Ohio Rev. Code » Chapter 3935
Ohio Revised Code

Ohio Rev. Code § 3935.03 (2026)

Rating regulations

✓ current as of May 2026
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Effective:
October 1, 1953
Latest Legislation:
House Bill 1 - 100th General Assembly
PDF:
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Rates shall be made as follows:

(A) Manual, minimum class rates, rating schedules, or rating plans shall be made and adopted, except in the case of specific inland marine rates on risks specially rated.

(B) Rates shall not be excessive, inadequate, or unfairly discriminatory.

(C) Consideration shall be given to:

(1) Past and prospective loss experience within and outside this state;

(2) Conflagration and catastrophe hazards;

(3) A reasonable margin for underwriting profit and contingencies;

(4) Dividends, savings, or unabsorbed premium deposits allowed or returned by insurers to their policyholders, members, or subscribers;

(5) Past and prospective expenses both countrywide and those specially applicable to this state;

(6) All other relevant factors within and outside this state;

(7) In the case of fire insurance rates, the experience of the fire insurance business during a period of not less than the most recent five year period for which such experience is available.

Except to the extent necessary to comply with division (B) of this section, uniformity among insurers in any matters within the scope of this section is neither required nor prohibited.

Rates made in accordance with this section may be used subject to sections 3935.01 to 3935.17, inclusive, of the Revised Code.
Notes of Decisions
Cited in 1 case, 2010–2010 · leading case: In Re Title Ins. Antitrust Cases, 702 F. Supp. 2d 840 (N.D. Ohio 2010).
Sort: Relevance Newest Treatment
In Re Title Ins. Antitrust Cases, 702 F. Supp. 2d 840 (N.D. Ohio 2010). · cites it 7× “36 at ¶4 (citing O.R.C. §§ 3935.03 & .04). In contrast to the 15-day waiting period in Blaylock , in Ohio, title insurance rates do not become effective until 30 days after filing.”
Ohio Rev. Code § 3935.03(B): 1 case
In Re Title Ins. Antitrust Cases, 702 F. Supp. 2d 840 (N.D. Ohio 2010). “36 at ¶4 (citing O.R.C. §§ 3935.03 & .04). In contrast to the 15-day waiting period in Blaylock , in Ohio, title insurance rates do not become effective until 30 days after filing.”
Ohio Rev. Code § 3935.03(C)(5): 1 case
In Re Title Ins. Antitrust Cases, 702 F. Supp. 2d 840 (N.D. Ohio 2010). “36 at ¶4 (citing O.R.C. §§ 3935.03 & .04). In contrast to the 15-day waiting period in Blaylock , in Ohio, title insurance rates do not become effective until 30 days after filing.”
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