PLOhiomedium
An Ohio personal lines client needs a coastal-style high-value homeowners policy that admitted carriers refuse to write. Which license is required for the producer to place the risk with a non-admitted insurer?
A surplus lines broker license issued under R.C. 3905.30+
BA Property qualification on the standard P&C producer license alone
CA public adjuster license under R.C. 3951
DA Variable Contracts qualification
Why this is the answer
Under R.C. 3905.30 et seq., only an Ohio-licensed surplus lines broker may procure insurance from a non-admitted (unauthorized) insurer for an Ohio risk. The standard P&C producer license alone does not authorize placement with non-admitted carriers. A surplus lines licensee must document the admitted market diligent-search effort, collect and remit the surplus lines tax, and report transactions to ODI.
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