---
title: "Representations and Warranties Insurance in Ohio"
description: "Check Ohio contract claim deadlines against negotiated representation survival, policy notice dates, and any home-state surplus-lines tax."
canonical: "https://spot.insure/coverage/representations-warranties/ohio"
page-type: "coverage-state-guide"
updated-at: "2026-09-29"
---

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# Representations and Warranties Insurance in Ohio

Ohio generally allows 6 years under Ohio Rev. Code § 2305.06 for actions on specialties or written agreements, contracts, or promises, subject to enumerated exceptions, subject to claim-specific exceptions and accrual rules. Ohio’s current written-contract period is six years under §2305.06, effective September 23, 2026. That statutory filing period does not set the survival date negotiated for each representation or the insurer’s reporting window; if Ohio is the insured’s home state, the surplus-lines tax rate is 5%.[^1][^2][^3]

**Coverage:** [Representations and warranties](/coverage/representations-warranties) · [Ohio](/coverage/states/ohio)

## What Is Representations And Warranties?

Representations and warranties insurance can cover a buyer’s or seller’s loss from inaccurate statements in a stock or asset purchase agreement. For a business sale, check who is insured, who can recover and how known issues are treated. [Read the national Representations and warranties guide](/coverage/representations-warranties).

## What to Watch for in Ohio

### Separate The Statute From The Survival Schedule

Ohio Rev. Code § 2305.06 provides 6 years for actions on specialties or written agreements, contracts, or promises, subject to enumerated exceptions. Ask deal counsel to list a separate survival end date for each representation, then compare those dates with the insurer’s claim-reporting deadline.[^1]

### Confirm When A Contract Claim Accrues

Ohio measures the cited contract period from accrual; Ohio Rev. Code § 2305.06 covers actions on specialties or written agreements, contracts, or promises, subject to enumerated exceptions. For an R&W placement, ask counsel to identify the alleged breach date and put it beside the purchase-agreement survival date and policy notice deadline.[^1]

### Show Home-State Tax In The Closing Costs

Federal law assigns nonadmitted premium-tax authority to the insured’s home state. If Ohio is the home state for your R&W policy, 5% of gross premium, net of return premiums applies under Ohio Revised Code §3905.36. Ask the broker to state the tax base and any separate stamping or filing charge in the closing funds flow.[^3][^2]

## Who Regulates Insurance in Ohio

**Ohio Department of Insurance.** ODI licenses insurance agents and agencies and provides a public agent and company locator. Its consumer complaint form accepts insurance complaints and lets you identify an agent or company.[^4][^5][^6]

- [Regulator website](https://insurance.ohio.gov/)
- [License lookup](https://gateway.insurance.ohio.gov/UI/ODI.Agent.Public.UI/AgentSearch.mvc/DisplaySearch)
- [File a complaint](https://gateway.insurance.ohio.gov/UI/ODI.CS.Public.UI/Complaint.mvc/DisplayConsumerComplaintForm)

### Surplus-Lines Tax and Stamping Office

**Reported tax rate:** 5% of gross premium, net of return premiums For Ohio-home-state surplus-lines placements, Ohio sets a 5% tax on gross premiums after returned premiums and requires the surplus-lines broker to collect it when the policy is delivered. A diligent search usually applies; a qualifying exempt commercial purchaser may request nonadmitted placement in writing after disclosure that authorized-market coverage may offer greater protection, and the policy requires a signed notice of no Ohio guaranty-association benefits.[^7][^8][^9]

## Providers With Documented State Licenses

These providers publish a national listing for Representations and warranties; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm that the product is available in Ohio; [check the regulator’s license lookup](https://gateway.insurance.ohio.gov/UI/ODI.Agent.Public.UI/AgentSearch.mvc/DisplaySearch) and confirm state availability for your business when requesting a quote.

- [Corgi](/insurance-providers/corgi) — **Entity:** Corgi Insurance Services, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability.[^12]

## Questions to Ask Before You Buy in Ohio

1. Which Ohio limitation period and accrual rule apply to each seller representation, and does the governing-law clause point to a different state?
2. Can you put each negotiated representation survival date, the escrow release date, and the policy reporting deadline on one closing calendar?
3. If the policy is placed on a surplus-lines basis, is Ohio the insured’s home state, what tax base applies, and who remits the tax?
4. Which state bulk-sale notice, tax-clearance, or successor-liability issues should the deal team evaluate for this asset or stock purchase?

## Representations And Warranties in Ohio: FAQ

### How long is the written-contract limitation period in Ohio?

6 years under Ohio Rev. Code § 2305.06 for actions on specialties or written agreements, contracts, or promises, subject to enumerated exceptions. Accrual, claim classification, and statutory exceptions can change which period applies.[^1]

### Does Ohio’s contract limitation period set the R&W survival period?

No. Ohio Rev. Code § 2305.06 sets a court-filing limit for actions on specialties or written agreements, contracts, or promises, subject to enumerated exceptions; it does not set the negotiated survival end date for a representation or the separate deadline to notify the insurer.[^1]

### What surplus-lines tax applies to an R&W policy in Ohio?

5% of gross premium, net of return premiums when Ohio is the insured’s home state, under Ohio Revised Code §3905.36. Federal law assigns the premium-tax obligation to the home state; ask the broker to show the home-state and tax calculation on the closing statement.[^2][^3]

## Representations And Warranties in Other States

- [Alabama](/coverage/representations-warranties/alabama)
- [Alaska](/coverage/representations-warranties/alaska)
- [Arizona](/coverage/representations-warranties/arizona)
- [Arkansas](/coverage/representations-warranties/arkansas)
- [California](/coverage/representations-warranties/california)
- [Colorado](/coverage/representations-warranties/colorado)
- [Connecticut](/coverage/representations-warranties/connecticut)
- [Delaware](/coverage/representations-warranties/delaware)
- [District of Columbia](/coverage/representations-warranties/district-of-columbia)
- [Florida](/coverage/representations-warranties/florida)
- [Georgia](/coverage/representations-warranties/georgia)
- [Hawaii](/coverage/representations-warranties/hawaii)
- [Idaho](/coverage/representations-warranties/idaho)
- [Illinois](/coverage/representations-warranties/illinois)
- [Indiana](/coverage/representations-warranties/indiana)
- [Iowa](/coverage/representations-warranties/iowa)
- [Kansas](/coverage/representations-warranties/kansas)
- [Kentucky](/coverage/representations-warranties/kentucky)
- [Louisiana](/coverage/representations-warranties/louisiana)
- [Maine](/coverage/representations-warranties/maine)
- [Maryland](/coverage/representations-warranties/maryland)
- [Massachusetts](/coverage/representations-warranties/massachusetts)
- [Michigan](/coverage/representations-warranties/michigan)
- [Minnesota](/coverage/representations-warranties/minnesota)
- [Mississippi](/coverage/representations-warranties/mississippi)
- [Missouri](/coverage/representations-warranties/missouri)
- [Montana](/coverage/representations-warranties/montana)
- [Nebraska](/coverage/representations-warranties/nebraska)
- [Nevada](/coverage/representations-warranties/nevada)
- [New Hampshire](/coverage/representations-warranties/new-hampshire)
- [New Jersey](/coverage/representations-warranties/new-jersey)
- [New Mexico](/coverage/representations-warranties/new-mexico)
- [New York](/coverage/representations-warranties/new-york)
- [North Carolina](/coverage/representations-warranties/north-carolina)
- [North Dakota](/coverage/representations-warranties/north-dakota)
- [Oklahoma](/coverage/representations-warranties/oklahoma)
- [Oregon](/coverage/representations-warranties/oregon)
- [Pennsylvania](/coverage/representations-warranties/pennsylvania)
- [Rhode Island](/coverage/representations-warranties/rhode-island)
- [South Carolina](/coverage/representations-warranties/south-carolina)
- [South Dakota](/coverage/representations-warranties/south-dakota)
- [Tennessee](/coverage/representations-warranties/tennessee)
- [Texas](/coverage/representations-warranties/texas)
- [Utah](/coverage/representations-warranties/utah)
- [Vermont](/coverage/representations-warranties/vermont)
- [Virginia](/coverage/representations-warranties/virginia)
- [Washington](/coverage/representations-warranties/washington)
- [West Virginia](/coverage/representations-warranties/west-virginia)
- [Wisconsin](/coverage/representations-warranties/wisconsin)
- [Wyoming](/coverage/representations-warranties/wyoming)

[Other Coverage in Ohio](/coverage/states/ohio)

## Sources

[^1]: [Ohio Rev. Code § 2305.06](https://codes.ohio.gov/ohio-revised-code/chapter-2305) — Ohio General Assembly; Ohio Rev. Code §2305.06, effective September 23, 2026; 6 years period for actions on specialties or written agreements, contracts, or promises, subject to enumerated exceptions. Accessed 2026-09-29.
[^2]: [Ohio Revised Code §3905.36](https://codes.ohio.gov/ohio-revised-code/section-3905.36) — Ohio Laws; Division (B): 5% of gross premiums after return premiums; surplus-lines broker collects from insured at policy delivery.. Accessed 2026-09-28.
[^3]: [15 U.S.C. § 8201: Nonadmitted insurance premium tax](https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A8201+edition%3Aprelim%29) — U.S. House of Representatives, Office of the Law Revision Counsel; §8201(a): only the insured’s home state may require payment of premium tax for nonadmitted insurance. Accessed 2026-09-29.
[^4]: [ohio insurance regulator](https://insurance.ohio.gov/) — State insurance regulator; Official regulator home page and consumer/industry navigation.. Accessed 2026-09-28.
[^5]: [Ohio Department of Insurance Agent / Agency Locator](https://gateway.insurance.ohio.gov/UI/ODI.Agent.Public.UI/AgentSearch.mvc/DisplaySearch) — State insurance regulator; Public search fields for agent and agency name, NPN, license number, city, ZIP, residency, and license type.. Accessed 2026-09-28.
[^6]: [Ohio Department of Insurance Consumer Complaints Form](https://gateway.insurance.ohio.gov/UI/ODI.CS.Public.UI/Complaint.mvc/DisplayConsumerComplaintForm) — State insurance regulator; Online complaint form collects insurer, coverage, agent, issue, and supporting documents; page warns submissions may be public records.. Accessed 2026-09-28.
[^7]: [Ohio Revised Code §3905.36](https://codes.ohio.gov/ohio-revised-code/section-3905.36) — Ohio Laws; Division (B): 5% of gross premiums after return premiums; surplus-lines broker collects from insured at policy delivery.. Accessed 2026-09-28.
[^8]: [Ohio Revised Code §3905.38](https://codes.ohio.gov/ohio-revised-code/section-3905.38) — Ohio Laws; Division A: Chapter 3905 rules do not apply when Ohio is not insured's home state.. Accessed 2026-09-28.
[^9]: [Ohio Revised Code §3905.33](https://codes.ohio.gov/ohio-revised-code/section-3905.33) — Ohio Laws; Divisions (B)(1), (B)(4): five-market diligence and ECP disclosure/written request; division (C): signed notice of no Ohio Insurance Guaranty Association benefits.. Accessed 2026-09-28.
[^10]: [Licenses](https://www.at-bay.com/licenses/) — At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
[^11]: [Licenses and Carriers](https://www.coalitioninc.com/legal/licenses) — Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535.. Accessed 2026-09-22.
[^12]: [Insurance Producer Licenses](https://www.corgi.insure/broker-licenses) — Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown.. Accessed 2026-09-28.
[^13]: [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-insurance) — Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
[^14]: [Licenses](https://www.nextinsurance.com/insurance-licenses/) — ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885.. Accessed 2026-09-28.
[^15]: [About Risklytics](https://www.risklytics.ai/about/) — Risklytics; What we do; Who we insure; Licensing; Agency licenses table dated 2026-09-10. Accessed 2026-09-16.
[^16]: [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses) — TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number.. Accessed 2026-09-28.
[^17]: [Licenses](https://www.vouch.us/legal/licenses) — Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict.. Accessed 2026-09-15.

Updated 2026-09-29.

This guide is informational and does not determine whether a policy is available or meets your needs. [Editorial policy](/editorial-policy). To suggest a correction, [contact Spot](/contact) with a supporting source.

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