Selective Insurance Group is trying to be more accepting -- without becoming indiscriminate. Since the early 1990s, the property/casualty insurance holding company has been expanding its service area beyond its native New Jersey (which still accounts for more than 25% of sales) to reach the entire eastern US seaboard and much of the Midwest. Commercial policies sold by its seven subsidiaries include workers' compensation and commercial automobile, property, and liability insurance. Personal lines include homeowners and automobile insurance. The company also offers federal flood insurance administration services, as well as Excess & Surplus lines, in all 50 states. Some 1,100 independent agencies market Selective Insurance products.