P&COhiomedium
An Ohio-licensed P&C producer begins soliciting policies for an admitted insurer. Under R.C. 3905.20, the insurer's obligation to file an appointment with ODI is generally triggered:
Within 15 days after the date the agency contract is executed or the first application is submitted, whichever is earlier
BOnly after the producer has bound a policy on the insurer's behalf
CAnnually on the producer's birth-month renewal date
DOnly if the producer earns more than $5,000 in commissions during the calendar year, a monetary threshold not found in R.C. 3905.20
Why this is the answer
R.C. 3905.20 obligates the insurer — not the producer — to notify ODI of the appointment relationship. The filing must occur within 15 days of the earlier of the agency contract execution or the producer's submission of the first insurance application on the insurer's behalf. The insurer pays the appointment fee and reports terminations under the same statute. The other options describe non-Ohio timing rules, invented thresholds, or conflate appointment with license renewal.
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