Selective Insurance Group is a property and casualty insurance holding company that serves commercial and personal customers across the United States through a network of independent agents, wholesale brokers, and specialty distribution channels. The company operates through four segments: Standard Commercial Lines (which provides commercial property, liability, workers compensation, and other coverage to businesses and nonprofits in 36 states), Standard Personal Lines (offering homeowners, auto, and flood insurance to individuals), Excess and Surplus Lines (serving high-risk commercial customers in all states), and an Investments segment managing the company's investment portfolio. Revenue is generated from underwriting income on premiums written, net investment income from fixed income and equity securities, and gains or losses from investment securities, with profitability measured by combined ratios below 100%.