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Selective Insurance Group Inc. — q3 2026 earnings release (company IR deck)
Selective Insurance Group Inc. (SIGI) · 7 slides · Filed Oct 22, 2026
Every slide of this earnings presentation, with the text as published. Open the original deck ↗ · All SIGI deck slides
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Slide 7 — Forward-Looking Statements
Forward-Looking Statements Certain statements in this press release, including information incorporated by reference, are “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995 ("PSLRA"). The PSLRA provides a safe harbor for forward-looking statements under the Securities Act of 1933 and the Securities Exchange Act of 1934. Forward-looking statements include our expectations, intentions, beliefs, projections, estimates, or forecasts regarding future events or financial performance. They involve known and unknown risks, uncertainties, and other factors that may cause our actual results, activity levels, or performance to differ materially from those expressed or implied in the forward-looking statements. In some cases, forward-looking statements may be identified by words such as “may,” “will,” “could,” “would,” “should,” “expect,” “plan,” “anticipate,” “believe,” “intend,” “estimate,” “project,” “predict,” “potential,” “pro forma,” “seek,” “target,” “continue,” "outlook," "guidance," "forecast," "goal," "likely," or the negative of such terms or other variations or similar expressions. Our forward-looking statements are only predictions; we cannot guarantee that any stated expectation will occur or prove correct. We undertake no obligation to publicly update or revise any forward-looking statements for any reason, except as may be required by law. Factors that could cause our actual results to differ materially from what we project, forecast, or estimate in forward-looking statements include, without limitation: • Challenging conditions in the economy, global capital markets, the banking sector, and commercial real estate, including prolonged higher inflation, could increase loss costs and negatively impact investment portfolios; • Deterioration in the public debt, public equity, or private investment markets that could lead to investment losses and interest rate fluctuations; • Ratings downgrades on individual securities we own could negatively affect investment values, impacting statutory surplus; • The development and adequacy of our loss reserves and loss expense reserves; • Frequency and severity of catastrophic events, including natural events that climate change may impact, such as hurricanes, severe convective storms, tornadoes, windstorms, earthquakes, hail, severe winter weather, floods, and fires, and man-made events such as criminal and terrorist acts, including cyber-attacks, explosions, and civil unrest; • Adverse market, governmental, regulatory, legal, political, or judicial rulings, conditions or actions, including the impact of social inflation; • The significant geographic concentration of our business in the eastern portion of the United States; • The cost, terms, conditions, and availability of reinsurance; • Our ability to collect on reinsurance and the solvency of our reinsurers; • The impact of changes in U.S. trade policies and imposition of tariffs on imports that may lead to higher than anticipated inflationary trends for our loss and loss expenses; • Geopolitical developments, including ongoing wars and conflicts such as the recent military conflict in the Middle East, which have contributed to volatility in global energy markets, international shipping activity, and financial markets, and may exacerbate inflationary pressures, supply chain disruption, and insurance loss costs; • Uncertainties related to insurance premium rate increases and business retention; • Changes in insurance regulations that impact our ability to write and/or cease writing insurance policies in one or more states; • The effects of data privacy or cyber security laws and regulations on our operations; • Major defect or failure in our internal controls or information technology and application systems that result in marketplace brand damage, increased senior executive focus on crisis and reputational management issues, and/or increased expenses, particularly if we experience a significant privacy breach; • Potential tax or federal financial regulatory reform provisions that could pose certain risks to our operations; • Our ability to maintain favorable financial ratings, which may include sustainability considerations, from rating agencies, including AM Best, Standard & Poor’s, Moody’s, and Fitch; • Our entry into new markets and businesses; and • Other risks and uncertainties we identify in filings with the United States Securities and Exchange Commission, including our Annual Report on Form 10-K and other periodic reports. Investor Contact: Brad B. Wilson 973-948-1283 [email protected] Media Contact: Jamie M. Beal 973-948-1234 [email protected] Selective Insurance Group, Inc. 40 Wantage Avenue Branchville, New Jersey 07890 www.Selective.com 7