Ohio § 3965.04

§ 3965.04.

(A) Each licensee shall notify the superintendent of insurance as promptly as possible

after a determination that a cybersecurity event involving nonpublic information in

the possession of the licensee has occurred, but in no event later than three business

days after that determination, when either of the following criteria has been met: (1) Both of the following apply: (a) This state is the licensee's state of domicile, in the case of an insurer, or this

state is the licensee's home state, in the case of an independent insurance agent. (b) The cybersecurity event has a reasonable likelihood of materially harming a consumer

or a material part of the normal operations of the licensee. (2) The licensee reasonably believes that the nonpublic information involved relates

to two hundred fifty or more consumers residing in this state and the cybersecurity

event is either of the following: (a) A cybersecurity event impacting the licensee of which notice is required to be provided

to any government body, self-regulatory agency, or any other supervisory body pursuant

to any state or federal law; (b) A cybersecurity event that has a reasonable likelihood of materially harming either

of the following: (i) Any consumer residing in this state; (ii) Any material part of the normal operations of the licensee. (B)(1) In providing the notification described in division (A) of this section, the licensee

shall provide as much of the following information as possible: (a) The date of the cybersecurity event; (b) A description of how the information was exposed, lost, stolen, or breached, including

the specific roles and responsibilities of any third-party service providers; (c) How the cybersecurity event was discovered; (d) Whether any lost, stolen, or breached information has been recovered and if so, how

this was done; (e) The identity of the source of the cybersecurity event; (f) Whether the licensee has filed a police report or has notified any regulatory, government,

or law enforcement agencies and, if so, when such notification was provided; (g) A description of the specific types of information acquired without authorization.  “ Specific types of information ” means particular data elements, including types of medical information, types of

financial information, or types of information allowing identification of the consumer. (h) The period during which the information system was compromised by the cybersecurity

event; (i) The number of total consumers in this state affected by the cybersecurity event.  The licensee shall provide the best estimate in the initial report to the superintendent

and update this estimate with each subsequent report to the superintendent pursuant

to this section. (j) The results of any internal review identifying a lapse in either automated controls

or internal procedures, or confirming that all automated controls or internal procedures

were followed; (k) A description of efforts being undertaken to remediate the situation that permitted

the cybersecurity event to occur; (l) A copy of the licensee's privacy policy and a statement outlining the steps the licensee

will take to investigate and notify consumers affected by the cybersecurity event; (m) The name of a contact person who is both familiar with the cybersecurity event and

authorized to act for the licensee. (2) The licensee shall provide the information in electronic form as directed by the

superintendent.  The licensee shall have a continuing obligation to update and supplement initial

and subsequent notifications to the superintendent regarding material developments

relating to the cybersecurity event. (C) A licensee shall comply with section 1349.19 of the Revised Code as applicable and provide a copy of the notice sent to consumers under that section

to the superintendent, when the licensee is required to notify the superintendent

under division (A) of this section. (D)(1) If a licensee becomes aware of a cybersecurity event in a system maintained by a

third-party service provider, the licensee shall treat the event as it would under

division (A) of this section. (2) The computation of the licensee's deadlines specified in this section shall begin

on the day after the third-party service provider notifies the licensee of the cybersecurity

event or the licensee otherwise has actual knowledge of the cybersecurity event, whichever

is sooner. (3) Nothing in this chapter shall prevent or abrogate an agreement between a licensee

and another licensee, a third-party service provider, or any other party to fulfill

any of the investigation requirements imposed under section 3965.03 of the Revised Code or notice requirements imposed under this section. (E)(1) In the case of a cybersecurity event involving nonpublic information that is used

by or in the possession, custody, or control of a licensee that is acting as an assuming

insurer, including an assuming insurer that is domiciled in another state or jurisdiction,

and that does not have a direct contractual relationship with the affected consumers,

both of the following apply: (a) The assuming insurer shall notify its affected ceding insurers and the insurance

commissioner of its state or jurisdiction of domicile within three business days of

making the determination that a cybersecurity event has occurred. (b) The ceding insurers that have a direct contractual relationship with affected consumers

shall fulfill the consumer notification requirements imposed under section 1349.19 of the Revised Code and any other notification requirements relating to a cybersecurity event imposed

under this section. (2) In the case of a cybersecurity event involving nonpublic information that is in the

possession, custody, or control of a licensee's third-party service provider, when

the licensee is acting as an assuming insurer, including an assuming insurer that

is domiciled in another state or jurisdiction, both of the following apply: (a) The assuming insurer shall notify its affected ceding insurers and the insurance

commissioner of its state or jurisdiction of domicile within three business days of

receiving notice from its third-party service provider that a cybersecurity event

has occurred. (b) The ceding insurers that have a direct contractual relationship with affected consumers

shall fulfill the consumer notification requirements imposed under section 1349.19 of the Revised Code and any other notification requirements relating to a cybersecurity event imposed

under this section. (3) Any licensee acting as an assuming insurer shall have no other notice obligations

relating to a cybersecurity event or other data breach under division (A) of this

section. (F) In the case of a cybersecurity event involving nonpublic information that is in the

possession, custody, or control of a licensee that is an insurer or its third-party

service provider, that was obtained by the insurer from a consumer accessing the insurer's

services through an independent insurance agent, and for which disclosure or notice

is required under section 1349.19 of the Revised Code , the insurer shall notify the independent insurance agents of record of all affected

consumers. The insurer is excused from this obligation for any independent insurance agents who

are not authorized by law or contract to sell, solicit, or negotiate on behalf of

the insurer, and for those instances in which the insurer does not have the current

independent insurance agent of record information for an individual consumer.