State RegulationsOH specificDifficulty 2/5
A Columbus small employer asks its carrier why its premium differs from a similar employer down the street. Under ORC 3924.033, the carrier must provide:
Select an option to reveal the answer and the full 3-part explanation — free, no signup.
Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
ORC 3924.033 obligates the carrier to be transparent with the small employer about its rating practices and the factors that determine the premium. When an employer questions how its rate was set, the statutory response is an explanation grounded in the carrier's rating methodology — not another party's confidential file and not silence.
Why the other options are wrong
- B) Another employer's underwriting file is confidential third-party information that ORC 3924.033 does not require or permit to be shared.
- C) Rating-practice disclosure is a statutory duty under ORC 3924.033, not a voluntary gesture.
- D) A marketing brochure is promotional material, not the rating explanation ORC 3924.033 requires.
Memory hook
Why my premium? ORC 3924.033: the carrier explains the rating, nothing less.