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Free Ohio Casualty Insurance Agent Practice Questions

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Sample Practice Questions

Try these 10 sample questions from the Ohio Casualty Insurance Agent practice bank. Each includes the answer and explanation. Continue with the interactive practice above to review the full question set.

  1. 1An Ohio resident casualty agent wants the license issued under a nickname used socially. Under Ohio's licensing rule, in what name is the license issued?

    1. A. The applicant's legal name
    2. B. The agency's appointed name
    3. C. Any name used on advertising
    4. D. The insurer's registered trade name

    Answer: A

    Explanation: Ohio Rule 3901-5-09(D)(7) states, “A license is issued in the legal name of the applicant.” Therefore the social nickname is not the issuing name.

    Reference: Rule 3901-5-09 - Ohio Administrative Code | Ohio Laws — Rule 3901-5-09(D)(7)

  2. 2A short circuit starts a fire that destroys an insured warehouse's stock. In this description, what is the fire?

    1. A. The exposure
    2. B. The peril
    3. C. The hazard
    4. D. The loss

    Answer: B

    Explanation: The NAIC glossary defines a peril as "the cause of property damage or personal injury." The fire causes the damage; the short circuit is a contributing hazard, the warehouse stock is exposed property, and its damage is the loss.

    Reference: NAIC Glossary of Insurance Terms — NAIC Glossary, Peril

  3. 3Which Ohio rule applies when an insurer repeatedly and knowingly misrepresents pertinent policy provisions to claimants?

    1. A. It is an unfair or deceptive general business practice
    2. B. It is allowed after a reservation of rights
    3. C. It is only a rating violation
    4. D. It is solely a licensing-name violation

    Answer: A

    Explanation: Rule 3901-1-07(C)(1) identifies “Knowingly misrepresenting to claimants pertinent facts or policy provisions” when performed with general-business-practice frequency.

    Reference: Rule 3901-1-07 - Ohio Administrative Code | Ohio Laws — Rule 3901-1-07(C)(1)

  4. 4A homeowner wants a form under which the dwelling is ordinarily covered for perils unless excluded, while personal property is covered for listed perils. Which form fits that combination?

    1. A. HO-2
    2. B. HO-5
    3. C. HO-8
    4. D. HO-3

    Answer: D

    Explanation: Ohio's homeowners guide explains that under HO-3, "The policy will pay when the building damage is caused by any peril (subject to limitations in the policy) that is not on the list of exclusions. The HO-3 coverage for contents (personal property rather than the structure) is identical to the HO-2." The other form names do not have that precise building-versus-contents combination.

    Reference: Ohio Department of Insurance Homeowners Insurance Guide — Policy Choices, HO-3 The Special Form

  5. 5An insured materially misrepresents facts when procuring an Ohio automobile policy. May the insurer rely on that conduct as a statutory cancellation ground?

    1. A. Only after two policy years
    2. B. Only if no premium was paid
    3. C. Yes
    4. D. Only if the agent also misrepresented the risk

    Answer: C

    Explanation: ORC 3937.31(A)(1) lists “Fraud, concealment, or misrepresentation by the insured” of a material fact in procurement or renewal as a cancellation ground.

    Reference: Section 3937.31 - Ohio Revised Code | Ohio Laws — ORC 3937.31(A)(1)

  6. 6A large manufacturer wants one customizable policy assembled from property, machinery, crime, and general-liability coverage parts. Which policy structure fits?

    1. A. A commercial package policy
    2. B. A personal umbrella policy
    3. C. A stand-alone crime policy
    4. D. A stand-alone liability policy

    Answer: A

    Explanation: The Insurance Information Institute says commercial multiple peril policies "bundle property, boiler and machinery, crime, and general liability coverage together." This is the commercial package structure the manufacturer needs; the other choices provide narrower or excess protection rather than those combined primary coverage parts.

    Reference: Insurance Information Institute, Types of Commercial Policies — Commercial Multiple Peril Policies

  7. 7A small eligible retail business asks what a typical Businessowners Policy combines. Which coverage mix is characteristic of a BOP?

    1. A. Property, business interruption, and liability
    2. B. Property, commercial auto, and workers compensation
    3. C. Commercial auto, employee health, and disability
    4. D. Professional liability, health, and disability

    Answer: A

    Explanation: The NAIC describes a BOP as a package that "typically includes property, business interruption/continuation and liability insurance." It also says a BOP typically excludes commercial auto, workers' compensation, health, disability, and professional-practice liability, so the other mixes are not characteristic.

    Reference: NAIC Small Business Insurance — Small Business FAQ, What's a business owners policy?

  8. 8Unless authorized to self-insure, where does an Ohio private employer pay workers' compensation premium?

    1. A. To a private casualty carrier
    2. B. To the Ohio Insurance Guaranty Association
    3. C. To the county treasurer
    4. D. Into the state insurance fund

    Answer: D

    Explanation: ORC 4123.35(A) requires every private employer, subject to stated exceptions, to pay the fixed premium “into the state insurance fund.”

    Reference: Section 4123.35 - Ohio Revised Code | Ohio Laws — ORC 4123.35(A)

  9. 9A nonresident surplus-lines broker will personally perform Ohio's required due diligence. What Ohio authority must the broker also obtain?

    1. A. A resident title license
    2. B. A nonresident license with property and casualty authority
    3. C. A temporary life license
    4. D. A public-adjuster certificate

    Answer: B

    Explanation: ORC 3905.30(B) requires such a broker to obtain “a nonresident license with a property and casualty line of authority” in Ohio.

    Reference: Section 3905.30 - Ohio Revised Code | Ohio Laws — ORC 3905.30(B)

  10. 10What must an Ohio nonresident casualty agent maintain to keep the Ohio nonresident license?

    1. A. An Ohio resident business address
    2. B. An active resident license in another state
    3. C. An appointment with five Ohio insurers
    4. D. A separate Ohio prelicensing certificate

    Answer: B

    Explanation: Rule 3901-5-09(E)(8) says, “A nonresident must maintain an active resident license in another state in order to maintain the nonresident Ohio license.”

    Reference: Rule 3901-5-09 - Ohio Administrative Code | Ohio Laws — Rule 3901-5-09(E)(8)

Topics in this practice bank

These topics describe the available practice for Ohio Casualty Insurance Agent. Review the examination outline and its sources for scope and allocation details.

  • 1.0 Insurance Regulation
    • 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
    • 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
    • 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
    • 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
    • 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)
    • 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
    • 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
    • 8.1 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
    • 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)

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