Selective Insurance Group Inc

Selective Insurance Group, Inc. (SIGI) is a US-based property & casualty insurer that focuses on niche commercial lines and select personal lines distributed primarily through independent agents and brokers. The company targets small-to-medium commercial risks such as contractors, habitational and mercantile businesses, aiming to combine disciplined underwriting with targeted product offerings. Key value drivers for investors include underwriting margins, reserve development, catastrophe losses and investment income from a fixed-income portfolio. With a market capitalisation near $5.11bn, SIGI sits in the mid-cap insurer space where execution and pricing power can materially affect returns. Strengths can include established agent relationships and a focused regional footprint; risks include exposure to severe weather events, claim-cost inflation and competitive pricing. Shares can be volatile and dividends are dependent on operating results and capital needs. This is general educational information and not personalised investment advice — suitability depends on your goals, timeframe and risk tolerance.