# The Cincinnati Insurance Companies

> An insurance group within publicly traded Cincinnati Financial Corporation, Cincinnati sells business, personal and life coverage through independent agents. Local underwriting and claims service underpin a portfolio that also includes surplus lines, reinsurance and London specialty underwriting. The parent reported $12.631 billion in 2025 revenue.

- **Founded:** 1950
- **Headquarters:** Fairfield, United States
- **Founders:** John J. Schiff Sr. (Co-founder; independent insurance agent), Robert C. Schiff (Co-founder; independent insurance agent), Chester T. Field (Co-founder; independent insurance agent), Harry M. Turner (Co-founder; independent insurance agent)
- **Products:** Commercial insurance, Cinergy small business program, Cincinnati Private Client, Personal insurance, Life insurance and fixed annuities
- **Notable:** 75th anniversary in 2025., Parent joined the S&P 500 in 1997., 2025 property-casualty net written premiums exceeded $10 billion for the first time.

## Products & services

- **Commercial insurance** — Business property, liability, business auto, workers’ compensation, cyber and industry-specific coverages sold through independent agents.
- **Cinergy small business program** — Agent-facing quoting and issuance for customizable businessowners, auto, workers’ compensation and umbrella coverage; initially launched in six states in 2022.
- **Cincinnati Private Client** — High-value homes, collector vehicles, valuables, excess liability and watercraft protection; the high-net-worth offering was rebranded in 2023.
- **Personal insurance** — Home, auto, umbrella and other personal property and liability policies.
- **Life insurance and fixed annuities** — Issued by The Cincinnati Life Insurance Company.
- **Excess and surplus lines** — Specialty protection for risks outside standard-market underwriting appetite through Cincinnati Specialty Underwriters and its affiliated brokerage.
- **Cincinnati Re** — Assumed reinsurance business diversifying the group’s underwriting portfolio.
- **Cincinnati Global** — London-based specialty underwriting through Lloyd’s Syndicate 318, acquired in 2019.
- **Loss control** — Advisory risk evaluation, prevention resources and field consultation included in insurance programs at no additional charge; separate vendor offerings may have their own terms.

## Achievements

- 75th anniversary in 2025.
- Parent joined the S&P 500 in 1997.
- 2025 property-casualty net written premiums exceeded $10 billion for the first time.
- Fourteen consecutive years of underwriting profit through 2025.
- AM Best A+ financial strength rating reported for the property-casualty group.
- Cinergy small-business program reached nearly $100 million in written premium in 2025.

## Latest updates

- **2026-10** — October 7 announcement scheduled third-quarter results for October 26 and the earnings call for October 27; these results were still pending as of October 22.
- **2026-09** — Marc J. Schambow announced retirement for January 2027; Todd V. McMillan will take executive responsibility for headquarters and field claims teams.
- **2026-07** — Second-quarter property-casualty combined ratio was 100.8%; first-half combined ratio was 98.2%. Investment income supported quarterly profits.
- **2026-02** — Full-year 2025 results: $12.631 billion consolidated revenue and $2.393 billion net income.

## Links

- Website: https://cinfin.com
- LinkedIn: https://www.linkedin.com/company/the-cincinnati-insurance-companies/
- YouTube: https://www.youtube.com/c/TheCincinnatiInsuranceCompanies
- Instagram: https://www.instagram.com/cincinnati_insurance/
- Facebook: https://www.facebook.com/CincinnatiInsurance/

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Published by YesPress — https://yespress.io
Last updated: 2026-10-22