Business Segments · Unearned premiums
Excess and Surplus Lines Insurance — Unearned premiums
Cincinnati Financial Excess and Surplus Lines Insurance — Unearned premiums increased by 12.8% to $362.00M in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 12.8%, from $321.00M to $362.00M. This is a positive signal — higher values indicate stronger performance for this metric.
Analysis
StatementSegment
CategoryGrowth
SignalHigher is better
VolatilityModerate
First reportedQ4 2014
Last reportedQ4 2025
How to read this metric
An increase suggests growth in the volume of policies currently in force.
Detailed definition
This metric represents the portion of written premiums that has been collected but not yet earned because the policy cov...
Peer comparison
Standard 'Unearned Premium Reserve' (UPR) across all P&C insurers.
Metric ID:
cinf_segment_excess_and_surplus_lines_insurance_unearned_premiumsHistorical Data
5 periods
| Q4 '21 | Q4 '22 | Q4 '23 | Q4 '24 | Q4 '25 | |
|---|---|---|---|---|---|
| Value | $207.00M | $236.00M | $273.00M | $321.00M | $362.00M |
| QoQ Change | — | +14.0% | +15.7% | +17.6% | +12.8% |
| YoY Change | — | +14.0% | +15.7% | +17.6% | +12.8% |
Range$207.00M – $362.00M
CAGR+74.9%
Avg YoY Growth+15.0%
Median YoY Growth+14.8%
Current Streak4+ quarters growth
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Frequently Asked Questions
- What is Cincinnati Financial's excess and surplus lines insurance — unearned premiums?
- Cincinnati Financial (CINF) reported excess and surplus lines insurance — unearned premiums of $362.00M in Q4 2025.
- How has Cincinnati Financial's excess and surplus lines insurance — unearned premiums changed year-over-year?
- Cincinnati Financial's excess and surplus lines insurance — unearned premiums increased by 12.8% year-over-year, from $321.00M to $362.00M.
- What does excess and surplus lines insurance — unearned premiums mean?
- Premiums collected for insurance coverage that has not yet been provided.