Who We Are

Cincinnati Financial, formed in 1968, stands among the nation’s top 25 property casualty insurer groups, based on net written premiums. It operates through The Cincinnati Insurance Company and three financial services subsidiaries.

Cincinnati Insurance leads our insurance group, consisting of its own four subsidiaries:

• Our standard market property casualty insurance group markets a broad range of business and personal policies in 34 states, retaining a strong customer focus on our select group of more than 1,000 agencies. The Cincinnati Casualty Company and The Cincinnati Indemnity Company round out this highly-rated group.
• The Cincinnati Life Insurance Company subsidiary markets life and disability income insurance and annuities.
• The Cincinnati Specialty Underwriters Insurance Company began offering excess and surplus lines insurance products in 2008.

Cincinnati Financial's three financial services subsidiaries offer services that complement our insurance operations:

• CFC Investment Company offers leasing and financing services.
• CinFin Capital Management Company provides asset management services to institutions, corporations and nonprofit organizations.
• CSU Producer Resources Inc, our new wholly owned excess and surplus lines brokerage, serves the same local independent agencies that offer our standard market policies.

How We Build Value
Our core strength and most important competitive advantage is our commitment to the independent agency system. Our mission places independent agents at the center of our identity, recognizing that locally based agents have the relationships that lead to satisfied, loyal policyholders and profitable business. This approach has produced above average profitability and growth of shareholder dividends, benefiting from our low expense field structure. Empowered field representatives work out of their homes in the same communities as the agents and policyholders they serve. The company's five-year combined loss and expense ratio through 2007 was 91.4 percent, outperforming the estimated industry average of 98.1 percent.

The Cincinnati Insurance Companies continuously strengthen service by offering agents and policyholders a stronger local presence, unparalleled claim service, work-saving technology initiatives and competitive products, rates and compensation.