# Selective Insurance

> Selective Insurance Group is a publicly traded U.S. property and casualty insurance holding company that distributes commercial, personal, excess and surplus, and flood insurance through independent agents. Its operating model combines local underwriting and claims relationships with digital policy services and risk prevention tools.

- **Founded:** 1926
- **Headquarters:** Short Hills, United States
- **Founders:** Daniel L.B. Smith (Founder; president from 1936)
- **Products:** Standard Commercial Lines, Standard Personal Lines, Excess and Surplus Lines, Flood Insurance, MySelective
- **Notable:** Reached $1 billion in net premiums written in 2002., 2025 net premiums written were approximately $4.9 billion., 2025 GAAP combined ratio improved to 97.2% from 103.0% in 2024.

## Products & services

- **Standard Commercial Lines** — Business property, general liability, commercial auto, workers compensation, cyber and other coverages for businesses and organizations.
- **Standard Personal Lines** — Home, auto, renters, condominium and umbrella insurance, subject to market availability.
- **Excess and Surplus Lines** — Specialty commercial coverage through Mesa Underwriters Specialty Insurance Company (MUSIC).
- **Flood Insurance** — NFIP Write Your Own flood insurance, plus access to excess flood options.
- **MySelective** — Online and mobile policy management, bill payment, claims reporting and certificates of insurance; feature restrictions apply.
- **Risk Management Center** — On-demand risk prevention resources for Standard Commercial Lines customers.
- **TuMeke Ergonomics** — AI-assisted ergonomic assessments available at no additional cost to eligible business customers with workers compensation coverage.

## Achievements

- Reached $1 billion in net premiums written in 2002.
- 2025 net premiums written were approximately $4.9 billion.
- 2025 GAAP combined ratio improved to 97.2% from 103.0% in 2024.
- Insurance subsidiaries rated A+ (Superior) by AM Best, as reported in October 2026 company materials.
- Celebrates its centennial in 2026.

## Latest updates

- **2026-10** — Named Vaibhav Kalia executive vice president and chief investment officer, effective October 6, after serving as interim CIO since June.
- **2026-09** — Announced Wole Coaxum as an independent director on September 16.
- **2026-07** — Reported second-quarter combined ratio of 98.0%, net premiums written down 5% year over year, and after-tax net investment income of $119 million.
- **2026-01** — Reported 2025 total revenues of $5.3369 billion and a 97.2% GAAP combined ratio.

## Links

- Website: https://selective.com
- LinkedIn: https://www.linkedin.com/company/selective-insurance
- Twitter/X: https://twitter.com/Selective
- YouTube: https://www.youtube.com/@selectiveinsurance
- Instagram: https://www.instagram.com/selectiveinsurance/
- Facebook: https://www.facebook.com/Selective

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Profile page: https://yespress.io/selective-insurance
Published by YesPress — https://yespress.io
Last updated: 2026-10-22