Personal Insurance — Underwriting, acquisition and insurance expenses
Cincinnati Financial Personal Insurance — Underwriting, acquisition and insurance expenses increased by 3.0% to $238.00M in Q1 2026 compared to the prior quarter. Year-over-year, this metric grew by 13.3%, from $210.00M to $238.00M. Over 3 years (FY 2022 to FY 2025), Personal Insurance — Underwriting, acquisition and insurance expenses shows an upward trend with a 20.7% CAGR. This increase may warrant attention — for this metric, lower values are generally preferred.
Analysis
How to read this metric
Lower expenses relative to premiums indicate higher operational efficiency and better cost management.
Detailed definition
This captures the operational costs associated with acquiring new business and maintaining existing policies, including...
Peer comparison
Comparable to 'underwriting expenses' or 'operating expenses' in peer P&C insurance filings.
cinf_segment_personal_insurance_underwriting_acquisition_and_insurance_expensesHistorical 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 | $127.25M | $127.25M | $127.25M | $127.25M | $152.50M | $152.50M | $152.50M | $152.50M | $173.00M | $185.00M | $196.00M | $208.00M | $210.00M | $222.00M | $233.00M | $231.00M | $238.00M |
| QoQ Change | — | +0.0% | +0.0% | +0.0% | +19.8% | +0.0% | +0.0% | +0.0% | +13.4% | +6.9% | +5.9% | +6.1% | +1.0% | +5.7% | +5.0% | -0.9% | +3.0% |
| YoY Change | — | — | — | — | +19.8% | +19.8% | +19.8% | +19.8% | +13.4% | +21.3% | +28.5% | +36.4% | +21.4% | +20.0% | +18.9% | +11.1% | +13.3% |
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Frequently Asked Questions
- What is Cincinnati Financial's personal insurance — underwriting, acquisition and insurance expenses?
- Cincinnati Financial (CINF) reported personal insurance — underwriting, acquisition and insurance expenses of $238.00M in Q1 2026.
- How has Cincinnati Financial's personal insurance — underwriting, acquisition and insurance expenses changed year-over-year?
- Cincinnati Financial's personal insurance — underwriting, acquisition and insurance expenses increased by 13.3% year-over-year, from $210.00M to $238.00M.
- What is the long-term trend for Cincinnati Financial's personal insurance — underwriting, acquisition and insurance expenses?
- Over 3 years (2022 to 2025), Cincinnati Financial's personal insurance — underwriting, acquisition and insurance expenses has grown at a 20.7% compound annual growth rate (CAGR), from $509.00M to $896.00M.
- What does personal insurance — underwriting, acquisition and insurance expenses mean?
- The operational and acquisition costs incurred to write and manage insurance policies.