Who We Are

Cincinnati Financial, formed in 1968, stands among the nation’s top 25 property casualty insurer groups, based on 2010 net written premiums. It operates through The Cincinnati Insurance Company, which itself has four insurance subsidiaries, and through two financial services subsidiaries.

How We Build Value
Four independent agents formed The Cincinnati Insurance Company in 1950; their commitment to the independent agency system became our core strength and continues as our most important competitive advantage. 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 2010 averaged 98.2 percent, outperforming the estimated industry average of 99.5 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.