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| Property and Casualty | |
| Property and Casualty is responsible
for the review of policy forms, endorsements, and manual rules
and rates for products marketed to Ohio consumers by Ohio licensed
property and casualty companies.
Products reviewed include commercial lines (e.g. insurance for businesses – auto, general liability, professional liability including medical malpractice, property, crime, fidelity and surety) and personal lines (e.g. insurance for individuals and families – auto and homeowners). The office also reviews title insurance, risk purchasing and risk retention group registrations, and notification forms and surplus lines quarterly reports. Rates, by law, cannot be excessive, inadequate, or unfairly
discriminatory and consumers must be able to understand the
policy language. Actuarial standards of practice are used to
determine whether rates are in compliance. |