Ohio Revised Code

Ohio Rev. Code § 3901.19 (2026)

Unfair and deceptive practices definitions

✓ current as of May 2026

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Effective:

September 1, 2002

Latest Legislation:

Senate Bill 129 - 124th General Assembly

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As used in sections 3901.19 to 3901.26 of the Revised Code:

(A) "Person" means any individual, corporation, association, partnership, reciprocal exchange, inter-insurer, fraternal benefit society, title guarantee and trust company, health insuring corporation, and any other legal entity.

(B) "Residents" includes any individual, partnership, or corporation.

(C) "Maternity benefits" means those benefits calculated to indemnify the insured for hospital and medical expenses fairly and reasonably associated with a pregnancy and childbirth.

(D) "Insurance" includes, but is not limited to, any policy or contract offered, issued, sold, or marketed by an insurer, corporation, association, organization, or entity regulated by the superintendent of insurance or doing business in this state. Nothing in any other section of the Revised Code shall be construed to exclude single premium deferred annuities from the regulation of the superintendent under sections 3901.19 to 3901.26 of the Revised Code.

(E) "Affiliate" means any company that controls, is controlled by, or is under common control with, another company.

(F) "Customer" means an individual who purchases, applies to purchase, or is solicited to purchase insurance products primarily for personal, family, or household purposes.

(G) "Depository institution" means a bank, savings bank, savings and loan association, or credit union that is subject to regulation or supervision by the United States or any state. "Depository institution" does not include an insurance company.

(H) "Insurance agent" or "agent" has the same meaning as in section 3905.01 of the Revised Code.

(I) "Insurer" has the same meaning as in section 3901.32 of the Revised Code.

(J) "Policy" or "certificate" means a contract of insurance, indemnity, medical, health or hospital service, suretyship, or annuity issued, proposed for issuance, or intended for issuance by any insurer.

Notes of Decisions

Cited in 7 cases, 1989–2014 · leading case: Akron v. Ohio Dept. of Ins., 2014 Ohio 96 (Ohio Ct. App. 2014).

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Akron v. Ohio Dept. of Ins., 2014 Ohio 96 (Ohio Ct. App. 2014). · cites it 10× “In the notice, ODI concluded that, as Akron, OP&F and MMO satisfied the definition of "person" in R.C. 3901.19, they were prohibited from engaging in unfair or deceptive acts or practices in the business of insurance.”

Indep. Ins. v. Fabe, 587 N.E.2d 814 (Ohio 1992). “…Ninth Appellate District, sitting for H. Brown, J. . An agent may be, inter alia, a natural person or a corporation. R.C. 3901.19(A).”

Diversified Benefit Plans Agency, Inc. v. Duryee, 655 N.E.2d 1353 (Ohio Ct. App. 1995). “20 states, “No person shall engage in this state in any trade practice which is defined in sections 3901.19 to 3901.23 of the Revised Code as, or determined pursuant to those sections to be, an unfair or deceptive act or practice in the business of insurance.”

Goshorn v. Hosp. Care Corp., 545 N.E.2d 930 (Ohio Ct. App. 1989). “II The second assignment of error presents the question whether the preexisting condition provision of the hospital care contract was drafted with purpose to mislead or deceive a subscriber, in violation of R.C. 3901.19 through 3901.21. We find that this question was not…”

State Ex Rel. Dental Care Plus, Inc. v. Sunderland, 735 N.E.2d 19 (Ohio Ct. App. 1999). · cites it 2× “for them are matters committed exclusively to the jurisdiction conferred on the Superintendent of Insurance pursuant to R.C. 3901.19 et seq. R.C. 3901.20 prohibits unfair or deceptive acts or practices in the business of insurance.”

Chibinda v. Depositors Ins., 2013 Ohio 526 (Ohio Ct. App. 2013). “THESE ACTS ARE ILLEGAL IN THE STATE OF OHIO PURSUANT TO O.R.C. 3901.19 AND 3901.20. {¶ 23} Assignment of Error No.”

Indep. Ins. Agents of Ohio, Inc. v. Fabe, 5 Ohio App. Unrep. 306 (Ohio Ct. App. 1990). “R.C. 3901.19. Defendants represent member corporations which have previously applied or intend to apply for agents' licenses R.”

Ohio Rev. Code § 3901.19(A): 2 cases

Indep. Ins. v. Fabe, 587 N.E.2d 814 (Ohio 1992). “…Ninth Appellate District, sitting for H. Brown, J. . An agent may be, inter alia, a natural person or a corporation. R.C. 3901.19(A).”

Akron v. Ohio Dept. of Ins., 2014 Ohio 96 (Ohio Ct. App. 2014). “In the notice, ODI concluded that, as Akron, OP&F and MMO satisfied the definition of "person" in R.C. 3901.19, they were prohibited from engaging in unfair or deceptive acts or practices in the business of insurance.”

Ohio Rev. Code § 3901.19(D): 1 case

Akron v. Ohio Dept. of Ins., 2014 Ohio 96 (Ohio Ct. App. 2014). “In the notice, ODI concluded that, as Akron, OP&F and MMO satisfied the definition of "person" in R.C. 3901.19, they were prohibited from engaging in unfair or deceptive acts or practices in the business of insurance.”

Ohio Rev. Code § 3901.19(I): 1 case

Akron v. Ohio Dept. of Ins., 2014 Ohio 96 (Ohio Ct. App. 2014). “In the notice, ODI concluded that, as Akron, OP&F and MMO satisfied the definition of "person" in R.C. 3901.19, they were prohibited from engaging in unfair or deceptive acts or practices in the business of insurance.”

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