Fraud Protection Center

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. Report insurance-related fraud to us.

State laws require that we share fraud warnings with you.

Applicable in most states: Any person who knowingly presents a false, misleading, or incomplete statement or conceals material information on an application for insurance may be guilty of a criminal offense and subject to penalties under state law.

Applicable in California: Any person who knowingly presents false or fraudulent information to obtain or amend insurance coverage or to make a claim for the payment of a loss is guilty of a crime and may be subject to fines and confinement in state prison.

Applicable in Washington D.C.: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

Applicable in New York: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime, and shall also be subject to a civil penalty not to exceed five thousand dollars and the stated value of the claim for each such violation.

Applicable in Pennsylvania: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties.

Ways to Report Fraud

Report insurance-related fraud to us by completing this form or calling 844-928-0252. Refer to the chart below to report other types of fraud to the appropriate authorities:

Type of Fraud	Contact
Job, imposter and fake check scams	Federal Trade Commission
Cybercrime	FBI's Internet Complaint Center
Identify Theft	Federal Trade Commission's Identify Theft Website
Scams involving U.S. mail and checks sent by USPS	Postal Inspection Service

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.

Report Fraud