-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
 MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen
 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 NxOa2lUF4bM1d9r5gjqEyF27Tu163NPosSfi/g6oC+YPPNaawj5zDhxHlWvhiJIL
 6dHYH4VNCCCudrxxpHsm8w==

<SEC-DOCUMENT>0001209894-03-000012.txt : 20030715
<SEC-HEADER>0001209894-03-000012.hdr.sgml : 20030715
<ACCEPTANCE-DATETIME>20030715150437
ACCESSION NUMBER:		0001209894-03-000012
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20030714
FILED AS OF DATE:		20030715

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			TIMMEL TIMOTHY L
		CENTRAL INDEX KEY:			0001209894

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-04604
		FILM NUMBER:		03787114

	BUSINESS ADDRESS:	
		STREET 1:		CINCINNATI FINANCIAL CORP
		STREET 2:		PO BOX 145496
		CITY:			CINCINNATI
		STATE:			OH
		ZIP:			45250-5496
		BUSINESS PHONE:		5138702662

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CINCINNATI FINANCIAL CORP
		CENTRAL INDEX KEY:			0000020286
		STANDARD INDUSTRIAL CLASSIFICATION:	FIRE, MARINE & CASUALTY INSURANCE [6331]
		IRS NUMBER:				310746871
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		6200 S GILMORE RD
		CITY:			FAIRFIELD
		STATE:			OH
		ZIP:			45014
		BUSINESS PHONE:		5138702000

	MAIL ADDRESS:	
		STREET 1:		6200 SOUTH GILMORE ROAD
		CITY:			FAIRFIELD
		STATE:			OH
		ZIP:			45014-5141
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>c0001209894d20030715f4f.xml
<DESCRIPTION>PRIMARY DOCUMENT
<TEXT>
<XML>
<ownershipDocument><schemaVersion>X0101</schemaVersion>    <documentType>4</documentType><periodOfReport>2003-07-14</periodOfReport><notSubjectToSection16>0</notSubjectToSection16><issuer><issuerCik>0000020286</issuerCik><issuerName>CINCINNATI FINANCIAL CORP</issuerName>        <issuerTradingSymbol>CINF</issuerTradingSymbol></issuer><reportingOwner><reportingOwnerId><rptOwnerCik>0001209894</rptOwnerCik><rptOwnerName>TIMMEL TIMOTHY L</rptOwnerName></reportingOwnerId><reportingOwnerAddress><rptOwnerStreet1>  </rptOwnerStreet1><rptOwnerStreet2>  </rptOwnerStreet2><rptOwnerCity>  </rptOwnerCity><rptOwnerState>  </rptOwnerState><rptOwnerZipCode>  </rptOwnerZipCode></reportingOwnerAddress><reportingOwnerRelationship><isDirector>0</isDirector><isOfficer>1</isOfficer><isTenPercentOwner>0</isTenPercentOwner><isOther>0</isOther><officerTitle>SR. VICE PRESIDENT</officerTitle><otherText></otherText></reportingOwnerRelationship></reportingOwner><nonDerivativeSecurity><securityTitle><value>Common Stock 401K</value></secur
ityTitle><transactionDate><value>2003-07-14</value></transactionDate><deemedExecutionDate><value>2003-07-14</value></deemedExecutionDate><transactionCoding><transactionFormType>5</transactionFormType><transactionCode>A</transactionCode><equitySwapInvolved>0</equitySwapInvolved><footnoteId id="F1"/></transactionCoding><transactionTimeliness><value></value></transactionTimeliness><transactionAmounts><transactionShares><value>12</value></transactionShares><transactionValue><value>39.41</value></transactionValue><transactionAcquiredDisposedCode><value>A</value></transactionAcquiredDisposedCode></transactionAmounts><postTransactionAmounts><sharesOwnedFollowingTransaction><value>1451</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership><natureOfOwnership><value></value></natureOfOwnership></ownershipNature></nonDerivativeSecurity><derivativeSecurity><securityTitle><value>Phantom Stock</value></securityTitle><conver
sionOrExercisePrice><value>0</value></conversionOrExercisePrice><transactionDate><value>2003-07-14</value></transactionDate><deemedExecutionDate><value>2003-07-14</value></deemedExecutionDate><transactionCoding><transactionFormType>4</transactionFormType><transactionCode>A</transactionCode><equitySwapInvolved>0</equitySwapInvolved><footnoteId id="F2"/></transactionCoding><transactionAmounts><transactionShares><value>38</value></transactionShares><transactionValue><value>39.41</value></transactionValue><transactionAcquiredDisposedCode><value>A</value></transactionAcquiredDisposedCode></transactionAmounts><exerciseDate><value>1988-08-08</value></exerciseDate><expirationDate><value>1988-08-08</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>Common Stock</value></underlyingSecurityTitle><underlyingSecurityShares><value>38</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>194</value></sharesOwnedFollowingTransaction></
postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership><natureOfOwnership><value></value></natureOfOwnership></ownershipNature></derivativeSecurity><footnotes><footnote id="F1">ADD 401K SHARES</footnote><footnote id="F2">CFC stock equivalent units were accrued under the Cincinnati Financial Corporation's non-qualified deferred compensation plan (Top Hat Plan).</footnote></footnotes><ownerSignature><signatureName>TIMOTHY L TIMMEL</signatureName><signatureDate>2003-07-15</signatureDate></ownerSignature></ownershipDocument>

</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
-----END PRIVACY-ENHANCED MESSAGE-----