{"schema_version":"secwatch.filing_event.v1","accession":"0000230557-25-000003","form_type":"8-K","ticker":"SIGI","cik":"0000230557","company_name":"SELECTIVE INSURANCE GROUP INC","filed_at":"2025-01-29T23:59:59+00:00","discovered_at":"2026-05-14T18:03:05.902168+00:00","generated_at":"2026-05-27T07:30:09.888678+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Selective Q4 net income $1.52/sh; combined ratio 98.5% on $100M casualty reserve strengthening; 2025 guidance 96-97% CR","bullets":["Q4 net income $93.2M ($1.52 diluted EPS); non-GAAP operating income $99.6M ($1.62/sh).","Q4 combined ratio 98.5% (up 4.8 pts YoY) due to $100M unfavorable prior year casualty reserve development (8.8 pts).","Standard Commercial Lines combined ratio 100.2%; Personal Lines improved to 91.7%; E&S combined ratio 93.1% with $20M adverse development.","Net premiums written up 10% in Q4; renewal pure price +10.7%. After-tax net investment income $97M (+24% YoY).","2025 guidance: GAAP combined ratio 96%-97% (ex-cats), after-tax NII ~$405M, diluted shares 61.5M. Dividend $0.38/sh payable Mar 3."],"urls":{"canonical":"https://secwatch.observer/filing/0000230557-25-000003","json":"https://secwatch.observer/filing/0000230557-25-000003.json","markdown":"https://secwatch.observer/filing/0000230557-25-000003.md","text":"https://secwatch.observer/filing/0000230557-25-000003.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/230557/000023055725000003/0000230557-25-000003-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/230557/000023055725000003/sigi-20250129.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T07:30:09.888678+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}