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Selective Insurance Group SIGI General liability — IBNR

Other product segments

Commercial automobile
$435.03M+19.4%
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%

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Reserves
$366M+8.6%

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 general liability — IBNR?
Selective Insurance Group (SIGI) reported general liability — IBNR of $769.16M in Q4 2025.
How has Selective Insurance Group's general liability — IBNR changed year-over-year?
Selective Insurance Group's general liability — IBNR increased by 23.9% year-over-year, from $620.83M to $769.16M.
What does general liability — IBNR mean?
IBNR (Incurred But Not Reported) represents the estimated liability for claims that have occurred but have not yet been formally reported to the insurer. This actuarial estimate is essential for ensuring that the company maintains sufficient capital to cover future obligations. A robust IBNR calculation is a key indicator of prudent financial management and long-term solvency.