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Ohio

Telecom Compliance Reference — Updated January 2023

Mini-TCPA State — High Risk

Calling Hours

8:00 AM–9:00 PM

Min Penalty

$25,000

Registration

Required

Overview Calling Hours Consent Registration DNC Enforcement Case Law Legislation

Insurance Telemarketing Compliance in Ohio

Insurance agency telemarketing and lead generation compliance in Ohio

Guide last reviewed: January 2025

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Mini-TCPA State — ORC § 4719 (Telephone Solicitors)

Ohio imposes stricter consent and calling requirements than federal TCPA.Insurance companies operating here face $25,000 per-violation penalties.

Ohio Insurance Overview

Insurance telemarketing in Ohio requires TSSA registration for cold calling new prospects. The $25,000 bond and $25,000 per-call DNC penalty make Ohio more demanding than average. Licensed producers have a clear EBR exemption for existing policyholders. The Sunday noon start and 2-second abandonment rules are operational details that trip up compliance teams.

Penalty/Violation

$25,000

Willful

$25,000

Calling Hours

8:00 AM–9:00 PM

Private Suit

Allowed

Compliance Checklist

✓Maintain active Ohio insurance producer license,Register with Ohio AG ($200/year + $25,000 bond) if cold calling new prospects,EBR exemption for existing policyholders — may avoid registration for service calls,Scrub against Ohio No-Call list and federal DNC list,Calling hours: 9:00 AM – 9:00 PM Mon-Sat; NOON – 9:00 PM Sunday,Identify yourself, your agency, and the carrier at start of each call,Agent available within 2 seconds of answer,Obtain prior express written consent before automated outreach,Written confirmation of any policy sale within 3 business days,3-day right of rescission for phone-solicited policies,Do not misrepresent policy terms, coverage, or pricing,One-to-one consent for SMS marketing under FCC 2025 rule

What Gets Companies Sued

✗Top violations for insurance in Ohio: (1) Not registering with AG for cold calling; (2) Calling No-Call list numbers; (3) Calling before noon on Sunday; (4) Call abandonment; (5) Misrepresenting policy terms; (6) Not providing 3-day rescission right.

Special Exemptions

Licensed insurance producers calling existing policyholders have EBR exemption and may be exempt from TSSA registration for service/renewal calls. Cold calling new prospects requires full AG registration and bond.

Key State Rules

Mini-TCPAYes

RegistrationRequired

Class ActionsAllowed

Consent Requirements→Registration Details→DNC List→

Insurance Enforcement in Ohio

John Spiller II / Jakob Mears / Rising Eagle Capital Group

$244,658,640

Mar 2023

robocall violationsdnc violationsprerecorded without consenttelemarketing fraud

Combined $244.66M monetary judgment against Spiller and Mears for health insurance robocall scheme. Permanent telemarketing ban. When Spiller violated the ban using aliases (Every1 Telecom, ATX Telco), faced contempt charges and ultimately $600K penalty + lifetime telecom industry ban. Ohio led the multistate coalition (with AR, IN, MI, NC, ND, TX). Message: court-ordered bans are enforced, and attempting to circumvent them triggers criminal contempt.

All enforcement actions in Ohio →

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Catalyst Partners specializes in telecom compliance for Insurance companies operating in Ohio and across the country. We build the systems, you make the calls.

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This is a compliance reference tool, not legal advice. Data compiled from public statutes, LegiScan, CourtListener, state AG offices, and AI-assisted analysis. Verify all information with qualified counsel before relying on it. Full terms & data sources →