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Selective Insurance Group SIGI Commercial automobile — IBNR

Other product segments

General liability
$769.16M+23.9%
Casualty lines
$226.94M+36.3%
Workers Compensation
$124.79M+15.6%
Personal automobile
$63.52M+19.9%
Commercial property
$53.81M-16.7%
Businessowners’ policies
$37.75M+18.5%
Homeowners
$25.31M+8.3%

Similar metrics at other companies

CNA Financial logo
CNACommercial Auto — IBNR
108,500,000,000%+26,500,000,000pp
Lemonade logo
LMNDCar — IBNR
$40.5M+0.7%
Lemonade logo
LMNDProperty Insurance — IBNR
$64.6M+15.8%
CNA Financial logo
CNAGeneral Liability — IBNR
341,000,000,000%+19,500,000,000pp
The Hartford Financial Services Group logo
HIGCommercial automobile physical damage — IBNR
Reserves
$7M-12.5%
The Travelers Companies logo
TRVAutomobile — IBNR Reserves Dec. 31, 2025 (Audited)
322,200,000,000%+16,800,000,000pp

Other financials

Income statement

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Revenue$1.4B+5.7%
Net income$97.7M-11.1%
EPS (diluted)$1.58-10.2%

Balance sheet

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Cash & equivalents$176.0K+41.9%
Total debt$904.3M-0.5%
Total equity$3.6B+10.1%
Total assets$15.3B+7.9%

Cash flow

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Operating cash flow$221.4M-22.0%
CapEx$10.9M-16.0%
Free cash flow$210.5M-22.3%

Valuation

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Market cap$5.53B-18.9%

Profitability

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Net margin8.4%+3.7pp
FCF margin21%-3.8pp

Returns & leverage

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Return on equity13.3%+5.8pp
Debt / equity0.3×0.0×

Where this comes from

Reported directly by Selective Insurance Group in its filing.

Tagged under the XBRL concept us-gaap:ShortdurationInsuranceContractsIncurredButNotReportedIbnrClaimsLiabilityNet.

The official record: Selective Insurance Group’s 10-K, filed February 9, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Selective Insurance Group's commercial automobile — IBNR?
Selective Insurance Group (SIGI) reported commercial automobile — IBNR of $435.03M in Q4 2025.
How has Selective Insurance Group's commercial automobile — IBNR changed year-over-year?
Selective Insurance Group's commercial automobile — IBNR increased by 19.4% year-over-year, from $364.44M to $435.03M.
What does commercial automobile — IBNR mean?
This metric represents the estimated liability for claims that have occurred but have not yet been reported to the insurer. It is a fundamental actuarial reserve component that accounts for the time lag between loss events and claim notifications. Accurate IBNR estimation is essential for maintaining solvency and ensuring that future claim obligations are adequately funded.