LimitedVerified Q1 2026
Source: Cincinnati Financial – Business Insurance
Cincinnati Financial: Healthcare Offices Insurance Appetite
Cincinnati Financial can only cover the property and GL side of healthcare offices. Medical malpractice must be placed with CNA, The Hartford, or specialty medical carriers. Their geographic limitations further narrow their usefulness. Best used as a supporting carrier for administrative healthcare operations in their operating territory.
Available Lines
| Line of Business |
|---|
| General Liability |
| Business Owners Policy (BOP) |
| Workers' Compensation |
| Commercial Property |
Premium Range
$2,000-$10,000
Typical annual premium
Target States
44 states (primarily Midwest, Southeast, Mid-Atlantic)
Key Features
- BOP for non-clinical healthcare offices and administrative operations
- Workers' comp for medical office clerical staff
- Property coverage for medical office buildings
- Can cover medical billing, coding, and health IT companies
Limitations
- No medical malpractice or professional liability for practitioners
- Clinical practices with patient treatment are excluded
- Pharmacies, labs, and surgical centers need specialty markets
- Geographic limitations – not available in 6 states
Compare Other Carriers for Healthcare Offices
Progressive CommercialLimited
$2,000-$8,000
TravelersStandard
$5,000-$30,000
CNAPreferred
$6,000-$40,000
HiscoxPreferred
$800-$6,000
ERGO NEXT InsuranceLimited
$800-$4,000
The HartfordPreferred
$3,000-$25,000
EMPLOYERS HoldingsPreferred
$1,500-$10,000
AcuityStandard
$3,000-$15,000
Erie InsuranceStandard
$3,000-$15,000
biBERKPreferred
$2,000-$12,000
AmTrust Financial ServicesPreferred
$2,000-$15,000
BTISStandard
$2,000-$12,000
Pie InsurancePreferred
$1,500-$10,000
NationwideLimited
$2,000-$10,000
Liberty MutualLimited
$2,500-$12,000
ChubbStandard
$4,000-$25,000
Hanover InsuranceLimited
$2,000-$10,000
Auto-Owners InsuranceLimited
$1,800-$9,000