We are faced with multiple challenges each and every day. The decisions we make to address those challenges can directly impact your options within the marketplace. Insurance is one of those decisions, and many consumers believe that their insurance decision is the only risk management decision that they make once every year. However, insurance is just one arm of the risk management discipline. Selective’s Safety Management Department assists policyholders in identifying and managing their operational exposures with various resources aimed at addressing and reducing their levels of risk.