Personal Insurance — Insurance losses and contract holders' benefits
Cincinnati Financial Personal Insurance — Insurance losses and contract holders' benefits increased by 29.7% to $607.00M in Q1 2026 compared to the prior quarter. Year-over-year, this metric declined by 28.3%, from $846.00M to $607.00M. Over 3 years (FY 2022 to FY 2025), Personal Insurance — Insurance losses and contract holders' benefits shows an upward trend with a 27.5% CAGR. This increase may warrant attention — for this metric, lower values are generally preferred.
Analysis
How to read this metric
A decrease relative to premiums indicates improved underwriting discipline and lower claim severity or frequency.
Detailed definition
This represents the total costs incurred from claims filed by policyholders, including both paid losses and changes in r...
Peer comparison
Referred to as 'incurred losses' or 'claims expense' across the insurance industry.
cinf_segment_personal_insurance_insurance_losses_and_contract_holders_benefitsHistorical Data
| Q1 '22 | Q2 '22 | Q3 '22 | Q4 '22 | Q1 '23 | Q2 '23 | Q3 '23 | Q4 '23 | Q1 '24 | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Value | $291.50M | $291.50M | $291.50M | $291.50M | $360.50M | $360.50M | $360.50M | $360.50M | $379.00M | $489.00M | $553.00M | $374.00M | $846.00M | $598.00M | $507.00M | $468.00M | $607.00M |
| QoQ Change | — | +0.0% | +0.0% | +0.0% | +23.7% | +0.0% | +0.0% | +0.0% | +5.1% | +29.0% | +13.1% | -32.4% | +126.2% | -29.3% | -15.2% | -7.7% | +29.7% |
| YoY Change | — | — | — | — | +23.7% | +23.7% | +23.7% | +23.7% | +5.1% | +35.6% | +53.4% | +3.7% | +123.2% | +22.3% | -8.3% | +25.1% | -28.3% |
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Frequently Asked Questions
- What is Cincinnati Financial's personal insurance — insurance losses and contract holders' benefits?
- Cincinnati Financial (CINF) reported personal insurance — insurance losses and contract holders' benefits of $607.00M in Q1 2026.
- How has Cincinnati Financial's personal insurance — insurance losses and contract holders' benefits changed year-over-year?
- Cincinnati Financial's personal insurance — insurance losses and contract holders' benefits decreased by 28.3% year-over-year, from $846.00M to $607.00M.
- What is the long-term trend for Cincinnati Financial's personal insurance — insurance losses and contract holders' benefits?
- Over 3 years (2022 to 2025), Cincinnati Financial's personal insurance — insurance losses and contract holders' benefits has grown at a 27.5% compound annual growth rate (CAGR), from $1.17B to $2.42B.
- What does personal insurance — insurance losses and contract holders' benefits mean?
- The total cost of insurance claims and related benefits paid or reserved for policyholders.