Cincinnati Insurance Company Review
Written by
Environmental and natural resource advocate and business owner, Rene Todd Fields, has more than 10 years of experience working within both private and public sectors and enjoys helping individuals understand their options and make solid coverage decisions.
Cincinnati Insurance Company at a Glance
- Founded in 1950
- Offers business insurance, home insurance, auto insurance, and life insurance
- Coverage available in 45 states and the District of Columbia
- “A+” (superior) rating by A.M. Best
- “A+” (excellent) rating by the Better Business Bureau (BBB)
- Also offers excess and surplus options
- 24/7 phone and online claims processing
- Strong financial stability
Cincinnati Insurance pros: Well-established carrier with more than 60 years’ worth of experience in the insurance industry. Highly rated by A.M. Best and the BBB. Strong financial stability. Coverage available in 45 states and the District of Columbia. 24/7 phone and online claims processing.
Cincinnati Insurance cons: Not BBB accredited. Difficult to find customer feedback. Not much information about claims process provided on official website. Official website could use a major update.
What Type of Insurance Does Cincinnati Insurance Offer?
Cincinnati Insurance is a pretty general insurance company, with a focus on property casualty insurance, life insurance, and excess and surplus coverage for its clients. Their insurance products offered is as follows.
- Business insurance
- Business automobile
- Business life insurance
- Business liability
- Commercial property insurance
- Crime
- Cyber risk
- Excess and surplus
- Inland marine
- Management liability
- Professional liability (E&O)
- Reinsurance
- Surety solutions
- Umbrella liability
- Workers’ compensation
- Personal insurance
- Executive capstone program
- Home
- Auto
- Personal articles
- Umbrella
- Yacht and Oceania
- Home insurance
- Rental dwellings
- Enhanced replacement cost
- Homeowner plus
- Personal liability
- Identity theft
- Personal cyber protection
- Auto insurance
- Antique or collector car insurance
- Auto plus
- Gap coverage
- Replacement cost plus
- Personal articles
- Tips to protect your collection
- Umbrella insurance
- Watercraft insurance
- Vessels under 20 feet
- Vessels 20 feet or more
- Risk management
- Evaluate the replacement cost of your home
- Choose to protect your home
- Prepare for natural disasters
- Prevent loss through proper maintenance
- Consider these factors before building
- Avoid water damage losses
- Protect your valuable personal property
- Life insurance
- Term
- Universal life
- Whole life
- Annuities
- Executive capstone program
Your independent insurance agent can help you find more information about the coverage offered by Cincinnati Insurance, and help you decide if this insurance company is right for you.
Using our insurance company directory can help you find the best insurance companies that specialize in your specific coverage needs. The company directory can also help you get connected to an agent near you.
What to Know about Cincinnati Insurance
Cincinnati Insurance was founded in 1950, giving the carrier more than 60 years worth of experience in the insurance industry. In 1968, Cincinnati Financial Corporation was founded as a holding company that operates through The Cincinnati Insurance Company, which itself has four insurance subsidiaries, and through two financial services subsidiaries.
Today, Cincinnati Insurance still focuses its efforts on providing a variety of solutions for clients in need. Coverage is offered in 45 states and the District of Columbia. The insurance company's LinkedIn profile states that Cincinnati Insurance has between 1,001 and 5,000 employees, with 3,600 of them found on the social media platform. As far as financial size, A.M. Best places the carrier in the $2 billion or greater category.
Thanks to its productive history and financial strength, Cincinnati Insurance has earned a reputation as a stable insurance company with a stable outlook for the future. A.M. Best, the leading global credit rating agency monitoring the insurance industry, gives Cincinnati Insurance an “A+” rating, indicating the carrier is a superior choice for insurance customers. High ratings from A.M. Best assure customers that Cincinnati Insurance can offer guaranteed, secure coverage from a financially sound carrier.
Established in 1899, A.M. Best is one of the oldest rating companies in the world. Reviews from A.M. Best indicate an insurance company’s financial strength and creditworthiness and are based on comprehensive evaluations of the company’s operating performance, business profile, and balance sheet. For customers who are not as familiar with insurance companies’ respective reputations, A.M. Best’s ratings system allows them to make an informed decision about who they can trust to meet their needs in the short term, and who will remain a strong, financially sound company in the long term.
What Discounts Does Cincinnati Insurance Offer?
While Cincinnati Insurance does not make information about their specific discounts readily available, there are several discounts listed on their website. These discounts include the following.
- Good claim history discount: If you have no claims or a small number of claims over a long period of time, you can qualify for premium credits.
- Healthy living discount: You may reduce the cost of your insurance coverage by quitting smoking, driving safely, and following other healthy lifestyles.
- Safety equipment discount: You may reduce your premiums by installing and properly maintaining safety equipment in your auto, home, or business.
- Higher deductibles discount: If you pay a higher deductible it generally means a lower premium.
- Multiple policies discount: You may qualify for a discount if you package multiple policies with The Cincinnati Insurance Companies.
An independent insurance agent can provide better discount information and premium quotes for coverage through Cincinnati Insurance. When it comes to coverage, independent insurance agents work hard to help get you the most bang out of your buck.
Cincinnati Insurance Customer Service
Cincinnati Insurance offers 24/7 phone and online claims reporting for its policyholders. The carrier also provides the following customer service options.
- Online bill pay
- Email contact option
- Customer service availability - Cincinnati Insurance has general business hours listed on their website, as well as other business hours for different claims processing departments.
| Hours (Eastern) | |||
| Monday-Friday | 8am - 5pm | ||
| Saturday | 8am - 12pm | ||
| Sunday | Closed |
The best way to guarantee a effortless customer service experience is to work with an independent insurance agent. Independent insurance agents can help handle claims and other concerns for you, so you can relax and enjoy your coverage.
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Cincinnati Insurance FAQ
What is Cincinnati Insurance's average claim response time frame?
Cincinnati Insurance offers claims reporting through a couple of mediums. However, the insurance company does not provide an official claims response time frame promise. Cincinnati Insurance does encourage customers to file claims immediately or ASAP after an incident.
What is Cincinnati Insurance's customer service availability?
Cincinnati Insurance allows customers to file claims over the phone and online 24/7. They list their business hours on their official website, social media pages, and when calling the carrier. The carrier’s social media presence extends across Facebook and LinkedIn, which makes them a bit easier to get to.
What is Cincinnati Insurance's claims process?
Cincinnati Insurance offers a couple of options for claims reporting. However, the insurance company does not detail their claims process on their official website or social media platforms. If customers have questions about filing or the claims process itself, they can contact the carrier via phone or email or get in touch with their independent insurance agent.
Does Cincinnati Insurance's website create a user-friendly experience for customers?
Cincinnati Insurance’s official website could certainly use an update. The carrier does not provide much information about their claims process or detail a claims response time frame. Online bill pay is available, as is 24/7 claims reporting via phone or online, which are nice, modern customer service features. So, while Cincinnati Insurance is not awful in terms of user-friendliness, they could stand to update their practices in a couple of areas.
Cincinnati Insurance Customer Reviews
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| “I have been working at The Cincinnati Insurance Company full-time for more than 10 years. Pros: This is a great place for work life balance. Cons: There can be favorites played” —Current Employee - Regional Director in Cincinnati, OH |
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| “I have been working at The Cincinnati Insurance Company full-time. Pros: Great people High flexibility Great opportunity if you stay awhile. Cons: Low starting pay Not much else negative” —Current Employee - Billing Analyst in Phoenix, AZ |
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| “I have been working at The Cincinnati Insurance Company full-time. Pros: Great company to work for. Cons: Benefits could be better, but they're similar to others” —Current Employee - Senior Vice President in Cincinnati, OH |
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| “I have been working at The Cincinnati Insurance Company full-time for more than 3 years. Pros: Culture and great work atmosphere. Cons: Salary is not that high” —Current Employee - Anonymous Employee |
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| “I worked at The Cincinnati Insurance Company full-time for more than 5 years. Pros: Great company to work for. Cons: Business does not fully trust IT.” —Former Employee - Software Developer in Fairfield, OH |
TrustedChoice.com's Final Review
We award Cincinnati Insurance Company a final rating of 5 out of 5 stars. The insurance company has been around for more than 60 years now, which is significant within the insurance industry. And it seems the carrier has used this time to their advantage. Cincinnati Insurance has received high ratings through A.M. Best and the BBB, although they have not been accredited through the latter organization. Their coverage is offered in 45 states and the district of Columbia and their catalog is quite extensive. The insurance company provides 24/7 claims reporting via online or phone and online bill pay. There is plenty of information about the carrier’s coverage on their official website. However, there is not a claims response time frame promise or an outline of their claims process. It is challenging to find any customer feedback about the insurance company online. Fortunately, it is still easy to say many positive things about this insurance company. So, our recommendation is that if you are in the market for personal and/or business coverage, assess your options for trusted carriers with your independent insurance agent, and take a better look into Cincinnati Insurance.
https://www.cinfin.com
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