The Cincinnati Insurance Companies actively market a broad range of property
casualty insurance products in 43 states and the District of Columbia.
Approximately 3,000 associates at our headquarters building in Fairfield, Ohio — just north of Cincinnati — support more than 1,300 associates in field locations. Together, we serve a select group of approximately 1,600 independent insurance agencies who market our business, home and auto policies.
We seek to be a consistent, predictable and reasonable property casualty
carrier that agents can rely on to serve the businesses and people in their
communities. On a case-by-case basis, they work with our underwriters to select
risks we can cover on acceptable terms and at adequate prices, rather than
underwriting solely by geographic location or business class. This flexibility
contributes to market stability for our agents and policyholders.
We pursue a selective market strategy that allows us to seek healthy
regulatory environments and control our exposure in areas we consider prone to
catastrophe losses. Earthquake, hurricane and tornado exposures are carefully
considered before entering a new territory or appointing additional agencies.
This helps keep premiums down.
In order to diversify our risk while supporting our core property casualty business, we operate a reinsurance assumed business, known as Cincinnati ReSM, as a division of The Cincinnati Insurance Company. We are building Cincinnati Re slowly over time, focusing on opportunities that will strengthen our company over the long term.
The Cincinnati Life Insurance Company actively markets life and disability
income insurance and annuities in additional
states through independent life agencies.
Not all subsidiary companies of Cincinnati Financial Corporation are
licensed in all 50 states, the District of Columbia and Puerto Rico. Click here
for specific licensing