Our company protects its shareholders, policyholders and others by investigating allegations of fraud. We identify people who attempt to defraud us and report them to the proper authorities.
Ways to Report Fraud
Report insurance-related fraud to us by completing this form. Refer to the chart below to report other types of fraud to the appropriate authorities:
If you are unsure on where to report fraud, contact the National Insurance Crime Bureau by calling 800-TEL-NICB or texting the keyword FRAUD to 847411.
Fraud Hurts Everyone
Fraud is wrongful or criminal deception intended to benefit the person committing the act. Insurance fraud is a crime that can drive up insurance premiums for everyone. According to the Coalition Against Insurance Fraud, insurance fraud costs $80 billion a year across all lines of insurance.
Insurance fraud may be committed at different points in the transaction by applicants, policyholders, third-party claimants or professionals who provide services to claimants. There are different types of fraud:
- Hard fraud: fabricating an injury or damage for financial gain such as submitting claims for injuries or damage that never occurred or staging accidents.
- Soft fraud: exaggerating damages to receive a payment more than the actual amount of loss sustained such as padding or inflating actual claims or misrepresenting facts.
- Identity theft: using your personal information without your permission to commit fraud or other crimes. Phishing is a common form of identity theft and occurs when a scammer sends emails claiming to be from reputable companies in order to induce individuals to reveal confidential personal information, such as passwords, Social Security numbers and credit card numbers. The information enables the perpetrators to gain access to victims’ accounts and steal their identities.
For steps you can take to help protect yourself or to report identity theft, please visit the Federal Trade Commission's website or call 877-IDTHEFT (877-438-4338).
How We Protect You
Cincinnati Financial Corporation and its subsidiaries will not send you an email requesting personal information, such as your Social Security number or password, or direct you to our website to provide information, unless we reference correspondence that you initiated. To help us protect you, please report any suspicious activity such as unsolicited mail, email, phone calls or text messages by clicking on the link at the bottom of the page.
Help Us Combat Fraud
Cincinnati’s Special Investigations Unit is dedicated to preventing, detecting and combating insurance fraud through data analytics and investigations. Our investigators partner with law enforcement, regulatory agencies and anti-fraud organizations such as the National Insurance Crime Bureau and Coalition Against Insurance Fraud to fight fraud every day. Help us fight fraud by reporting any suspicious activity or fraudulent insurance act.