Commercial insurance for small and medium-sized businesses and excess and surplus lines represents 83% 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: Contractors, Community and Public Services, Manufacturers and Mercantile, and Bonds.
Selective also offers alternative market and affinity insurance programs through Selective Risk Managers, providing creative solutions for agents and commercial customers, including group insurance, large deductible and other risk-sharing mechanisms.
Personal insurance represents 17% 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 Operations, a servicing carrier for the National Flood Insurance Program, provides flood insurance and claim service to homeowners and commercial customers in all 50 U.S. states.