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
Verified current public underwriting guidance is centered on Cincinnati Specialty Underwriters (CSU) / Cincinnati’s Excess & Surplus business rather than a detailed standard-lines appetite guide. Cincinnati states its E&S appetite is broad and that each risk is evaluated on individual merits. Publicly listed preferred / targeted E&S classes 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. Professional Liability / E&O is available for 85+ classes including 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. Property appetite examples include 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, and vacant buildings. Additional E&S offerings include cyber, management liability, special events, inland marine, and brokered non-CSU products such as commercial property, excess liability, event cancellation, wildfire deductible buyback, and wind/hail deductible buyback. Geographic notes: CSU operates in the same footprint as Cincinnati Insurance with 45 active states, while the CSU insurance company is an approved nonadmitted carrier in all 50 states plus Washington, D.C.; the public products/licensing page also shows some admitted business line availability varies by state, and business insurance is not shown for California or Hawaii on that grid. Submission / distribution guidance: Cincinnati works through independent agents only; for E&S, Cincinnati agents access CSU through the in-house brokerage CSU Producer Resources Inc., which is licensed in all 50 states and is also a Lloyd’s coverholder for additional specialty placements. Broker / producer notes: public guidance emphasizes routing submissions and service through appointed local independent agents rather than direct-to-insured submission; risks appear especially suitable when complex, hard-to-place, or needing nonadmitted/specialty market solutions. No public page was found listing explicit declined classes, hard prohibitions, minimum premiums, target account sizes, or detailed underwriting submission checklists, so absence of a class from the public list should not be treated as a decline.