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Originator-Name: webmaster@www.sec.gov
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<SEC-DOCUMENT>0000230557-04-000179.txt : 20041110
<SEC-HEADER>0000230557-04-000179.hdr.sgml : 20041110
<ACCEPTANCE-DATETIME>20041109171744
ACCESSION NUMBER:		0000230557-04-000179
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20041109
ITEM INFORMATION:		Regulation FD Disclosure
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20041109
DATE AS OF CHANGE:		20041109

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			SELECTIVE INSURANCE GROUP INC
		CENTRAL INDEX KEY:			0000230557
		STANDARD INDUSTRIAL CLASSIFICATION:	FIRE, MARINE & CASUALTY INSURANCE [6331]
		IRS NUMBER:				222168890
		STATE OF INCORPORATION:			NJ
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-08641
		FILM NUMBER:		041130624

	BUSINESS ADDRESS:	
		STREET 1:		40 WANTAGE AVENUE
		CITY:			BRANCHVILLE
		STATE:			NJ
		ZIP:			07890
		BUSINESS PHONE:		2019483000

	MAIL ADDRESS:	
		STREET 1:		40 WANTAGE AVE
		STREET 2:		40 WANTAGE AVE
		CITY:			BRANCHVILLE
		STATE:			NJ
		ZIP:			07890

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	SRI CORP
		DATE OF NAME CHANGE:	19860508
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>form8k110904.htm
<DESCRIPTION>FORM 8-K
<TEXT>
<html>

<head>


<title>United States </title>



</head>

<body lang=EN-US>

<div class=Section1>

<p class=MsoNormal align=center style='text-align: center; margin-top: 0; margin-bottom: 0'><b><font size=3 color=black face="Times New Roman">United States</font></b><b> </b></p>

<p class=MsoNormal align=center style='text-align: center; margin-top: 0; margin-bottom: 0'><b><font size=3
color=black face="Times New Roman">Securities and Exchange Commission</font></b></p>

<p class=MsoNormal align=center style='text-align: center; margin-top: 0; margin-bottom: 0'><b><font size=3
  color=black face="Times New Roman">Washington</font></b><b>, D.C. 20549</b><br>
<br>
<b>Form 8-K</b></p>

<p class=MsoNormal align=center style='text-align: center; margin-top: 0; margin-bottom: 0'><b><font size=3
color=black face="Times New Roman">Current Report</font></b></p>

<p class=MsoNormal align=center style='text-align: center; margin-top: 0; margin-bottom: 0'><b><font size=3
color=black face="Times New Roman">Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934</font></b></p>

<p class=MsoNormal align=center style='text-align:center'><b><font size=3
color=black face="Times New Roman">&nbsp;</font></b></p>

<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0
 style='border-collapse:collapse'>
 <tr>
  <td width=260 valign=top style='width:194.85pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style="margin-top: 0; margin-bottom: 0"><font size=2 color=black face="Times New Roman">Date of Report (Date of earliest event reported)&nbsp; </font></p>
  </td>
  <td width=371 valign=top style='width:278.55pt;padding:0in 5.4pt 0in 5.4pt'>
  <h3 style="margin-top: 0; margin-bottom: 0"><b><u><font size=2 color=black face="Times New Roman">November 9, 2004</font></u></b></h3>
  </td>
 </tr>
</table>

<p class=MsoNormal style="margin-top: 0; margin-bottom: 0"><font size=2 color=black face="Times New Roman">&nbsp;</font></p>

<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0
 style='border-collapse:collapse'>
 <tr>
  <td width=631 valign=top style='width:473.4pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='margin-top: 0; margin-bottom: 0'><b><u><font size=2
  color=black face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Selective
  Insurance Group,
  Inc.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</font></u></b></p>
  </td>
 </tr>
 <tr>
  <td width=631 valign=top style='width:473.4pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='margin-top: 0; margin-bottom: 0'><font size=2
  color=black face="Times New Roman">(Exact name
  of registrant as specified in its charter)</font></p>
  </td>
 </tr>
</table>

<p class=MsoNormal style="margin-top: 0; margin-bottom: 0"><font size=2 color=black face="Times New Roman">&nbsp;</font></p>

<p class=MsoNormal style="margin-top: 0; margin-bottom: 0"><font size=2 color=black face="Times New Roman">&nbsp;</font></p>

<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0
 style='border-collapse:collapse'>
 <tr>
  <td width=171 valign=top style='width:128.6pt;padding:0in 5.4pt 0in 5.4pt'>
  <h3 style="margin-top: 0; margin-bottom: 0"><u><font size=2 color=black face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<b>New Jersey</b><b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</b></font></u></h3>
  </td>
  <td width=16 valign=top style='width:11.8pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='margin-top: 0; margin-bottom: 0'><font size=2
  color=black face="Times New Roman">&nbsp;</font></p>
  </td>
  <td width=148 valign=top style='width:111.35pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='margin-top: 0; margin-bottom: 0'><b><u><font size=2
  color=black face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0-8641&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</font></u></b></p>
  </td>
  <td width=16 valign=top style='width:11.8pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='margin-top: 0; margin-bottom: 0'><font size=2
  color=black face="Times New Roman">&nbsp;</font></p>
  </td>
  <td width=280 valign=top style='width:209.85pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='margin-top: 0; margin-bottom: 0'><b><u><font size=2
  color=black face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;22-2168890&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</font></u></b></p>
  </td>
 </tr>
 <tr>
  <td width=171 valign=top style='width:128.6pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style="margin-top: 0; margin-bottom: 0"><font size=2 color=black face="Times New Roman">(State or other jurisdiction<br>
  &nbsp;of incorporation)</font></p>
  </td>
  <td width=16 valign=top style='width:11.8pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style="margin-top: 0; margin-bottom: 0"><font size=2 color=black face="Times New Roman">&nbsp;</font></p>
  </td>
  <td width=148 valign=top style='width:111.35pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style="margin-top: 0; margin-bottom: 0"><font size=2 color=black face="Times New Roman">(Commission File Number)</font></p>
  </td>
  <td width=16 valign=top style='width:11.8pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style="margin-top: 0; margin-bottom: 0"><font size=2 color=black face="Times New Roman">&nbsp;</font></p>
  </td>
  <td width=280 valign=top style='width:209.85pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style="margin-top: 0; margin-bottom: 0"><font size=2 color=black face="Times New Roman">(IRS Employer No.)</font></p>
  </td>
 </tr>
</table>

<p class=MsoNormal style="margin-top: 0; margin-bottom: 0"><u><font size=2 color=black face="Times New Roman">&nbsp;</font></u></p>

<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0
 style='border-collapse:collapse'>
 <tr>
  <td width=631 valign=top style='width:473.4pt;padding:0in 5.4pt 0in 5.4pt'>
  <h2 style="margin-top: 0; margin-bottom: 0"><b><u><font size=2 color=black face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;40 Wantage Avenue, Branchville, New Jersey 07890&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</font></u></b></h2>
  </td>
 </tr>
 <tr>
  <td width=631 valign=top style='width:473.4pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style="margin-top: 0; margin-bottom: 0"><font size=2 color=black face="Times New Roman">(Address of principal executive
  offices)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (Zip Code)</font></p>
  </td>
 </tr>
</table>

<p class=MsoNormal style="margin-top: 0; margin-bottom: 0"><font size=2 color=black face="Times New Roman">&nbsp;</font></p>

<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0
 style='border-collapse:collapse'>
 <tr>
  <td width=295 valign=top style='width:221.4pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style="margin-top: 0; margin-bottom: 0"><font size=2 color=black face="Times New Roman">Registrant's telephone number, including area code</font></p>
  </td>
  <td width=336 valign=top style='width:3.5in;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style="margin-top: 0; margin-bottom: 0"><b><u><font size=2 color=black face="Times New Roman">&nbsp; (973) 948-3000</font></u></b></p>
  </td>
 </tr>
 <tr height=10 style='height:.1in'>
  <td width=295 height=10 valign=top style='width:221.4pt;padding:0in 5.4pt 0in 5.4pt;
  height:.1in'>
  <p class=MsoNormal style="margin-top: 0; margin-bottom: 0"><font size=2 color=black face="Times New Roman">&nbsp;</font></p>
  </td>
  <td width=336 height=10 valign=top style='width:3.5in;padding:0in 5.4pt 0in 5.4pt;
  height:.1in'>
  <p class=MsoNormal style="margin-top: 0; margin-bottom: 0"><font size=2 color=black face="Times New Roman">&nbsp;</font></p>
  </td>
 </tr>
</table>

<p class=MsoNormal style="margin-top: 0; margin-bottom: 0"><font size=3 color=black face="Times New Roman">&nbsp;</font></p>

<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0
 style='border-collapse:collapse'>
 <tr>
  <td width=631 valign=top style='width:473.4pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='margin-top: 0; margin-bottom: 0'><b><u><font size=2
  color=black face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;n/a&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</font></u></b></p>
  </td>
 </tr>
 <tr>
  <td width=631 valign=top style='width:473.4pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='margin-top: 0; margin-bottom: 0'><font size=2
  color=black face="Times New Roman">(Former
  name or former address, if changed since last report)</font></p>
  <p class=MsoNormal style="margin-top: 0; margin-bottom: 0"><font size=2 color=black face="Times New Roman">&nbsp;</font></p>
  </td>
 </tr>
</table>

<p class=MsoNormal style="margin-top: 0; margin-bottom: 0"><font size=2 color=black face="Times New Roman">&nbsp;</font></p>

<p class=MsoNormal style="margin-top: 0; margin-bottom: 0"><font size=2 color=black face="Times New Roman">Check the appropriate box below if the Form 8-K filing
is intended to simultaneously satisfy the filing obligation of the registrant
under any of the following provisions:</font></p>

<p class=MsoNormal><font size=2 color=black face="Times New Roman">&nbsp;</font></p>

<table class=MsoNormalTable border=1 cellspacing=0 cellpadding=0 width=655
 style='width:491.4pt;border-collapse:collapse;border:none'>
 <tr>
  <td width=31 valign=top style='width:23.4pt;border:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal><font size=2 color=black face="Times New Roman">&nbsp;</font></p>
  </td>
  <td width=624 valign=top style='width:6.5in;border:none;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal><font size=2 color=black face="Times New Roman">Written communications pursuant to Rule 425 under
  the Securities Act (17 CFR 230.425)</font></p>
  </td>
 </tr>
 <tr>
  <td width=31 valign=top style='width:23.4pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal><font size=2 color=black face="Times New Roman">&nbsp;</font></p>
  </td>
  <td width=624 valign=top style='width:6.5in;border:none;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal><font size=2 color=black face="Times New Roman">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width=31 valign=top style='width:23.4pt;border:solid windowtext 1.0pt;
  border-top:none;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal><font size=2 color=black face="Times New Roman">&nbsp;</font></p>
  </td>
  <td width=624 valign=top style='width:6.5in;border:none;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal><font size=2 color=black face="Times New Roman">Soliciting material pursuant to Rule 14a - 12 under
  the Exchange Act (17 CFR 240.14a-12)</font></p>
  </td>
 </tr>
 <tr>
  <td width=31 valign=top style='width:23.4pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal><font size=2 color=black face="Times New Roman">&nbsp;</font></p>
  </td>
  <td width=624 valign=top style='width:6.5in;border:none;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal><font size=2 color=black face="Times New Roman">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width=31 valign=top style='width:23.4pt;border:solid windowtext 1.0pt;
  border-top:none;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal><font size=2 color=black face="Times New Roman">&nbsp;</font></p>
  </td>
  <td width=624 valign=top style='width:6.5in;border:none;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal><font size=2 color=black face="Times New Roman">Pre-commencement communications pursuant to Rule
  14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</font></p>
  </td>
 </tr>
 <tr>
  <td width=31 valign=top style='width:23.4pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal><font size=2 color=black face="Times New Roman">&nbsp;</font></p>
  </td>
  <td width=624 valign=top style='width:6.5in;border:none;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal><font size=2 color=black face="Times New Roman">&nbsp;</font></p>
  </td>
 </tr>
 <tr>
  <td width=31 valign=top style='width:23.4pt;border:solid windowtext 1.0pt;
  border-top:none;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal><font size=2 color=black face="Times New Roman">&nbsp;</font></p>
  </td>
  <td width=624 valign=top style='width:6.5in;border:none;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal><font size=2 color=black face="Times New Roman">Pre-commencement communications pursuant to Rule
  13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</font></p>
  </td>
 </tr>
</table>

<p class=MsoNormal><font size=2 color=black face="Times New Roman">&nbsp;</font></p>

<p class=MsoNormal><font size=2 color=black face="Times New Roman">Item 7.01 Regulation FD Disclosure</font></p>

<p class=MsoNormal><font size=2 color=black face="Times New Roman">&nbsp;</font></p>

<p class=MsoNormal><font size=2 color=black face="Times New Roman">On November 9, 2004, Selective Insurance Group, Inc. at
its Investor Conference and in a press release provided 2005 earnings
guidance.&nbsp; The press release is attached as Exhibit 99.1 and is being
furnished, not filed, under Item 7.01 of the Report on Form 8-K.</font></p>

<p class=MsoNormal><font size=2 color=black face="Times New Roman">&nbsp;</font></p>

<p class=MsoNormal><font size=2 color=black face="Times New Roman">Item 9.01 Financial Statements and Exhibits</font></p>

<p class=MsoNormal><font size=2 color=black face="Times New Roman">&nbsp;</font></p>

<p class=MsoNormal><font size=2 color=black face="Times New Roman">(c) Exhibits</font></p>

<p class=MsoNormal><font size=2 color=black face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font></p>

<p class=MsoNormal><font size=2 color=black face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 99.1 Press Release of Selective
Insurance Group, Inc. dated November 9, 2004 is furnished herewith.</font></p>

<font size=2 color=black face="Times New Roman"><hr color="#000080"><br clear=all style='page-break-before:
always'>
</font>

<p class=MsoNormal><font size=2 color=black face="Times New Roman">&nbsp;</font></p>

<p class=MsoBodyText><font size=2 color=black face="Times New Roman">&nbsp;</font></p>

<pre><font size=2 face="Times New Roman">&nbsp;</font></pre><pre style='text-align:
center'><font size=2 face="Times New Roman">SIGNATURES</font></pre><pre><font size=2
face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</font></pre><pre><font
size=2 face="Times New Roman">&nbsp;</font></pre><pre><font
size=2 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<b>SELECTIVE INSURANCE GROUP, INC</b>.</font></pre><pre><font
size=2 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</font>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<font
face="Times New Roman">(Registrant)</font></pre><pre><font
size=2 face="Times New Roman">&nbsp;</font></pre>

<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0
 style='border-collapse:collapse'>
 <tr>
  <td width=195 valign=top style='width:146.4pt;padding:0in 5.4pt 0in 5.4pt'><pre><font
  size=2 face="Times New Roman">Date:&nbsp; November 9, 2004&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</font></pre></td>
  <td width=64 valign=top style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'><pre><font
  size=2 face="Times New Roman">&nbsp;</font></pre></td>
  <td width=331 valign=top style='width:3.45in;padding:0in 5.4pt 0in 5.4pt'><pre><u><font
  size=2 face="Times New Roman">By:/s/ Michele N. Schumacher</font></u></pre></td>
 </tr>
 <tr>
  <td width=195 valign=top style='width:146.4pt;padding:0in 5.4pt 0in 5.4pt'><pre><font
  size=2 face="Times New Roman">&nbsp;</font></pre></td>
  <td width=64 valign=top style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'><pre><font
  size=2 face="Times New Roman">&nbsp;</font></pre></td>
  <td width=331 valign=top style='width:3.45in;padding:0in 5.4pt 0in 5.4pt'><pre><font
  size=2 face="Times New Roman">Name:&nbsp; Michele N. Schumacher, Esq.</font></pre></td>
 </tr>
 <tr>
  <td width=195 valign=top style='width:146.4pt;padding:0in 5.4pt 0in 5.4pt'><pre><font
  size=2 face="Times New Roman">&nbsp;</font></pre></td>
  <td width=64 valign=top style='width:48.0pt;padding:0in 5.4pt 0in 5.4pt'><pre><font
  size=2 face="Times New Roman">&nbsp;</font></pre></td>
  <td width=331 valign=top style='width:3.45in;padding:0in 5.4pt 0in 5.4pt'><pre><font
  size=2 face="Times New Roman">Title:&nbsp; Vice President, Corporate Secretary &amp; Corporate Governance Officer</font></pre></td>
 </tr>
</table>

<pre><u><font size=2 face="Times New Roman">&nbsp;</font></u></pre><pre><font
size=2 face="Times New Roman">&nbsp;</font></pre></div>

</body>

</html>

</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99
<SEQUENCE>2
<FILENAME>pressrel110904er.htm
<DESCRIPTION>PRESS RELEASE
<TEXT>
<html>

<head>


<title>Selective Insurance </title>



</head>

<body lang=EN-US link=blue vlink=purple>

<div class=Section1>

<p class=MsoBodyTextIndent>[SELECTIVE LOGO]<hr color="#000080"><br clear=ALL>
Selective Insurance <br>
  40 Wantage Avenue<br>
  Branchville, New Jersey 07890<br>
www.selective.com

<p class=MsoBodyTextIndent>&nbsp;<br>
<br>
</p>

<p class=MsoNormal style="margin-top: 0; margin-bottom: 0"><b>For immediate release</b></p>

<p class=MsoNormal style="margin-top: 0; margin-bottom: 0">Media
Contact: Sharon Cooper</p>

<p class=MsoNormal style="margin-top: 0; margin-bottom: 0">973-948-1324,
sharon.cooper@selective.com</p>



<p class=MsoNormal style="margin-top: 0; margin-bottom: 0">Investor
Contact: Dale Thatcher</p>

<p class=MsoNormal style="margin-top: 0; margin-bottom: 0">973-948-1774,
dale.thatcher@selective.com</p>



<h1 align=left style='margin-top: 0; margin-bottom: 0'>&nbsp;</h1>

<p class=MsoNormal align=center style='margin-top: 0; margin-bottom: 0'><b><font size="4">Selective Insurance Group Hosts
Investor Conference;&nbsp;</font> </b></p>

<p class=MsoNormal align=center style='margin-top: 0; margin-bottom: 0'><b><font size="4">Announces 2005 Earnings Guidance</font></b><font size="4">&nbsp;&nbsp;</font> </p>

<p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>

<p class=MsoNormal>Branchville, NJ - Nov. 9, 2004 - Selective
Insurance Group, Inc. (NASDAQ:SIGI) today provided 2005 earnings guidance at its
Investor Conference at the NASDAQ MarketSite in New York City.</p>



<p class=MsoNormal style='text-autospace:none'>Selective Chairman, President and CEO Gregory E. Murphy, in
concluding the conference, stated: &quot;Given ongoing improvements across our
operation, and a favorable outlook for our commercial lines business, we
estimate, for 2005, operating income per share between $3.65 and $3.85. &nbsp;This
projection is based on weather-related catastrophe losses of approximately 1.5
points for 2005.&quot;&nbsp; Operating
income is not a measure prepared in accordance with generally accepted
accounting principles in the United States of America (GAAP). &nbsp;Operating income
differs from net income, which is a measure prepared in accordance with GAAP,
because it excludes realized gains or losses on investment sales.&nbsp; Because the
timing of the realization of investment gains and losses in any given period is
largely discretionary, the company is unable to make an estimate of net income
for 2005 at this time.</p>



<p class=MsoNormal>Murphy
added: &quot;We have now
positioned Selective as one of the nation's strongest regional carriers, and we
will continue to deliver superior products, service and value-added offerings
to agents and customers through our high-tech, high-touch business approach.&quot; </p>



<p class=MsoNormal>A webcast
of Selective's Investor Conference can be accessed at the company's website, www.selective.com, and is available for
replay until Dec. 17, 2004.</p>



<p class=MsoNormal>Selective
Insurance Group, Inc., headquartered in Branchville, New Jersey, is a holding
company for six property and casualty insurance companies that offer primary
and alternative market insurance for commercial and personal risks. The insurance companies are rated &quot;A+&quot; (Superior) by A.M. Best. Through other subsidiaries, the company offers medical claim
management services; human resources administration services; risk management
products and services; and flood insurance policy, administration and claim
services. Selective maintains a website at www.selective.com</p>



<p class=MsoBodyText3 style='line-height:normal'>This
press release contains certain statements that are not historical facts and are
considered forward-looking statements as defined in the Private Securities
Litigation Reform Act of 1995. You can identify forward-looking statements by
use of words such as may, will, could, would, should, expect, plan, anticipate,
target, project, intend, believe, estimate, predict, potential, pro forma, seek,
likely, or continue or other comparable terminology. These statements relate to
our intentions, beliefs, projections, estimations or forecasts of future events
or our future financial performance and involve known and unknown risks,
uncertainties and other factors that may cause our actual results to be
materially different from those expressed or implied by the forward-looking
statements.&nbsp; These statements are only predictions and we can give no assurance
that such expectations will prove to be correct. These risks and uncertainties
include, but are not limited to:</p>



<ul style='margin-top:0in' type=disc>
 <li class=MsoNormal>The
     frequency and severity of catastrophic events, including hurricanes,
     tornadoes, windstorms, earthquakes, hail, severe winter weather, fires,
     explosions and terrorism; </li>
 <li class=MsoNormal>Adverse
     economic, market or regulatory conditions; </li>
 <li class=MsoNormal>The
     concentration of our business in a number of east coast and Midwestern
     states;</li>
 <li class=MsoNormal>The
     adequacy of our loss reserves;</li>
 <li class=MsoNormal>The cost
     and availability of reinsurance;</li>
 <li class=MsoNormal>Our
     ability to collect on reinsurance and the solvency of our reinsurers;&nbsp; </li>
 <li class=MsoNormal>Uncertainties
     related to insurance premium rate increases and business retention;</li>
 <li class=MsoNormal>Changes
     in insurance regulations that impact our ability to write and/or cease
     writing insurance policies in one or more states, particularly changes in
     New Jersey automobile insurance laws and regulations;</li>
 <li class=MsoNormal>Our
     ability to maintain favorable ratings from A.M. Best, Standard &amp;
     Poor's, Moody's and Fitch;</li>
 <li class=MsoNormal>Fluctuations
     in interest rates and the performance of the financial markets;</li>
 <li class=MsoNormal>Our entry
     into new markets and businesses; and </li>
 <li class=MsoNormal>Other
     risks and uncertainties we identify in filings with the Securities and
     Exchange Commission, including, but not limited to the Annual Report on
     Form 10-K; although we do not promise to update such forward-looking
     statements to reflect actual results or changes in assumptions or other
     factors that could affect these statements. </li>
</ul>



<p class=MsoNormal align=center style='text-align:center'>###</p>





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