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                                 UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                    FORM 8-K

                                 CURRENT REPORT
     Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported)      November 15, 2004

                        CINCINNATI FINANCIAL CORPORATION
- --------------------------------------------------------------------------------
             (Exact name of registrant as specified in its charter)

         Ohio                         0-4604                     31-0746871
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(State or other jurisdiction       (Commission               (I.R.S. Employer
    of incorporation)              File Number)             Identification No.)

 6200 S. Gilmore Road, Fairfield, Ohio                          45014-5141
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(Address of principal executive offices)                       (Zip Code)

Registrant's telephone number, including area code   (513) 870-2000

- --------------------------------------------------------------------------------
         (Former name or former address, if changed since last report.)

Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions:

|_|   Written communications pursuant to Rule 425 under the Securities Act (17
      CFR 230.425)

|_|   Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR
      240.14a-12)

|_|   Pre-commencement communications pursuant to Rule 14d-2(b) under the
      Exchange Act (17 CFR 240.14d-2(b))

|_|   Pre-commencement communications pursuant to Rule 13e-4(c) under the
      Exchange Act (17 CFR 240.13a-4(c))



Item 7.01 Regulation FD Disclosure.

On November 15, 2004, Cincinnati Financial Corporation issued the attached news
release "Cincinnati Financial Corporation Declares Regular Quarterly Cash
Dividend." The news release is furnished as Exhibit 99.1 hereto and is
incorporated herein by reference. This report should not be deemed an admission
as to the materiality of any information contained in the news release.
The information furnished in this report shall not be deemed "filed" for
purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or
otherwise subject to the liabilities of that Section, nor shall such information
be deemed incorporated by reference in any filing under the Securities Act of
1933, as amended.

Item 9.01 Financial Statements and Exhibits.

(c) Exhibits

      Exhibit 99.1 - News release dated November 15, 2004, titled "Cincinnati
      Financial Corporation Declares Regular Quarterly Cash Dividend."



                                    Signature

      Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.

                                       CINCINNATI FINANCIAL CORPORATION

Date November 15, 2004
                                       /s/ Kenneth W. Stecher
                                       ----------------------
                                       Kenneth W. Stecher
                                       Chief Financial Officer, Senior Vice
                                       President, Secretary and Treasurer
                                       (Principal Accounting Officer)

                                                                    Exhibit 99.1

    Cincinnati Financial Corporation Declares Regular Quarterly Cash Dividend

    CINCINNATI, Nov. 15 /PRNewswire-FirstCall/ -- Cincinnati Financial
Corporation (Nasdaq: CINF) today announced that at its regular meeting on
November 12, 2004, the board of directors declared a 27.5 cents per share
regular quarterly cash dividend payable January 14, 2005, to shareholders of
record on December 22, 2004. The indicated annual dividend is $1.10 per share.
    Chairman and Chief Executive Officer John J. Schiff, Jr., CPCU commented,
"Cincinnati Financial's insurance and investment operations are structured to
perform predictably and consistently over the long term, benefiting agents,
policyholders, shareholders and associates. The board believes in rewarding
shareholders who support this approach and the strong results it creates."
    Cincinnati Financial Corporation offers property and casualty insurance,
its main business, through The Cincinnati Insurance Company, The Cincinnati
Indemnity Company and The Cincinnati Casualty Company. The Cincinnati Life
Insurance Company markets life and disability income insurance and annuities.
CFC Investment Company supports the insurance subsidiaries and their
independent agent representatives through commercial leasing and financing
activities. CinFin Capital Management Company provides asset management
services to institutions, corporations and individuals. For additional
information, please visit the company's Web site at http://www.cinfin.com .

SOURCE  Cincinnati Financial Corporation
    -0-                             11/15/2004
    /CONTACT:  Investors, Heather J. Wietzel, +1-513-603-5950, or Media, Joan
O. Shevchik, +1-513-603-5323, both of Cincinnati Financial Corporation/
    /Web site: http://www.cinfin.com /
    (CINF)

CO:  Cincinnati Financial Corporation
ST:  Ohio
IN:  FIN INS
SU:  DIV