State RegulationsOH specificDifficulty 3/5
A Columbus resident solicits and negotiates an accident and health policy for compensation without ever obtaining the required Ohio license. How does Ohio law classify this conduct?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
ORC 3905.02 makes it unlawful to sell, solicit, or negotiate insurance without the required license, and ORC 3905.99(D) classifies the violation as a misdemeanor of the first degree. The criminal classification means unlicensed selling is not merely an administrative slip: it exposes the individual to criminal penalties and, separately, to superintendent discipline.
Why the other options are wrong
- A) A countersignature does not cure unlicensed activity; the unlicensed person's own solicitation is the violation.
- C) The statute classifies the offense as a first-degree misdemeanor, not a felony.
- D) The conduct is a criminal misdemeanor under ORC 3905.99(D); it is not handled solely through a civil warning letter.
Memory hook
No license, no sale — selling bare is a first-degree misdemeanor.