LinesBOP, GL, Commercial property, WC, Commercial auto, Cyber, Professional liability, Home, Auto, Dwelling, Personal umbrella, Specialty
Agent portalYes
Quote APINo
StatesSee appetite
Appetite
| Class | Line | States | Notes |
|---|---|---|---|
| Contractors | BOP | Most states | Cincinnati's small business page lists small contractors it serves: carpenters, drywall installers, electricians, HVAC, painters, paper hangers, plumbers and tile installers. BOP, GL, property, WC, auto, cyber and professional liability are the listed coverages. No size limits are published (Small Business page, Oct 2026). |
| Retail | BOP | Most states | Named retail classes: apparel and footwear, building materials and garden supplies, electronics and home goods, florists, and sports, hobbies, music and books. A three-year policy term is available for qualifying businesses (Small Business page, Oct 2026). |
| Restaurants | BOP | Most states | Named restaurant and food classes: breweries, caterers, coffee bars and cafés, delis and sandwich shops, and ice cream shops (Small Business page, Oct 2026). |
| Healthcare | BOP | Most states | Named health care classes: medical offices, chiropractors, dentists, dermatologists, dietitians, general practitioners, occupational therapists and sleep centers (Small Business page, Oct 2026). |
| Professional services | BOP | Most states | Named professional and business services: accountants, consulting, design and drafting, finance and insurance services, lawyers, and marketing and advertising. Professional liability is offered alongside the BOP (Small Business page, Oct 2026). |
| Real estate | BOP | Most states | Named real estate classes: commercial condos, homeowner associations, lessors of office, retail and service occupancies, and real estate and title agents (Small Business page, Oct 2026). |
| High-value home | Home | Most states | Cincinnati Private Client offers specialized coverage for high-value homes, with personal excess liability up to $100 million. Valuables are insured at appraised value. No minimum home value is published (Private Client page, Oct 2026). |
| Condo | Home | Most states | Home, condo and renters policies all include personal liability, with a personal umbrella available for higher limits. Personal cyber and identity theft coverage can be added. Water shut-off device discounts are subject to eligibility (Home and Condo page, Oct 2026). |
| Landlord | Dwelling | Most states | Rental dwelling policy for one- to four-family rental properties covers the dwelling, other structures, personal property, fair rental value and additional living expenses (Home and Condo page, Oct 2026). |
| Recreational vehicles | Specialty | Most states | Watercraft coverage for vessels up to and over 80 feet, with agreed value on a total loss, plus towing, wreck removal and search and rescue. Private Client auto can cover collector cars, motorcycles and motorhomes on one policy (Private Client page, Oct 2026). |
How to quote Cincinnati Insurance
→Carrier portal. Quote directly in the Cincinnati Insurance agent portal.
Getting appointed
Agencies apply through Cincinnati's 'Representing Cincinnati' prospect form. It asks for total standard volume for the last calendar year, active lines (commercial, E&S, personal), commercial/personal product mix and top three P&C carriers.