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Selective Insurance Group SIGI Standard Commercial Lines — Loss and loss expense incurred

Other segment segments

E&S Lines
$95.01M+9.0%
Standard Personal Lines
$69M-1.4%
Investments
$0

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Other financials

Income statement

See full
Revenue$1.4B+4.5%
Net income$129.4M+50.5%
EPS (diluted)$2.11+55.1%

Balance sheet

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Cash & equivalents$557.0K+56.0%
Total debt$903.2M-0.5%
Total equity$3.7B+8.7%
Total assets$15.6B+7.9%

Cash flow

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Operating cash flow$229.0M+37.2%
CapEx$14.1M+94.6%
Free cash flow$214.9M+34.6%

Valuation

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Market cap$5.77B+19.9%
Enterprise value$6.67B+16.6%
P/E11.6×-1.0×
P/S1.1×+0.1×

Profitability

See full
Net margin9.1%+1.6pp
FCF margin21.7%-0.4pp

Returns & leverage

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Return on equity14.2%+2.0pp
Debt / equity0.2×0.0×

Where this comes from

Reported directly by Selective Insurance Group in its filing.

Tagged under the XBRL concept us-gaap:PolicyholderBenefitsAndClaimsIncurredNet.

The source filing: Selective Insurance Group’s 10-Q, filed July 24, 2026.

Filed
Jul 24, 2026, 2:18 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0000230557-26-000020
Quarter Ended June 30, 2026Standard Commercial LinesStandard Personal LinesE&S LinesTotal Insurance OperationsInvestmentsTotal Reportable Segments
Non-catastrophe property loss and loss expense122,89431,19516,409170,498170,498
(Favorable)/unfavorable prior year casualty reserve development
Current year casualty loss costs480,68925,87270,668577,229577,229
Total loss and loss expense incurred652,24969,00495,013816,266816,266
Net underwriting expenses incurred:
Commissions to distribution partners171,8775,46535,612212,954212,954
Salaries and employee benefits81,85710,2969,220101,373101,373
Other segment expenses48,3668,4463,22460,03660,036

ITEM 1. FINANCIAL STATEMENTS.

FAQ

What is Selective Insurance Group's standard commercial lines — loss and loss expense incurred?
Selective Insurance Group (SIGI) reported standard commercial lines — loss and loss expense incurred of $652.25M in Q2 2026.
How has Selective Insurance Group's standard commercial lines — loss and loss expense incurred changed year-over-year?
Selective Insurance Group's standard commercial lines — loss and loss expense incurred decreased by 2.2% year-over-year, from $666.77M to $652.25M.
What is the long-term trend for Selective Insurance Group's standard commercial lines — loss and loss expense incurred?
Over 3 years (2022 to 2025), Selective Insurance Group's standard commercial lines — loss and loss expense incurred has grown at a 14.0% compound annual growth rate (CAGR), from $1.68B to $2.49B.
What does standard commercial lines — loss and loss expense incurred mean?
This represents the total cost of claims paid and the estimated liability for unpaid claims during a specific period. It is the most significant expense category for an insurer and directly impacts the underwriting margin.

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