Cincinnati Insurance Company
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Cincinnati Insurance currently markets standard personal, commercial, and life products through local independent agents, with excess and surplus business handled through Cincinnati Specialty Underwriters (CSU) and its in-house brokerage CSU Producer Resources Inc. The most explicit published underwriting/appetite guidance available on the official site is the E&S page. For standard commercial business, Cincinnati emphasizes tailored industry solutions, small and large business capability, loss control support, and a three-year commercial package policy available in most states for many coverages when the account qualifies. Liability coverages such as general liability, professional liability/E&O, umbrella, and excess are not automatically included in the CPP and may need to be added separately. Submission and service are agent-driven: Cincinnati works exclusively through independent agents, and the website directs insureds/brokers to contact a local independent agent for quotes, coverage availability, and policy service; website contact channels explicitly cannot bind coverage. For E&S, Cincinnati states appetite is broad but each risk is evaluated individually. Preferred or actively written E&S classes published include general/excess liability for alarm installers, bars/taverns with or without liquor liability, craft breweries/distilleries, demolition, discontinued products, drones, habitational/apartments, heavy truck repair, industrial plumbing contractors, landscapers, lessor’s risk, machine shops, machinery manufacturers/distributors, mercantile, millwrights, nutraceuticals, owner’s interest, roofing contractors, sporting goods manufacturers, sports/recreation facilities, toys/games manufacturers and distributors, trailer manufacturers, tree trimmers, and vacation rentals. Published professional liability / E&O appetite includes more than 85 classes such as accountants, advertising agencies, allied health, bookkeeping, broadcasters, construction managers, consultants, court recorders, day spas, dentists, film production, home inspectors, lawyers, manufacturers E&O, miscellaneous professional, physical therapists, publishers, real estate agents, web-based media, and x-ray technicians. Published E&S property appetite includes apartments, auto body shops, auto repair facilities, contractor’s storage, day spas, daycare centers, lessor’s risk, machine shops, manufacturing, motels/hotels, rental properties, restaurants, retail, schools, shared and layered property, and vacant buildings. Additional E&S products shown are cyber liability, management liability, special events, inland marine, and brokered products including commercial property, excess liability, event cancellation, shared/layered property, wildfire deductible buyback, and wind/hail deductible buyback. Geographic notes: CSU says it operates in the same footprint as Cincinnati Insurance covering 45 active states, while CSU itself is an approved nonadmitted carrier in all 50 states and Washington, D.C.; Cincinnati’s products/licensing page indicates Cincinnati business insurance is not available in California, and E&S homeowners are only available in a limited listed set of states. No formal published declined-class list or hard prohibitions was found on the official public pages reviewed, so restricted/declined guidance should be treated as not publicly detailed; however, the company positions E&S for complex or hard-to-place risks and notes individual risk review rather than blanket online quoting. Broker/producer notes: access is through Cincinnati-appointed independent agents, with E&S placements leveraging CSU Producer Resources; CSU Producer Resources is licensed in all 50 states and is a Lloyd’s coverholder, suggesting brokered specialty placements beyond CSU paper when needed.