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Ohio Insurance Services

Insurance, United States, Ohio, Columbus

Protecting what matters most with personalized insurance solutions and expert risk management services in Ohio.

About Ohio Insurance Services

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Basics

Type
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Founded
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Total Employees
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Employees on Linkedin
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Employees on OWCareers
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Main Office
United States of America, Ohio state
Official Website
http://www.oh-ins.com
Location Address Official Phone Email
United States of America, Ohio state 123 Main Street, Columbus, Ohio, United States **** ****
LinkedIn https://linkedin.com/company/**** Get In Touch With Decision Makers
Facebook https://facebook.com/**** Get In Touch With Decision Makers
Instagram https://instagram.com/**** Get In Touch With Decision Makers
X (Twitter) https://x.com/**** Get In Touch With Decision Makers
YouTube https://youtube.com/**** Get In Touch With Decision Makers

FAQs – Ohio Insurance Services

Are claims handled differently with E&S insurance?

Claims for E&S insurance policies are handled similarly to standard insurance, but they are managed directly by the non-admitted insurer. Since these policies are not regulated in the same way as admitted policies, claims processing terms and timelines may vary by insurer.


Can I opt out of a UBI program after enrolling?

Yes, most insurers allow policyholders to opt out, but any discounts earned may be removed, and the policy could revert to a standard premium rate.


How does underwriting differ for life and health insurance?

Life insurance underwriting focuses on age, health, and medical history, while health underwriting also considers pre-existing conditions and lifestyle habits.


Can my LTD benefits be denied or terminated?

Yes, benefits can be denied or terminated if the insurer believes you do not meet the policy’s definition of disability, fail to provide medical proof, or if surveillance suggests you are not disabled. An appeal process is available for denied claims.


What is underwriting in insurance?

Underwriting is the process insurers use to assess the risk of insuring an individual or entity and to determine the premium rates for coverage. It involves evaluating factors like health, property, and financial history.


What is a per-occurrence limit in liability insurance?

A per-occurrence limit is the maximum amount an insurer will pay for a single claim or incident covered by the policy.


What is microinsurance, and why is it important?

Microinsurance provides affordable coverage to low-income populations for health, agriculture, and life insurance. It helps underserved communities access financial protection, especially in developing countries where traditional insurance may be inaccessible.


What is international insurance law?

International insurance law refers to the set of legal principles, regulations, and treaties that govern insurance practices across different countries, ensuring fair trade and consumer protection.


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