Ohio insurance fraud training

The requirement

What Ohio requires

Ohio Revised Code 3999.41 requires every insurer writing direct insurance in Ohio to adopt an antifraud program and a written plan describing what it will do when fraud or suspected fraud comes to its attention, and naming the people responsible for the program. The plan must be in place within 90 days of licensure or starting business in Ohio and kept up to date.

R.C. 3999.42 requires insurers to notify the Department of Insurance when they reasonably believe someone is committing or facilitating insurance fraud, including fraud by the insurer's own officers, employees and agents. Notice is not required for claims under $1,000.

The statutes do not mention employee training, hours or frequency. Staff who cannot recognize fraud cannot report it, so most insurers train claims, underwriting and agency staff as part of their antifraud program.

• Adopt an antifraud program and written plan within 90 days
• Name the people responsible and keep the plan current
• Report reasonably suspected fraud to the Department of Insurance
• Training is not stated in the statute; it supports the program

Sources, checked October 2026

• Ohio Revised Code 3999.41, Insurer to adopt antifraud program
• Ohio Revised Code 3999.42, Insurer to notify department of insurance fraud

How NATG helps

Meet the Ohio mandate with one program

• Annual and new-hire anti-fraud courses in versions for each line of business and department
• Online, or instructor-led at your location
• Completion records, certificates and reports for your fraud plan and examiners
• One program for every state you write in, tracked in one place

NATG specializes in insurance fraud and investigations. Our compliance courses are built around the detection, referral and reporting duties in state fraud plans.