Where We Do Business

The Cincinnati Insurance Companies actively market a broad range of property casualty insurance products in 41 states.

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 1,460 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 information.