Business Segments · 4
Excess and Surplus Lines Insurance — 4
Cincinnati Financial Excess and Surplus Lines Insurance — 4 increased by 0.6% to 15.8% in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 0.6%, from 15.7% to 15.8%. This increase may warrant attention — for this metric, lower values are generally preferred.
Analysis
StatementSegment
CategoryProfitability
SignalLower is better
VolatilityVolatile
First reportedQ4 2016
Last reportedQ4 2025
How to read this metric
A lower ratio of losses to premiums indicates strong underwriting discipline and profitability.
Detailed definition
Represents the total insurance losses and contract holders' benefits incurred by the segment during the period. This is...
Peer comparison
Standard industry metric; peers report this as 'Incurred Losses'.
Metric ID:
cinf_segment_excess_and_surplus_lines_insurance_4Historical Data
5 periods
| Q4 '21 | Q4 '22 | Q4 '23 | Q4 '24 | Q4 '25 | |
|---|---|---|---|---|---|
| Value | 15.6% | 16.1% | 16.2% | 15.7% | 15.8% |
| QoQ Change | — | +3.2% | +0.6% | -3.1% | +0.6% |
| YoY Change | — | +3.2% | +0.6% | -3.1% | +0.6% |
Range15.6% – 16.2%
CAGR+1.3%
Avg YoY Growth+0.3%
Median YoY Growth+0.6%
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Frequently Asked Questions
- What is Cincinnati Financial's excess and surplus lines insurance — 4?
- Cincinnati Financial (CINF) reported excess and surplus lines insurance — 4 of 15.8% in Q4 2025.
- How has Cincinnati Financial's excess and surplus lines insurance — 4 changed year-over-year?
- Cincinnati Financial's excess and surplus lines insurance — 4 increased by 0.6% year-over-year, from 15.7% to 15.8%.
- What does excess and surplus lines insurance — 4 mean?
- The total cost of claims and benefits paid or reserved for by the insurance segment.