Excess and Surplus

The Cincinnati Insurance Company offers our local, independent agents market access to excess and surplus lines products through its nonadmitted and wholly owned subsidiary, The Cincinnati Specialty Underwriters Insurance Company (“CSU”). CSU carries an AM Best rating of A+ (Superior) and won the Stakeholder Team Accomplishment Recognition™ award from financial analysis firm Demotech Inc. in 2014 and 2015. A Delaware domiciled carrier, CSU operates in the same footprint as Cincinnati Insurance, covering 39 active states and is an approved nonadmitted carrier in all 50 states and Washington, D.C.

Cincinnati agents access CSU through our in-house E&S brokerage – CSU Producer Resources Inc. (“C-SUPR”). C-SUPR is a wholly owned subsidiary of Cincinnati Financial Corporation.

Mix of Business:

Approximately 85 percent of our written premium is in the casualty lines of commercial general liability, excess liability and professional errors and omissions liability. Our underwriters specialize in providing customized coverage solutions for unique E&S risks along with quick policy processing and effective service.

Our Business Appetite:

CSU writes a wide range of E&S exposures and tough to place products. While our appetite is broad, we evaluate each risk on its individual merits. Operations or risks we insure include:

General Liability and Excess Liability:  Property:
Roofing contractors  Apartments
Millwrights  Motels/hotels
Landscapers  Manufacturing
Discontinued products  Lessor's risk
Machinery manufacturers and machine shops
 Vacant buildings
Nutraceuticals  Rental properties
Drones
 Restaurants
Bars/taverns with or without liquor liability
 
Habitational  
Lessor's risk
 
Mercantile
 


Professional/Errors and Omissions:
Special Events - over 100 events, including:
 Accountants  Conferences/seminars
 Lawyers  Music concerts
 Allied health
 Festivals
 Media  Walk and 5K runs
 Construction  Motorcycle rallies
 Real estate agents
 Holiday parades
 Consultants  Wedding receptions
 Miscellaneous  

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