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    Mei Yao • KBW

    Mei Yao's questions to Cincinnati Financial Corp (CINF) leadership

    Mei Yao's questions to Cincinnati Financial Corp (CINF) leadership • Q2 2025

    Question

    Jean, on behalf of Mei Yao of KBW, asked if there have been any observable shifts in loss trends during the recent period. She also inquired about the relative growth prospects between property and casualty lines, given the softening in property rates and acceleration in casualty rates.

    Answer

    President & CEO Stephen Spray stated that the company has not observed any significant change in loss trends, up or down, during the quarter. He explained that while the large-property market is softening, CINF's core small-to-middle market package business still sees healthy rates due to factors like severe convective storms. He emphasized that the company remains a package writer and sees healthy rates across its business mix.

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    Mei Yao's questions to Cincinnati Financial Corp (CINF) leadership • Q2 2025

    Question

    An analyst on behalf of Mei Yao at KBW asked about any observed shifts in loss trends during the quarter and the company's view on the relative growth prospects between property and casualty lines amid changing rate environments.

    Answer

    President & CEO Stephen Spray stated there were no notable changes in loss trends to report for the quarter. He emphasized that as a package writer, Cincinnati Financial still sees healthy rates in its small to middle market property book despite softening in the large-account space, while social inflation continues to support necessary rate increases in casualty lines.

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