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Selective Insurance

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  • AM Best A+
  • Affirmed 2021
  • Est. 1926
Selective logo
Carrier Selective
AM Best A+
Established 1926

About Selective

Selective Insurance is a respected insurance company offering a range of personal and commercial insurance solutions. With coverage options that may include business insurance, commercial auto insurance, workers compensation, general liability insurance, homeowners insurance, flood insurance, and personal auto insurance, Selective helps customers protect their property, vehicles, employees, and financial future.

For individuals and business owners comparing insurance providers, Selective Insurance is known for providing coverage through independent insurance agents who can help match customers with the right policy options. Businesses can explore commercial insurance solutions designed for industries such as construction, retail, professional services, hospitality, and property management, while individuals can review personal insurance coverage for homes, vehicles, and flood protection.

At Springer Insurance, our agents help clients review Selective Insurance options and understand which coverage may best fit their needs. Whether you are looking for a business insurance quote, commercial auto policy, homeowners insurance, flood insurance, personal auto insurance, or a customized insurance package, Springer Insurance can help make the process simple and straightforward.

Insurance Products Offered

Company History

Selective has maintained a financial strength rating of A or better by A.M. Best Rating Services for more than 90 years. This rating demonstrates the financial stability of the organization that is so important to our customers, distribution partners, and shareholders. In late 2021, A.M. Best upgraded our financial strength rating to A+, reflecting our consistently superior operating performance and solid financial position. We have a strong capital base with $3 billion of equity and a prudent debt-to-capital ratio of 14.6% as of year-end 2023. As of year-end 2023, Selective maintained an $8.7 billion investment portfolio with a conservative fixed income securities and short-term investments average rating of AA- . We also target a low-hazard business mix, protect our balance sheet with a conservative reinsurance program, and maintain prudent reserving practices.

Financial Strength

AM Best Rating: A+, affirmed 2021.

Selective Insurance is a super-regional property and casualty insurance company with a long history of superior operating execution and financial strength. Selective employs a unique operating model, with a strong focus on servicing our franchise distribution partners and customers through a local presence and technology-driven solutions. In 2023, we celebrated our 97th year in business, ranking as the 37th largest property and casualty insurance group in the United States based on 2022 net premiums written in A.M. Best's annual list of 'Top 200 U.S. Property/Casualty Writers'. Our business is comprised of Standard Commercial Lines, Standard Personal Lines, and Excess & Surplus Lines, which accounted for 79%, 10%, and 11% of total 2023 net premiums written, respectively.

Why Choose Selective

Strong regional and commercial insurance carrier; good fit for business insurance, flood insurance, and personal insurance needs; independent agency focused; known for service and underwriting expertise.
Insurance Terms to Know

Emergency Medical Evacuation

Emergency medical evacuation covers medically necessary transportation to an appropriate medical facility or back home after serious illness or injury while traveling.

See Definition
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