Business Segments · 9
Excess and Surplus Lines Insurance — 9
Cincinnati Financial Excess and Surplus Lines Insurance — 9 decreased by 57.9% to 1.6% in Q4 2025 compared to the prior quarter. Year-over-year, this metric declined by 57.9%, from 3.8% to 1.6%. This is a positive signal — lower values indicate better performance for this metric.
Analysis
StatementSegment
CategoryEfficiency
SignalLower is better
VolatilityStable
First reportedQ4 2019
Last reportedQ4 2025
How to read this metric
An increase relative to premiums indicates rising operational inefficiency or higher acquisition costs.
Detailed definition
This metric measures the underwriting, acquisition, and insurance expenses specifically attributable to the Excess and S...
Peer comparison
Comparable to 'Underwriting Expense Ratio' components at peer insurers.
Metric ID:
cinf_segment_excess_and_surplus_lines_insurance_9Historical Data
5 periods
| Q4 '21 | Q4 '22 | Q4 '23 | Q4 '24 | Q4 '25 | |
|---|---|---|---|---|---|
| Value | 1.1% | 1.7% | 4.3% | 3.8% | 1.6% |
| QoQ Change | — | +54.5% | +152.9% | -11.6% | -57.9% |
| YoY Change | — | +54.5% | +152.9% | -11.6% | -57.9% |
Range1.1% – 4.3%
CAGR+45.5%
Avg YoY Growth+34.5%
Median YoY Growth+21.5%
Current Streak2 quarters decline
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Frequently Asked Questions
- What is Cincinnati Financial's excess and surplus lines insurance — 9?
- Cincinnati Financial (CINF) reported excess and surplus lines insurance — 9 of 1.6% in Q4 2025.
- How has Cincinnati Financial's excess and surplus lines insurance — 9 changed year-over-year?
- Cincinnati Financial's excess and surplus lines insurance — 9 decreased by 57.9% year-over-year, from 3.8% to 1.6%.
- What does excess and surplus lines insurance — 9 mean?
- The operational and acquisition costs required to run the Excess and Surplus insurance business.