Ohio Code § 3937.27

§ 3937.27.

(A) An insurer who intends to condition renewal of a policy of commercial property insurance,

commercial fire insurance, or commercial casualty insurance other than fidelity and

surety bonds, medical malpractice insurance, and automobile insurance as defined in section 3937.30 of the Revised Code , upon a substantial increase in premium shall mail a notice of such intention to

the agent of record and to the insured, at the insured's last known address, at least

thirty days prior to the expiration date of the policy. (B) If the notice is mailed less than thirty days before the expiration date of the policy,

the insured's coverage then in effect remains in effect until thirty days after the

date of mailing the notice.  The insurer shall notify the insured of the amount of the premium for the time after

the expiration date that the existing coverage may remain in effect, and the insured

shall pay such premium unless the insured notifies the insurer in writing that the

insured does not want the coverage then in effect to be extended past the expiration

date.  The premium must be calculated using the rates originally applicable to the insured's

coverage then in effect. If the insured accepts the increased premium, such change is effective immediately

following the expiration of the insured's coverage then in effect.