Business Segments · Gross losses
Excess and Surplus Lines Insurance — Gross losses
Cincinnati Financial Excess and Surplus Lines Insurance — Gross losses increased by 17.0% to $1.22B in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 17.0%, from $1.04B to $1.22B. 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
Rolls up toReserve for insurance claims
How to read this metric
Increasing gross losses relative to premiums may indicate deteriorating underwriting quality or adverse claim trends.
Detailed definition
The total value of insurance claims incurred by the excess and surplus lines segment before any deductions for reinsuran...
Peer comparison
Standard industry metric; peers report this as 'Gross Losses Incurred'.
Metric ID:
cinf_segment_excess_and_surplus_lines_insurance_gross_lossesHistorical Data
5 periods
| Q4 '21 | Q4 '22 | Q4 '23 | Q4 '24 | Q4 '25 | |
|---|---|---|---|---|---|
| Value | $547.00M | $724.00M | $875.00M | $1.04B | $1.22B |
| QoQ Change | — | +32.4% | +20.9% | +19.2% | +17.0% |
| YoY Change | — | +32.4% | +20.9% | +19.2% | +17.0% |
Range$547.00M – $1.22B
CAGR+123.0%
Avg YoY Growth+22.3%
Median YoY Growth+20.0%
Current Streak4+ quarters growth
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Frequently Asked Questions
- What is Cincinnati Financial's excess and surplus lines insurance — gross losses?
- Cincinnati Financial (CINF) reported excess and surplus lines insurance — gross losses of $1.22B in Q4 2025.
- How has Cincinnati Financial's excess and surplus lines insurance — gross losses changed year-over-year?
- Cincinnati Financial's excess and surplus lines insurance — gross losses increased by 17.0% year-over-year, from $1.04B to $1.22B.
- What does excess and surplus lines insurance — gross losses mean?
- The total cost of insurance claims before accounting for reinsurance support.