Cincinnati Financial Appetite Guide
Cincinnati Financial appetite across 18 business classes. Available in 44 states (primarily midwest, southeast, mid-atlantic — not available in ak, hi, la, ny, ri, wy).
Cincinnati Financial is a strong regional option for restaurants in their operating territory. Their local field underwriters have binding authority, which means faster turnaround than many national carriers. The included equipment breakdown and food spoilage coverage is a nice value-add. Not available in several major states, so check availability first.
Preferred Appetite (7 classes)
preferredGeneral Contractors
General Liability · Workers' Compensation · Commercial Auto
preferredRetail Stores
General Liability · Business Owners Policy (BOP) · Workers' Compensation
preferredManufacturing
General Liability · Commercial Property · Workers' Compensation
preferredWholesale Distribution
General Liability · Commercial Property · Commercial Auto
preferredPlumbing Contractors
General Liability · Commercial Property · Workers' Compensation
preferredElectrical Contractors
General Liability · Commercial Property · Workers' Compensation
preferredAccounting Firms
Business Owners Policy (BOP) · General Liability · Commercial Property
Standard Appetite (7 classes)
standardRestaurants
General Liability · Business Owners Policy (BOP) · Workers' Compensation
standardProfessional Services
General Liability · Business Owners Policy (BOP) · Professional Liability (E&O)
standardTechnology Companies
General Liability · Business Owners Policy (BOP) · Technology E&O
standardReal Estate
General Liability · Business Owners Policy (BOP) · Commercial Property
standardLandscaping & Lawn Care
Business Owners Policy (BOP) · General Liability · Commercial Property
standardAuto Repair Shops
General Liability · Commercial Property · Workers' Compensation
standardLaw Firms
Business Owners Policy (BOP) · General Liability · Commercial Property
Limited Appetite (4 classes)
limitedTrucking
Commercial Auto · General Liability · Workers' Compensation
limitedHealthcare Offices
General Liability · Business Owners Policy (BOP) · Workers' Compensation
limitedCleaning Services
Business Owners Policy (BOP) · General Liability · Commercial Property
limitedBeauty Salons & Spas
Business Owners Policy (BOP) · General Liability · Commercial Property
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