renewal Date
Individual: last day of birth month every two years. Resident business entity: September 30 in even years. Nonresident business entity: September 30 in odd years.
Timing
Apply before the first day of the second month following expiration and pay the $50 late fee.

Official no-examination sources

Effective from 2026-09-22.

  • Ohio Laws

    Ohio Rev. Code § 3905.07 — (C)(1)

  • Ohio Laws

    Ohio Admin. Code 3901-5-09 — (J) License renewal

Nonresident individual reinstatement
No examination is required for this applicant pathway.
Applicant
nonresident individual agent
Application
Submit the prescribed renewal/reinstatement application, satisfy ongoing eligibility, pay required fees and provide requested documents.
Continuing Education
Resident individual major-line agents complete 24 approved credits, including 3 ethics credits, before applying; nonresidents maintain the resident home-state license and satisfy applicable home-state CE; business entities maintain a designated Ohio-licensed responsible agent.
Renewal Date
Individual: last day of birth month every two years. Resident business entity: September 30 in even years. Nonresident business entity: September 30 in odd years.
Timing
Reinstate within 12 months of the original expiration date and pay the $100 reinstatement fee and any other required fees.

Official no-examination sources

Effective from 2026-09-22.

  • Ohio Laws

    Ohio Rev. Code § 3905.07 — (C)(1)

  • Ohio Laws

    Ohio Admin. Code 3901-5-09 — (J) License renewal

Nonresident individual renewal
No examination is required for this applicant pathway.
Applicant
nonresident individual agent
Application
Submit the prescribed renewal/reinstatement application, satisfy ongoing eligibility, pay required fees and provide requested documents.
Continuing Education
Resident individual major-line agents complete 24 approved credits, including 3 ethics credits, before applying; nonresidents maintain the resident home-state license and satisfy applicable home-state CE; business entities maintain a designated Ohio-licensed responsible agent.
Renewal Date
Individual: last day of birth month every two years. Resident business entity: September 30 in even years. Nonresident business entity: September 30 in odd years.
Timing
Apply by the biennial expiration date.

Official no-examination sources

Effective from 2026-09-22.

  • Ohio Laws

    Ohio Rev. Code § 3905.07 — (C)(1)

  • Ohio Laws

    Ohio Admin. Code 3901-5-09 — (J) License renewal

Resident individual late renewal
No examination is required for this applicant pathway.
Applicant
resident individual agent
Application
Submit the prescribed renewal/reinstatement application, satisfy ongoing eligibility, pay required fees and provide requested documents.
Continuing Education
Resident individual major-line agents complete 24 approved credits, including 3 ethics credits, before applying; nonresidents maintain the resident home-state license and satisfy applicable home-state CE; business entities maintain a designated Ohio-licensed responsible agent.
Renewal Date
Individual: last day of birth month every two years. Resident business entity: September 30 in even years. Nonresident business entity: September 30 in odd years.
Timing
Apply before the first day of the second month following expiration and pay the $50 late fee.

Official no-examination sources

Effective from 2026-09-22.

  • Ohio Laws

    Ohio Rev. Code § 3905.06 — (C)(1)

  • Ohio Laws

    Ohio Admin. Code 3901-5-09 — (J) License renewal

Resident individual reinstatement
No examination is required for this applicant pathway.
Applicant
resident individual agent
Application
Submit the prescribed renewal/reinstatement application, satisfy ongoing eligibility, pay required fees and provide requested documents.
Continuing Education
Resident individual major-line agents complete 24 approved credits, including 3 ethics credits, before applying; nonresidents maintain the resident home-state license and satisfy applicable home-state CE; business entities maintain a designated Ohio-licensed responsible agent.
Renewal Date
Individual: last day of birth month every two years. Resident business entity: September 30 in even years. Nonresident business entity: September 30 in odd years.
Timing
Reinstate within 12 months of the original expiration date and pay the $100 reinstatement fee and any other required fees.

Official no-examination sources

Effective from 2026-09-22.

  • Ohio Laws

    Ohio Rev. Code § 3905.06 — (C)(1)

  • Ohio Laws

    Ohio Admin. Code 3901-5-09 — (J) License renewal

Resident individual renewal
No examination is required for this applicant pathway.
Applicant
resident individual agent
Application
Submit the prescribed renewal/reinstatement application, satisfy ongoing eligibility, pay required fees and provide requested documents.
Continuing Education
Resident individual major-line agents complete 24 approved credits, including 3 ethics credits, before applying; nonresidents maintain the resident home-state license and satisfy applicable home-state CE; business entities maintain a designated Ohio-licensed responsible agent.
Renewal Date
Individual: last day of birth month every two years. Resident business entity: September 30 in even years. Nonresident business entity: September 30 in odd years.
Timing
Apply by the biennial expiration date.

Official no-examination sources

Effective from 2026-09-22.

  • Ohio Laws

    Ohio Rev. Code § 3905.06 — (C)(1)

  • Ohio Laws

    Ohio Admin. Code 3901-5-09 — (J) License renewal

New after cancellation or surrender — both

At least one of the following alternatives:

  • Ohio Property and Casualty Insurance Agent (practice unavailable)

  • All of the following:

Application
Submit the prescribed complete application, additional information requested by the superintendent, and applicable fees.
Background Check
Consent to the BCI and FBI fingerprint-based criminal-records check; results must be satisfactory. For an additional resident line, a new check is required if none was obtained for insurance licensing in the preceding 12 months.
Character
Honest, trustworthy and otherwise suitable; no act constituting grounds for license denial.
Education Waiver
Prior surrender, suspension, inactivation, nonrenewal cancellation or revocation prevents use of the education exemptions in rule 3901-5-07(D); satisfy the applicable new-agent education requirements.
Home State
Ohio must be the applicant's home state for resident issuance.
Military Processing
Eligible military members, veterans, spouses and surviving spouses receive expedited processing when all licensing requirements are satisfied.
Minimum Age
At least 18 years old.
Prelicensing
Complete 20 hours of approved prelicensing education for each requested line before testing, unless an approved education waiver applies; both property and casualty certificates or waivers are required for Series 11-36.
Prior License
Prior agent license was surrendered, revoked or canceled, including cancellation after the one-year reinstatement period; apply as a new agent and meet the current resident requirements. Revocation or surrender for cause may prevent suitability or eligibility; the superintendent determines eligibility.
Requested Authority
Both property and casualty lines of authority. Pass Series 11-36 or both Series 11-46 and Series 11-47.
Score Window
Apply after passing all required examinations and within 180 calendar days of passing; an active-military extension is 180 days from return from deployment.
Work Authorization
United States citizenship or proof of legal authorization to work in the United States.
New after cancellation or surrender — casualty
Ohio Casualty Insurance Agent
Application
Submit the prescribed complete application, additional information requested by the superintendent, and applicable fees.
Background Check
Consent to the BCI and FBI fingerprint-based criminal-records check; results must be satisfactory. For an additional resident line, a new check is required if none was obtained for insurance licensing in the preceding 12 months.
Character
Honest, trustworthy and otherwise suitable; no act constituting grounds for license denial.
Education Waiver
Prior surrender, suspension, inactivation, nonrenewal cancellation or revocation prevents use of the education exemptions in rule 3901-5-07(D); satisfy the applicable new-agent education requirements.
Home State
Ohio must be the applicant's home state for resident issuance.
Military Processing
Eligible military members, veterans, spouses and surviving spouses receive expedited processing when all licensing requirements are satisfied.
Minimum Age
At least 18 years old.
Prelicensing
Complete 20 hours of approved prelicensing education for each requested line before testing, unless an approved education waiver applies; both property and casualty certificates or waivers are required for Series 11-36.
Prior License
Prior agent license was surrendered, revoked or canceled, including cancellation after the one-year reinstatement period; apply as a new agent and meet the current resident requirements. Revocation or surrender for cause may prevent suitability or eligibility; the superintendent determines eligibility.
Requested Authority
Casualty line of authority only.
Score Window
Apply after passing all required examinations and within 180 calendar days of passing; an active-military extension is 180 days from return from deployment.
Work Authorization
United States citizenship or proof of legal authorization to work in the United States.
New after cancellation or surrender — personal
Ohio Personal Line Insurance Agent (practice unavailable)
Application
Submit the prescribed complete application, additional information requested by the superintendent, and applicable fees.
Background Check
Consent to the BCI and FBI fingerprint-based criminal-records check; results must be satisfactory. For an additional resident line, a new check is required if none was obtained for insurance licensing in the preceding 12 months.
Character
Honest, trustworthy and otherwise suitable; no act constituting grounds for license denial.
Education Waiver
Prior surrender, suspension, inactivation, nonrenewal cancellation or revocation prevents use of the education exemptions in rule 3901-5-07(D); satisfy the applicable new-agent education requirements.
Home State
Ohio must be the applicant's home state for resident issuance.
Military Processing
Eligible military members, veterans, spouses and surviving spouses receive expedited processing when all licensing requirements are satisfied.
Minimum Age
At least 18 years old.
Prelicensing
Complete 20 hours of approved prelicensing education for each requested line before testing, unless an approved education waiver applies; both property and casualty certificates or waivers are required for Series 11-36.
Prior License
Prior agent license was surrendered, revoked or canceled, including cancellation after the one-year reinstatement period; apply as a new agent and meet the current resident requirements. Revocation or surrender for cause may prevent suitability or eligibility; the superintendent determines eligibility.
Requested Authority
Personal lines authority for noncommercial coverage of individuals and families.
Score Window
Apply after passing all required examinations and within 180 calendar days of passing; an active-military extension is 180 days from return from deployment.
Work Authorization
United States citizenship or proof of legal authorization to work in the United States.
New after cancellation or surrender — property
Ohio Property Insurance Agent (practice unavailable)
Application
Submit the prescribed complete application, additional information requested by the superintendent, and applicable fees.
Background Check
Consent to the BCI and FBI fingerprint-based criminal-records check; results must be satisfactory. For an additional resident line, a new check is required if none was obtained for insurance licensing in the preceding 12 months.
Character
Honest, trustworthy and otherwise suitable; no act constituting grounds for license denial.
Education Waiver
Prior surrender, suspension, inactivation, nonrenewal cancellation or revocation prevents use of the education exemptions in rule 3901-5-07(D); satisfy the applicable new-agent education requirements.
Home State
Ohio must be the applicant's home state for resident issuance.
Military Processing
Eligible military members, veterans, spouses and surviving spouses receive expedited processing when all licensing requirements are satisfied.
Minimum Age
At least 18 years old.
Prelicensing
Complete 20 hours of approved prelicensing education for each requested line before testing, unless an approved education waiver applies; both property and casualty certificates or waivers are required for Series 11-36.
Prior License
Prior agent license was surrendered, revoked or canceled, including cancellation after the one-year reinstatement period; apply as a new agent and meet the current resident requirements. Revocation or surrender for cause may prevent suitability or eligibility; the superintendent determines eligibility.
Requested Authority
Property line of authority only.
Score Window
Apply after passing all required examinations and within 180 calendar days of passing; an active-military extension is 180 days from return from deployment.
Work Authorization
United States citizenship or proof of legal authorization to work in the United States.
Nonreciprocal — both

At least one of the following alternatives:

  • Ohio Property and Casualty Insurance Agent (practice unavailable)

  • All of the following:

Application
Submit the prescribed complete application, additional information requested by the superintendent, and applicable fees.
Background Check
Consent to the BCI and FBI fingerprint-based criminal-records check; results must be satisfactory. For an additional resident line, a new check is required if none was obtained for insurance licensing in the preceding 12 months.
Character
Honest, trustworthy and otherwise suitable; no act constituting grounds for license denial.
Education Waiver
An insurance degree, or a related degree with an insurance concentration, or CPCU, AAI, ARM or CIC may qualify for an education waiver. Military education and experience may establish substantial equivalence. Obtain the waiver before examination registration; the waiver is generally valid 180 days and does not waive the licensing examination. Prior surrender, suspension, inactivation, nonrenewal cancellation or revocation disqualifies use of these education exemptions under rule 3901-5-07(D)(10).
Home License
Maintain an active home-state resident license; complete the Ohio resident requirements for the requested authority.
Home State
The applicant is a nonresident whose home state does not issue nonresident agent licenses to Ohio residents.
Military Processing
Eligible military members, veterans, spouses and surviving spouses receive expedited processing when all licensing requirements are satisfied.
Minimum Age
At least 18 years old.
Prelicensing
Complete 20 hours of approved prelicensing education for each requested line before testing, unless an approved education waiver applies; both property and casualty certificates or waivers are required for Series 11-36.
Requested Authority
Both property and casualty lines of authority. Pass Series 11-36 or both Series 11-46 and Series 11-47.
Score Window
Apply after passing all required examinations and within 180 calendar days of passing; an active-military extension is 180 days from return from deployment.
Work Authorization
United States citizenship or proof of legal authorization to work in the United States.
Nonreciprocal — casualty
Ohio Casualty Insurance Agent
Application
Submit the prescribed complete application, additional information requested by the superintendent, and applicable fees.
Background Check
Consent to the BCI and FBI fingerprint-based criminal-records check; results must be satisfactory. For an additional resident line, a new check is required if none was obtained for insurance licensing in the preceding 12 months.
Character
Honest, trustworthy and otherwise suitable; no act constituting grounds for license denial.
Education Waiver
An insurance degree, or a related degree with an insurance concentration, or CPCU, AAI, ARM or CIC may qualify for an education waiver. Military education and experience may establish substantial equivalence. Obtain the waiver before examination registration; the waiver is generally valid 180 days and does not waive the licensing examination. Prior surrender, suspension, inactivation, nonrenewal cancellation or revocation disqualifies use of these education exemptions under rule 3901-5-07(D)(10).
Home License
Maintain an active home-state resident license; complete the Ohio resident requirements for the requested authority.
Home State
The applicant is a nonresident whose home state does not issue nonresident agent licenses to Ohio residents.
Military Processing
Eligible military members, veterans, spouses and surviving spouses receive expedited processing when all licensing requirements are satisfied.
Minimum Age
At least 18 years old.
Prelicensing
Complete 20 hours of approved prelicensing education for each requested line before testing, unless an approved education waiver applies; both property and casualty certificates or waivers are required for Series 11-36.
Requested Authority
Casualty line of authority only.
Score Window
Apply after passing all required examinations and within 180 calendar days of passing; an active-military extension is 180 days from return from deployment.
Work Authorization
United States citizenship or proof of legal authorization to work in the United States.
Nonreciprocal — personal
Ohio Personal Line Insurance Agent (practice unavailable)
Application
Submit the prescribed complete application, additional information requested by the superintendent, and applicable fees.
Background Check
Consent to the BCI and FBI fingerprint-based criminal-records check; results must be satisfactory. For an additional resident line, a new check is required if none was obtained for insurance licensing in the preceding 12 months.
Character
Honest, trustworthy and otherwise suitable; no act constituting grounds for license denial.
Education Waiver
An insurance degree, or a related degree with an insurance concentration, or CPCU, AAI, ARM or CIC may qualify for an education waiver. Military education and experience may establish substantial equivalence. Obtain the waiver before examination registration; the waiver is generally valid 180 days and does not waive the licensing examination. Prior surrender, suspension, inactivation, nonrenewal cancellation or revocation disqualifies use of these education exemptions under rule 3901-5-07(D)(10).
Home License
Maintain an active home-state resident license; complete the Ohio resident requirements for the requested authority.
Home State
The applicant is a nonresident whose home state does not issue nonresident agent licenses to Ohio residents.
Military Processing
Eligible military members, veterans, spouses and surviving spouses receive expedited processing when all licensing requirements are satisfied.
Minimum Age
At least 18 years old.
Prelicensing
Complete 20 hours of approved prelicensing education for each requested line before testing, unless an approved education waiver applies; both property and casualty certificates or waivers are required for Series 11-36.
Requested Authority
Personal lines authority for noncommercial coverage of individuals and families.
Score Window
Apply after passing all required examinations and within 180 calendar days of passing; an active-military extension is 180 days from return from deployment.
Work Authorization
United States citizenship or proof of legal authorization to work in the United States.
Nonreciprocal — property
Ohio Property Insurance Agent (practice unavailable)
Application
Submit the prescribed complete application, additional information requested by the superintendent, and applicable fees.
Background Check
Consent to the BCI and FBI fingerprint-based criminal-records check; results must be satisfactory. For an additional resident line, a new check is required if none was obtained for insurance licensing in the preceding 12 months.
Character
Honest, trustworthy and otherwise suitable; no act constituting grounds for license denial.
Education Waiver
An insurance degree, or a related degree with an insurance concentration, or CPCU, AAI, ARM or CIC may qualify for an education waiver. Military education and experience may establish substantial equivalence. Obtain the waiver before examination registration; the waiver is generally valid 180 days and does not waive the licensing examination. Prior surrender, suspension, inactivation, nonrenewal cancellation or revocation disqualifies use of these education exemptions under rule 3901-5-07(D)(10).
Home License
Maintain an active home-state resident license; complete the Ohio resident requirements for the requested authority.
Home State
The applicant is a nonresident whose home state does not issue nonresident agent licenses to Ohio residents.
Military Processing
Eligible military members, veterans, spouses and surviving spouses receive expedited processing when all licensing requirements are satisfied.
Minimum Age
At least 18 years old.
Prelicensing
Complete 20 hours of approved prelicensing education for each requested line before testing, unless an approved education waiver applies; both property and casualty certificates or waivers are required for Series 11-36.
Requested Authority
Property line of authority only.
Score Window
Apply after passing all required examinations and within 180 calendar days of passing; an active-military extension is 180 days from return from deployment.
Work Authorization
United States citizenship or proof of legal authorization to work in the United States.
Nonresident individual reciprocal licensure
No examination is required for this applicant pathway.
Application
Submit the prescribed application, all requested documents and fees; applicant must be honest, trustworthy, suitable and free of disqualifying conduct.
Home License
Hold an active resident license in good standing for the requested authority in the home state, which must reciprocate with Ohio.

Official no-examination sources

Effective from 2026-09-22.

  • Ohio Laws

    Ohio Rev. Code § 3905.07 — (A) The superintendent

  • Ohio Laws

    Ohio Rev. Code § 3905.08

Reactivation after surrender by clearance letter
No examination is required for this applicant pathway.
Continuity
Existing continuing-education requirements and renewal date continue as if no clearance letter had been requested.
Home License
Did not obtain a resident license in another state.
Prior Status
Surrendered Ohio licenses by requesting a clearance letter.
Timing
Request reactivation within 90 days of the surrender effective date.

Official no-examination sources

Effective from 2026-09-22.

  • Ohio Laws

    Ohio Admin. Code 3901-5-09 — (7) A clearance letter request

Reactivation from voluntary inactive status
No examination is required for this applicant pathway.
Application
Submit the prescribed request and requested information, pay the $50 reactivation fee and be otherwise eligible and suitable.
Education
Within the 12 months preceding application, complete 24 approved CE credits including 3 ethics credits, or complete a prelicensing course for the license type.
Prior Status
Previously granted voluntary inactive status; inactive status is available only to an individual resident major-line agent in good standing and compliant with CE, who is not conducting licensed activity.

Official no-examination sources

Effective from 2026-09-22.

  • Ohio Laws

    Ohio Admin. Code 3901-5-09 — (8) An agent who has been granted inactive status

  • Ohio Laws

    Ohio Rev. Code § 3905.16 — (C)(1)

Resident individual licensure by examination — both

At least one of the following alternatives:

  • Ohio Property and Casualty Insurance Agent (practice unavailable)

  • All of the following:

Application
Submit the prescribed complete application, additional information requested by the superintendent, and applicable fees.
Background Check
Consent to the BCI and FBI fingerprint-based criminal-records check; results must be satisfactory. For an additional resident line, a new check is required if none was obtained for insurance licensing in the preceding 12 months.
Character
Honest, trustworthy and otherwise suitable; no act constituting grounds for license denial.
Education Waiver
An insurance degree, or a related degree with an insurance concentration, or CPCU, AAI, ARM or CIC may qualify for an education waiver. Military education and experience may establish substantial equivalence. Obtain the waiver before examination registration; the waiver is generally valid 180 days and does not waive the licensing examination. Prior surrender, suspension, inactivation, nonrenewal cancellation or revocation disqualifies use of these education exemptions under rule 3901-5-07(D)(10).
Home State
Ohio must be the applicant's home state for resident issuance.
Military Processing
Eligible military members, veterans, spouses and surviving spouses receive expedited processing when all licensing requirements are satisfied.
Minimum Age
At least 18 years old.
Prelicensing
Complete 20 hours of approved prelicensing education for each requested line before testing, unless an approved education waiver applies; both property and casualty certificates or waivers are required for Series 11-36.
Requested Authority
Both property and casualty lines of authority. Pass Series 11-36 or both Series 11-46 and Series 11-47.
Score Window
Apply after passing all required examinations and within 180 calendar days of passing; an active-military extension is 180 days from return from deployment.
Work Authorization
United States citizenship or proof of legal authorization to work in the United States.
Resident individual licensure by examination — casualty
Ohio Casualty Insurance Agent
Application
Submit the prescribed complete application, additional information requested by the superintendent, and applicable fees.
Background Check
Consent to the BCI and FBI fingerprint-based criminal-records check; results must be satisfactory. For an additional resident line, a new check is required if none was obtained for insurance licensing in the preceding 12 months.
Character
Honest, trustworthy and otherwise suitable; no act constituting grounds for license denial.
Education Waiver
An insurance degree, or a related degree with an insurance concentration, or CPCU, AAI, ARM or CIC may qualify for an education waiver. Military education and experience may establish substantial equivalence. Obtain the waiver before examination registration; the waiver is generally valid 180 days and does not waive the licensing examination. Prior surrender, suspension, inactivation, nonrenewal cancellation or revocation disqualifies use of these education exemptions under rule 3901-5-07(D)(10).
Home State
Ohio must be the applicant's home state for resident issuance.
Military Processing
Eligible military members, veterans, spouses and surviving spouses receive expedited processing when all licensing requirements are satisfied.
Minimum Age
At least 18 years old.
Prelicensing
Complete 20 hours of approved prelicensing education for each requested line before testing, unless an approved education waiver applies; both property and casualty certificates or waivers are required for Series 11-36.
Requested Authority
Casualty line of authority only.
Score Window
Apply after passing all required examinations and within 180 calendar days of passing; an active-military extension is 180 days from return from deployment.
Work Authorization
United States citizenship or proof of legal authorization to work in the United States.
Resident individual licensure by examination — personal
Ohio Personal Line Insurance Agent (practice unavailable)
Application
Submit the prescribed complete application, additional information requested by the superintendent, and applicable fees.
Background Check
Consent to the BCI and FBI fingerprint-based criminal-records check; results must be satisfactory. For an additional resident line, a new check is required if none was obtained for insurance licensing in the preceding 12 months.
Character
Honest, trustworthy and otherwise suitable; no act constituting grounds for license denial.
Education Waiver
An insurance degree, or a related degree with an insurance concentration, or CPCU, AAI, ARM or CIC may qualify for an education waiver. Military education and experience may establish substantial equivalence. Obtain the waiver before examination registration; the waiver is generally valid 180 days and does not waive the licensing examination. Prior surrender, suspension, inactivation, nonrenewal cancellation or revocation disqualifies use of these education exemptions under rule 3901-5-07(D)(10).
Home State
Ohio must be the applicant's home state for resident issuance.
Military Processing
Eligible military members, veterans, spouses and surviving spouses receive expedited processing when all licensing requirements are satisfied.
Minimum Age
At least 18 years old.
Prelicensing
Complete 20 hours of approved prelicensing education for each requested line before testing, unless an approved education waiver applies; both property and casualty certificates or waivers are required for Series 11-36.
Requested Authority
Personal lines authority for noncommercial coverage of individuals and families.
Score Window
Apply after passing all required examinations and within 180 calendar days of passing; an active-military extension is 180 days from return from deployment.
Work Authorization
United States citizenship or proof of legal authorization to work in the United States.
Resident individual licensure by examination — property
Ohio Property Insurance Agent (practice unavailable)
Application
Submit the prescribed complete application, additional information requested by the superintendent, and applicable fees.
Background Check
Consent to the BCI and FBI fingerprint-based criminal-records check; results must be satisfactory. For an additional resident line, a new check is required if none was obtained for insurance licensing in the preceding 12 months.
Character
Honest, trustworthy and otherwise suitable; no act constituting grounds for license denial.
Education Waiver
An insurance degree, or a related degree with an insurance concentration, or CPCU, AAI, ARM or CIC may qualify for an education waiver. Military education and experience may establish substantial equivalence. Obtain the waiver before examination registration; the waiver is generally valid 180 days and does not waive the licensing examination. Prior surrender, suspension, inactivation, nonrenewal cancellation or revocation disqualifies use of these education exemptions under rule 3901-5-07(D)(10).
Home State
Ohio must be the applicant's home state for resident issuance.
Military Processing
Eligible military members, veterans, spouses and surviving spouses receive expedited processing when all licensing requirements are satisfied.
Minimum Age
At least 18 years old.
Prelicensing
Complete 20 hours of approved prelicensing education for each requested line before testing, unless an approved education waiver applies; both property and casualty certificates or waivers are required for Series 11-36.
Requested Authority
Property line of authority only.
Score Window
Apply after passing all required examinations and within 180 calendar days of passing; an active-military extension is 180 days from return from deployment.
Work Authorization
United States citizenship or proof of legal authorization to work in the United States.
Resident relocation waiver — currently licensed
No examination is required for this applicant pathway.
Fees
Pay all applicable fees.
Other Requirements
Satisfy resident application, character, work-authorization and applicable criminal-records-check requirements.
Prior License
Currently licensed and in good standing in the prior home state for the requested lines.
Residency
Apply within 90 days after establishing principal residence or principal business in Ohio.
Waiver
No Ohio prelicensing education or written licensing examination under § 3905.041(A).

Official no-examination sources

Effective from 2026-09-22.

  • Ohio Laws

    Ohio Rev. Code § 3905.041 — (A)(1)

Resident relocation waiver — recently canceled
No examination is required for this applicant pathway.
Fees
Pay all applicable fees.
Other Requirements
Satisfy resident application, character, work-authorization and applicable criminal-records-check requirements.
Prior License
Previously licensed and in good standing at cancellation; Ohio receives the application within 90 days of cancellation.
Residency
Apply within 90 days after establishing principal residence or principal business in Ohio.
Waiver
No Ohio prelicensing education or written licensing examination under § 3905.041(A).

Official no-examination sources

Effective from 2026-09-22.

  • Ohio Laws

    Ohio Rev. Code § 3905.041 — (A)(1)

Ohio Property and Casualty Insurance Agent

Provider
PSI Services LLC
Format
Computer-administered examination at a PSI testing location
Exam questions
150 questions; 1–10 additional unscored experimental items may be administered
Time limit
2.5 hours
Passing score
70%
Exam fee
$49
Examination outline
  • 1.0 Insurance Regulation (10%)
    • 1.1 Licensing
    • 1.1 Licensing / Maintenance and duration (3905.06, .16; 3901-5-09)
    • 1.1 Licensing / Maintenance and duration (3905.06, .16; 3901-5-09) / Requirements (3905.02, .04, .041, .05, .051, .06; 3901-5-09)
    • 1.1 Licensing / Maintenance and duration (3905.06, .16; 3901-5-09) / Resident/nonresident (3905.01(C), .06, .061, .07, .071)
    • 1.1 Licensing / Maintenance and duration (3905.06, .16; 3901-5-09) / Change in name, address, email, telephone number (3905.061, 3905.071; 3901-5-09)
    • 1.1 Licensing / Maintenance and duration (3905.06, .16; 3901-5-09) / Renewal/nonrenewal (3905.06; 3901-5-09(J))
    • 1.1 Licensing / Maintenance and duration (3905.06, .16; 3901-5-09) / Temporary license (3905.09)
    • 1.1 Licensing / Maintenance and duration (3905.06, .16; 3901-5-09) / Duty to report criminal convictions and administrative disciplinary actions (3905.22)
    • 1.1 Licensing / Maintenance and duration (3905.06, .16; 3901-5-09) / Assumed business names (3905.11)
    • 1.1 Licensing / Maintenance and duration (3905.06, .16; 3901-5-09) / Continuing education including exemptions and penalties (3905.06, 3905.481; 3901-5-01; 3901-5-05(D), 3901-5-09(L)(7))
    • 1.1 Licensing / Maintenance and duration (3905.06, .16; 3901-5-09) / Inactivity due to military service (3905.06(G)); 3901-5-09(J))
    • 1.1 Licensing / Maintenance and duration (3905.06, .16; 3901-5-09) / Inactivity due to extenuating circumstances (3905.06(G); 3901-5-09(J))
    • 1.1 Licensing / Disciplinary actions (3905.14)
    • 1.1 Licensing / Disciplinary actions (3905.14) / License denial, probation, surrender, suspension, revocation, or refusal to issue or renew (3901.22(D)(1); 3905.14, 3905.16; 3901-5-12)
    • 1.1 Licensing / Disciplinary actions (3905.14) / Failure to pay taxes (3905.14(B)(14))
    • 1.1 Licensing / Disciplinary actions (3905.14) / Failure to appear for an interview (3905.14(B)(22))
    • 1.1 Licensing / Disciplinary actions (3905.14) / Failure to provide department with a written response (3905.14(B)(21))
    • 1.1 Licensing / Disciplinary actions (3905.14) / Penalties and fines for violations (3901.22(D), (F), 3905.14(B), (D), (E), (F), (G), (H), .99)
    • 1.1 Licensing / Disciplinary actions (3905.14) / Penalties and fines for violations (3901.22(D), (F), 3905.14(B), (D), (E), (F), (G), (H), .99) / Cease and desist orders (3901.221; 3905.14(H), 3901.22(D))
    • 1.1 Licensing / Disciplinary actions (3905.14) / Penalties and fines for violations (3901.22(D), (F), 3905.14(B), (D), (E), (F), (G), (H), .99) / Civil
    • 1.1 Licensing / Disciplinary actions (3905.14) / Penalties and fines for violations (3901.22(D), (F), 3905.14(B), (D), (E), (F), (G), (H), .99) / Criminal
    • 1.1 Licensing / Disciplinary actions (3905.14) / Penalties and fines for violations (3901.22(D), (F), 3905.14(B), (D), (E), (F), (G), (H), .99) / Hearings (3901.22; 3905.14(D); ORC 119)
    • 1.1 Licensing / Disciplinary actions (3905.14) / Consent/Settlement agreements (3901.22(G))
    • 1.2 State regulation
    • 1.2 State regulation / Acts constituting insurance transactions (3901.17; 3905.02, 3905.42)
    • 1.2 State regulation / Acts constituting insurance transactions (3901.17; 3905.02, 3905.42) / Negotiate, sell, solicit (3905.01, .02)
    • 1.2 State regulation / Director's general duties and powers (3901.01, 3901.011, .04, .041; 3905.12)
    • 1.2 State regulation / Company regulation
    • 1.2 State regulation / Company regulation / Certificate of authority (3925.11, 3927.01, 3929.01)
    • 1.2 State regulation / Company regulation / Insolvency (3903.01(O))
    • 1.2 State regulation / Company regulation / Policy forms/rates/exceptions (3935.04; 3937.03)
    • 1.2 State regulation / Company regulation / Financial requirements (3901-1-50; 3901-3-04; 3929.011, 3929.07, 3929.11)
    • 1.2 State regulation / Company regulation / Unfair trade and claims settlement practices (3901.19-26; 3901-1-07; 3901-1-54))
    • 1.2 State regulation / Agent regulation
    • 1.2 State regulation / Agent regulation / Commissions, compensations, fees (3905.18, .181; 3901-5-09(N), 3905.55)
    • 1.2 State regulation / Agent regulation / Reporting of felony and crimes of moral turpitude (3905.14, (B)(6), (B)(7), .22)
    • 1.2 State regulation / Agent regulation / Policy/application signature (3905.14(B)(11), (26))
    • 1.2 State regulation / Appointment procedures
    • 1.2 State regulation / Appointment procedures / Agent appointment (3905.20; 3901-5-09(K))
    • 1.2 State regulation / Appointment procedures / Cancellation of appointment (3905.16(B)(1))
    • 1.2 State regulation / Appointment procedures / Termination notification (3905.21)
    • 1.2 State regulation / Unfair insurance trade practices (3901.20, .21)
    • 1.2 State regulation / Unfair insurance trade practices (3901.20, .21) / Rebating (3933.01)
    • 1.2 State regulation / Unfair insurance trade practices (3901.20, .21) / Premium refunds and other incentives (3905.14(B)(32); Bulletin 2019-04
    • 1.2 State regulation / Unfair insurance trade practices (3901.20, .21) / False advertising (3901.21(A), (B), (C), (D), (E), 3901.24; 3905.43; 3999.10, .11)
    • 1.2 State regulation / Unfair insurance trade practices (3901.20, .21) / Misrepresentation (3901.21; 3905.14(B)(5); 3999.08)
    • 1.2 State regulation / Unfair insurance trade practices (3901.20, .21) / Defamation of insurer (3901.21(C), (D); 3999.09)
    • 1.2 State regulation / Unfair insurance trade practices (3901.20, .21) / Unfair discrimination (3901.21(L), (M), (N))
    • 1.2 State regulation / Unfair insurance trade practices (3901.20, .21) / Illegal inducements (3933.01; Bulletin 2019-04 and 2019-05)
    • 1.2 State regulation / Unfair insurance trade practices (3901.20, .21) / General grounds for disciplinary action (3905.14(B))
    • 1.2 State regulation / Examination of books and records (3901.04, .07)
    • 1.2 State regulation / Insurance fraud regulation (3999.21, .31, .37, .41, .42, .99; 2913.47, 3901.44)
    • 1.2 State regulation / Insurance information privacy (3901.44; 3904.04, 3904.13, 3904.14, 3965.01-11)
    • 1.2 State regulation / Consumer information/fees (3905.55; 3905.181)
    • 1.3 Federal regulation
    • 1.3 Federal regulation / Fair Credit Reporting Act (15 USC 1681–1681d)
    • 1.3 Federal regulation / Fraud and false statements including 1033 waiver (18 USC 1033, 1034)
    • 1.3 Federal regulation / Other federal regulations (e.g., Do Not Call List) (https://www.donotcall.gov/)
  • 2.0 General Insurance (9%)
    • 2.1 Concepts
    • 2.1 Concepts / Risk management key terms
    • 2.1 Concepts / Risk management key terms / Risk
    • 2.1 Concepts / Risk management key terms / Exposure
    • 2.1 Concepts / Risk management key terms / Hazard
    • 2.1 Concepts / Risk management key terms / Peril
    • 2.1 Concepts / Risk management key terms / Loss
    • 2.1 Concepts / Methods of handling risk
    • 2.1 Concepts / Methods of handling risk / Avoidance
    • 2.1 Concepts / Methods of handling risk / Retention
    • 2.1 Concepts / Methods of handling risk / Sharing
    • 2.1 Concepts / Methods of handling risk / Reduction
    • 2.1 Concepts / Methods of handling risk / Transfer
    • 2.1 Concepts / Elements of insurable risks
    • 2.1 Concepts / Adverse selection
    • 2.1 Concepts / Law of large numbers
    • 2.1 Concepts / Reinsurance
    • 2.1 Concepts / Indemnity/pay on behalf of
    • 2.2 Insurers
    • 2.2 Insurers / Types of insurers
    • 2.2 Insurers / Types of insurers / Stock companies
    • 2.2 Insurers / Types of insurers / Mutual companies
    • 2.2 Insurers / Types of insurers / Fraternal benefit societies
    • 2.2 Insurers / Types of insurers / Reciprocals
    • 2.2 Insurers / Types of insurers / Lloyd's associations
    • 2.2 Insurers / Types of insurers / Risk retention groups
    • 2.2 Insurers / Types of insurers / Surplus lines
    • 2.2 Insurers / Authorized/admitted versus unauthorized/non-admitted insurers
    • 2.2 Insurers / Domestic, foreign and alien insurers
    • 2.2 Insurers / Financial solvency status (e.g., A.M. Best, Standard and Poor's, Moody's, NAIC)
    • 2.2 Insurers / Marketing (distribution) systems
    • 2.3 Agent and general rules of agency
    • 2.3 Agent and general rules of agency / Insurer as principal
    • 2.3 Agent and general rules of agency / Agent/insurer relationship
    • 2.3 Agent and general rules of agency / Authority and powers of agents
    • 2.3 Agent and general rules of agency / Authority and powers of agents / Express
    • 2.3 Agent and general rules of agency / Authority and powers of agents / Implied
    • 2.3 Agent and general rules of agency / Authority and powers of agents / Apparent
    • 2.3 Agent and general rules of agency / Responsibilities to the applicant/insured
    • 2.4 Contracts
    • 2.4 Contracts / Elements of a legal contract
    • 2.4 Contracts / Elements of a legal contract / Offer and acceptance
    • 2.4 Contracts / Elements of a legal contract / Consideration
    • 2.4 Contracts / Elements of a legal contract / Competent parties
    • 2.4 Contracts / Elements of a legal contract / Legal purpose
    • 2.4 Contracts / Distinct characteristics of an insurance contract
    • 2.4 Contracts / Distinct characteristics of an insurance contract / Contract of adhesion
    • 2.4 Contracts / Distinct characteristics of an insurance contract / Aleatory contract
    • 2.4 Contracts / Distinct characteristics of an insurance contract / Personal contract
    • 2.4 Contracts / Distinct characteristics of an insurance contract / Unilateral contract
    • 2.4 Contracts / Distinct characteristics of an insurance contract / Conditional contract
    • 2.4 Contracts / Legal interpretations affecting contracts
    • 2.4 Contracts / Legal interpretations affecting contracts / Ambiguities in a contract of adhesion
    • 2.4 Contracts / Legal interpretations affecting contracts / Reasonable expectations
    • 2.4 Contracts / Legal interpretations affecting contracts / Indemnity
    • 2.4 Contracts / Legal interpretations affecting contracts / Utmost good faith
    • 2.4 Contracts / Legal interpretations affecting contracts / Representations/misrepresentations
    • 2.4 Contracts / Legal interpretations affecting contracts / Warranties
    • 2.4 Contracts / Legal interpretations affecting contracts / Concealment
    • 2.4 Contracts / Legal interpretations affecting contracts / Fraud
    • 2.4 Contracts / Legal interpretations affecting contracts / Waiver and estoppel
  • 3.0 Property and Casualty Insurance Basics (16%)
    • 3.1 Principles and concepts
    • 3.1 Principles and concepts / Insurable interest
    • 3.1 Principles and concepts / Underwriting
    • 3.1 Principles and concepts / Underwriting / Credit scores
    • 3.1 Principles and concepts / Underwriting / Loss ratio
    • 3.1 Principles and concepts / Rates
    • 3.1 Principles and concepts / Rates / Types
    • 3.1 Principles and concepts / Rates / Loss costs
    • 3.1 Principles and concepts / Rates / Components
    • 3.1 Principles and concepts / Hazards
    • 3.1 Principles and concepts / Hazards / Physical
    • 3.1 Principles and concepts / Hazards / Moral
    • 3.1 Principles and concepts / Hazards / Morale
    • 3.1 Principles and concepts / Negligence
    • 3.1 Principles and concepts / Negligence / Elements of a negligent act
    • 3.1 Principles and concepts / Negligence / Defenses against negligence
    • 3.1 Principles and concepts / Damages
    • 3.1 Principles and concepts / Damages / Compensatory — special versus general
    • 3.1 Principles and concepts / Damages / Punitive
    • 3.1 Principles and concepts / Types of liability
    • 3.1 Principles and concepts / Types of liability / Absolute
    • 3.1 Principles and concepts / Types of liability / Strict
    • 3.1 Principles and concepts / Types of liability / Vicarious
    • 3.1 Principles and concepts / Causes of loss (perils)
    • 3.1 Principles and concepts / Causes of loss (perils) / Direct loss
    • 3.1 Principles and concepts / Causes of loss (perils) / Consequential loss
    • 3.1 Principles and concepts / Causes of loss (perils) / Indirect loss
    • 3.1 Principles and concepts / Named perils versus special (open) perils
    • 3.1 Principles and concepts / Blanket versus specific insurance
    • 3.1 Principles and concepts / Basic types of construction
    • 3.1 Principles and concepts / Loss valuation
    • 3.1 Principles and concepts / Loss valuation / Actual cash value
    • 3.1 Principles and concepts / Loss valuation / Replacement cost
    • 3.1 Principles and concepts / Loss valuation / Functional replacement cost
    • 3.1 Principles and concepts / Loss valuation / Market/agreed value
    • 3.1 Principles and concepts / Loss valuation / Valued amount
    • 3.1 Principles and concepts / Loss valuation / Stated amount
    • 3.2 Policy structure
    • 3.2 Policy structure / Declarations
    • 3.2 Policy structure / Definitions
    • 3.2 Policy structure / Insuring agreement or clause
    • 3.2 Policy structure / Additional/supplementary coverage
    • 3.2 Policy structure / Conditions
    • 3.2 Policy structure / Exclusions
    • 3.2 Policy structure / Endorsements
    • 3.3 Common policy provisions
    • 3.3 Common policy provisions / Insureds — named, first named, additional
    • 3.3 Common policy provisions / Policy period
    • 3.3 Common policy provisions / Policy territory
    • 3.3 Common policy provisions / Cancellation and nonrenewal
    • 3.3 Common policy provisions / Deductibles
    • 3.3 Common policy provisions / Coinsurance
    • 3.3 Common policy provisions / Other insurance
    • 3.3 Common policy provisions / Other insurance / Non-concurrency
    • 3.3 Common policy provisions / Other insurance / Primary and excess
    • 3.3 Common policy provisions / Other insurance / Pro rata
    • 3.3 Common policy provisions / Other insurance / Contribution by equal shares
    • 3.3 Common policy provisions / Limits of liability insurance
    • 3.3 Common policy provisions / Limits of liability insurance / Per occurrence (accident)
    • 3.3 Common policy provisions / Limits of liability insurance / Per person
    • 3.3 Common policy provisions / Limits of liability insurance / Aggregate — general versus products — completed operations
    • 3.3 Common policy provisions / Limits of liability insurance / Split
    • 3.3 Common policy provisions / Limits of liability insurance / Combined single
    • 3.3 Common policy provisions / Restoration/non-reduction of limits
    • 3.3 Common policy provisions / Vacancy or un-occupancy
    • 3.3 Common policy provisions / Named insured provisions
    • 3.3 Common policy provisions / Named insured provisions / Duties after loss
    • 3.3 Common policy provisions / Named insured provisions / Assignment
    • 3.3 Common policy provisions / Named insured provisions / Abandonment
    • 3.3 Common policy provisions / Policy provisions
    • 3.3 Common policy provisions / Policy provisions / Liberalization
    • 3.3 Common policy provisions / Policy provisions / Subrogation
    • 3.3 Common policy provisions / Policy provisions / Salvage
    • 3.3 Common policy provisions / Policy provisions / Claim settlement options
    • 3.3 Common policy provisions / Policy provisions / Replacement cost vs. actual cash value
    • 3.3 Common policy provisions / Policy provisions / Duty to defend
    • 3.3 Common policy provisions / Third-party provisions
    • 3.3 Common policy provisions / Third-party provisions / Standard mortgage clause
    • 3.3 Common policy provisions / Third-party provisions / Loss payable clause
    • 3.3 Common policy provisions / Third-party provisions / No benefit to the bailee
    • 3.3 Common policy provisions / Third-party provisions / Additional insured
    • 3.4 Ohio laws, regulations and required provisions
    • 3.4 Ohio laws, regulations and required provisions / Ohio Valued Policy Law (3929.25)
    • 3.4 Ohio laws, regulations and required provisions / Ohio Insurance Guaranty Association (3955.01-.10, .12.-.19)
    • 3.4 Ohio laws, regulations and required provisions / Cancellation and nonrenewal (3929.19-.22, .24; 3937.25-.411, 3937.47; 3901-1-18(D))
    • 3.4 Ohio laws, regulations and required provisions / Binders (4509.56; 3901-1-18(I))
    • 3.4 Ohio laws, regulations and required provisions / Controlled business (3905.61-.65))
    • 3.4 Ohio laws, regulations and required provisions / Retaliatory provisions (3901.86)
    • 3.4 Ohio laws, regulations and required provisions / Concealment, misrepresentation or fraud (2913.47, 3999.31)
    • 3.4 Ohio laws, regulations and required provisions / Declination of insurance and unfair discrimination (3901.21(L), (M), (N))
    • 3.4 Ohio laws, regulations and required provisions / Mine subsidence (3929.50-.53, .55, .56, .58-.61; 3901-1-48)
    • 3.4 Ohio laws, regulations and required provisions / Terrorism Risk Insurance Program Reauthorization Act of 2019 (Pub. L. 116-94) (Bulletin 2015-02)
    • 3.4 Ohio laws, regulations and required provisions / Unfair Property/Casualty Claims Settlement Practices (3905.55; 3901-1-54; 3901-1-07)
    • 3.4 Ohio laws, regulations and required provisions / Fire Loss - Treasury Certificate/Demolition Fund (3929.86)
  • 4.0 Dwelling (’14) Policy (6%)
    • 4.1 Characteristics and purpose
    • 4.1 Characteristics and purpose / Eligibility
    • 4.1 Characteristics and purpose / Cancellation/renewal
    • 4.1 Characteristics and purpose / Cancellation/renewal / Reasons
    • 4.1 Characteristics and purpose / Cancellation/renewal / Notice
    • 4.2 Coverage forms — Perils insured against
    • 4.2 Coverage forms — Perils insured against / Basic
    • 4.2 Coverage forms — Perils insured against / Broad
    • 4.2 Coverage forms — Perils insured against / Special
    • 4.3 Property coverages
    • 4.3 Property coverages / Coverage A — Dwelling
    • 4.3 Property coverages / Coverage B — Other structures
    • 4.3 Property coverages / Coverage C — Personal property
    • 4.3 Property coverages / Coverage D — Fair rental value
    • 4.3 Property coverages / Coverage E — Additional living expense
    • 4.3 Property coverages / Other coverages
    • 4.4 General exclusions
    • 4.5 Conditions and definitions
    • 4.6 Selected endorsements
    • 4.6 Selected endorsements / Special provisions — Ohio (DP 01 34)
    • 4.6 Selected endorsements / Automatic increase in insurance (DP 04 11)
    • 4.6 Selected endorsements / Broad theft coverage (DP 04 72)
    • 4.6 Selected endorsements / Dwelling under construction (DP 11 43)
    • 4.7 Personal liability supplement
    • 4.7 Personal liability supplement / Cancellation/nonrenewal
  • 5.0 Homeowners ('22) Policy (14%)
    • 5.1 Eligibility and definitions
    • 5.2 Coverage forms
    • 5.2 Coverage forms / HO-2 through HO-6
    • 5.2 Coverage forms / HO-8
    • 5.3 Section I — Property coverages
    • 5.3 Section I — Property coverages / Coverage A — Dwelling
    • 5.3 Section I — Property coverages / Coverage B — Other structures
    • 5.3 Section I — Property coverages / Coverage C — Personal property
    • 5.3 Section I — Property coverages / Coverage D — Loss of use
    • 5.3 Section I — Property coverages / Additional coverages
    • 5.4 Section II — Liability coverages
    • 5.4 Section II — Liability coverages / Coverage E — Personal liability
    • 5.4 Section II — Liability coverages / Coverage F — Medical payments to others
    • 5.4 Section II — Liability coverages / Additional coverages
    • 5.5 Perils insured against
    • 5.6 Exclusions
    • 5.7 Conditions
    • 5.8 Selected endorsements
    • 5.8 Selected endorsements / Special provisions — Ohio (HO 01 34)
    • 5.8 Selected endorsements / Limited fungi, wet or dry rot, or bacteria coverage (HO 04 26, HO 04 27)
    • 5.8 Selected endorsements / Permitted incidental occupancies (HO 04 42)
    • 5.8 Selected endorsements / Earthquake (HO 04 54)
    • 5.8 Selected endorsements / Scheduled personal property (HO 04 61)
    • 5.8 Selected endorsements / Personal property replacement cost (HO 04 90)
    • 5.8 Selected endorsements / Home day care (HO 04 97)
    • 5.8 Selected endorsements / Business pursuits (HO 24 71)
    • 5.8 Selected endorsements / Watercraft (HO 24 75)
    • 5.8 Selected endorsements / Personal injury (HO 24 82)
  • 6.0 Auto Insurance (14%)
    • 6.1 Laws
    • 6.1 Laws / Ohio Motor Vehicle Financial Responsibility Law (4509.01-.81))
    • 6.1 Laws / Ohio Motor Vehicle Financial Responsibility Law (4509.01-.81)) / Required limits of liability (4509.51)
    • 6.1 Laws / Uninsured/underinsured motorist
    • 6.1 Laws / Uninsured/underinsured motorist / Definitions (3937.18(A),(B),(C)
    • 6.1 Laws / Uninsured/underinsured motorist / Bodily injury (3937.18(B),(C))
    • 6.1 Laws / Uninsured/underinsured motorist / Property damage (3937.181)
    • 6.1 Laws / Uninsured/underinsured motorist / Stacked and non-stacked (3937.18(F), (G))
    • 6.1 Laws / Uninsured/underinsured motorist / Required limits (4509.51)
    • 6.1 Laws / Uninsured/underinsured motorist / Intrafamily liability exclusion (3937.46)
    • 6.1 Laws / Cancellation/nonrenewal (3937.30-.411, .47)
    • 6.1 Laws / Cancellation/nonrenewal (3937.30-.411, .47) / Reasons
    • 6.1 Laws / Cancellation/nonrenewal (3937.30-.411, .47) / Notice
    • 6.1 Laws / Prohibition against use of intrafamily liability exclusion (3937.46)
    • 6.1 Laws / Use of non-OEM aftermarket crash parts (1345.81; 3901-1-54(H)(4))
    • 6.2 Personal ('18) auto policy
    • 6.2 Personal ('18) auto policy / Eligibility, definitions, and conditions
    • 6.2 Personal ('18) auto policy / Liability coverages
    • 6.2 Personal ('18) auto policy / Liability coverages / Combined single limits versus split limits
    • 6.2 Personal ('18) auto policy / Liability coverages / Bodily injury and property damage
    • 6.2 Personal ('18) auto policy / Liability coverages / Supplementary payments
    • 6.2 Personal ('18) auto policy / Liability coverages / Exclusions
    • 6.2 Personal ('18) auto policy / Medical payments coverage
    • 6.2 Personal ('18) auto policy / Uninsured/underinsured motorist coverage
    • 6.2 Personal ('18) auto policy / Uninsured/underinsured motorist coverage / Bodily injury
    • 6.2 Personal ('18) auto policy / Uninsured/underinsured motorist coverage / Property damage
    • 6.2 Personal ('18) auto policy / Uninsured/underinsured motorist coverage / Required limits
    • 6.2 Personal ('18) auto policy / Coverage for damage to your auto
    • 6.2 Personal ('18) auto policy / Coverage for damage to your auto / Collision
    • 6.2 Personal ('18) auto policy / Coverage for damage to your auto / Other than collision
    • 6.2 Personal ('18) auto policy / Coverage for damage to your auto / Deductibles
    • 6.2 Personal ('18) auto policy / Coverage for damage to your auto / Transportation expenses
    • 6.2 Personal ('18) auto policy / Coverage for damage to your auto / Exclusions
    • 6.2 Personal ('18) auto policy / Coverage for damage to your auto / Substitute transportation
    • 6.2 Personal ('18) auto policy / Coverage for damage to your auto / Towing and labor (PP 03 03)
    • 6.2 Personal ('18) auto policy / Duties after an accident or loss
    • 6.2 Personal ('18) auto policy / General provisions
    • 6.2 Personal ('18) auto policy / Selected endorsements
    • 6.2 Personal ('18) auto policy / Selected endorsements / Amendment of policy provisions — Ohio (PP 01 86)
    • 6.2 Personal ('18) auto policy / Selected endorsements / Extended non-owned coverage (PP 03 06)
    • 6.2 Personal ('18) auto policy / Selected endorsements / Miscellaneous type vehicle (PP 03 23)
    • 6.2 Personal ('18) auto policy / Selected endorsements / Joint ownership coverage (PP 03 34)
    • 6.3 Commercial auto ('20)
    • 6.3 Commercial auto ('20) / Commercial auto coverage forms
    • 6.3 Commercial auto ('20) / Commercial auto coverage forms / Business auto
    • 6.3 Commercial auto ('20) / Commercial auto coverage forms / Garage
    • 6.3 Commercial auto ('20) / Commercial auto coverage forms / Business auto physical damage
    • 6.3 Commercial auto ('20) / Commercial auto coverage forms / Truckers
    • 6.3 Commercial auto ('20) / Commercial auto coverage forms / Motor carrier
    • 6.3 Commercial auto ('20) / Coverage form sections
    • 6.3 Commercial auto ('20) / Coverage form sections / Symbols/covered autos
    • 6.3 Commercial auto ('20) / Coverage form sections / Liability coverage
    • 6.3 Commercial auto ('20) / Coverage form sections / Garage keepers coverage
    • 6.3 Commercial auto ('20) / Coverage form sections / Trailer interchange coverage
    • 6.3 Commercial auto ('20) / Coverage form sections / Physical damage coverage
    • 6.3 Commercial auto ('20) / Coverage form sections / Eligibility
    • 6.3 Commercial auto ('20) / Coverage form sections / Exclusions
    • 6.3 Commercial auto ('20) / Coverage form sections / Conditions
    • 6.3 Commercial auto ('20) / Coverage form sections / Definitions
    • 6.3 Commercial auto ('20) / Selected endorsements
    • 6.3 Commercial auto ('20) / Selected endorsements / Lessor — additional insured and loss payee (CA 20 01)
    • 6.3 Commercial auto ('20) / Selected endorsements / Mobile equipment (CA 20 15)
    • 6.3 Commercial auto ('20) / Selected endorsements / Auto medical payments coverage (CA 99 03)
    • 6.3 Commercial auto ('20) / Selected endorsements / Drive other car coverage (CA 99 10)
    • 6.3 Commercial auto ('20) / Selected endorsements / Individual named insured (CA 99 17)
    • 6.3 Commercial auto ('20) / Selected endorsements / Broad form products coverage
    • 6.3 Commercial auto ('20) / Selected endorsements / Employees as insureds
    • 6.3 Commercial auto ('20) / Commercial carrier regulations
    • 6.3 Commercial auto ('20) / Commercial carrier regulations / The Motor Carrier Act of 1980
    • 6.3 Commercial auto ('20) / Commercial carrier regulations / Endorsement for motor carrier policies of insurance for public liability (MCS-90)
  • 7.0 Commercial Package Policy (CPP) (12%)
    • 7.1 Components of a commercial policy
    • 7.1 Components of a commercial policy / Common policy declarations
    • 7.1 Components of a commercial policy / Common policy conditions
    • 7.1 Components of a commercial policy / Interline endorsements
    • 7.1 Components of a commercial policy / One or more coverage parts
    • 7.2 Commercial general liability ('13)
    • 7.2 Commercial general liability ('13) / Commercial general liability coverages
    • 7.2 Commercial general liability ('13) / Commercial general liability coverages / Bodily injury and property damage liability
    • 7.2 Commercial general liability ('13) / Commercial general liability coverages / Personal and advertising injury liability
    • 7.2 Commercial general liability ('13) / Commercial general liability coverages / Medical payments
    • 7.2 Commercial general liability ('13) / Commercial general liability coverages / Supplementary payments
    • 7.2 Commercial general liability ('13) / Commercial general liability coverages / Fire legal liability
    • 7.2 Commercial general liability ('13) / Commercial general liability coverages / Limits of insurance
    • 7.2 Commercial general liability ('13) / Commercial general liability coverages / Exclusions
    • 7.2 Commercial general liability ('13) / Commercial general liability coverages / Conditions
    • 7.2 Commercial general liability ('13) / Commercial general liability coverages / Definitions
    • 7.2 Commercial general liability ('13) / Claims-made features
    • 7.2 Commercial general liability ('13) / Claims-made features / Trigger
    • 7.2 Commercial general liability ('13) / Claims-made features / Retroactive date
    • 7.2 Commercial general liability ('13) / Claims-made features / Extended reporting periods
    • 7.2 Commercial general liability ('13) / Claims-made features / Claim information
    • 7.2 Commercial general liability ('13) / Occurrence versus claims-made
    • 7.2 Commercial general liability ('13) / Premises and operations
    • 7.2 Commercial general liability ('13) / Per occurrence/aggregate
    • 7.2 Commercial general liability ('13) / Products and completed operations
    • 7.2 Commercial general liability ('13) / Insured contract
    • 7.2 Commercial general liability ('13) / Contingent liability
    • 7.2 Commercial general liability ('13) / Pollution liability
    • 7.2 Commercial general liability ('13) / Pollution liability / Coverage form
    • 7.2 Commercial general liability ('13) / Pollution liability / Limited coverage form
    • 7.2 Commercial general liability ('13) / Pollution liability / Extension endorsement
    • 7.3 Commercial property ('12)
    • 7.3 Commercial property ('12) / Definitions, conditions, exclusions
    • 7.3 Commercial property ('12) / Coverage forms
    • 7.3 Commercial property ('12) / Coverage forms / Building and personal property
    • 7.3 Commercial property ('12) / Coverage forms / Condominium association
    • 7.3 Commercial property ('12) / Coverage forms / Condominium commercial unit-owners
    • 7.3 Commercial property ('12) / Coverage forms / Builders risk
    • 7.3 Commercial property ('12) / Coverage forms / Business income
    • 7.3 Commercial property ('12) / Coverage forms / Legal liability
    • 7.3 Commercial property ('12) / Coverage forms / Extra expense
    • 7.3 Commercial property ('12) / Causes of loss forms
    • 7.3 Commercial property ('12) / Causes of loss forms / Basic
    • 7.3 Commercial property ('12) / Causes of loss forms / Broad
    • 7.3 Commercial property ('12) / Causes of loss forms / Special
    • 7.3 Commercial property ('12) / Selected endorsements
    • 7.3 Commercial property ('12) / Selected endorsements / Ordinance or law (CP 04 05)
    • 7.3 Commercial property ('12) / Selected endorsements / Spoilage (CP 04 40)
    • 7.3 Commercial property ('12) / Selected endorsements / Peak season limit of insurance (CP 12 30)
    • 7.3 Commercial property ('12) / Selected endorsements / Value reporting form (CP 13 10)
    • 7.4 Commercial Crime ('15)
    • 7.4 Commercial Crime ('15) / General definitions
    • 7.4 Commercial Crime ('15) / General definitions / Burglary
    • 7.4 Commercial Crime ('15) / General definitions / Theft
    • 7.4 Commercial Crime ('15) / General definitions / Robbery
    • 7.4 Commercial Crime ('15) / Crime coverage forms
    • 7.4 Commercial Crime ('15) / Crime coverage forms / Commercial crime coverage forms (discovery/loss sustained)
    • 7.4 Commercial Crime ('15) / Crime coverage forms / Government crime coverage forms (discovery/loss sustained)
    • 7.4 Commercial Crime ('15) / Coverages
    • 7.4 Commercial Crime ('15) / Coverages / Employee theft
    • 7.4 Commercial Crime ('15) / Coverages / Forgery or alteration
    • 7.4 Commercial Crime ('15) / Coverages / Inside the premises — theft of money and securities
    • 7.4 Commercial Crime ('15) / Coverages / Inside the premises — robbery or safe burglary of other property
    • 7.4 Commercial Crime ('15) / Coverages / Outside the premises
    • 7.4 Commercial Crime ('15) / Coverages / Computer fraud
    • 7.4 Commercial Crime ('15) / Coverages / Funds transfer fraud
    • 7.4 Commercial Crime ('15) / Coverages / Money orders and counterfeit money
    • 7.4 Commercial Crime ('15) / Other crime coverage
    • 7.4 Commercial Crime ('15) / Other crime coverage / Extortion — commercial entities (CR 04 03)
    • 7.4 Commercial Crime ('15) / Other crime coverage / Lessees of safe deposit boxes
    • 7.4 Commercial Crime ('15) / Other crime coverage / Securities deposited with others
    • 7.4 Commercial Crime ('15) / Other crime coverage / Guests' property
    • 7.4 Commercial Crime ('15) / Other crime coverage / Safe depository
    • 7.5 Commercial inland marine ('13)
    • 7.5 Commercial inland marine ('13) / Nationwide marine definition
    • 7.5 Commercial inland marine ('13) / Commercial Inland marine conditions forms
    • 7.5 Commercial inland marine ('13) / Commercial inland marine coverage forms
    • 7.5 Commercial inland marine ('13) / Commercial inland marine coverage forms / Accounts receivable
    • 7.5 Commercial inland marine ('13) / Commercial inland marine coverage forms / Bailee's customer
    • 7.5 Commercial inland marine ('13) / Commercial inland marine coverage forms / Commercial articles
    • 7.5 Commercial inland marine ('13) / Commercial inland marine coverage forms / Contractors equipment floater
    • 7.5 Commercial inland marine ('13) / Commercial inland marine coverage forms / Electronic data processing
    • 7.5 Commercial inland marine ('13) / Commercial inland marine coverage forms / Equipment dealers
    • 7.5 Commercial inland marine ('13) / Commercial inland marine coverage forms / Installation floater
    • 7.5 Commercial inland marine ('13) / Commercial inland marine coverage forms / Jewelers block
    • 7.5 Commercial inland marine ('13) / Commercial inland marine coverage forms / Signs
    • 7.5 Commercial inland marine ('13) / Commercial inland marine coverage forms / Valuable papers and records
    • 7.5 Commercial inland marine ('13) / Transportation coverages
    • 7.5 Commercial inland marine ('13) / Transportation coverages / Common carrier cargo liability
    • 7.5 Commercial inland marine ('13) / Transportation coverages / Motor truck cargo forms
    • 7.5 Commercial inland marine ('13) / Transportation coverages / Transit coverage forms
    • 7.6 Equipment breakdown ('13)
    • 7.6 Equipment breakdown ('13) / Definitions, coverages and exclusions (EB 00 20)
    • 7.6 Equipment breakdown ('13) / Equipment breakdown protection coverage form (EB 00 20)
    • 7.6 Equipment breakdown ('13) / Selected endorsements
    • 7.6 Equipment breakdown ('13) / Selected endorsements / Business income - Report of values (EB R 002)
    • 7.6 Equipment breakdown ('13) / Selected endorsements / Actual cash value (EB 99 59)
    • 7.7 Farm coverage
    • 7.7 Farm coverage / Farm property coverage forms ('16)
    • 7.7 Farm coverage / Farm property coverage forms ('16) / Coverage A — Dwellings
    • 7.7 Farm coverage / Farm property coverage forms ('16) / Coverage B — Other private structures
    • 7.7 Farm coverage / Farm property coverage forms ('16) / Coverage C — Household personal property
    • 7.7 Farm coverage / Farm property coverage forms ('16) / Coverage D — Loss of use
    • 7.7 Farm coverage / Farm property coverage forms ('16) / Coverage E — Scheduled farm personal property
    • 7.7 Farm coverage / Farm property coverage forms ('16) / Coverage F — Unscheduled farm personal property
    • 7.7 Farm coverage / Farm property coverage forms ('16) / Coverage G — Other farm structures
    • 7.7 Farm coverage / Farm liability coverage forms ('16)
    • 7.7 Farm coverage / Farm liability coverage forms ('16) / Coverage H — Bodily injury and property damage liability
    • 7.7 Farm coverage / Farm liability coverage forms ('16) / Coverage I — Personal and advertising injury liability
    • 7.7 Farm coverage / Farm liability coverage forms ('16) / Coverage J — Medical payments
    • 7.7 Farm coverage / Livestock coverage form
    • 7.7 Farm coverage / Mobile agricultural machinery and equipment coverage form
    • 7.7 Farm coverage / Cause of loss (basic, broad and special)
    • 7.7 Farm coverage / Additional coverages
    • 7.7 Farm coverage / Eligibility
    • 7.7 Farm coverage / Exclusions
    • 7.7 Farm coverage / Limits of insurance
    • 7.7 Farm coverage / Conditions
    • 7.7 Farm coverage / Definitions
  • 8.0 Businessowners ('13) Policy (8%)
    • 8.1 Characteristics and purpose
    • 8.2 Businessowners Section I — Property
    • 8.2 Businessowners Section I — Property / Definitions
    • 8.2 Businessowners Section I — Property / General conditions
    • 8.2 Businessowners Section I — Property / Loss conditions
    • 8.2 Businessowners Section I — Property / Exclusions
    • 8.2 Businessowners Section I — Property / Coverage
    • 8.2 Businessowners Section I — Property / Limits of insurance
    • 8.2 Businessowners Section I — Property / Deductibles
    • 8.2 Businessowners Section I — Property / Optional coverages
    • 8.3 Businessowners Section II — Liability
    • 8.3 Businessowners Section II — Liability / Eligibility
    • 8.3 Businessowners Section II — Liability / Coverages
    • 8.3 Businessowners Section II — Liability / Exclusions
    • 8.3 Businessowners Section II — Liability / Limits of insurance
    • 8.3 Businessowners Section II — Liability / General conditions
    • 8.3 Businessowners Section II — Liability / Definitions
    • 8.4 Businessowners Section III — Common Policy Conditions
    • 8.5 Selected endorsements
    • 8.5 Selected endorsements / Hired auto and non-owned auto liability (BP 04 04)
    • 8.5 Selected endorsements / Protective safeguards (BP 04 30)
    • 8.5 Selected endorsements / Utility services — direct damage (BP 04 56)
    • 8.5 Selected endorsements / Utility services — time element (BP 04 57)
  • 9.0 Workers' Compensation Insurance (4%)
    • 9.1 Workers' compensation laws
    • 9.1 Workers' compensation laws / Types of laws
    • 9.1 Workers' compensation laws / Types of laws / Compulsory versus elective (4123.12, .35, .54)
    • 9.1 Workers' compensation laws / Types of laws / Monopolistic versus competitive
    • 9.1 Workers' compensation laws / Ohio Workers' Compensation Law (Chapter 4123)
    • 9.1 Workers' compensation laws / Ohio Workers' Compensation Law (Chapter 4123) / Exclusive remedy (4123.54)
    • 9.1 Workers' compensation laws / Ohio Workers' Compensation Law (Chapter 4123) / Employment covered (required, voluntary) (4123.01, .28, .54))
    • 9.1 Workers' compensation laws / Ohio Workers' Compensation Law (Chapter 4123) / Covered injuries (4123.54, .55, .84)
    • 9.1 Workers' compensation laws / Ohio Workers' Compensation Law (Chapter 4123) / Occupational disease (4123.01(F))
    • 9.1 Workers' compensation laws / Ohio Workers' Compensation Law (Chapter 4123) / Benefits provided (4123.30, .54, .55-.59, .60-.61, .66)
    • 9.1 Workers' compensation laws / Ohio Workers' Compensation Law (Chapter 4123) / Second/subsequent injury fund
    • 9.1 Workers' compensation laws / Federal workers' compensation laws
    • 9.1 Workers' compensation laws / Federal workers' compensation laws / Longshore and Harbor Workers' Compensation Act (33 USC 904)
    • 9.1 Workers' compensation laws / Federal workers' compensation laws / Federal Employers Liability Act
    • 9.1 Workers' compensation laws / Federal workers' compensation laws / The Jones Act
    • 9.2 Workers' compensation and employers liability insurance policy
    • 9.2 Workers' compensation and employers liability insurance policy / Part One — Workers' compensation insurance
    • 9.2 Workers' compensation and employers liability insurance policy / Part Two — Employers liability insurance
    • 9.2 Workers' compensation and employers liability insurance policy / Part Three — Other states insurance
    • 9.2 Workers' compensation and employers liability insurance policy / Part Four — Your duty if injury occurs
    • 9.2 Workers' compensation and employers liability insurance policy / Part Five — Premium
    • 9.2 Workers' compensation and employers liability insurance policy / Part Six — Conditions
    • 9.3 Selected endorsements and rating factors
    • 9.3 Selected endorsements and rating factors / Foreign coverage
    • 9.3 Selected endorsements and rating factors / Voluntary compensation
    • 9.3 Selected endorsements and rating factors / All states
    • 9.3 Selected endorsements and rating factors / Job classification
    • 9.3 Selected endorsements and rating factors / Payroll
    • 9.3 Selected endorsements and rating factors / Experience modification factor
    • 9.3 Selected endorsements and rating factors / Premium discounts
    • 9.3 Selected endorsements and rating factors / Participation plans
  • 10.0 Other Coverages and Options (7%)
    • 10.1 Umbrella/excess liability policies
    • 10.1 Umbrella/excess liability policies / Personal (DL 98 01)
    • 10.1 Umbrella/excess liability policies / Commercial (CU 00 01)
    • 10.2 Specialty liability insurance
    • 10.2 Specialty liability insurance / Professional liability
    • 10.2 Specialty liability insurance / Errors and omissions
    • 10.2 Specialty liability insurance / Directors and officers liability
    • 10.2 Specialty liability insurance / Fiduciary liability
    • 10.2 Specialty liability insurance / Liquor liability
    • 10.2 Specialty liability insurance / Employment practices liability
    • 10.2 Specialty liability insurance / Employee Benefits
    • 10.2 Specialty liability insurance / Identity Fraud Expense Coverage
    • 10.3 Surplus lines
    • 10.3 Surplus lines / Eligibility
    • 10.3 Surplus lines / Definitions and non-admitted markets
    • 10.3 Surplus lines / Licensing requirements
    • 10.4 Surety bonds
    • 10.4 Surety bonds / Nature of bonds
    • 10.4 Surety bonds / Nature of bonds / Bond period
    • 10.4 Surety bonds / Nature of bonds / Discovery bond
    • 10.4 Surety bonds / Nature of bonds / Limit of liability
    • 10.4 Surety bonds / Nature of bonds / Termination of coverage
    • 10.4 Surety bonds / Parties to a bond
    • 10.4 Surety bonds / Parties to a bond / Principal, obligee, surety
    • 10.4 Surety bonds / Purpose of bonds
    • 10.4 Surety bonds / Purpose of bonds / Surety, fidelity
    • 10.4 Surety bonds / Types of fidelity bonds
    • 10.4 Surety bonds / Types of fidelity bonds / Employee theft, public official, financial institution, fiduciary
    • 10.4 Surety bonds / Types of surety bonds
    • 10.4 Surety bonds / Types of surety bonds / Contract, license, judicial, permit
    • 10.5 Aviation insurance
    • 10.5 Aviation insurance / Aircraft liability
    • 10.5 Aviation insurance / Aircraft liability / Hull, cargo, freight
    • 10.5 Aviation insurance / Aircraft liability / Implied warranties
    • 10.5 Aviation insurance / Aircraft liability / Perils
    • 10.5 Aviation insurance / Aircraft liability / Drone coverage
    • 10.5 Aviation insurance / Aircraft liability / General and particular average
    • 10.6 Ocean marine insurance
    • 10.6 Ocean marine insurance / Major coverages
    • 10.6 Ocean marine insurance / Major coverages / Hull insurance
    • 10.6 Ocean marine insurance / Major coverages / Cargo insurance
    • 10.6 Ocean marine insurance / Major coverages / Freight insurance
    • 10.6 Ocean marine insurance / Major coverages / Protection and indemnity
    • 10.6 Ocean marine insurance / Implied warranties
    • 10.6 Ocean marine insurance / Perils
    • 10.6 Ocean marine insurance / General and particular average
    • 10.7 National Flood Insurance Program
    • 10.7 National Flood Insurance Program / "Write your own" versus government
    • 10.7 National Flood Insurance Program / Eligibility
    • 10.7 National Flood Insurance Program / Coverage
    • 10.7 National Flood Insurance Program / Limits
    • 10.7 National Flood Insurance Program / Deductibles
    • 10.8 Other policies
    • 10.8 Other policies / Boat owners
    • 10.8 Other policies / Boat owners / Personal watercraft
    • 10.8 Other policies / Boat owners / Recreational vehicles
    • 10.8 Other policies / Difference in conditions
    • 10.9 Residual markets
    • 10.9 Residual markets / Insurance Underwriting Plan
    • 10.9 Residual markets / FAIR plans (3929.41-.49; 3901-1-18)
    • 10.9 Residual markets / Commercial Insurance Joint Underwriting Association (3930.01-.18)
    • 10.9 Residual markets / Ohio Automobile Insurance Plan (4509.70)
Examination sources

Ohio Personal Line Insurance Agent

Provider
PSI Services LLC
Format
Computer-administered examination at a PSI testing location
Exam questions
100 questions; 1–10 additional unscored experimental items may be administered
Time limit
2 hours
Passing score
70%
Exam fee
$49
Examination outline
  • 1.0 Insurance Regulation (10%)
    • 1.1 Licensing
    • 1.1 Licensing / Maintenance and duration (3905.06, .16; 3901-5-09)
    • 1.1 Licensing / Maintenance and duration (3905.06, .16; 3901-5-09) / Requirements (3905.02, .04, .041, .05, .051, .06; 3901-5-09)
    • 1.1 Licensing / Maintenance and duration (3905.06, .16; 3901-5-09) / Resident/nonresident (3905.01(C), .06, .061, .07, .071)
    • 1.1 Licensing / Maintenance and duration (3905.06, .16; 3901-5-09) / Change in name, address, email, telephone number (3905.061, 3905.071; 3901-5-09)
    • 1.1 Licensing / Maintenance and duration (3905.06, .16; 3901-5-09) / Renewal/nonrenewal (3905.06; 3901-5-09(J))
    • 1.1 Licensing / Maintenance and duration (3905.06, .16; 3901-5-09) / Temporary license (3905.09)
    • 1.1 Licensing / Maintenance and duration (3905.06, .16; 3901-5-09) / Duty to report criminal convictions and administrative disciplinary actions (3905.22)
    • 1.1 Licensing / Maintenance and duration (3905.06, .16; 3901-5-09) / Assumed business names (3905.11)
    • 1.1 Licensing / Maintenance and duration (3905.06, .16; 3901-5-09) / Continuing education including exemptions and penalties (3905.06, 3905.481; 3901-5-01; 3901-5-05(D), 3901.5.09(L)(7))
    • 1.1 Licensing / Maintenance and duration (3905.06, .16; 3901-5-09) / Inactivity due to military service (3905.06(G)); 3901-5-09(J))
    • 1.1 Licensing / Maintenance and duration (3905.06, .16; 3901-5-09) / Inactivity due to extenuating circumstances (3905.06(G); 3901-5-09(J))
    • 1.1 Licensing / Disciplinary actions (3905.14)
    • 1.1 Licensing / Disciplinary actions (3905.14) / License denial, probation, surrender, suspension, revocation, or refusal to issue or renew (3901.22(D)(1); 3905.14, 3905.16; 3901-5-12)
    • 1.1 Licensing / Disciplinary actions (3905.14) / Failure to pay taxes (3905.14(B)(14))
    • 1.1 Licensing / Disciplinary actions (3905.14) / Failure to appear for an interview (3905.14(B)(22))
    • 1.1 Licensing / Disciplinary actions (3905.14) / Failure to provide department with a written response (3905.14(B)(21))
    • 1.1 Licensing / Disciplinary actions (3905.14) / Penalties and fines for violations (3901.22(D), (F), 3905.14(B), (D), (E), (F), (G), (H), .99)
    • 1.1 Licensing / Disciplinary actions (3905.14) / Penalties and fines for violations (3901.22(D), (F), 3905.14(B), (D), (E), (F), (G), (H), .99) / Cease and desist orders (3901.221; 3905.14(H), 3901.22(D))
    • 1.1 Licensing / Disciplinary actions (3905.14) / Penalties and fines for violations (3901.22(D), (F), 3905.14(B), (D), (E), (F), (G), (H), .99) / Civil
    • 1.1 Licensing / Disciplinary actions (3905.14) / Penalties and fines for violations (3901.22(D), (F), 3905.14(B), (D), (E), (F), (G), (H), .99) / Criminal
    • 1.1 Licensing / Disciplinary actions (3905.14) / Penalties and fines for violations (3901.22(D), (F), 3905.14(B), (D), (E), (F), (G), (H), .99) / Hearings (3901.22; 3905.14(D); ORC 119)
    • 1.1 Licensing / Disciplinary actions (3905.14) / Consent/Settlement agreements (3901.22(G))
    • 1.2 State regulation
    • 1.2 State regulation / Acts constituting insurance transactions (3901.17; 3905.02, 3905.42)
    • 1.2 State regulation / Acts constituting insurance transactions (3901.17; 3905.02, 3905.42) / Negotiate, sell, solicit (3905.01, .02)
    • 1.2 State regulation / Director's general duties and powers (3901.01, 3901.011, .04, .041; 3905.12)
    • 1.2 State regulation / Company regulation
    • 1.2 State regulation / Company regulation / Certificate of authority (3925.11, 3927.01, 3929.01)
    • 1.2 State regulation / Company regulation / Insolvency (3903.01(O))
    • 1.2 State regulation / Company regulation / Policy forms/rates/exceptions (3935.04; 3937.03)
    • 1.2 State regulation / Company regulation / Financial requirements (3901-1-50; 3901-3-04; 3929.011, 3929.07, 3929.11)
    • 1.2 State regulation / Company regulation / Unfair trade and claims settlement practices (3901.19-26; 3901-1-07; 3901-1-54))
    • 1.2 State regulation / Agent regulation
    • 1.2 State regulation / Agent regulation / Commissions, compensations, fees (3905.18, .181; 3901-5-09(N), 3905.55)
    • 1.2 State regulation / Agent regulation / Reporting of felony and crimes of moral turpitude (3905.14, .22)
    • 1.2 State regulation / Agent regulation / Policy/application signature (3905.14(B)(11), (26))
    • 1.2 State regulation / Appointment procedures
    • 1.2 State regulation / Appointment procedures / Agent appointment (3905.20; 3901-5-09(K))
    • 1.2 State regulation / Appointment procedures / Cancellation of appointment (3905.16(B)(1))
    • 1.2 State regulation / Appointment procedures / Termination notification (3905.21)
    • 1.2 State regulation / Unfair insurance trade practices (3901.20, .21)
    • 1.2 State regulation / Unfair insurance trade practices (3901.20, .21) / Rebating (3933.01)
    • 1.2 State regulation / Unfair insurance trade practices (3901.20, .21) / Premium refunds and other incentives (3905.14(B)(32); Bulletin 2019-04 and 2019-05)
    • 1.2 State regulation / Unfair insurance trade practices (3901.20, .21) / False advertising (3901.21(A), (B), (C), (D), (E), 3901.24; 3905.43; 3999.10, .11)
    • 1.2 State regulation / Unfair insurance trade practices (3901.20, .21) / Misrepresentation (3901.21; 3905.14(B)(5); 3999.08)
    • 1.2 State regulation / Unfair insurance trade practices (3901.20, .21) / Defamation of insurer (3901.21(C ), (D); 3999.09)
    • 1.2 State regulation / Unfair insurance trade practices (3901.20, .21) / Unfair discrimination (3901.21(L), (M), (N))
    • 1.2 State regulation / Unfair insurance trade practices (3901.20, .21) / Illegal inducements (3933.01; Bulletin 2019-04 and 2019-05)
    • 1.2 State regulation / Unfair insurance trade practices (3901.20, .21) / General grounds for disciplinary action (3905.14(B))
    • 1.2 State regulation / Examination of books and records (3901.04, .07)
    • 1.2 State regulation / Insurance fraud regulation (3999.21, .31, .37, .41, .42, .99; 2913.47, 3901.44)
    • 1.2 State regulation / Insurance information privacy (3901.44; 3904.04, 3904.13, 3904.14, 3965.01-.11)
    • 1.2 State regulation / Consumer information/fees (3905.55; 3905.181)
    • 1.3 Federal regulation
    • 1.3 Federal regulation / Fair Credit Reporting Act (15 USC 1681–1681d)
    • 1.3 Federal regulation / Fraud and false statements including 1033 waiver (18 USC 1033, 1034)
    • 1.3 Federal regulation / Other federal regulations (e.g., Do Not Call List) (https://www.donotcall.gov/)
  • 2.0 General Insurance (10%)
    • 2.1 Concepts
    • 2.1 Concepts / Risk management key terms
    • 2.1 Concepts / Risk management key terms / Risk
    • 2.1 Concepts / Risk management key terms / Exposure
    • 2.1 Concepts / Risk management key terms / Hazard
    • 2.1 Concepts / Risk management key terms / Peril
    • 2.1 Concepts / Risk management key terms / Loss
    • 2.1 Concepts / Methods of handling risk
    • 2.1 Concepts / Methods of handling risk / Avoidance
    • 2.1 Concepts / Methods of handling risk / Retention
    • 2.1 Concepts / Methods of handling risk / Sharing
    • 2.1 Concepts / Methods of handling risk / Reduction
    • 2.1 Concepts / Methods of handling risk / Transfer
    • 2.1 Concepts / Elements of insurable risks
    • 2.1 Concepts / Adverse selection
    • 2.1 Concepts / Law of large numbers
    • 2.1 Concepts / Reinsurance
    • 2.1 Concepts / Indemnity/pay on behalf of
    • 2.2 Insurers
    • 2.2 Insurers / Types of insurers
    • 2.2 Insurers / Types of insurers / Stock companies
    • 2.2 Insurers / Types of insurers / Mutual companies
    • 2.2 Insurers / Types of insurers / Fraternal benefit societies
    • 2.2 Insurers / Types of insurers / Reciprocals
    • 2.2 Insurers / Types of insurers / Lloyd's associations
    • 2.2 Insurers / Types of insurers / Risk retention groups
    • 2.2 Insurers / Types of insurers / Surplus lines
    • 2.2 Insurers / Types of insurers / Authorized/admitted versus unauthorized/non-admitted insurers
    • 2.2 Insurers / Types of insurers / Domestic, foreign and alien insurers
    • 2.2 Insurers / Types of insurers / Financial solvency status (e.g., A.M. Best, Standard and Poor's, Moody's, NAIC)
    • 2.2 Insurers / Types of insurers / Marketing (distribution) systems
    • 2.3 Agent and general rules of agency
    • 2.3 Agent and general rules of agency / Insurer as principal
    • 2.3 Agent and general rules of agency / Agent/insurer relationship
    • 2.3 Agent and general rules of agency / Authority and powers of agents
    • 2.3 Agent and general rules of agency / Authority and powers of agents / Express
    • 2.3 Agent and general rules of agency / Authority and powers of agents / Implied
    • 2.3 Agent and general rules of agency / Authority and powers of agents / Apparent
    • 2.3 Agent and general rules of agency / Responsibilities to the applicant/insured
    • 2.4 Contracts
    • 2.4 Contracts / Elements of a legal contract
    • 2.4 Contracts / Elements of a legal contract / Offer and acceptance
    • 2.4 Contracts / Elements of a legal contract / Consideration
    • 2.4 Contracts / Elements of a legal contract / Competent parties
    • 2.4 Contracts / Elements of a legal contract / Legal purpose
    • 2.4 Contracts / Distinct characteristics of an insurance contract
    • 2.4 Contracts / Distinct characteristics of an insurance contract / Contract of adhesion
    • 2.4 Contracts / Distinct characteristics of an insurance contract / Aleatory contract
    • 2.4 Contracts / Distinct characteristics of an insurance contract / Personal contract
    • 2.4 Contracts / Distinct characteristics of an insurance contract / Unilateral contract
    • 2.4 Contracts / Distinct characteristics of an insurance contract / Conditional contract
    • 2.4 Contracts / Legal interpretations affecting contracts
    • 2.4 Contracts / Legal interpretations affecting contracts / Ambiguities in a contract of adhesion
    • 2.4 Contracts / Legal interpretations affecting contracts / Reasonable expectations
    • 2.4 Contracts / Legal interpretations affecting contracts / Indemnity
    • 2.4 Contracts / Legal interpretations affecting contracts / Utmost good faith
    • 2.4 Contracts / Legal interpretations affecting contracts / Representations/misrepresentations
    • 2.4 Contracts / Legal interpretations affecting contracts / Warranties
    • 2.4 Contracts / Legal interpretations affecting contracts / Concealment
    • 2.4 Contracts / Legal interpretations affecting contracts / Fraud
    • 2.4 Contracts / Legal interpretations affecting contracts / Waiver and estoppel
  • 3.0 Property and Casualty Insurance Basics (17%)
    • 3.1 Principles and concepts
    • 3.1 Principles and concepts / Insurable interest
    • 3.1 Principles and concepts / Underwriting
    • 3.1 Principles and concepts / Underwriting / Credit scores
    • 3.1 Principles and concepts / Underwriting / Loss ratio
    • 3.1 Principles and concepts / Rates
    • 3.1 Principles and concepts / Rates / Types
    • 3.1 Principles and concepts / Rates / Loss costs
    • 3.1 Principles and concepts / Rates / Components
    • 3.1 Principles and concepts / Hazards
    • 3.1 Principles and concepts / Hazards / Physical
    • 3.1 Principles and concepts / Hazards / Moral
    • 3.1 Principles and concepts / Hazards / Morale
    • 3.1 Principles and concepts / Negligence
    • 3.1 Principles and concepts / Negligence / Elements of a negligent act
    • 3.1 Principles and concepts / Negligence / Defenses against negligence
    • 3.1 Principles and concepts / Damages
    • 3.1 Principles and concepts / Damages / Compensatory — special versus general
    • 3.1 Principles and concepts / Damages / Punitive
    • 3.1 Principles and concepts / Types of liability
    • 3.1 Principles and concepts / Types of liability / Absolute
    • 3.1 Principles and concepts / Types of liability / Strict
    • 3.1 Principles and concepts / Types of liability / Vicarious
    • 3.1 Principles and concepts / Causes of loss (perils)
    • 3.1 Principles and concepts / Causes of loss (perils) / Direct loss
    • 3.1 Principles and concepts / Causes of loss (perils) / Consequential loss
    • 3.1 Principles and concepts / Causes of loss (perils) / Indirect loss
    • 3.1 Principles and concepts / Named perils versus special (open) perils
    • 3.1 Principles and concepts / Blanket versus specific insurance
    • 3.1 Principles and concepts / Basic types of construction
    • 3.1 Principles and concepts / Loss valuation
    • 3.1 Principles and concepts / Loss valuation / Actual cash value
    • 3.1 Principles and concepts / Loss valuation / Replacement cost
    • 3.1 Principles and concepts / Loss valuation / Functional replacement cost
    • 3.1 Principles and concepts / Loss valuation / Market/agreed value
    • 3.1 Principles and concepts / Loss valuation / Valued amount
    • 3.1 Principles and concepts / Loss valuation / Stated amount
    • 3.2 Policy structure
    • 3.2 Policy structure / Declarations
    • 3.2 Policy structure / Definitions
    • 3.2 Policy structure / Insuring agreement or clause
    • 3.2 Policy structure / Additional/supplementary coverage
    • 3.2 Policy structure / Conditions
    • 3.2 Policy structure / Exclusions
    • 3.2 Policy structure / Endorsements
    • 3.3 Common policy provisions
    • 3.3 Common policy provisions / Insureds — named, first named, additional
    • 3.3 Common policy provisions / Policy period
    • 3.3 Common policy provisions / Policy territory
    • 3.3 Common policy provisions / Cancellation and nonrenewal
    • 3.3 Common policy provisions / Deductibles
    • 3.3 Common policy provisions / Coinsurance
    • 3.3 Common policy provisions / Other insurance
    • 3.3 Common policy provisions / Other insurance / Non-concurrency
    • 3.3 Common policy provisions / Other insurance / Primary and excess
    • 3.3 Common policy provisions / Other insurance / Pro rata
    • 3.3 Common policy provisions / Other insurance / Contribution by equal shares
    • 3.3 Common policy provisions / Limits of liability insurance
    • 3.3 Common policy provisions / Limits of liability insurance / Per occurrence (accident)
    • 3.3 Common policy provisions / Limits of liability insurance / Per person
    • 3.3 Common policy provisions / Limits of liability insurance / Aggregate
    • 3.3 Common policy provisions / Limits of liability insurance / Split
    • 3.3 Common policy provisions / Limits of liability insurance / Combined single
    • 3.3 Common policy provisions / Restoration/non-reduction of limits
    • 3.3 Common policy provisions / Vacancy or un-occupancy
    • 3.3 Common policy provisions / Named insured provisions
    • 3.3 Common policy provisions / Named insured provisions / Duties after loss
    • 3.3 Common policy provisions / Named insured provisions / Assignment
    • 3.3 Common policy provisions / Named insured provisions / Abandonment
    • 3.3 Common policy provisions / Policy provisions
    • 3.3 Common policy provisions / Policy provisions / Liberalization
    • 3.3 Common policy provisions / Policy provisions / Subrogation
    • 3.3 Common policy provisions / Policy provisions / Salvage
    • 3.3 Common policy provisions / Policy provisions / Claim settlement options
    • 3.3 Common policy provisions / Policy provisions / Replacement cost vs. actual cash value
    • 3.3 Common policy provisions / Policy provisions / Duty to defend
    • 3.3 Common policy provisions / Third-party provisions
    • 3.3 Common policy provisions / Third-party provisions / Standard mortgage clause
    • 3.3 Common policy provisions / Third-party provisions / Loss payable clause
    • 3.3 Common policy provisions / Third-party provisions / No benefit to the bailee
    • 3.3 Common policy provisions / Third-party provisions / Additional insured
    • 3.4 Ohio laws, regulations and required provisions
    • 3.4 Ohio laws, regulations and required provisions / Ohio Valued Policy Law (3929.25)
    • 3.4 Ohio laws, regulations and required provisions / Ohio Insurance Guaranty Association (3955.01-.10, .12.-.19)
    • 3.4 Ohio laws, regulations and required provisions / Cancellation and nonrenewal (3929.19-.22, .24; 3937.25-.411; 3901-1-18(D), 3937.47)
    • 3.4 Ohio laws, regulations and required provisions / Binders (4509.56; 3901-1-18(I))
    • 3.4 Ohio laws, regulations and required provisions / Retaliatory provisions (3901.86)
    • 3.4 Ohio laws, regulations and required provisions / Concealment, misrepresentation or fraud (2913.47, 3999.31)
    • 3.4 Ohio laws, regulations and required provisions / Declination of insurance and unfair discrimination (3901.21(L), (M), (N))
    • 3.4 Ohio laws, regulations and required provisions / Mine subsidence (3929.50-.53, .55, .56, .58-.61; 3901-1-48)
    • 3.4 Ohio laws, regulations and required provisions / Terrorism Risk Insurance Program Reauthorization Act of 2019 (Pub. L. 116-94) (Bulletin 2015-02)
    • 3.4 Ohio laws, regulations and required provisions / Unfair Property/Casualty Claims Settlement Practices (3905.55; 3901-1-54; 3901-1-07)
    • 3.4 Ohio laws, regulations and required provisions / Fire Loss - Treasury Certificate/Demolition Fund (3929.86)
  • 4.0 Dwelling ('14) Policy (10%)
    • 4.1 Characteristics and purpose
    • 4.1 Characteristics and purpose / Eligibility
    • 4.1 Characteristics and purpose / Cancellation/renewal
    • 4.1 Characteristics and purpose / Cancellation/renewal / Reasons
    • 4.1 Characteristics and purpose / Cancellation/renewal / Notice
    • 4.2 Coverage forms — Perils insured against
    • 4.2 Coverage forms — Perils insured against / Basic
    • 4.2 Coverage forms — Perils insured against / Broad
    • 4.2 Coverage forms — Perils insured against / Special
    • 4.3 Property coverages
    • 4.3 Property coverages / Coverage A — Dwelling
    • 4.3 Property coverages / Coverage B — Other structures
    • 4.3 Property coverages / Coverage C — Personal property
    • 4.3 Property coverages / Coverage D — Fair rental value
    • 4.3 Property coverages / Coverage E — Additional living expense
    • 4.3 Property coverages / Other coverages
    • 4.4 General exclusions
    • 4.5 Conditions and definitions
    • 4.6 Selected endorsements
    • 4.6 Selected endorsements / Special provisions — Ohio (DP 01 34)
    • 4.6 Selected endorsements / Automatic increase in insurance (DP 04 11)
    • 4.6 Selected endorsements / Broad theft coverage (DP 04 72)
    • 4.6 Selected endorsements / Dwelling under construction (DP 11 43)
    • 4.7 Personal liability supplement
    • 4.7 Personal liability supplement / Cancellation/nonrenewal
  • 5.0 Homeowners ('22) Policy (23%)
    • 5.1 Eligibility and definitions
    • 5.2 Coverage forms
    • 5.2 Coverage forms / HO-2 through HO-6
    • 5.2 Coverage forms / HO-8
    • 5.3 Section I — Property coverages
    • 5.3 Section I — Property coverages / Coverage A — Dwelling
    • 5.3 Section I — Property coverages / Coverage B — Other structures
    • 5.3 Section I — Property coverages / Coverage C — Personal property
    • 5.3 Section I — Property coverages / Coverage D — Loss of use
    • 5.3 Section I — Property coverages / Additional coverages
    • 5.4 Section II — Liability coverages
    • 5.4 Section II — Liability coverages / Coverage E — Personal liability
    • 5.4 Section II — Liability coverages / Coverage F — Medical payments to others
    • 5.4 Section II — Liability coverages / Additional coverages
    • 5.5 Perils insured against
    • 5.6 Exclusions
    • 5.7 Conditions
    • 5.8 Selected endorsements
    • 5.8 Selected endorsements / Special provisions — Ohio (HO 01 34)
    • 5.8 Selected endorsements / Limited fungi, wet or dry rot, or bacteria coverage (HO 04 26, HO 04 27)
    • 5.8 Selected endorsements / Permitted incidental occupancies (HO 04 42)
    • 5.8 Selected endorsements / Earthquake (HO 04 54)
    • 5.8 Selected endorsements / Scheduled personal property (HO 04 61)
    • 5.8 Selected endorsements / Personal property replacement cost (HO 04 90)
    • 5.8 Selected endorsements / Home day care (HO 04 97)
    • 5.8 Selected endorsements / Business pursuits (HO 24 71)
    • 5.8 Selected endorsements / Watercraft (HO 24 75)
    • 5.8 Selected endorsements / Personal injury (HO 24 82)
  • 6.0 Auto Insurance (23%)
    • 6.1 Laws
    • 6.1 Laws / Ohio Motor Vehicle Financial Responsibility Law (4509.01-.81))
    • 6.1 Laws / Ohio Motor Vehicle Financial Responsibility Law (4509.01-.81)) / Required limits of liability (4509.51)
    • 6.1 Laws / Ohio Motor Vehicle Financial Responsibility Law (4509.01-.81)) / Constructive total loss
    • 6.1 Laws / Ohio Motor Vehicle Financial Responsibility Law (4509.01-.81)) / Arbitration
    • 6.1 Laws / Ohio Motor Vehicle Financial Responsibility Law (4509.01-.81)) / Rental vehicle coverage
    • 6.1 Laws / Ohio Motor Vehicle Financial Responsibility Law (4509.01-.81)) / Use of non-OEM aftermarket crash parts (1345.81; 3901-1-54 (H)(4))
    • 6.1 Laws / Uninsured/underinsured motorist
    • 6.1 Laws / Uninsured/underinsured motorist / Definitions (3937.18(A),(B),(C)
    • 6.1 Laws / Uninsured/underinsured motorist / Bodily injury (3937.18(B),(C))
    • 6.1 Laws / Uninsured/underinsured motorist / Property damage (3937.181)
    • 6.1 Laws / Uninsured/underinsured motorist / Stacked and non-stacked (3937.18(F), (G))
    • 6.1 Laws / Uninsured/underinsured motorist / Required limits (4509.51)
    • 6.1 Laws / Uninsured/underinsured motorist / Intrafamily liability exclusion (3937.46)
    • 6.1 Laws / Cancellation/nonrenewal (3937.30-.411, .47)
    • 6.1 Laws / Cancellation/nonrenewal (3937.30-.411, .47) / Grounds
    • 6.1 Laws / Cancellation/nonrenewal (3937.30-.411, .47) / Notice
    • 6.1 Laws / Cancellation/nonrenewal (3937.30-.411, .47) / Prohibition against use of intrafamily liability exclusion (3937.46)
    • 6.1 Laws / Use of non-OEM aftermarket crash parts (1345.81; 3901-1-54(H)(4))
    • 6.2 Personal ('18) auto policy
    • 6.2 Personal ('18) auto policy / Eligibility, definitions, and conditions
    • 6.2 Personal ('18) auto policy / Liability coverages
    • 6.2 Personal ('18) auto policy / Liability coverages / Combined single limits versus split limits
    • 6.2 Personal ('18) auto policy / Liability coverages / Bodily injury and property damage
    • 6.2 Personal ('18) auto policy / Liability coverages / Supplementary payments
    • 6.2 Personal ('18) auto policy / Liability coverages / Exclusions
    • 6.2 Personal ('18) auto policy / Medical payments coverage
    • 6.2 Personal ('18) auto policy / Uninsured/underinsured motorist coverage
    • 6.2 Personal ('18) auto policy / Uninsured/underinsured motorist coverage / Bodily injury
    • 6.2 Personal ('18) auto policy / Uninsured/underinsured motorist coverage / Property damage
    • 6.2 Personal ('18) auto policy / Uninsured/underinsured motorist coverage / Required limits
    • 6.2 Personal ('18) auto policy / Coverage for damage to your auto
    • 6.2 Personal ('18) auto policy / Coverage for damage to your auto / Collision
    • 6.2 Personal ('18) auto policy / Coverage for damage to your auto / Other than collision
    • 6.2 Personal ('18) auto policy / Coverage for damage to your auto / Deductibles
    • 6.2 Personal ('18) auto policy / Coverage for damage to your auto / Transportation expenses
    • 6.2 Personal ('18) auto policy / Coverage for damage to your auto / Exclusions
    • 6.2 Personal ('18) auto policy / Coverage for damage to your auto / Substitute transportation
    • 6.2 Personal ('18) auto policy / Coverage for damage to your auto / Towing and labor (PP 03 03)
    • 6.2 Personal ('18) auto policy / Duties after an accident or loss
    • 6.2 Personal ('18) auto policy / General provisions
    • 6.2 Personal ('18) auto policy / Selected endorsements
    • 6.2 Personal ('18) auto policy / Selected endorsements / Amendment of policy provisions — Ohio (PP 01 86)
    • 6.2 Personal ('18) auto policy / Selected endorsements / Extended non-owned coverage (PP 03 06)
    • 6.2 Personal ('18) auto policy / Selected endorsements / Miscellaneous type vehicle (PP 03 23)
    • 6.2 Personal ('18) auto policy / Selected endorsements / Joint ownership coverage (PP 03 34)
  • 7.0 Other Coverages and Options (7%)
    • 7.1 Umbrella/excess liability policies
    • 7.1 Umbrella/excess liability policies / Personal (DL 98 01)
    • 7.2 National Flood Insurance Program
    • 7.2 National Flood Insurance Program / "Write your own" versus government
    • 7.2 National Flood Insurance Program / Eligibility
    • 7.2 National Flood Insurance Program / Coverage
    • 7.2 National Flood Insurance Program / Limits
    • 7.2 National Flood Insurance Program / Deductibles
    • 7.3 Other policies
    • 7.3 Other policies / Boat owners
    • 7.3 Other policies / Boat owners / Personal watercraft
    • 7.3 Other policies / Boat owners / Recreational vehicles
    • 7.3 Other policies / Difference in conditions
    • 7.4 Residual markets
    • 7.4 Residual markets / Insurance Underwriting Plan
    • 7.4 Residual markets / FAIR plan (3929.41-.49; 3901-1-18)
    • 7.4 Residual markets / Ohio Automobile Insurance Plan (4509.70)
Examination sources

Ohio Casualty Insurance Agent

Provider
PSI Services LLC
Format
Computer-administered examination at a PSI testing location
Exam questions
100 questions; 1–10 additional unscored experimental items may be administered
Time limit
2 hours
Passing score
70%
Exam fee
$49
Examination outline
  • 1.0 Insurance Regulation (10%)
    • 1.1 Licensing
    • 1.1 Licensing / Maintenance and duration (3905.06, .16; 3901-5-09)
    • 1.1 Licensing / Maintenance and duration (3905.06, .16; 3901-5-09) / Requirements (3905.02, .04, .041, .05, .051, .06; 3901-5-09)
    • 1.1 Licensing / Maintenance and duration (3905.06, .16; 3901-5-09) / Resident/nonresident (3905.01(C), .06, .061, .07, .071)
    • 1.1 Licensing / Maintenance and duration (3905.06, .16; 3901-5-09) / Change in name, address, email, telephone number (3905.061, 3905.071; 3901-5-09)
    • 1.1 Licensing / Maintenance and duration (3905.06, .16; 3901-5-09) / Renewal/nonrenewal (3905.06; 3901-5-09(J))
    • 1.1 Licensing / Maintenance and duration (3905.06, .16; 3901-5-09) / Temporary license (3905.09)
    • 1.1 Licensing / Maintenance and duration (3905.06, .16; 3901-5-09) / Duty to report criminal convictions and administrative disciplinary actions (3905.22)
    • 1.1 Licensing / Maintenance and duration (3905.06, .16; 3901-5-09) / Assumed business names (3905.11)
    • 1.1 Licensing / Maintenance and duration (3905.06, .16; 3901-5-09) / Continuing education including exemptions and penalties (3905.06, 3905.481; 3901-5-01; 3901-5-05(D), 3901-5-09(L)(7))
    • 1.1 Licensing / Maintenance and duration (3905.06, .16; 3901-5-09) / Inactivity due to military service (3905.06(G)); 3901-5-09(J))
    • 1.1 Licensing / Maintenance and duration (3905.06, .16; 3901-5-09) / Inactivity due to extenuating circumstances (3905.06(G); 3901-5-09(J))
    • 1.1 Licensing / Disciplinary actions (3905.14)
    • 1.1 Licensing / Disciplinary actions (3905.14) / License denial, probation, surrender, suspension, revocation, or refusal to issue or renew (3901.22(D)(1); 3905.14, 3905.16; 3901-5-12)
    • 1.1 Licensing / Disciplinary actions (3905.14) / Failure to pay taxes (3905.14(B)(14))
    • 1.1 Licensing / Disciplinary actions (3905.14) / Failure to appear for an interview (3905.14(B)(22))
    • 1.1 Licensing / Disciplinary actions (3905.14) / Failure to provide department with a written response (3905.14(B)(21))
    • 1.1 Licensing / Disciplinary actions (3905.14) / Penalties and fines for violations (3901.22(D), (F), 3905.14(B), (D), (E), (F), (G), (H), .99)
    • 1.1 Licensing / Disciplinary actions (3905.14) / Penalties and fines for violations (3901.22(D), (F), 3905.14(B), (D), (E), (F), (G), (H), .99) / Cease and desist orders (3901.221; 3905.14(H), 3901.22(D))
    • 1.1 Licensing / Disciplinary actions (3905.14) / Penalties and fines for violations (3901.22(D), (F), 3905.14(B), (D), (E), (F), (G), (H), .99) / Civil
    • 1.1 Licensing / Disciplinary actions (3905.14) / Penalties and fines for violations (3901.22(D), (F), 3905.14(B), (D), (E), (F), (G), (H), .99) / Criminal
    • 1.1 Licensing / Disciplinary actions (3905.14) / Penalties and fines for violations (3901.22(D), (F), 3905.14(B), (D), (E), (F), (G), (H), .99) / Hearings (3901.22; 3905.14(D); ORC 119)
    • 1.1 Licensing / Disciplinary actions (3905.14) / Consent/Settlement agreements (3901.22(G))
    • 1.2 State regulation
    • 1.2 State regulation / Acts constituting insurance transactions (3901.17; 3905.02, 3905.42)
    • 1.2 State regulation / Acts constituting insurance transactions (3901.17; 3905.02, 3905.42) / Negotiate, sell, solicit (3905.01, .02)
    • 1.2 State regulation / Director's general duties and powers (3901.01, 3901.011, .04, .041; 3905.12)
    • 1.2 State regulation / Company regulation
    • 1.2 State regulation / Company regulation / Certificate of authority (3925.11, 3927.01, 3929.01)
    • 1.2 State regulation / Company regulation / Insolvency (3903.01(O))
    • 1.2 State regulation / Company regulation / Policy forms/rates/exceptions (3935.04; 3937.03)
    • 1.2 State regulation / Company regulation / Financial requirements (3901-1-50; 3901-3-04; 3929.011, 3929.07, 3929.11)
    • 1.2 State regulation / Company regulation / Unfair trade and claims settlement practices (3901.19-26; 3901-1-07; 3901-1-54))
    • 1.2 State regulation / Agent regulation
    • 1.2 State regulation / Agent regulation / Commissions, compensations, fees (3905.18, .181; 3901-5-09(N), 3905.55)
    • 1.2 State regulation / Agent regulation / Reporting of felony and crimes of moral turpitude (3905.14 (B)(6), (B)(7), .22)
    • 1.2 State regulation / Agent regulation / Policy/application signature (3905.14(B)(11), (26))
    • 1.2 State regulation / Appointment procedures
    • 1.2 State regulation / Appointment procedures / Agent appointment (3905.20; 3901-5-09(K))
    • 1.2 State regulation / Appointment procedures / Cancellation of appointment (3905.16(B)(1))
    • 1.2 State regulation / Appointment procedures / Termination notification (3905.21)
    • 1.2 State regulation / Unfair insurance trade practices (3901.20, .21)
    • 1.2 State regulation / Unfair insurance trade practices (3901.20, .21) / Rebating (3933.01;)
    • 1.2 State regulation / Unfair insurance trade practices (3901.20, .21) / Premium refunds and other incentives (3905.14(B)(32); Bulletin 2019-04 and 2019-05)
    • 1.2 State regulation / Unfair insurance trade practices (3901.20, .21) / False advertising (3901.21(A), (B), (C), (D), (E), 3901.24; 3905.43; 3999.10, .11)
    • 1.2 State regulation / Unfair insurance trade practices (3901.20, .21) / Misrepresentation (3901.21; 3905.14(B)(5); 3999.08)
    • 1.2 State regulation / Unfair insurance trade practices (3901.20, .21) / Defamation of insurer (3901.21(C), (D); 3999.09)
    • 1.2 State regulation / Unfair insurance trade practices (3901.20, .21) / Unfair discrimination (3901.21(L), (M), (N))
    • 1.2 State regulation / Unfair insurance trade practices (3901.20, .21) / Illegal inducements (3933.01; Bulletin 2019-04 and 2019-05)
    • 1.2 State regulation / Unfair insurance trade practices (3901.20, .21) / General grounds for disciplinary action (3905.14(B))
    • 1.2 State regulation / Examination of books and records (3901.04, .07)
    • 1.2 State regulation / Insurance fraud regulation (3999.21, .31, .37, .41, .42, .99; 2913.47, 3901.44)
    • 1.2 State regulation / Insurance information privacy (3901.44; 3904.04, 3904.13, 3904.14, 3965.01-.11)
    • 1.2 State regulation / Consumer information/fees (3905.55; 3905.181)
    • 1.3 Federal regulation
    • 1.3 Federal regulation / Fair Credit Reporting Act (15 USC 1681–1681d)
    • 1.3 Federal regulation / Fraud and false statements including 1033 waiver (18 USC 1033, 1034)
    • 1.3 Federal regulation / Other federal regulations (e.g., Do Not Call List) (https://www.donotcall.gov/)
  • 2.0 General Insurance (10%)
    • 2.1 Concepts
    • 2.1 Concepts / Risk management key terms
    • 2.1 Concepts / Risk management key terms / Risk
    • 2.1 Concepts / Risk management key terms / Exposure
    • 2.1 Concepts / Risk management key terms / Hazard
    • 2.1 Concepts / Risk management key terms / Peril
    • 2.1 Concepts / Risk management key terms / Loss
    • 2.1 Concepts / Methods of handling risk
    • 2.1 Concepts / Methods of handling risk / Avoidance
    • 2.1 Concepts / Methods of handling risk / Retention
    • 2.1 Concepts / Methods of handling risk / Sharing
    • 2.1 Concepts / Methods of handling risk / Reduction
    • 2.1 Concepts / Methods of handling risk / Transfer
    • 2.1 Concepts / Elements of insurable risks
    • 2.1 Concepts / Adverse selection
    • 2.1 Concepts / Law of large numbers
    • 2.1 Concepts / Reinsurance
    • 2.1 Concepts / Indemnity/pay on behalf of
    • 2.2 Insurers
    • 2.2 Insurers / Types of insurers
    • 2.2 Insurers / Types of insurers / Stock companies
    • 2.2 Insurers / Types of insurers / Mutual companies
    • 2.2 Insurers / Types of insurers / Fraternal benefit societies
    • 2.2 Insurers / Types of insurers / Reciprocals
    • 2.2 Insurers / Types of insurers / Lloyd's associations
    • 2.2 Insurers / Types of insurers / Risk retention groups
    • 2.2 Insurers / Types of insurers / Surplus lines
    • 2.2 Insurers / Authorized/admitted versus unauthorized/non-admitted insurers
    • 2.2 Insurers / Domestic, foreign and alien insurers
    • 2.2 Insurers / Financial solvency status (e.g., A.M. Best, Standard and Poor's, Moody's, NAIC)
    • 2.2 Insurers / Marketing (distribution) systems
    • 2.3 Agent and general rules of agency
    • 2.3 Agent and general rules of agency / Insurer as principal
    • 2.3 Agent and general rules of agency / Agent/insurer relationship
    • 2.3 Agent and general rules of agency / Authority and powers of agents
    • 2.3 Agent and general rules of agency / Authority and powers of agents / Express
    • 2.3 Agent and general rules of agency / Authority and powers of agents / Implied
    • 2.3 Agent and general rules of agency / Authority and powers of agents / Apparent
    • 2.3 Agent and general rules of agency / Responsibilities to the applicant/insured
    • 2.4 Contracts
    • 2.4 Contracts / Elements of a legal contract
    • 2.4 Contracts / Elements of a legal contract / Offer and acceptance
    • 2.4 Contracts / Elements of a legal contract / Consideration
    • 2.4 Contracts / Elements of a legal contract / Competent parties
    • 2.4 Contracts / Elements of a legal contract / Legal purpose
    • 2.4 Contracts / Distinct characteristics of an insurance contract
    • 2.4 Contracts / Distinct characteristics of an insurance contract / Contract of adhesion
    • 2.4 Contracts / Distinct characteristics of an insurance contract / Aleatory contract
    • 2.4 Contracts / Distinct characteristics of an insurance contract / Personal contract
    • 2.4 Contracts / Distinct characteristics of an insurance contract / Unilateral contract
    • 2.4 Contracts / Distinct characteristics of an insurance contract / Conditional contract
    • 2.4 Contracts / Legal interpretations affecting contracts
    • 2.4 Contracts / Legal interpretations affecting contracts / Ambiguities in a contract of adhesion
    • 2.4 Contracts / Legal interpretations affecting contracts / Reasonable expectations
    • 2.4 Contracts / Legal interpretations affecting contracts / Indemnity
    • 2.4 Contracts / Legal interpretations affecting contracts / Utmost good faith
    • 2.4 Contracts / Legal interpretations affecting contracts / Representations/misrepresentations
    • 2.4 Contracts / Legal interpretations affecting contracts / Warranties
    • 2.4 Contracts / Legal interpretations affecting contracts / Concealment
    • 2.4 Contracts / Legal interpretations affecting contracts / Fraud
    • 2.4 Contracts / Legal interpretations affecting contracts / Waiver and estoppel
  • 3.0 Casualty Insurance Basics (15%)
    • 3.1 Principles and concepts
    • 3.1 Principles and concepts / Insurable interest
    • 3.1 Principles and concepts / Underwriting
    • 3.1 Principles and concepts / Underwriting / Credit scores
    • 3.1 Principles and concepts / Underwriting / Loss ratio
    • 3.1 Principles and concepts / Rates
    • 3.1 Principles and concepts / Rates / Types
    • 3.1 Principles and concepts / Rates / Loss costs
    • 3.1 Principles and concepts / Rates / Components
    • 3.1 Principles and concepts / Hazards
    • 3.1 Principles and concepts / Hazards / Physical
    • 3.1 Principles and concepts / Hazards / Moral
    • 3.1 Principles and concepts / Hazards / Morale
    • 3.1 Principles and concepts / Negligence
    • 3.1 Principles and concepts / Negligence / Elements of a negligent act
    • 3.1 Principles and concepts / Negligence / Defenses against negligence
    • 3.1 Principles and concepts / Damages
    • 3.1 Principles and concepts / Damages / Compensatory — special versus general
    • 3.1 Principles and concepts / Damages / Punitive
    • 3.1 Principles and concepts / Types of liability
    • 3.1 Principles and concepts / Types of liability / Absolute
    • 3.1 Principles and concepts / Types of liability / Strict
    • 3.1 Principles and concepts / Types of liability / Vicarious
    • 3.2 Policy structure
    • 3.2 Policy structure / Declarations
    • 3.2 Policy structure / Definitions
    • 3.2 Policy structure / Insuring agreement or clause
    • 3.2 Policy structure / Additional/supplementary coverage
    • 3.2 Policy structure / Conditions
    • 3.2 Policy structure / Exclusions
    • 3.2 Policy structure / Endorsements
    • 3.3 Common policy provisions
    • 3.3 Common policy provisions / Insureds — named, first named, additional
    • 3.3 Common policy provisions / Policy period
    • 3.3 Common policy provisions / Policy territory
    • 3.3 Common policy provisions / Cancellation and nonrenewal
    • 3.3 Common policy provisions / Deductibles
    • 3.3 Common policy provisions / Coinsurance
    • 3.3 Common policy provisions / Other insurance
    • 3.3 Common policy provisions / Other insurance / Non-concurrency
    • 3.3 Common policy provisions / Other insurance / Primary and excess
    • 3.3 Common policy provisions / Other insurance / Pro rata
    • 3.3 Common policy provisions / Other insurance / Contribution by equal shares
    • 3.3 Common policy provisions / Limits of liability insurance
    • 3.3 Common policy provisions / Limits of liability insurance / Per occurrence (accident)
    • 3.3 Common policy provisions / Limits of liability insurance / Per person
    • 3.3 Common policy provisions / Limits of liability insurance / Aggregate — general versus products — completed operations
    • 3.3 Common policy provisions / Limits of liability insurance / Split
    • 3.3 Common policy provisions / Limits of liability insurance / Combined single
    • 3.3 Common policy provisions / Named insured provisions
    • 3.3 Common policy provisions / Named insured provisions / Duties after loss
    • 3.3 Common policy provisions / Named insured provisions / Assignment
    • 3.3 Common policy provisions / Named insured provisions / Abandonment
    • 3.3 Common policy provisions / Policy provisions
    • 3.3 Common policy provisions / Policy provisions / Liberalization
    • 3.3 Common policy provisions / Policy provisions / Subrogation
    • 3.3 Common policy provisions / Policy provisions / Claim settlement options
    • 3.3 Common policy provisions / Policy provisions / Replacement cost vs. actual cash value
    • 3.3 Common policy provisions / Policy provisions / Duty to defend
    • 3.4 Ohio laws, regulations and required provisions
    • 3.4 Ohio laws, regulations and required provisions / Ohio Insurance Guaranty Association (3955.01-.10, .12.-.19)
    • 3.4 Ohio laws, regulations and required provisions / Cancellation and nonrenewal (3929.19-.22, .24; 3937.25-.411, 3937.47; 3901-1-18(D))
    • 3.4 Ohio laws, regulations and required provisions / Binders (4509.56; 3901-1-18(I))
    • 3.4 Ohio laws, regulations and required provisions / Controlled business (3905.61-.65))
    • 3.4 Ohio laws, regulations and required provisions / Retaliatory provisions (3901.86)
    • 3.4 Ohio laws, regulations and required provisions / Concealment, misrepresentation or fraud (2913.47, 3999.31)
    • 3.4 Ohio laws, regulations and required provisions / Declination of insurance and unfair discrimination (3901.21(L), (M), (N))
    • 3.4 Ohio laws, regulations and required provisions / Mine subsidence (3929.50-.53, .55, .56, .58-.61; 3901-1-48)
    • 3.4 Ohio laws, regulations and required provisions / Terrorism Risk Insurance Program Reauthorization Act of 2019 (Pub. L. 116-94) (Bulletin 2015-02)
    • 3.4 Ohio laws, regulations and required provisions / Unfair Property/Casualty Claims Settlement Practices (3905.55; 3901-1-54; 3901-1-07)
    • 3.4 Ohio laws, regulations and required provisions / Fire Loss - Treasury Certificate/Demolition Fund (3929.86)
  • 4.0 Homeowners ('11) Policy (15%)
    • 4.1 Eligibility and definitions
    • 4.2 Coverage forms
    • 4.2 Coverage forms / HO-2 through HO-6
    • 4.2 Coverage forms / HO-8
    • 4.3 Section II — Liability coverages
    • 4.3 Section II — Liability coverages / Coverage E — Personal liability
    • 4.3 Section II — Liability coverages / Coverage F — Medical payments to others
    • 4.3 Section II — Liability coverages / Additional coverages
    • 4.4 Exclusions
    • 4.5 Conditions
    • 4.6 Selected endorsements
    • 4.6 Selected endorsements / Special provisions — Ohio (HO 01 34)
    • 4.6 Selected endorsements / Limited fungi, wet or dry rot, or bacteria coverage (HO 04 26, HO 04 27)
    • 4.6 Selected endorsements / Permitted incidental occupancies (HO 04 42)
    • 4.6 Selected endorsements / Home day care (HO 04 97)
    • 4.6 Selected endorsements / Business pursuits (HO 24 71)
    • 4.6 Selected endorsements / Watercraft (HO 24 75)
    • 4.6 Selected endorsements / Personal injury (HO 24 82)
  • 5.0 Auto Insurance (17%)
    • 5.1 Laws
    • 5.1 Laws / Ohio Motor Vehicle Financial Responsibility Law (4509.01-.81))
    • 5.1 Laws / Ohio Motor Vehicle Financial Responsibility Law (4509.01-.81)) / Required limits of liability (4509.51)
    • 5.1 Laws / Uninsured/underinsured motorist
    • 5.1 Laws / Uninsured/underinsured motorist / Definitions (3937.18(A),(B),(C)
    • 5.1 Laws / Uninsured/underinsured motorist / Bodily injury (3937.18(B),(C))
    • 5.1 Laws / Uninsured/underinsured motorist / Property damage (3937.181)
    • 5.1 Laws / Uninsured/underinsured motorist / Stacked and non-stacked (3937.18(F), (G))
    • 5.1 Laws / Uninsured/underinsured motorist / Required limits (4509.51)
    • 5.1 Laws / Uninsured/underinsured motorist / Intrafamily liability exclusion (3937.46)
    • 5.1 Laws / Cancellation/nonrenewal (3937.30-.411, .47)
    • 5.1 Laws / Cancellation/nonrenewal (3937.30-.411, .47) / Reasons
    • 5.1 Laws / Cancellation/nonrenewal (3937.30-.411, .47) / Notice
    • 5.1 Laws / Prohibition against use of intrafamily liability exclusion (3937.46)
    • 5.1 Laws / Use of non-OEM aftermarket crash parts (1345.81; 3901-1-54(H)(4))
    • 5.2 Personal ('18) auto policy
    • 5.2 Personal ('18) auto policy / Eligibility, definitions, and conditions
    • 5.2 Personal ('18) auto policy / Liability coverages
    • 5.2 Personal ('18) auto policy / Liability coverages / Combined single limits versus split limits
    • 5.2 Personal ('18) auto policy / Liability coverages / Bodily injury and property damage
    • 5.2 Personal ('18) auto policy / Liability coverages / Supplementary payments
    • 5.2 Personal ('18) auto policy / Liability coverages / Exclusions
    • 5.2 Personal ('18) auto policy / Medical payments coverage
    • 5.2 Personal ('18) auto policy / Uninsured/underinsured motorist coverage
    • 5.2 Personal ('18) auto policy / Uninsured/underinsured motorist coverage / Bodily injury
    • 5.2 Personal ('18) auto policy / Uninsured/underinsured motorist coverage / Property damage
    • 5.2 Personal ('18) auto policy / Uninsured/underinsured motorist coverage / Required limits
    • 5.2 Personal ('18) auto policy / Coverage for damage to your auto
    • 5.2 Personal ('18) auto policy / Coverage for damage to your auto / Collision
    • 5.2 Personal ('18) auto policy / Coverage for damage to your auto / Other than collision
    • 5.2 Personal ('18) auto policy / Coverage for damage to your auto / Deductibles
    • 5.2 Personal ('18) auto policy / Coverage for damage to your auto / Transportation expenses
    • 5.2 Personal ('18) auto policy / Coverage for damage to your auto / Exclusions
    • 5.2 Personal ('18) auto policy / Coverage for damage to your auto / Substitute transportation
    • 5.2 Personal ('18) auto policy / Coverage for damage to your auto / Towing and labor (PP 03 03)
    • 5.2 Personal ('18) auto policy / Duties after an accident or loss
    • 5.2 Personal ('18) auto policy / General provisions
    • 5.2 Personal ('18) auto policy / Selected endorsements
    • 5.2 Personal ('18) auto policy / Selected endorsements / Amendment of policy provisions — Ohio (PP 01 86)
    • 5.2 Personal ('18) auto policy / Selected endorsements / Extended non-owned coverage (PP 03 06)
    • 5.2 Personal ('18) auto policy / Selected endorsements / Miscellaneous type vehicle (PP 03 23)
    • 5.2 Personal ('18) auto policy / Selected endorsements / Joint ownership coverage (PP 03 34)
    • 5.3 Commercial auto ('20)
    • 5.3 Commercial auto ('20) / Commercial auto coverage forms
    • 5.3 Commercial auto ('20) / Commercial auto coverage forms / Business auto
    • 5.3 Commercial auto ('20) / Commercial auto coverage forms / Garage
    • 5.3 Commercial auto ('20) / Commercial auto coverage forms / Business auto physical damage
    • 5.3 Commercial auto ('20) / Commercial auto coverage forms / Truckers
    • 5.3 Commercial auto ('20) / Commercial auto coverage forms / Motor carrier
    • 5.3 Commercial auto ('20) / Coverage form sections
    • 5.3 Commercial auto ('20) / Coverage form sections / Symbols/covered autos
    • 5.3 Commercial auto ('20) / Coverage form sections / Liability coverage
    • 5.3 Commercial auto ('20) / Coverage form sections / Garage keepers coverage
    • 5.3 Commercial auto ('20) / Coverage form sections / Trailer interchange coverage
    • 5.3 Commercial auto ('20) / Coverage form sections / Physical damage coverage
    • 5.3 Commercial auto ('20) / Coverage form sections / Eligibility
    • 5.3 Commercial auto ('20) / Coverage form sections / Exclusions
    • 5.3 Commercial auto ('20) / Coverage form sections / Conditions
    • 5.3 Commercial auto ('20) / Coverage form sections / Definitions
    • 5.3 Commercial auto ('20) / Selected endorsements
    • 5.3 Commercial auto ('20) / Selected endorsements / Lessor — additional insured and loss payee (CA 20 01)
    • 5.3 Commercial auto ('20) / Selected endorsements / Mobile equipment (CA 20 15)
    • 5.3 Commercial auto ('20) / Selected endorsements / Auto medical payments coverage (CA 99 03)
    • 5.3 Commercial auto ('20) / Selected endorsements / Drive other car coverage (CA 99 10)
    • 5.3 Commercial auto ('20) / Selected endorsements / Individual named insured (CA 99 17)
    • 5.3 Commercial auto ('20) / Selected endorsements / Employees as insureds
    • 5.3 Commercial auto ('20) / Commercial carrier regulations
    • 5.3 Commercial auto ('20) / Commercial carrier regulations / The Motor Carrier Act of 1980
    • 5.3 Commercial auto ('20) / Commercial carrier regulations / Endorsement for motor carrier policies of insurance for public liability (MCS-90)
  • 6.0 Commercial Package Policy (CPP) (13%)
    • 6.1 Components of a commercial policy
    • 6.1 Components of a commercial policy / Common policy declarations
    • 6.1 Components of a commercial policy / Common policy conditions
    • 6.1 Components of a commercial policy / Interline endorsements
    • 6.1 Components of a commercial policy / One or more coverage parts
    • 6.2 Commercial general liability ('13)
    • 6.2 Commercial general liability ('13) / Commercial general liability coverages
    • 6.2 Commercial general liability ('13) / Commercial general liability coverages / Bodily injury and property damage liability
    • 6.2 Commercial general liability ('13) / Commercial general liability coverages / Personal and advertising injury liability
    • 6.2 Commercial general liability ('13) / Commercial general liability coverages / Medical payments
    • 6.2 Commercial general liability ('13) / Commercial general liability coverages / Supplementary payments
    • 6.2 Commercial general liability ('13) / Commercial general liability coverages / Fire legal liability
    • 6.2 Commercial general liability ('13) / Commercial general liability coverages / Limits of insurance
    • 6.2 Commercial general liability ('13) / Commercial general liability coverages / Exclusions
    • 6.2 Commercial general liability ('13) / Commercial general liability coverages / Conditions
    • 6.2 Commercial general liability ('13) / Commercial general liability coverages / Definitions
    • 6.2 Commercial general liability ('13) / Claims-made features
    • 6.2 Commercial general liability ('13) / Claims-made features / Trigger
    • 6.2 Commercial general liability ('13) / Claims-made features / Retroactive date
    • 6.2 Commercial general liability ('13) / Claims-made features / Extended reporting periods
    • 6.2 Commercial general liability ('13) / Claims-made features / Claim information
    • 6.2 Commercial general liability ('13) / Occurrence versus claims-made
    • 6.2 Commercial general liability ('13) / Premises and operations
    • 6.2 Commercial general liability ('13) / Per occurrence/aggregate
    • 6.2 Commercial general liability ('13) / Products and completed operations
    • 6.2 Commercial general liability ('13) / Insured contract
    • 6.2 Commercial general liability ('13) / Contingent liability
    • 6.2 Commercial general liability ('13) / Pollution liability
    • 6.2 Commercial general liability ('13) / Pollution liability / Coverage form
    • 6.2 Commercial general liability ('13) / Pollution liability / Limited coverage form
    • 6.2 Commercial general liability ('13) / Pollution liability / Extension endorsement
    • 6.3 Commercial Crime ('15)
    • 6.3 Commercial Crime ('15) / General definitions
    • 6.3 Commercial Crime ('15) / General definitions / Burglary
    • 6.3 Commercial Crime ('15) / General definitions / Theft
    • 6.3 Commercial Crime ('15) / General definitions / Robbery
    • 6.3 Commercial Crime ('15) / Crime coverage forms
    • 6.3 Commercial Crime ('15) / Crime coverage forms / Commercial crime coverage forms (discovery/loss sustained)
    • 6.3 Commercial Crime ('15) / Crime coverage forms / Government crime coverage forms (discovery/loss sustained)
    • 6.3 Commercial Crime ('15) / Coverages
    • 6.3 Commercial Crime ('15) / Coverages / Employee theft
    • 6.3 Commercial Crime ('15) / Coverages / Forgery or alteration
    • 6.3 Commercial Crime ('15) / Coverages / Inside the premises — theft of money and securities
    • 6.3 Commercial Crime ('15) / Coverages / Inside the premises — robbery or safe burglary of other property
    • 6.3 Commercial Crime ('15) / Coverages / Outside the premises
    • 6.3 Commercial Crime ('15) / Coverages / Computer fraud
    • 6.3 Commercial Crime ('15) / Coverages / Funds transfer fraud
    • 6.3 Commercial Crime ('15) / Coverages / Money orders and counterfeit money
    • 6.3 Commercial Crime ('15) / Other crime coverage
    • 6.3 Commercial Crime ('15) / Other crime coverage / Extortion — commercial entities (CR 04 03)
    • 6.3 Commercial Crime ('15) / Other crime coverage / Lessees of safe deposit boxes
    • 6.3 Commercial Crime ('15) / Other crime coverage / Securities deposited with others
    • 6.3 Commercial Crime ('15) / Other crime coverage / Guests' property
    • 6.3 Commercial Crime ('15) / Other crime coverage / Safe depository
    • 6.4 Farm coverage
    • 6.4 Farm coverage / Farm liability coverage forms ('16)
    • 6.4 Farm coverage / Farm liability coverage forms ('16) / Coverage H — Bodily injury and property damage liability
    • 6.4 Farm coverage / Farm liability coverage forms ('16) / Coverage I — Personal and advertising injury liability
    • 6.4 Farm coverage / Farm liability coverage forms ('16) / Coverage J — Medical payments
    • 6.4 Farm coverage / Cause of loss (basic, broad and special)
    • 6.4 Farm coverage / Additional coverages
    • 6.4 Farm coverage / Eligibility
    • 6.4 Farm coverage / Exclusions
    • 6.4 Farm coverage / Limits of insurance
    • 6.4 Farm coverage / Conditions
    • 6.4 Farm coverage / Definitions
  • 7.0 Businessowners ('13) Policy (6%)
    • 7.1 Characteristics and purpose
    • 7.2 Businessowners Section II — Liability
    • 7.2 Businessowners Section II — Liability / Eligibility
    • 7.2 Businessowners Section II — Liability / Coverages
    • 7.2 Businessowners Section II — Liability / Exclusions
    • 7.2 Businessowners Section II — Liability / Limits of insurance
    • 7.2 Businessowners Section II — Liability / General conditions
    • 7.2 Businessowners Section II — Liability / Definitions
    • 7.3 Businessowners Section III — Common Policy Conditions
    • 7.4 Selected endorsements
    • 7.4 Selected endorsements / Hired auto and non-owned auto liability (BP 04 04)
    • 7.4 Selected endorsements / Protective safeguards (BP 04 30)
    • 7.4 Selected endorsements / Utility services — direct damage (BP 04 56)
    • 7.4 Selected endorsements / Utility services — time element (BP 04 57)
  • 8.0 Workers' Compensation Insurance (8%)
    • 8.1 Workers' compensation laws
    • 8.1 Workers' compensation laws / Types of laws
    • 8.1 Workers' compensation laws / Types of laws / Compulsory versus elective (4123.12, .35, .54)
    • 8.1 Workers' compensation laws / Types of laws / Monopolistic versus competitive
    • 8.1 Workers' compensation laws / Ohio Workers' Compensation Law (Chapter 4123)
    • 8.1 Workers' compensation laws / Ohio Workers' Compensation Law (Chapter 4123) / Exclusive remedy (4123.54)
    • 8.1 Workers' compensation laws / Ohio Workers' Compensation Law (Chapter 4123) / Employment covered (required, voluntary) (4123.01, .28, .54))
    • 8.1 Workers' compensation laws / Ohio Workers' Compensation Law (Chapter 4123) / Covered injuries (4123.54, .55, .84)
    • 8.1 Workers' compensation laws / Ohio Workers' Compensation Law (Chapter 4123) / Occupational disease (4123.01(F))
    • 8.1 Workers' compensation laws / Ohio Workers' Compensation Law (Chapter 4123) / Benefits provided (4123.30, .54, .55-.59, .60-.61, .66)
    • 8.1 Workers' compensation laws / Ohio Workers' Compensation Law (Chapter 4123) / Second/subsequent injury fund
    • 8.1 Workers' compensation laws / Federal workers' compensation laws
    • 8.1 Workers' compensation laws / Federal workers' compensation laws / Longshore and Harbor Workers' Compensation Act (33 UC 904)
    • 8.1 Workers' compensation laws / Federal workers' compensation laws / Federal Employers Liability Act
    • 8.1 Workers' compensation laws / Federal workers' compensation laws / The Jones Act
    • 8.2 Workers' compensation and employers liability insurance policy
    • 8.2 Workers' compensation and employers liability insurance policy / Part One — Workers' compensation insurance
    • 8.2 Workers' compensation and employers liability insurance policy / Part Two — Employers liability insurance
    • 8.2 Workers' compensation and employers liability insurance policy / Part Three — Other states insurance
    • 8.2 Workers' compensation and employers liability insurance policy / Part Four — Your duty if injury occurs
    • 8.2 Workers' compensation and employers liability insurance policy / Part Five — Premium
    • 8.2 Workers' compensation and employers liability insurance policy / Part Six — Conditions
    • 8.3 Selected endorsements and rating factors
    • 8.3 Selected endorsements and rating factors / Foreign coverage
    • 8.3 Selected endorsements and rating factors / Voluntary compensation
    • 8.3 Selected endorsements and rating factors / All states
    • 8.3 Selected endorsements and rating factors / Job classification
    • 8.3 Selected endorsements and rating factors / Payroll
    • 8.3 Selected endorsements and rating factors / Experience modification factor
    • 8.3 Selected endorsements and rating factors / Premium discounts
    • 8.3 Selected endorsements and rating factors / Participation plans
  • 9.0 Other Coverages and Options (6%)
    • 9.1 Umbrella/excess liability policies
    • 9.1 Umbrella/excess liability policies / Personal (DL 98 01)
    • 9.1 Umbrella/excess liability policies / Commercial (CU 00 01)
    • 9.2 Specialty liability insurance
    • 9.2 Specialty liability insurance / Professional liability
    • 9.2 Specialty liability insurance / Errors and omissions
    • 9.2 Specialty liability insurance / Directors and officers liability
    • 9.2 Specialty liability insurance / Fiduciary liability
    • 9.2 Specialty liability insurance / Liquor liability
    • 9.2 Specialty liability insurance / Employment practices liability
    • 9.2 Specialty liability insurance / Employee Benefits
    • 9.2 Specialty liability insurance / Identity Fraud Expense Coverage
    • 9.3 Surplus lines
    • 9.3 Surplus lines / Eligibility
    • 9.3 Surplus lines / Definitions and non-admitted markets
    • 9.3 Surplus lines / Licensing requirements
    • 9.4 Surety bonds
    • 9.4 Surety bonds / Nature of bonds
    • 9.4 Surety bonds / Nature of bonds / Bond period
    • 9.4 Surety bonds / Nature of bonds / Discovery bond
    • 9.4 Surety bonds / Nature of bonds / Limit of liability
    • 9.4 Surety bonds / Nature of bonds / Termination of coverage
    • 9.4 Surety bonds / Parties to a bond
    • 9.4 Surety bonds / Parties to a bond / Principal, obligee, surety
    • 9.4 Surety bonds / Purpose of bonds
    • 9.4 Surety bonds / Purpose of bonds / Surety, fidelity
    • 9.4 Surety bonds / Types of fidelity bonds
    • 9.4 Surety bonds / Types of fidelity bonds / Employee theft, public official, financial institution, fiduciary
    • 9.4 Surety bonds / Types of surety bonds
    • 9.4 Surety bonds / Types of surety bonds / Contract, license, judicial, permit
    • 9.5 Aviation insurance
    • 9.5 Aviation insurance / Aircraft liability
    • 9.5 Aviation insurance / Aircraft liability / Hull, cargo, freight
    • 9.5 Aviation insurance / Aircraft liability / Implied warranties
    • 9.5 Aviation insurance / Aircraft liability / Perils
    • 9.5 Aviation insurance / Aircraft liability / Drone coverage
    • 9.5 Aviation insurance / Aircraft liability / General and particular average
    • 9.6 Ocean marine insurance
    • 9.6 Ocean marine insurance / Policy provisions
    • 9.6 Ocean marine insurance / Policy provisions / Protection and indemnity
    • 9.6 Ocean marine insurance / Policy provisions / Implied warranties
    • 9.6 Ocean marine insurance / Policy provisions / Perils
    • 9.6 Ocean marine insurance / Policy provisions / General and particular average
    • 9.6 Ocean marine insurance / Coverage Forms
    • 9.6 Ocean marine insurance / Coverage Forms / Floaters - e.g., personal articles, jewelry, and effects, fine arts, camera, musical instruments
    • 9.7 Other policies
    • 9.7 Other policies / Boat owners
    • 9.7 Other policies / Boat owners / Personal watercraft
    • 9.7 Other policies / Boat owners / Recreational vehicles
    • 9.9 Residual markets
    • 9.9 Residual markets / Ohio Automobile Insurance Plan (4509.70)
Examination sources

Ohio Property Insurance Agent

Provider
PSI Services LLC
Format
Computer-administered written examination
Exam questions
100 scored questions; additional unscored experimental questions may appear
Time limit
2 hours
Passing score
70%
Examination outline
  • 1.0 Insurance Regulation (10%)
    • 1.1 Licensing
    • 1.1 Licensing / Maintenance and duration (3905.06, .16; 3901-5-09)
    • 1.1 Licensing / Maintenance and duration (3905.06, .16; 3901-5-09) / Requirements (3905.02, .04, .041, .05, .051, .06; 3901-5-09)
    • 1.1 Licensing / Maintenance and duration (3905.06, .16; 3901-5-09) / Resident/nonresident (3905.01(C), .06, .061, .07, .071)
    • 1.1 Licensing / Maintenance and duration (3905.06, .16; 3901-5-09) / Change in name, address, email, telephone number (3905.061, 3905.071; 3901-5-09)
    • 1.1 Licensing / Maintenance and duration (3905.06, .16; 3901-5-09) / Renewal/nonrenewal (3905.06; 3901-5-09(J))
    • 1.1 Licensing / Maintenance and duration (3905.06, .16; 3901-5-09) / Temporary license (3905.09)
    • 1.1 Licensing / Maintenance and duration (3905.06, .16; 3901-5-09) / Duty to report criminal convictions and administrative disciplinary actions (3905.22)
    • 1.1 Licensing / Maintenance and duration (3905.06, .16; 3901-5-09) / Assumed business names (3905.11)
    • 1.1 Licensing / Maintenance and duration (3905.06, .16; 3901-5-09) / Continuing education including exemptions and penalties (3905.06, 3905.481; 3901-5-01; 3901-5-05(D), 3901-5-09(L)(7))
    • 1.1 Licensing / Maintenance and duration (3905.06, .16; 3901-5-09) / Inactivity due to military service (3905.06(G)); 3901-5-09(J))
    • 1.1 Licensing / Maintenance and duration (3905.06, .16; 3901-5-09) / Inactivity due to extenuating circumstances (3905.06(G); 3901- 5-09(J))
    • 1.1 Licensing / Disciplinary actions (3905.14)
    • 1.1 Licensing / Disciplinary actions (3905.14) / License denial, probation, surrender, suspension, revocation, or refusal to issue or renew (3901.22(D)(1); 3905.14, 3905.16; 3901-5-12)
    • 1.1 Licensing / Disciplinary actions (3905.14) / Failure to pay taxes (3905.14(B)(14))
    • 1.1 Licensing / Disciplinary actions (3905.14) / Failure to appear for an interview (3905.14(B)(22))
    • 1.1 Licensing / Disciplinary actions (3905.14) / Failure to provide department with a written response (3905.14(B)(21))
    • 1.1 Licensing / Disciplinary actions (3905.14) / Penalties and fines for violations (3901.22(D), (F), 3905.14(B), (D), (E), (F), (G), (H), .99)
    • 1.1 Licensing / Disciplinary actions (3905.14) / Penalties and fines for violations (3901.22(D), (F), 3905.14(B), (D), (E), (F), (G), (H), .99) / Cease and desist orders (3901.221; 3905.14(H), 3901.22(D))
    • 1.1 Licensing / Disciplinary actions (3905.14) / Penalties and fines for violations (3901.22(D), (F), 3905.14(B), (D), (E), (F), (G), (H), .99) / Civil
    • 1.1 Licensing / Disciplinary actions (3905.14) / Penalties and fines for violations (3901.22(D), (F), 3905.14(B), (D), (E), (F), (G), (H), .99) / Criminal
    • 1.1 Licensing / Disciplinary actions (3905.14) / Penalties and fines for violations (3901.22(D), (F), 3905.14(B), (D), (E), (F), (G), (H), .99) / Hearings (3901.22; 3905.14(D); ORC 119)
    • 1.1 Licensing / Disciplinary actions (3905.14) / Consent/Settlement agreements (3901.22(G))
    • 1.2 State regulation
    • 1.2 State regulation / Acts constituting insurance transactions (3901.17; 3905.02, 3905.42)
    • 1.2 State regulation / Acts constituting insurance transactions (3901.17; 3905.02, 3905.42) / Negotiate, sell, solicit (3905.01, .02)
    • 1.2 State regulation / Director's general duties and powers (3901.01, 3901.011, .04, .041; 3905.12)
    • 1.2 State regulation / Company regulation
    • 1.2 State regulation / Company regulation / Certificate of authority (3925.11, 3927.01, 3929.01)
    • 1.2 State regulation / Company regulation / Insolvency (3903.01(O))
    • 1.2 State regulation / Company regulation / Policy forms/rates/exceptions (3935.04; 3937.03)
    • 1.2 State regulation / Company regulation / Financial requirements (3901-1-50; 3901-3-04; 3929.011, 3929.07, 3929.11)
    • 1.2 State regulation / Company regulation / Unfair trade and claims settlement practices (3901.19-26; 3901-1- 07; 3901-1-54))
    • 1.2 State regulation / Company regulation / Agent regulation
    • 1.2 State regulation / Company regulation / Agent regulation / Commissions, compensations, fees (3905.18, .181; 3901-5-09(N), 3905.55)
    • 1.2 State regulation / Company regulation / Agent regulation / Reporting of felony and crimes of moral turpitude (3905.14 (B)(6), (B)(7), .22)
    • 1.2 State regulation / Company regulation / Agent regulation / Policy/application signature (3905.14(B)(11), (26))
    • 1.2 State regulation / Appointment procedures
    • 1.2 State regulation / Appointment procedures / Agent appointment (3905.20; 3901-5-09(K))
    • 1.2 State regulation / Appointment procedures / Cancellation of appointment (3905.16(B)(1))
    • 1.2 State regulation / Appointment procedures / Termination notification (3905.21)
    • 1.2 State regulation / Unfair insurance trade practices (3901.20, .21)
    • 1.2 State regulation / Unfair insurance trade practices (3901.20, .21) / Rebating (3933.01)
    • 1.2 State regulation / Unfair insurance trade practices (3901.20, .21) / Premium refunds and other incentives (3905.14(B)(32); Bulletin 2019-04 and 2019-05)
    • 1.2 State regulation / Unfair insurance trade practices (3901.20, .21) / False advertising (3901.21(A), (B), (C), (D), (E), 3901.24; 3905.43; 3999.10, .11)
    • 1.2 State regulation / Unfair insurance trade practices (3901.20, .21) / Misrepresentation (3901.21; 3905.14(B)(5); 3999.08)
    • 1.2 State regulation / Unfair insurance trade practices (3901.20, .21) / Defamation of insurer (3901.21(C ), (D); 3999.09)
    • 1.2 State regulation / Unfair insurance trade practices (3901.20, .21) / Unfair discrimination (3901.21(L), (M), (N))
    • 1.2 State regulation / Unfair insurance trade practices (3901.20, .21) / Illegal inducements (3933.01; Bulletin 2019-04 and 2019-05)
    • 1.2 State regulation / Unfair insurance trade practices (3901.20, .21) / General grounds for disciplinary action (3905.14(B))
    • 1.2 State regulation / Examination of books and records (3901.04, .07)
    • 1.2 State regulation / Insurance fraud regulation (3999.21, .31, .37, .41, .42, .99; 2913.47, 3901.44)
    • 1.2 State regulation / Insurance information privacy (3901.44; 3904.04, 3904.13, 3904.14, 3965.01-.11)
    • 1.2 State regulation / Consumer information/fees (3905.55; 3905.181)
    • 1.3 Federal regulation
    • 1.3 Federal regulation / Fair Credit Reporting Act (15 USC 1681–1681d)
    • 1.3 Federal regulation / Fraud and false statements including 1033 waiver (18 USC 1033, 1034)
    • 1.3 Federal regulation / Other federal regulations (e.g., Do Not Call List) (https://www.donotcall.gov/)
  • 2.0 General Insurance (10%)
    • 2.1 Concepts
    • 2.1 Concepts / Risk management key terms
    • 2.1 Concepts / Risk management key terms / Risk
    • 2.1 Concepts / Risk management key terms / Exposure
    • 2.1 Concepts / Risk management key terms / Hazard
    • 2.1 Concepts / Risk management key terms / Peril
    • 2.1 Concepts / Risk management key terms / Loss
    • 2.1 Concepts / Methods of handling risk
    • 2.1 Concepts / Methods of handling risk / Avoidance
    • 2.1 Concepts / Methods of handling risk / Retention
    • 2.1 Concepts / Methods of handling risk / Sharing
    • 2.1 Concepts / Methods of handling risk / Reduction
    • 2.1 Concepts / Methods of handling risk / Transfer
    • 2.1 Concepts / Elements of insurable risks
    • 2.1 Concepts / Adverse selection
    • 2.1 Concepts / Law of large numbers
    • 2.1 Concepts / Reinsurance
    • 2.1 Concepts / Indemnity/pay on behalf of
    • 2.2 Insurers
    • 2.2 Insurers / Types of insurers
    • 2.2 Insurers / Types of insurers / Stock companies
    • 2.2 Insurers / Types of insurers / Mutual companies
    • 2.2 Insurers / Types of insurers / Fraternal benefit societies
    • 2.2 Insurers / Types of insurers / Reciprocals
    • 2.2 Insurers / Types of insurers / Lloyd's associations
    • 2.2 Insurers / Types of insurers / Risk retention groups
    • 2.2 Insurers / Types of insurers / Surplus lines
    • 2.2 Insurers / Authorized/admitted versus unauthorized/non-admitted insurers
    • 2.2 Insurers / Domestic, foreign and alien insurers
    • 2.2 Insurers / Financial solvency status (e.g., A.M. Best, Standard and Poor's, Moody's, NAIC)
    • 2.2 Insurers / Marketing (distribution) systems
    • 2.3 Agent and general rules of agency
    • 2.3 Agent and general rules of agency / Insurer as principal
    • 2.3 Agent and general rules of agency / Agent/insurer relationship
    • 2.3 Agent and general rules of agency / Authority and powers of agents
    • 2.3 Agent and general rules of agency / Authority and powers of agents / Express
    • 2.3 Agent and general rules of agency / Authority and powers of agents / Implied
    • 2.3 Agent and general rules of agency / Authority and powers of agents / Apparent
    • 2.3 Agent and general rules of agency / Responsibilities to the applicant/insured
    • 2.4 Contracts
    • 2.4 Contracts / Elements of a legal contract
    • 2.4 Contracts / Elements of a legal contract / Offer and acceptance
    • 2.4 Contracts / Elements of a legal contract / Consideration
    • 2.4 Contracts / Elements of a legal contract / Competent parties
    • 2.4 Contracts / Elements of a legal contract / Legal purpose
    • 2.4 Contracts / Distinct characteristics of an insurance contract
    • 2.4 Contracts / Distinct characteristics of an insurance contract / Contract of adhesion
    • 2.4 Contracts / Distinct characteristics of an insurance contract / Aleatory contract
    • 2.4 Contracts / Distinct characteristics of an insurance contract / Personal contract
    • 2.4 Contracts / Distinct characteristics of an insurance contract / Unilateral contract
    • 2.4 Contracts / Distinct characteristics of an insurance contract / Conditional contract
    • 2.4 Contracts / Legal interpretations affecting contracts
    • 2.4 Contracts / Legal interpretations affecting contracts / Ambiguities in a contract of adhesion
    • 2.4 Contracts / Legal interpretations affecting contracts / Reasonable expectations
    • 2.4 Contracts / Legal interpretations affecting contracts / Indemnity
    • 2.4 Contracts / Legal interpretations affecting contracts / Utmost good faith
    • 2.4 Contracts / Legal interpretations affecting contracts / Representations/misrepresentations
    • 2.4 Contracts / Legal interpretations affecting contracts / Warranties
    • 2.4 Contracts / Legal interpretations affecting contracts / Concealment
    • 2.4 Contracts / Legal interpretations affecting contracts / Fraud
    • 2.4 Contracts / Legal interpretations affecting contracts / Waiver and estoppel
  • 3.0 Property Insurance Basics (20%)
    • 3.1 Principles and concepts
    • 3.1 Principles and concepts / Insurable interest
    • 3.1 Principles and concepts / Underwriting
    • 3.1 Principles and concepts / Underwriting / Credit scores
    • 3.1 Principles and concepts / Underwriting / Loss ratio
    • 3.1 Principles and concepts / Rates
    • 3.1 Principles and concepts / Rates / Types
    • 3.1 Principles and concepts / Rates / Loss costs
    • 3.1 Principles and concepts / Rates / Components
    • 3.1 Principles and concepts / Hazards
    • 3.1 Principles and concepts / Hazards / Physical
    • 3.1 Principles and concepts / Hazards / Moral
    • 3.1 Principles and concepts / Hazards / Morale
    • 3.1 Principles and concepts / Negligence
    • 3.1 Principles and concepts / Negligence / Elements of a negligent act
    • 3.1 Principles and concepts / Negligence / Defenses against negligence
    • 3.1 Principles and concepts / Damages
    • 3.1 Principles and concepts / Damages / Compensatory — special versus general
    • 3.1 Principles and concepts / Damages / Punitive
    • 3.1 Principles and concepts / Types of liability
    • 3.1 Principles and concepts / Types of liability / Absolute
    • 3.1 Principles and concepts / Types of liability / Strict
    • 3.1 Principles and concepts / Types of liability / Vicarious
    • 3.1 Principles and concepts / Causes of loss (perils)
    • 3.1 Principles and concepts / Causes of loss (perils) / Direct loss
    • 3.1 Principles and concepts / Causes of loss (perils) / Consequential loss
    • 3.1 Principles and concepts / Causes of loss (perils) / Indirect loss
    • 3.1 Principles and concepts / Named perils versus special (open) perils
    • 3.1 Principles and concepts / Blanket versus specific insurance
    • 3.1 Principles and concepts / Basic types of construction
    • 3.1 Principles and concepts / Loss valuation
    • 3.1 Principles and concepts / Loss valuation / Actual cash value
    • 3.1 Principles and concepts / Loss valuation / Replacement cost
    • 3.1 Principles and concepts / Loss valuation / Functional replacement cost
    • 3.1 Principles and concepts / Loss valuation / Market/agreed value
    • 3.1 Principles and concepts / Loss valuation / Valued amount
    • 3.1 Principles and concepts / Loss valuation / Stated amount
    • 3.2 Policy structure
    • 3.2 Policy structure / Declarations
    • 3.2 Policy structure / Definitions
    • 3.2 Policy structure / Insuring agreement or clause
    • 3.2 Policy structure / Additional/supplementary coverage
    • 3.2 Policy structure / Conditions
    • 3.2 Policy structure / Exclusions
    • 3.2 Policy structure / Endorsements
    • 3.3 Common policy provisions
    • 3.3 Common policy provisions / Insureds — named, first named, additional
    • 3.3 Common policy provisions / Policy period
    • 3.3 Common policy provisions / Policy territory
    • 3.3 Common policy provisions / Cancellation and nonrenewal
    • 3.3 Common policy provisions / Deductibles
    • 3.3 Common policy provisions / Coinsurance
    • 3.3 Common policy provisions / Other insurance
    • 3.3 Common policy provisions / Other insurance / Non-concurrency
    • 3.3 Common policy provisions / Other insurance / Primary and excess
    • 3.3 Common policy provisions / Other insurance / Pro rata
    • 3.3 Common policy provisions / Other insurance / Contribution by equal shares
    • 3.3 Common policy provisions / Limits of liability insurance
    • 3.3 Common policy provisions / Limits of liability insurance / Per occurrence (accident)
    • 3.3 Common policy provisions / Limits of liability insurance / Per person
    • 3.3 Common policy provisions / Limits of liability insurance / Aggregate — general versus products — completed operations
    • 3.3 Common policy provisions / Limits of liability insurance / Split
    • 3.3 Common policy provisions / Limits of liability insurance / Combined single
    • 3.3 Common policy provisions / Restoration/non-reduction of limits
    • 3.3 Common policy provisions / Vacancy or un-occupancy
    • 3.3 Common policy provisions / Named insured provisions
    • 3.3 Common policy provisions / Named insured provisions / Duties after loss
    • 3.3 Common policy provisions / Named insured provisions / Assignment
    • 3.3 Common policy provisions / Named insured provisions / Abandonment
    • 3.3 Common policy provisions / Policy provisions
    • 3.3 Common policy provisions / Policy provisions / Liberalization
    • 3.3 Common policy provisions / Policy provisions / Subrogation
    • 3.3 Common policy provisions / Policy provisions / Salvage
    • 3.3 Common policy provisions / Policy provisions / Claim settlement options
    • 3.3 Common policy provisions / Policy provisions / Replacement cost vs. actual cash value
    • 3.3 Common policy provisions / Policy provisions / Duty to defend
    • 3.3 Common policy provisions / Third-party provisions
    • 3.3 Common policy provisions / Third-party provisions / Standard mortgage clause
    • 3.3 Common policy provisions / Third-party provisions / Loss payable clause
    • 3.3 Common policy provisions / Third-party provisions / No benefit to the bailee
    • 3.3 Common policy provisions / Third-party provisions / Additional insured
    • 3.4 Ohio laws, regulations and required provisions
    • 3.4 Ohio laws, regulations and required provisions / Ohio Valued Policy Law (3929.25)
    • 3.4 Ohio laws, regulations and required provisions / Ohio Insurance Guaranty Association (3955.01-.10, .12.-.19)
    • 3.4 Ohio laws, regulations and required provisions / Cancellation and nonrenewal (3929.19-.22, .24; 3937.25-.411, 3937.47; 3901-1-18(D))
    • 3.4 Ohio laws, regulations and required provisions / Binders (4509.56; 3901-1-18(I))
    • 3.4 Ohio laws, regulations and required provisions / Controlled business (3905.61-.65))
    • 3.4 Ohio laws, regulations and required provisions / Retaliatory provisions (3901.86)
    • 3.4 Ohio laws, regulations and required provisions / Concealment, misrepresentation or fraud (2913.47, 3999.31)
    • 3.4 Ohio laws, regulations and required provisions / Declination of insurance and unfair discrimination (3901.21(L), (M), (N))
    • 3.4 Ohio laws, regulations and required provisions / Mine subsidence (3929.50-.53, .55, .56, .58-.61; 3901-1-48)
    • 3.4 Ohio laws, regulations and required provisions / Terrorism Risk Insurance Program Reauthorization Act of 2019 (Pub. L. 116-94) (Bulletin 2015-02)
    • 3.4 Ohio laws, regulations and required provisions / Unfair Property/Casualty Claims Settlement Practices (3905.55; 3901-1-54; 3901-1-07)
    • 3.4 Ohio laws, regulations and required provisions / Fire Loss - Treasury Certificate/Demolition Fund (3929.86)
  • 4.0 Dwelling ('14) Policy (14%)
    • 4.1 Characteristics and purpose
    • 4.1 Characteristics and purpose / Eligibility
    • 4.1 Characteristics and purpose / Cancellation/renewal
    • 4.1 Characteristics and purpose / Cancellation/renewal / Reasons
    • 4.1 Characteristics and purpose / Cancellation/renewal / Notice
    • 4.2 Coverage forms — Perils insured against
    • 4.2 Coverage forms — Perils insured against / Basic
    • 4.2 Coverage forms — Perils insured against / Broad
    • 4.2 Coverage forms — Perils insured against / Special
    • 4.3 Property coverages
    • 4.3 Property coverages / Coverage A — Dwelling
    • 4.3 Property coverages / Coverage B — Other structures
    • 4.3 Property coverages / Coverage C — Personal property
    • 4.3 Property coverages / Coverage D — Fair rental value
    • 4.3 Property coverages / Coverage E — Additional living expense
    • 4.3 Property coverages / Other coverages
    • 4.4 General exclusions
    • 4.5 Conditions and definitions
    • 4.6 Selected endorsements
    • 4.6 Selected endorsements / Special provisions — Ohio (DP 01 34)
    • 4.6 Selected endorsements / Automatic increase in insurance (DP 04 11)
    • 4.6 Selected endorsements / Broad theft coverage (DP 04 72)
    • 4.6 Selected endorsements / Dwelling under construction (DP 11 43)
    • 4.7 Personal liability supplement
    • 4.7 Personal liability supplement / Cancellation/nonrenewal
  • 5.0 Homeowners ('22) Policy (18%)
    • 5.1 Eligibility and definitions
    • 5.2 Coverage forms
    • 5.2 Coverage forms / HO-2 through HO-6
    • 5.2 Coverage forms / HO-8
    • 5.3 Section I — Property coverages
    • 5.3 Section I — Property coverages / Coverage A — Dwelling
    • 5.3 Section I — Property coverages / Coverage B — Other structures
    • 5.3 Section I — Property coverages / Coverage C — Personal property
    • 5.3 Section I — Property coverages / Coverage D — Loss of use
    • 5.3 Section I — Property coverages / Additional coverages
    • 5.5 Perils insured against
    • 5.6 Exclusions
    • 5.7 Conditions
    • 5.8 Selected endorsements
    • 5.8 Selected endorsements / Special provisions — Ohio (HO 01 34)
    • 5.8 Selected endorsements / Limited fungi, wet or dry rot, or bacteria coverage (HO 04 26, HO 04 27)
    • 5.8 Selected endorsements / Permitted incidental occupancies (HO 04 42)
    • 5.8 Selected endorsements / Earthquake (HO 04 54)
    • 5.8 Selected endorsements / Scheduled personal property (HO 04 61)
    • 5.8 Selected endorsements / Personal property replacement cost (HO 04 90)
    • 5.8 Selected endorsements / Home day care (HO 04 97)
  • 6.0 Commercial Package Policy (CPP) (16%)
    • 6.1 Components of a commercial policy
    • 6.1 Components of a commercial policy / Common policy declarations
    • 6.1 Components of a commercial policy / Common policy conditions
    • 6.1 Components of a commercial policy / Interline endorsements
    • 6.1 Components of a commercial policy / One or more coverage parts
    • 6.2 Commercial property ('12)
    • 6.2 Commercial property ('12) / Definitions, conditions, exclusions
    • 6.2 Commercial property ('12) / Coverage forms
    • 6.2 Commercial property ('12) / Coverage forms / Building and personal property
    • 6.2 Commercial property ('12) / Coverage forms / Condominium association
    • 6.2 Commercial property ('12) / Coverage forms / Condominium commercial unit-owners
    • 6.2 Commercial property ('12) / Coverage forms / Builders risk
    • 6.2 Commercial property ('12) / Coverage forms / Business income
    • 6.2 Commercial property ('12) / Coverage forms / Legal liability
    • 6.2 Commercial property ('12) / Coverage forms / Extra expense
    • 6.2 Commercial property ('12) / Causes of loss forms
    • 6.2 Commercial property ('12) / Causes of loss forms / Basic
    • 6.2 Commercial property ('12) / Causes of loss forms / Broad
    • 6.2 Commercial property ('12) / Causes of loss forms / Special
    • 6.2 Commercial property ('12) / Selected endorsements
    • 6.2 Commercial property ('12) / Selected endorsements / Ordinance or law (CP 04 05)
    • 6.2 Commercial property ('12) / Selected endorsements / Spoilage (CP 04 40)
    • 6.2 Commercial property ('12) / Selected endorsements / Peak season limit of insurance (CP 12 30)
    • 6.2 Commercial property ('12) / Selected endorsements / Value reporting form (CP 13 10)
    • 6.3 Commercial inland marine ('13)
    • 6.3 Commercial inland marine ('13) / Nationwide marine definition
    • 6.3 Commercial inland marine ('13) / Commercial Inland marine conditions forms
    • 6.3 Commercial inland marine ('13) / Commercial inland marine coverage forms
    • 6.3 Commercial inland marine ('13) / Commercial inland marine coverage forms / Accounts receivable
    • 6.3 Commercial inland marine ('13) / Commercial inland marine coverage forms / Bailee's customer
    • 6.3 Commercial inland marine ('13) / Commercial inland marine coverage forms / Commercial articles
    • 6.3 Commercial inland marine ('13) / Commercial inland marine coverage forms / Contractors equipment floater
    • 6.3 Commercial inland marine ('13) / Commercial inland marine coverage forms / Electronic data processing
    • 6.3 Commercial inland marine ('13) / Commercial inland marine coverage forms / Equipment dealers
    • 6.3 Commercial inland marine ('13) / Commercial inland marine coverage forms / Installation floater
    • 6.3 Commercial inland marine ('13) / Commercial inland marine coverage forms / Jewelers block
    • 6.3 Commercial inland marine ('13) / Commercial inland marine coverage forms / Signs
    • 6.3 Commercial inland marine ('13) / Commercial inland marine coverage forms / Valuable papers and records
    • 6.3 Commercial inland marine ('13) / Transportation coverages
    • 6.3 Commercial inland marine ('13) / Transportation coverages / Common carrier cargo liability
    • 6.3 Commercial inland marine ('13) / Transportation coverages / Motor truck cargo forms
    • 6.3 Commercial inland marine ('13) / Transportation coverages / Transit coverage forms
    • 6.4 Equipment breakdown ('13)
    • 6.4 Equipment breakdown ('13) / Definitions, coverages and exclusions (EB 00 20)
    • 6.4 Equipment breakdown ('13) / Equipment breakdown protection coverage form (EB 00 20)
    • 6.4 Equipment breakdown ('13) / Selected endorsements
    • 6.4 Equipment breakdown ('13) / Selected endorsements / Business income - Report of values (EB R 002)
    • 6.4 Equipment breakdown ('13) / Selected endorsements / Actual cash value (EB 99 59)
    • 6.5 Farm coverage
    • 6.5 Farm coverage / Farm property coverage forms ('16)
    • 6.5 Farm coverage / Farm property coverage forms ('16) / Coverage A — Dwellings
    • 6.5 Farm coverage / Farm property coverage forms ('16) / Coverage B — Other private structures
    • 6.5 Farm coverage / Farm property coverage forms ('16) / Coverage C — Household personal property
    • 6.5 Farm coverage / Farm property coverage forms ('16) / Coverage D — Loss of use
    • 6.5 Farm coverage / Farm property coverage forms ('16) / Coverage E — Scheduled farm personal property
    • 6.5 Farm coverage / Farm property coverage forms ('16) / Coverage F — Unscheduled farm personal property
    • 6.5 Farm coverage / Farm property coverage forms ('16) / Coverage G — Other farm structures
    • 6.5 Farm coverage / Livestock coverage form
    • 6.5 Farm coverage / Mobile agricultural machinery and equipment coverage form
    • 6.5 Farm coverage / Cause of loss (basic, broad and special)
    • 6.5 Farm coverage / Additional coverages
    • 6.5 Farm coverage / Eligibility
    • 6.5 Farm coverage / Exclusions
    • 6.5 Farm coverage / Limits of insurance
    • 6.5 Farm coverage / Conditions
    • 6.5 Farm coverage / Definitions
  • 7.0 Businessowners ('13) Policy (6%)
    • 7.1 Characteristics and purpose
    • 7.2 Businessowners Section I — Property
    • 7.2 Businessowners Section I — Property / Definitions
    • 7.2 Businessowners Section I — Property / General conditions
    • 7.2 Businessowners Section I — Property / Loss conditions
    • 7.2 Businessowners Section I — Property / Exclusions
    • 7.2 Businessowners Section I — Property / Coverage
    • 7.2 Businessowners Section I — Property / Limits of insurance
    • 7.2 Businessowners Section I — Property / Deductibles
    • 7.2 Businessowners Section I — Property / Optional coverages
    • 7.3 Businessowners Section III — Common Policy Conditions
    • 7.4 Selected endorsements
    • 7.4 Selected endorsements / Protective safeguards (BP 04 30)
    • 7.4 Selected endorsements / Utility services — direct damage (BP 04 56)
    • 7.4 Selected endorsements / Utility services — time element (BP 04 57)
  • 8.0 Other Coverages and Options (6%)
    • 8.1 Aviation insurance
    • 8.1 Aviation insurance / Hull, cargo, freight
    • 8.1 Aviation insurance / Implied warranties
    • 8.1 Aviation insurance / Perils
    • 8.1 Aviation insurance / Drone coverage
    • 8.1 Aviation insurance / General and particular average
    • 8.2 Ocean marine insurance
    • 8.2 Ocean marine insurance / Major coverages
    • 8.2 Ocean marine insurance / Major coverages / Hull insurance
    • 8.2 Ocean marine insurance / Major coverages / Cargo insurance
    • 8.2 Ocean marine insurance / Major coverages / Freight insurance
    • 8.2 Ocean marine insurance / Major coverages / Protection and indemnity
    • 8.2 Ocean marine insurance / Implied warranties
    • 8.2 Ocean marine insurance / Perils
    • 8.2 Ocean marine insurance / General and particular average
    • 8.3 National Flood Insurance Program
    • 8.3 National Flood Insurance Program / "Write your own" versus government
    • 8.3 National Flood Insurance Program / Eligibility
    • 8.3 National Flood Insurance Program / Coverage
    • 8.3 National Flood Insurance Program / Limits
    • 8.3 National Flood Insurance Program / Deductibles
    • 8.4 Other policies
    • 8.4 Other policies / Boat owners
    • 8.4 Other policies / Boat owners / Personal watercraft
    • 8.4 Other policies / Boat owners / Recreational vehicles
    • 8.4 Other policies / Difference in conditions
    • 8.5 Residual markets
    • 8.5 Residual markets / FAIR plans (3929.41-.49; 3901-1-18)
    • 8.5 Residual markets / Commercial Insurance Joint Underwriting Association (3930.01-.18)
Examination sources