Investor Presentaiton
SELECTIVE
INSURANCE®
Historical Catastrophe Loss Impact Below Industry Average
Impact of Catastrophe Losses on Combined Ratio
12
6
0
Elevated
frequency of
CAT losses
кий
2000 2002 2004 2006 2008 2010 2012 2014 2016 2018 2020 2022
Note: Catastrophe impact for P&C industry based on AM Best estimates
P&C
Industry
SIGI
Catastrophe loss impact over the past 20 years
has averaged
-
-
-
5.5 percentage points for the P&C
industry
3.5 percentage points for Selective
Catastrophe loss mitigation initiatives include:
Strict guidelines for coastal properties
Focus on geographic diversification and
growth that minimizes peak catastrophe
aggregations
-
Conservative reinsurance program
Relatively low historical combined
ratio volatility from catastrophe losses
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