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. Only approximately the top 11 percent of property casualty insurer groups receive A.M. Best’s A+ or A++ rating in this 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 group’s rating: “The stable outlook on all the ratings reflects the enhanced risk management processes, sound liquidity, superior risk-adjusted capitalization of its operating entities and successful business profile within its targeted regional markets, which centers on a distribution system developed through strong relationships with local independent insurance agencies."

Please click the A.M. Best icon to the right to see their most recent ratings commentary.

Fitch Ratings cites the competitive advantage that Cincinnati's property casualty companies derive from emphasis on long-term relationships with select independent agents, low expense structure and excellent claims service in awarding its AA- (Very Strong) rating. The Cincinnati Life Insurance Company also earns the AA- rating for a very strong capital position and good earnings and liquidity. Fitch has a negative outlook.

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.

Standard & Poor’s Rating Services cites Cincinnati’s rating characteristics supporting its A+ (Strong) rating as an “extremely strong and loyal agency force, strong competitive position, improved technological efficiencies, and improved and adequate enterprise risk management.” S&P has a negative outlook.

Ward lists Cincinnati among the top 50 companies in America for balancing performance with policyholder safety. Click on the logo at right for more information.