Cincinnati Financial Corporation (NASDAQ: CINF) is a U.S.-based insurance holding company founded in 1950 and headquartered in Fairfield, Ohio. The company’s core business is writing property and casualty insurance through a network of independent agents. Cincinnati Financial operates under a mutual holding company structure, with principal subsidiaries including The Cincinnati Insurance Company, The Cincinnati Indemnity Company and The Cincinnati Life Insurance Company.
The company’s product offerings encompass personal lines such as homeowners, automobile and umbrella coverage, as well as commercial lines including business owners, farm and workers’ compensation policies. Through its life insurance arm, Cincinnati Financial also provides term and whole life policies, disability income protection, and annuities. A hallmark of the firm’s approach is combining local underwriting expertise with centralized risk engineering, claims management and loss control services to support long-term policyholder relationships.
With operations spanning the United States and particular strength in the Midwest and Southeast regions, Cincinnati Financial serves both individual and corporate clients exclusively via independent insurance agents and agencies. As of 2024, Steven J. Johnston holds the positions of Chairman and Chief Executive Officer. Under his leadership, the company emphasizes disciplined underwriting, conservative financial management and strategic investments in technology to enhance customer service and operational efficiency.