Better Health for All

The company's core business, property and casualty insurance, delivers substantial health benefits by providing coverage tailored to social service organizations, including those offering mental health, substance abuse counseling, rehabilitation services, and services for individuals with cognitive disabilities.

It also offers risk mitigation solutions, safety management evaluations (approximately 12,000 annually), and proactive communications like product recalls and weather alerts to prevent losses. The company does not underwrite specific environmentally hazardous classes of business, such as coal mines or thermal coal plants, nor does it make new direct debt or equity investments in thermal coal enterprises generating 30% or more of revenue or electricity from thermal coal. It offers flexible payment options and premium rebates to customers, and insures social service organizations, schools, churches, and agencies providing services for developmentally disabled, senior citizens, and other special needs populations. It also provides access to abuse prevention expertise and training, with 44 employees holding Praesidium Guardian Certification.

Fair Pay & Worker Respect

In 2024, the CEO-to-median employee pay ratio was 46:1.

The company's employee engagement survey reported an overall rating of 4.1 out of 5.0 (82%), with an 81% participation rate. The employee turnover rate was approximately 10% in 2024, a decrease from 11% in 2023. The company provides a comprehensive benefits program, including medical, prescription drug, dental, and vision plan options, as well as an Employee Assistance Program, to its approximately 2,800 employees.

Honest & Fair Business

Selective Insurance Group was fined $230,000 by the New York State Department of Financial Services in 2024 for failing to report vehicle registration information to the DMV within required timeframes.

The company has an Ethics and Compliance Helpline, available 24/7, maintained by an independent third party, allowing confidential and anonymous reporting with a 15-digit code to track status. All reported Code of Conduct violations are logged in a database and tracked until resolution, and the policy includes protection against retaliation. The company revised its 2022 and 2023 Scope 2 data to capture corrected information. Selective has robust ethics and anti-corruption policies, with all employees annually acknowledging and participating in training on the Code of Conduct. The company engages a third-party multinational engineering firm for GHG emissions calculations and works with industry-leading security consulting and technology partners for information security, including initial and ongoing security assessments for third-party vendors.

Kind to Animals

Selective Insurance Group, Inc. is a service-oriented company providing property and casualty insurance.

Its core business model does not involve manufacturing products, animal testing, animal agriculture, or sourcing animal-derived ingredients. Therefore, KPIs related to cruelty-free certification, alternative testing methods, humane certifications for operations, ethical input substitution, supplier audits for animal welfare, cage-free sourcing, animal testing policies and volume, innovation investment in animal-free technologies, animal agriculture ethics, and animal-free R&D collaboration are not applicable to its operations. While employees volunteered at a zoo to clean around a pelican lake and the company supports the Petfinder Foundation for animal rescue, these activities do not provide measurable biodiversity impact for wildlife conservation or fall under public policy engagement for animal welfare, as defined by the rubric.

No War, No Weapons

The company's core business is property and casualty insurance, which does not involve arms manufacturing, military contracts, or the development of dual-use technologies.

There is no evidence of revenue derived from arms or defense contracts, nor any indication of involvement in dual-use technology development. Given its business model, the company has no exposure to weapons, including controversial or banned categories. All employees acknowledge the Code of Conduct annually and participate in training on its content. The company's 2019-2022 GHG inventory is consistent with the principles and guidance of the WRI and WBCSD's GHG Protocol, but this is not alignment with UN Guiding Principles on Business and Human Rights. Selective has a Code of Conduct that establishes ethical principles for all personnel, with failure to acknowledge policies and complete training resulting in immediate termination of access to information systems.

Planet-Friendly Business

The company's total Scope 1 and 2 emissions were 5,116 metric tons of CO2e in 2024, representing an 18% reduction compared to the 2019 baseline.

The company generates approximately 4.5 to 5 million kWh of solar energy annually at its corporate headquarters but sells the associated renewable energy credits. Waste diversion efforts include recycling approximately 269,000 lbs of co-mingled recyclables annually and eliminating 7,000 lbs of Styrofoam products per year from its cafeteria. The company has embraced the recommendations of the Task Force on Climate-Related Financial Disclosures (TCFD) and published TCFD reports in 2022, 2023, and 2024. It reviews multiple models from various vendors over several time periods to understand catastrophic risk, including perils with different return periods. The company's investment strategy considers climate change risk by prohibiting new direct equity or debt investments in thermal coal enterprises generating 30% or more of their revenue from thermal coal activities, and as of December 31, 2022, carbon-intensive sectors represented less than 4% of total invested assets. This policy also serves as a zero-deforestation policy for thermal coal investments.

Respect for Cultures & Communities

The company has no reported cultural appropriation incidents.

No specific, quantifiable data was provided for any other KPIs related to 'Respect for Cultures & Communities', including formal partnerships with indigenous or local community groups, revenue reinvested in local community development, cultural impact assessment protocols, local employment ratios, grievance mechanisms, community complaint resolution times, FPIC participation rates, community governance inclusion, cultural preservation investment, local procurement share, indigenous supplier count, cultural site protection, social license operations, charitable giving to cultural heritage organizations, community fund allocation, language inclusivity, cultural incident response, or cultural training completion.

Safe & Smart Tech

The company's privacy notice, last updated May 4, 2021, states that users can update their information and opt-out of certain communications, indicating standard user data control.

Multi-factor authentication (MFA) is mentioned as a security measure and as a regulatory requirement in some industries, suggesting standard authentication security. The company also mentions proactive cybersecurity measures, including ethical hacking campaigns and periodic cybersecurity program assessments, as well as the importance of device and software updates, which aligns with standard vulnerability management. Furthermore, the company states compliance with legal requirements, including CCPA, indicating standard regulatory compliance. Employee training programs for privacy and security are mentioned, including testing and awareness programs, and mandatory training on the Code of Conduct, which suggests standard security training effectiveness.

Zero Waste & Sustainable Products

The company has implemented several waste reduction initiatives, including enhanced waste management and recycling, re-purposing commingled recyclables, eliminating Styrofoam products in its cafeteria, reducing the use of paper with distribution partners, recycling and more efficient energy use of electronic equipment, reducing water usage through automatic plumbing features, and converting all corporate headquarters light bulbs to LED.

No specific quantitative data is provided for waste diversion rates, product recyclability, packaging sustainability, recycled content, single-use plastic reduction, take-back programs, circular design principles, hazardous waste management, product durability, repairability scores, waste audit frequency, zero waste certification, waste disposal violations, material efficiency, packaging to product ratio, waste reduction targets, supplier waste requirements, or customer waste education.