Ohio Revised Code

Ohio Rev. Code § 3901.20 (2026)

Prohibition against unfair or deceptive acts

✓ laws through the 2026 session (checked July 2026)
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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.

This section applies to any person, as defined in section 3901.19 of the Revised Code, regardless of whether the person is licensed or required to be licensed by the superintendent of insurance.

Notes of Decisions
Cited in 7 cases, 1990–2017 · leading case: Diversified Benefit Plans Agency, Inc. v. Duryee, 655 N.E.2d 1353 (Ohio Ct. App. 9th Dist. 1995).
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Diversified Benefit Plans Agency, Inc. v. Duryee, 655 N.E.2d 1353 (Ohio Ct. App. 9th Dist. 1995). · cites it 6× “” The examiner recommended that the Superintendent issue an order revoking all insurance licenses held by Patton in the state of Ohio, ordering both Patton and Diversified to cease and desist from violating R.C. 3901.20, and ordering that they return to the county all'payments…”
Akron v. Ohio Dept. of Ins., 2014-Ohio-96, 9 N.E.3d 371. · cites it 6× “The hearing officer concluded that Akron's "self-insured insurance fund provided for its police and fire retirees" was "insurance provided within the State of Ohio and [was] subject to the insurance laws of this state pursuant to" R.C. 3901.20. (Hearing Officer's Record, 18;…”
Ayers v. City of Cleveland, 2017-Ohio-8571, 99 N.E.3d 1269. · cites it 2× “2d 1005 , the appellate court determined that “R.C. 3901.20 and 3901.21, and Ohio Adm. Code 3901-1-07, proscribing unfair trade practices in the insurance industry, do not create an implied private cause of action in favor of insureds.”
DeMatteis v. Am. Cmty. Mut. Ins., 616 N.E.2d 1208 (Ohio Ct. App. 10th Dist. 1992). “Appellant alleges that appellee’s agent violated R.C. 3901.20, which prohibits unfair and deceptive practices within the insurance business.”
State Ex Rel. Dental Care Plus, Inc. v. Sunderland, 735 N.E.2d 19 (Ohio Ct. App. 2d Dist. 1999). · cites it 3× “R.C. 3901.20 prohibits unfair or deceptive acts or practices in the business of insurance.”
Griffin Sys., Inc. v. Ohio Dep't of Ins., 575 N.E.2d 803 (Ohio 1991). “Thereafter, the Superintendent of Insurance ordered Griffin to “cease and desist from violating R.C. 3901.20 by advertising, soliciting, selling or underwriting the Vehicle Protection Plan without authorization from the Department of Insurance; from placing before the public…”
Griffin Sys., Inc. v. Ohio Dep't of Ins., 4 Ohio App. Unrep. 408 (Ohio Ct. App. 10th Dist. 1990). “42, and that the sale and solicitation of the VPP constituted unfair, deceptive and misleading acts in violation of R.C. 3901.20 and 3901.21. In adopting the hearing officer'sreport and recommendation, ODI issued a cease and desist order to Griffin, pursuant to R.”
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