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Selective Insurance Group SIGI Commercial property — IBNR

Other product segments

General liability
$769.16M+23.9%
Commercial automobile
$435.03M+19.4%
Casualty lines
$226.94M+36.3%
Workers Compensation
$124.79M+15.6%
Personal automobile
$63.52M+19.9%
Businessowners’ policies
$37.75M+18.5%
Homeowners
$25.31M+8.3%

Similar metrics at other companies

Lemonade logo
LMNDProperty Insurance — IBNR
$64.6M+15.8%
RenaissanceRe Holdings logo
RNRProperty — IBNR
$2.04B-44.9%
CNA Financial logo
CNACommercial Auto — IBNR
108,500,000,000%+26,500,000,000pp
CNA Financial logo
CNAGeneral Liability — IBNR
341,000,000,000%+19,500,000,000pp
Lemonade logo
LMNDProperty Insurance — IBNR, net of reinsurance (less than)
$100K
CNA Financial logo
CNAInternational — IBNR
$1.91B

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 property — IBNR?
Selective Insurance Group (SIGI) reported commercial property — IBNR of $53.81M in Q4 2025.
How has Selective Insurance Group's commercial property — IBNR changed year-over-year?
Selective Insurance Group's commercial property — IBNR decreased by 16.7% year-over-year, from $64.63M to $53.81M.
What does commercial property — IBNR mean?
This metric represents the estimated liability for claims that have occurred but have not yet been reported to the insurer by the end of the reporting period. It is a critical actuarial reserve that ensures the company maintains sufficient capital to cover future claim obligations. Accurate IBNR estimation is essential for maintaining financial stability and regulatory compliance.