Feel the power of personal from a dedicated team who understands your risks

Together with your risk manager, we’ll structure policy coverages and terms specific to your business needs. Our empowered Cincinnati team works together to support your risk management efforts by providing solutions to protect your business.  

Cincinnati’s large account team has the expertise to assess various types of general businesses and construction industries that need: 

  • National capabilities – the ability to write exposures in all 50 states
  • Formalized service plans, risk management information and single point of contact for claims and loss control coordination
  • Risk management information through an online portal to analyze claims data and proactively manage potential loss
  • Risk management specialized resources such as: Prevention through Design, plan reviews, OSHA Certification and workers’ compensation ongoing training
Business people making a deal in a meeting room

General Industries

Your Cincinnati experience starts with knowledgeable professionals who review your business and understand how to help protect it. They'll work with you to identify your insurance needs and customize service plans to best serve your business needs. Service plans may include loss control resources, claims reviews and access to our Cincinnati RiskManagerSM online platform for claims management. All are part of a year-round relationship that delivers the best value to you.

Begin building your program by selecting from multiple commercial package policies offering the standard property or liability coverages needed by all businesses and, in some cases, built-in additional features. They will customize your insurance programs offering:

  • Guaranteed cost
  • Intermediate deductible solutions
  • Broad coverage terms and options for:
    • Property and inland marine
    • General and umbrella liability
    • Automobiles
    • Workers’ compensation
    • Management liability

Cincinnati offers flexibility for a wide variety of businesses and can complete your insurance package with customized options and additional coverage for the risks common to your industry, yet specific to your business:

  • Business associations
  • Commercial real estate
  • Communications
  • Craft breweries and distilleries
  • Golf and country clubs
  • Federal government contracting
  • Large commercial property
  • Legal engineers
  • Financial institutions
  • Offices
  • Manufacturers
  • Medical offices
  • Utility companies
  • Outpatient healthcare offices
  • Wholesale and distribution

Construction

Cincinnati provides coverage options for a wide variety of construction businesses, including civil and infrastructure, general contracting and specialty trades. Experts help build an insurance program offering guaranteed cost and intermediate deductible solutions:

  • General liability offering broad coverage with built-in enhancements specifically for contractors, including excess wrap-up coverage and primary noncontributory coverage 
  • Automobile
  • Umbrella
  • Workers’ compensation
  • Property and inland marine
  • Cyber risk
  • Management liability
  • Surety
  • Owners and contractors protective and railroad protective

Inland Marine

Protect your projects, property, tools, equipment and more with confidence by turning to Cincinnati's experienced large accounts inland marine team. Obtain exceptional products and services while receiving these Cincinnati advantages:

  • Quick turnaround time for quotes
  • Dedicated loss control expertise
  • Broad coverage forms
  • Tailor-made coverages for unique exposures
  • Limits of insurance – up to $200 million – for superior construction builders’ risk accounts
  • Flexible underwriting appetite
  • Limits available for flood and earthquake

Fulfilling our promise

We help policyholders recover financially after a loss. When it comes to handing claims, we'll quickly respond and look for coverage – not exceptions. If your business requires specialized claims service, you’ll have a single point of contact who you can call to coordinate service. Additional claims services available that help to fulfill the insurance promise include:

  • Cincinnati’s RiskManagerSM online platform, providing:
    • Access to claims analytics with trends, location coding and daily data refresh
    • Reports that break down loss by injury types
    • Access to claims notes
    • Direct contact to assigned claims representative via email
    • Ability to set up reserve alerts, track claims financials and more
  • Specialized claims handling guidelines tailored to your needs
  • Periodic claims reviews as needed; quarterly, semi-annually or annually
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