The Cincinnati Insurance Companies sell exclusively through independent agents, a distribution choice the group has held since four agents founded it in 1950. Commercial accounts can be written for property and inland marine, business liability, commercial auto, workers’ compensation, cyber risk, machinery and equipment, management liability and construction exposures, with excess and surplus capacity through Cincinnati Specialty Underwriters and specialty placements through Cincinnati Global at Lloyd’s Syndicate 318. On the personal side you can pair home and condo, auto and watercraft coverage, with Cincinnati Private Client handling higher-value households, and The Cincinnati Life Insurance Company adding life insurance and fixed annuities. Standard market property casualty products are available in 46 states, and field claims representatives live in the territories they serve rather than working from a central call center. AM Best assigns A+ (Superior) to both the property casualty group and The Cincinnati Life Insurance Company.
