Full-Time

No-Fault Litigation Specialist 1

Cincinnati Financial

Cincinnati Financial

1,001-5,000 employees

Underwrites property and casualty insurance.

Compensation Overview

$60k - $95k/yr

+ Annual cash bonus + Stock incentives

Fairfield, OH, USA

In Person

HQ-based candidates will be considered for this role.

Category
Legal & Compliance (1)
Required Skills
Microsoft Office
Excel/Numbers/Sheets

Get referred to Cincinnati Financial

See people who can refer or advise you

Requirements
  • Strong verbal, telephone, and written communication skills.
  • Understanding of key jurisdictional differentiators for commercial and personal auto claims.
  • Demonstrated expertise in coverage analysis.
  • Experience conducting detailed analysis of facts relevant to coverage, compensation, and injuries.
  • Experience with Cincinnati’s coverage forms, policies, and claim procedures.
  • Strong problem-solving, attention to detail, decision-making, time-management, and organizational skills.
  • Ability to maintain professional and respectful relationships with stakeholders.
Responsibilities
  • Provide technical direction and support to medical-pay and personal-injury-protection claims examiners.
  • Develop and implement training programs related to auto medical-pay and personal-injury-protection claims.
  • Participate in coverage analysis for assigned claims.
  • Manage litigation on assigned files.
  • Evaluate exposure and set reserves in excess of $100,000.
  • Investigate and adjust the medical component of first-party auto claims.
  • Work collaboratively with Field Claims associates.
  • Communicate directly with policyholders and other external contacts.
  • Enter information and documentation into the Claims Management System.
  • Review medical records and medical billings, issuing payments as appropriate.
  • Submit required forms and applications accurately and timely.
  • Oversee Medicare filings to ensure compliance with reporting requirements.
Desired Qualifications
  • Working knowledge or experience with Claims Management System.
  • Working knowledge or experience with personal and commercial lines software.
  • Experience with Microsoft Office and Excel.
  • Knowledge of managed care programs.
  • AIC, CPCU, SCLA designations or other relevant education.

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

1,001-5,000

Company Stage

IPO

Headquarters

Fairfield, California

Founded

1950

Get referred to Cincinnati Financial

See people who can refer or advise you

Simplify Jobs

Simplify's Take

What believers are saying

  • Q2 2026 net written premiums grew 3%, with two-thirds from pricing.
  • Investment income rose 12% in Q2 2026, offsetting weaker operating income.
  • The board lifted the dividend to $0.94 in January 2026, extending 66 years.

What critics are saying

  • Q2 2026 catastrophe losses pushed the combined ratio to 100.8%, destroying underwriting profit.
  • California wildfire re-underwriting continues in 2026, but one major event can overwhelm pricing.
  • Softening commercial pricing and rising catastrophe frequency threaten 2027 premium growth and margins.

What makes Cincinnati Financial unique

  • Cincinnati Financial’s independent-agent distribution keeps underwriting local and relationship-driven.
  • Steve Spray’s pricing discipline targets profitability, not market-share chasing, across 2026.
  • Book value reached $108.64 on June 30, 2026, supporting capital flexibility.

Help us improve and share your feedback! Did you find this helpful?

Benefits

Paid Vacation

401(k) Company Match

Stock Options

Hybrid Work Options

Company News

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.

Yahoo Finance
Jul 28th, 2026
Cincinnati Financial Q2 net income hits $1.3B as equity gains offset lower operating income

Cincinnati Financial reported second-quarter 2026 net income of nearly $1.3 billion, boosted by an $882 million after-tax increase in equity securities' fair value. However, non-GAAP operating income fell to $224 million from $311 million year over year. Property-casualty net written premiums grew 3% as the company prioritised pricing discipline in a softening market. The quarterly combined ratio worsened to 100.8%, though the first-half current accident-year ratio before catastrophes remained stable at 87.8%. Investment income increased 12%. The insurer maintained strong capital metrics, including record book value of $108.64 per share and $5.7 billion in parent-company cash and marketable securities. Chief Executive Officer Steve Spray said results reflected continued execution of the company's underwriting strategy, with roughly two-thirds of premium growth coming from pricing and one-third from increased insured exposures.

PR Newswire
Jul 27th, 2026
Cincinnati Financial reports $1.255B Q2 2026 net income, 100.8% combined ratio amid elevated catastrophe losses

Cincinnati Financial Corporation reported second-quarter 2026 net income of $1.255 billion, or $8.05 per share, compared with $685 million, or $4.34 per share, in the same period last year. The increase included an $882 million after-tax gain from equity securities. Non-GAAP operating income decreased to $224 million, or $1.43 per share, from $311 million, or $1.97 per share, in second-quarter 2025. The decline reflected $61 million in higher catastrophe losses. Book value per share reached $108.64 at 30 June 2026, up $6.29 since year-end. The company's value creation ratio was 8.0% for the first six months. The property casualty combined ratio increased to 100.8% from 94.9% in second-quarter 2025, driven by elevated catastrophe losses, particularly in Ohio. Net written premiums grew 3% in the quarter.

Yahoo Finance
Jul 5th, 2026
Cincinnati Financial raises dividend to $0.94 despite Russell 1000 removal and climate risk

Cincinnati Financial was removed from the Russell 1000 Dynamic Index despite posting 11.4% year-on-year revenue growth. The company raised its quarterly dividend to $0.94, extending a 65-year streak of increases. First-quarter 2026 net income rebounded to $274 million after last year's wildfire-driven loss. The insurer continues to balance capital returns through dividends and share buybacks against sector-wide pressures from climate-related catastrophe losses and rising litigation costs. Cincinnati Financial's narrative projects $12.9 billion revenue and $954.8 million earnings by 2029. This implies roughly flat yearly revenue growth and a $1.8 billion earnings decrease from current levels of $2.8 billion. Community fair value estimates range from $149 to $182 per share, reflecting varied investor assessments of the company's performance potential amid increasing catastrophe and weather-related claims.

Law360
Jun 11th, 2026
Insurer sues to avoid covering KC Super Bowl rally shooting.

Insurer sues to avoid covering KC Super Bowl rally shooting. By Mike Curley ( June 11, 2026, 6:34 PM EDT) - The Cincinnati Specialty Underwriters Insurance Co. sued Kansas City, Missouri, and others in Missouri federal court, claiming Thursday that they are not entitled to indemnity for suits over the mass shooting at the February 2024 rally celebrating the Chiefs' Super Bowl win... Law360 is on it, so you are, too. A Law360 subscription puts you at the center of fast-moving legal issues, trends and developments so you can act with speed and confidence. Over 200 articles are published daily across more than 60 topics, industries, practice areas and jurisdictions. A Law360 subscription includes features such as * Daily newsletters * Expert analysis * Mobile app * Advanced search * Judge information * Real-time alerts * 450K+ searchable archived articles Experience Law360 today with a free 7-day trial. Attached documents. Related sections. Case information. Case title. Case number. Court. Nature of suit. Judge. Date filed. Law firms. Government agencies. This past year, 10 lawyers across the country at plaintiffs' firms big and small helped secure millions of dollars in settlements and verdicts for their clients, going up against powerful defendants like Google, Monsanto and the Trump administration, earning the attorneys recognition as Law360's Titans of the Plaintiffs Bar for 2026.