Here are the 10-K annual reports from Selective Insurance Group, Inc. (SIGIP) in our archive since June 2025, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-K covers the audited annual report, with the full financial statements, so if you follow SIGIP and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full SIGIP filings page.
Selective Insurance Group, Inc. files its annual report describing a U.S.-focused property and casualty franchise built around independent agents and four segments: Standard Commercial Lines, Standard Personal Lines, E&S Lines, and Investments. Commercial Lines generated 71% of 2025 total revenues and 79% of net premiums written, with an average premium per policyholder of about $20,600, while E&S Lines contributed 11% of revenues.
The company highlights Best, S&P, Moody’s, and Fitch ratings that support its underwriting and funding profile, and emphasizes non‑GAAP operating income and combined ratio as key performance metrics, targeting a 12% non‑GAAP operating ROE over time. It details an empowered, regionally based underwriting model, heavy use of technology and AI, and expanding digital tools like the MySelective app, used by 59% of customers.
The report also describes extensive risk governance, including enterprise risk management, reinsurance programs, catastrophe modeling, and regulatory capital monitoring. Climate change, cybersecurity, and other emerging risks are framed as key focus areas, alongside human‑capital initiatives for its roughly 2,800 employees and ongoing efforts to reduce greenhouse gas emissions.