November 17, 2021

AM Best Upgrades Selective's Credit Rating Recently AM Best, a global credit rating agency specializing in the insurance industry, upgraded Selective's financial strength rating to 'A+' with a stable outlook. For full details, please read this press release from AM Best. Selective is Named ACORD Award Winner Selective received the ACORD Organization Leadership Award from the Association for Cooperative Operations Research and Development (ACORD). This award is presented to organizations that demonstrate leadership in standards development, advocacy, and/or implementation.

"Selective is honored to be recognized for our leadership in leveraging ACORD standards to support the way agents want to do business with us," said Joe Feo, Vice President, Business Relationships, Business Services Unit. "We take great pride in this award and remain committed to the continued development of interface technology that improves efficiency for our agents." This award is a proud achievement for Selective and a testament to our commitment to being an exceptional partner for independent agents.

Are You Utilizing Biometric Data? The use of biometric data has become a common practice in many aspects of our daily lives, from unlocking smartphones to voice recognition. In a recent Unique Perspectives blog, Jeff Weaver, Assistant Vice President, Management Liability Insurance at Selective, explains why organizations need to handle biometric data carefully.

Read "Biometric Data is Great for Business" to learn more about biometric data compliance and how organizations can avoid the risk of regulatory fines or damages. Share Jeff's expertise with our mutual customers to help them reduce their risk, too.

Hit Your Agency Goals with Bonds As part of our commitment to helping our agency partners achieve profitable growth, we'd like to share with you that the commission rate for certain bonds is increasing. For new business effective December 1, 2021,* and after, agents will now receive a 50% commission on License & Permit Bonds and a 35% commission on Probate Bonds.

With higher commission coming soon and end-of-year objectives in mind, now is the perfect time to leverage bonds to help reach your agency goals and maximize your Profit Sharing with Selective. Most Commercial Surety business is completed as One and Done®, and our Contractor Express® program makes contractor bonds quick and simple.

These two options help make adding bonds premium to your book of business easier than ever. Read More Uniquely Cyber Smart: Key Takeaways Recently, Selective hosted an interactive webinar to help educate our agency partners and customers on the risks and impacts of cybercrime. If you attended, we hope you found the panelists' expertise valuable and learned some critical steps to help safeguard your business from cybercrime. If you missed it, a recording of the webinar is now available. You can also share the one-hour session with others in your organization who could not attend and our mutual customers. 10 Key Takeaways Along with the recorded webinar, our panel of cybersecurity experts identified 10 key takeaways from the session. Share these takeaways with your employees for a quick and easy way to build awareness around the importance of cybersecurity. Read More Make AorM Coverage Your Selective Advantage Selective is committed to keeping our communities safe with our essential Abuse or Molestation (AorM) coverage. AorM coverage is a unique competitive advantage for accounts in the Social Services, Religious Organizations, or Private Schools segments.

By making Selective your carrier of choice for AorM coverage, you'll have access to a suite of competitive advantages that set you and Selective apart. Read More

Protect Valuable Gifts with Blanket Coverage As winter approaches, many are beginning to think about purchasing gifts for friends and family. Now is the perfect time to remind our mutual customers to protect high-value gifts like jewelry, collectibles, and fine wine with Blanket Coverage.

Selective offers eighteen Blanket Coverage options with limits up to $50K, with a $5K per item maximum payout limit. Blanket Coverage options are in the 'Additional Coverage' tab in SelectPLUS®. Read More

Support the Sales Journey with Marketing and CX Selective's marketing and customer experience (CX) approach focuses on delivering critical touchpoints that support the sales journey. Prospects and customers expect unique value and services from providers and the power to choose the experience that suits them. Our goal as your partner is to help you meet - and exceed - those expectations.

Be Uniquely Insured As part of our promise to customers, we strive to anticipate and provide for their unique needs, which ultimately helps drive brand preference and profitable growth for you and us. Read More

Avoid Cybercrime with Security Mentor® Cybercriminals are getting more sophisticated with their attacks, making it increasingly difficult for organizations to protect sensitive data. That's why we offer complimentary Security Mentor® training to our agency partners and mutual customers. In as little as 10 minutes, a Security Mentor® course can help you learn how to reduce the risk of cyber threats.

• Be An Email Detective - recognize and avoid malicious emails • Beware: Others May Be Manipulating You - protect yourself from social

engineering attacks • You Are the Key to Security - understand security risks and protection practices • You're Being Phished - identify fraudulent emails, text messages, social posts, and

phone calls • How Secure Are Your Passwords? - learn about creating and protecting strong

passwords • When is a Friend Not a Friend? - practice safety on social media

Read More

Help Us Improve the eSelect® Claims Tab Selective is committed to improving our systems to make partnering with us as easy as possible. As part of that commitment, we're seeking your opinion on some changes coming to the Claims tab on eSelect®.

No one knows the value of independent agents better than Selective, which is why your opinions matter to us. Please take this three-question survey to help us build a better user experience for our agency partners. We know your time is valuable; thank you for helping us improve!

Free Webinars from The Institute for Management Studies Selective partners with The Institute for Management Studies (IMS) to offer our agency partners complimentary and paid training sessions. Join us on November 23, 11 AM - 12 PM ET, for a free webinar with author Hang Black. "Shifting the Conversation to Diversity and Inclusion Throughout the Workplace" will help leaders develop a clear framework to level the playing field. Register here.

Up next: The 4 Stages of Psychological Safety: Defining the Path to Inclusion and Innovation with Dr. Timothy R. Clark on December 16, 2021 How to Retain and Engage Talent During the Great Resignation with Dr. Beverly Kaye on January 13, 2022 Seminars, Conferences, and Trainings Selective has all-new professional development opportunities specifically designed to help you continue to grow in the virtual environment in 2021. A robust program schedule gives you the opportunity to develop new skills, expand industry expertise, network, and become more successful in your career - all from the comfort of your home or office. Beyond Insurance Sales Accelerators Program: This virtual, self-study course will help you reach your full sales potential. Register by November 24. Commercial Insurance in an Hour Series: Register once for entire series. Read More Virtual Ultimate Account Manager School November 30 - December 9 Three days a week for two weeks (six days), 10 AM ET - 12 PM ET each day. Register by November 23 Move from reactive to proactive customer service and true account management. Ultimate Account Manager School is for experienced as well as new account managers. Experienced account managers will enhance their skills, productivity, and effectiveness, while newcomers will acquire powerful methods that represent world-class customer service. Attendees will walk away with practical solutions to their most challenging issues

and a renewed commitment to being an extraordinary account manager in a great industry! Selective's 2022 Agency Customer Survey Program Through a partnership with Confirmit, a leading provider of Voice of Customer solutions, Selective is offering our agents the opportunity to survey your Selective and non-Selective customers, to better understand the experience you and your team provide - at no cost to you!

By participating in this program, you will be able to benchmark key customer experience metrics such as Net Promoter Score and Overall Satisfaction, capture candid feedback via open-ended questions, and compare your results to the aggregate results of your agency peers. A 30-minute kick-off webinar will take place on Tuesday, November 30, at 1 PM EST. During this webinar, we will review the required materials, discuss best practices to close the loop with your customers, and answer any questions you may have.

FEMA Risk Rating 2.0 is Live FEMA's new National Flood Insurance Program (NFIP) rating methodology, Risk Rating 2.0 (RR 2.0), went live on October 1, 2021. RR 2.0 is designed to better reflect a property's unique flood risk while also providing rates that are easier for agents and policyholders to understand.

To ensure you have the resources you need to successfully transition to this new

platform, Selective would like to share two helpful tools with you, RR 2.0 Tips for Success and a Guide to Input Location. For up-to-date information as the platform evolves, visit our dedicated RR 2.0 page. Read More

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This document provides a summary of Selective's products and services. For policy coverage items, please refer to the actual policy for full details. The availability of coverage varies by jurisdiction. Coverage may not be available in every

state and is subject to underwriting approval. For all other items, please contact your Agency Management Specialist or Personal Lines Marketing Specialist for more detailed information.

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