Cincinnati Financial

Cincinnati Financial

Underwrites property and casualty insurance.

Personal Lines Marketing Representative

Full-Time
$75k - $140k/yr

+ Annual cash bonus + Stock incentives

Mid
Bachelor's
Chicago, IL, USA
In Person

Must reside within the assigned Illinois territory, preferably the Chicagoland area.

About the job

Requirements
  • A bachelor's degree or equivalent experience.
  • Ability to build and maintain positive relationships with agency personnel, field associates, and customers.
  • Strong customer service and communication skills.
  • Sound judgment and decision-making skills, with the ability to analyze information and determine appropriate next steps.
  • Ability to prioritize and manage multiple tasks in a fast-paced, high-volume environment.
  • Strong attention to detail and a commitment to accuracy.
  • Critical thinking and problem-solving skills.
  • Ability to work independently while contributing to a collaborative team environment.
  • Flexibility and adaptability to changing priorities, processes, and business needs.
  • Ability to interpret written, verbal, and process-based instructions using sound judgment.
  • A strong sense of urgency and commitment to meeting productivity and performance goals.
  • Proficiency in navigating web-based applications and conducting online research.
Responsibilities
  • Direct regional marketing plans, strategies, and tactics to achieve agency goals, including increasing profitability, motivating agents, and effectively managing expenses.
  • Develop agency relationships that foster long-term partnerships to maintain and drive profitability.
  • Review the territory to drive new, profitable business growth and identify under-performing agencies.
  • Understand and effectively leverage agency business opportunities, needs, and performance objectives.
  • Assist with the training and onboarding of new agents and customer support representatives, including learning the personal lines processing and policy issuance system.
  • Work with underwriting to address agency issues, including profitability, retention, and matters related to agency personnel.
  • Develop working relationships with other Cincinnati Insurance associates to enhance the servicing of personal lines business.
  • Assume accountability for all aspects of agency management, including training, agency reviews, and new business assessment plans.
  • Travel overnight on a monthly basis.
Desired Qualifications
  • Three or more years of personal lines insurance experience.

About the company

Cincinnati Financial provides property and casualty insurance through The Cincinnati Insurance Companies, distributed by independent agents to reach a broad market. It offers personal lines (homeowners, auto, personal liability) and commercial lines (general liability, property, casualty), plus life insurance, disability income, and annuities through Cincinnati Life. The products work by underwriting policies and investing premiums to generate income; customers pay premiums and receive coverage when incidents occur, while the company earns returns on its investment portfolio. The independent-agent distribution and multi-line product mix help it serve individuals and businesses across a wide range of needs, differentiating it from peers that rely on direct sales or narrower lines. The goal is to provide steady protection and financial security to clients while growing through prudent underwriting and investment management.

Company Size

5,001-10,000

Company Stage

IPO

Headquarters

Fairfield, Ohio

Founded

1950

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Simplify's Take

What believers are saying

  • Q2 2026 net written premiums grew 3%, despite softer market conditions.
  • First-half 2026 book value per share hit $108.64, a record.
  • Management appointed 108 agencies in Q1 2026 and expanded excess-and-surplus products.

What critics are saying

  • July 2026 storms pushed Q2 combined ratio to 100.8%, with Ohio driving losses.
  • California wildfire re-underwriting remains underway, threatening personal-lines growth and retention through 2026.
  • Another catastrophe-heavy year plus equity losses would crush book value and dividends by 2027.

What makes Cincinnati Financial unique

  • Cincinnati sells through 2,000-plus independent agencies, preserving local relationships and selective underwriting.
  • Management prices each policy individually, rejecting volume-chasing in a softening market.
  • Sixty-six consecutive annual dividend increases signal capital discipline and conservative balance-sheet management.

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Benefits

Paid Vacation

401(k) Company Match

Stock Options

Hybrid Work Options

Company News

Insurance Journal
Sep 2nd, 2026
People moves: Cincinnati Insurance chief claims officer Schambow to retire, mcmillan to assume responsibilities.

People moves: Cincinnati Insurance chief claims officer Schambow to retire, mcmillan to assume responsibilities. September 2, 2026 Cincinnati Financial Corporation announced that Marc J. Schambow, CPCU, AIM, ASLI, chief claims officer for its property casualty subsidiaries, led by The Cincinnati Insurance Company, will retire in January 2027. Schambow has served as Cincinnati's top claims officer since 2020, capping a nearly 40-year career with the company. After serving agents and policyholders as a field claims representative in Wisconsin for nearly a decade, he moved to Ohio as a casualty claims supervisor in 1997. Schambow became the first claims manager for The Cincinnati Specialty Underwriters Insurance Company in 2007 and transitioned to lead the field claims team in 2014. Todd V. McMillan, J.D., will assume executive responsibility for the headquarters and field claims teams upon Schambow's retirement. McMillan is an industry veteran with nearly 30 years of experience, most recently serving as corporate senior vice president, head of liability claims for Safety National Casualty Corporation. McMillan started his career in private practice and then as staff counsel for GEICO before joining The Hartford in 2003 where he held a variety of claims leadership roles of increasing responsibility. As part of this transition, executive oversight of the company's claims operations will transition to Thomas C. Hogan, Esq., chief legal officer. Was this article valuable? Interested in claims? Get automatic alerts for this topic.

INSURASALES
Aug 31st, 2026
INSURASALES

Manufacturer Life Insurance's $14.41M investment in Cincinnati Financial showcases institutional confidence and investment trends in the insurance sector.

Yahoo Finance
Aug 28th, 2026
Cincinnati Financial extends 66-year dividend streak with 8% hike to $0.94 per share

Cincinnati Financial Corporation raised its quarterly dividend to $0.94 per share from $0.87, marking an 8% increase and extending its dividend-growth streak to 66 consecutive years. The annualised dividend now stands at $3.76 per share, up from $3.48. The company reported $32.0 billion in total investments as of 31 March 2026, with a debt-to-total-capital ratio of 4.9%. First-quarter cash dividends totalled $133 million against net income of $274 million. However, the insurer's first-quarter GAAP combined ratio reached 95.6%, with catastrophe losses accounting for 11.3 percentage points. Management stated the increase reflected confidence in the company's capital, liquidity and financial flexibility.

Yahoo Finance
Aug 25th, 2026
Cincinnati Financial misses Q2 revenue estimates, shares fall 7.2%

Essent Group topped Q2 earnings among 32 property and casualty insurance stocks tracked, reporting revenues of $362.7 million, up 13.6% year on year and beating analyst expectations by 9.7%. The company also exceeded EPS estimates. Cincinnati Financial posted revenues of $2.97 billion, up 6.9% year on year, but missed analyst expectations by 1.2%. The insurer also fell short on EPS and net premiums earned estimates. Its shares dropped 7.2% following the results and currently trade at $170.95. The sector reported satisfactory Q2 results overall, with revenues beating consensus estimates by 2.3%. Share prices across the group have held relatively steady since earnings announcements. Property and casualty insurers face headwinds from climate-related catastrophe losses and rising litigation costs.

Yahoo Finance
Aug 3rd, 2026
Cincinnati Financial misses Q2 revenue and profit targets amid elevated catastrophe losses

Cincinnati Financial missed Wall Street expectations in its second quarter, with revenue of $2.97 billion falling short of the $3.00 billion estimate and adjusted earnings per share of $1.43 missing the $1.82 forecast by 21.3%. CEO Steve Spray attributed the results to modestly elevated catastrophe losses and pricing discipline. Operating margin improved to 53.1%, up from 30.8% in the prior year period. During the earnings call, analysts probed management on large commercial losses, commission structures amid market softening, and personal lines re-underwriting following catastrophe events. Management emphasised that loss volatility remained within expectations and that agent compensation structures would stay unchanged, focusing on profitability over aggressive expansion. The company is continuing its re-underwriting process, particularly in California after recent wildfires.