A.M. Best, an independent provider of insurer ratings since 1899, awards its A+ (Superior) financial strength rating to Cincinnati's standard market property casualty group. A.M. Best awards only about 10 percent of property casualty insurer groups with its A+ or A++ rating in the Superior category. Best assigns its A (Excellent) rating to The Cincinnati Life Company and to The Cincinnati Specialty Underwriters Insurance Company,  our excess and surplus lines company. A.M. Best comments on the standard property casualty group’s rating: "The rating reflects CIC’s superior risk adjusted capitalization, strong five-year average performance, historically redundant reserves and successful distribution within its targeted regional markets centered on harnessing strong relationships with local independent insurance agencies."

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FitchRatings cites Cincinnati's strong capitalization, rebalanced investment portfolio and low operating leverage to meet our policyholder and debt servicing obligations in awarding its A+ (Strong) insurer financial strength rating to the standard market property casualty and life insurance companies. Fitch has a stable outlook.

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Moody's Investors Service A1 rating of the standard market property casualty group is "based on strong risk-adjusted capitalization, reflecting consistent reserve strength and manageable peak-level catastrophe exposure, and the group's strong regional franchise emphasizing a relationship-oriented strategy with agents." Moody's outlook on the rating is stable.

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Standard & Poor’s Rating Services cites characteristics supporting Cincinnati's A (Strong) rating, including "the group's very strong capitalization and strong competitive position, which is supported by a very loyal and productive independent agency force and a low-cost infrastructure." S&P's outlook is stable.

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