Personal Insurance — Current accident year
Cincinnati Financial Personal Insurance — Current accident year remained flat by 0.0% to $605.75M in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 33.1%, from $455.25M to $605.75M. Over 4 years (FY 2021 to FY 2025), Personal Insurance — Current accident year shows an upward trend with a 23.5% CAGR. This is a positive signal — lower values indicate better performance for this metric.
Analysis
How to read this metric
A lower value relative to earned premiums suggests better underwriting discipline and more accurate risk pricing.
Detailed definition
Measures the total losses and loss adjustment expenses incurred during the current calendar year for policies written in...
Peer comparison
Commonly used in P&C insurance to evaluate core underwriting performance, often compared to industry loss ratios.
cinf_segment_personal_insurance_current_accident_yearHistorical Data
| FY'21 | FY'22 | FY'23 | FY'24 | FY'25 | |
|---|---|---|---|---|---|
| Value | $1.04B | $1.23B | $1.51B | $1.82B | $2.42B |
| YoY Change | — | +17.8% | +22.7% | +20.9% | +33.1% |
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Frequently Asked Questions
- What is Cincinnati Financial's personal insurance — current accident year?
- Cincinnati Financial (CINF) reported personal insurance — current accident year of $605.75M in Q4 2025.
- How has Cincinnati Financial's personal insurance — current accident year changed year-over-year?
- Cincinnati Financial's personal insurance — current accident year increased by 33.1% year-over-year, from $455.25M to $605.75M.
- What is the long-term trend for Cincinnati Financial's personal insurance — current accident year?
- Over 4 years (2021 to 2025), Cincinnati Financial's personal insurance — current accident year has grown at a 23.5% compound annual growth rate (CAGR), from $1.04B to $2.42B.
- What does personal insurance — current accident year mean?
- The total claims costs incurred specifically from insurance policies active during the current year.