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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 carries an AM Best rating of A+ (Superior). A Delaware domiciled carrier, CSU operates in the same footprint as Cincinnati Insurance, covering 45 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 is a wholly owned subsidiary of Cincinnati Financial Corporation. C-SUPR places E&S risks with CSU and other highly rated specialty carriers:

  • CSU writes a wide range of E&S exposures and tough-to-place products. Its six major lines of commercial business are: general liability; excess liability; property; professional/errors and omissions liability; cyber liability; and inland marine.
  • C-SUPR offers Wind Hail Deductible Buyback, commercial property and event cancellation coverage through Lloyd’s of London with the experience and support of Cincinnati Global Underwriting Ltd.

Our Business Appetite

Approximately 85% 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.

While our appetite is broad, we evaluate each risk on its individual merits. Operations or risks CSU insures 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
 Bars/taverns with or without liquor liability
 Lessor's risk


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


 Inland Marine:   Cyber Liability:
 Bailees coverage  First-party coverage*
 Contractor's equipment  Third-party coverage*
 General floater  Combo first- and third-party coverage*
 Installation floater  
 Jewelry and fur dealers  
 Miscellaneous floater  
 Warehouse legal liability                                                                                                                                             *for most eligible general liability and property classes of business                                                                                                                   


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