Commercial insurance for small and medium-sized businesses, light industry, and public entities represents 82% of the company's insurance operations. Customer-focused Strategic Business Units (SBUs) work closely with agents and field underwriters to identify new business opportunities and develop and market products. The SBUs include: Mercantile and Service, Contractors, Community and Public Services, Manufacturing, and Bonds.

Selective also offers alternative market and affinity insurance programs through Selective Risk Managers, providing creative solutions for agents and commercial insureds, including group insurance, large deductible and other risk-sharing mechanisms.

Personal insurance represents 18% of the company's insurance operations. Selective offers a full range of personal insurance products to families and individuals, including automobile, homeowners and personal umbrella.

Flood Services, a servicing carrier of the National Flood Insurance Program, provides flood insurance and claim service to homeowners and commercial customers in all 50 U.S. states.