Document:

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                                                                  Exhibit 10.16a

                    AMENDMENT NO. 3 TO EMPLOYMENT AGREEMENT

           AMENDMENT NO. 3, dated as of August 1, 2001, among SELECTIVE
INSURANCE GROUP, INC., a New Jersey corporation ("Selective"), having an office
at 40 Wantage Avenue, Branchville, New Jersey 07826, SELECTIVE INSURANCE COMPANY
OF AMERICA, a New Jersey corporation ("SICA"), having an office at 40 Wantage
Avenue, Branchville, New Jersey 07826, and GREGORY E. MURPHY, having an address
at 8 Brandy Ridge Road, Sparta, New Jersey 07871 (the "Executive"), to
Employment Agreement dated as of August 1, 1995, among Selective, SICA and the
Executive, as heretofore amended by Amendment No. 1 thereto dated as of May 1,
1998, and as heretofore amended by Amendment No. 2 thereto dated as of May 5,
2000, (as so amended, the "Employment Agreement").

           WHEREAS, Selective, SICA and the Executive have executed and
delivered the Employment Agreement, and Selective has guaranteed all of the
obligations of SICA as the Employer under the Employment Agreement; and

                     WHEREAS, the parties hereto desire to further amend the
Employment Agreement to extend the term thereof and to modify the
Salary (as defined in Section 3 of the Employment Agreement) provided for
therein.

           THEREFORE, in consideration of the premises and the mutual covenants
hereinafter set forth, the parties hereto agree as follows:

           1. The term of employment under the Employment Agreement is hereby
extended for a period of three (3) years commencing August 1, 2001 (the "Renewal
Term"), and all references in the Agreement to the term thereof or the
Executive's term of employment thereunder shall include the Renewal Term.

           2. The Salary, as defined and provided for in Section 3 of the
Employment Agreement, shall be paid to the Executive at a rate of not less than
Five Hundred Fifty Thousand and 00/100 ($550,000.00) Dollars per year during the
Renewal Term.

           3. Selective reaffirms that it guarantees to the Executive the full
performance by SICA of all of its obligations under the Employment Agreement as
amended herein.

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           4. Except as amended herein, the Employment Agreement shall continue
in full force and effect on and after the date hereof.

         IN WITNESS WHEREOF, this Amendment has been duly executed by the
Executive and on behalf of Selective and SICA by their duly authorized officers
as of the date and year first above written.

                                SELECTIVE INSURANCE GROUP, INC.

                                 By: /s/ Thornton R. Land
                                    -------------------------------------------
                                    Name:  Thornton R.Land
                                    Title: Executive Vice President and
                                           General Counsel

                                 SELECTIVE INSURANCE COMPANY
                                 OF AMERICA

                                 By: /s/ Thornton R. Land
                                    -------------------------------------------
                                    Name:  Thornton R. Land
                                    Title: Executive Vice President and
                                               General Counsel

                                     /s/ Gregory E. Murphy
                                    -------------------------------------------
                                    Executive

                                       25<PAGE>
                                                                  Exhibit 10.16b
                     AMENDMENT NO. 4 TO EMPLOYMENT AGREEMENT

           AMENDMENT NO. 4, dated as of September 1, 2001, among SELECTIVE
INSURANCE GROUP, INC., a New Jersey corporation ("Selective"), having an office
at 40 Wantage Avenue, Branchville, New Jersey 07826, SELECTIVE INSURANCE COMPANY
OF AMERICA, a New Jersey corporation ("SICA"), having an office at 40 Wantage
Avenue, Branchville, New Jersey 07826, and THORNTON R. LAND, having an address
at 78 Onderdonk Road, Warwick, New York 10990 (the "Executive"), to Employment
Agreement dated as of September 1, 1993, among Selective, SICA and the
Executive, as heretofore amended by Amendment No. 1 thereto dated as of January
31, 1994, Amendment No. 2 thereto dated as of June 6, 1996, and Amendment No. 3
thereto dated as of September 1, 1999 (as so amended, the "Employment
Agreement").

           WHEREAS, Selective, SICA and the Executive have executed and
delivered the Employment Agreement, and Selective has guaranteed all of the
obligations of SICA as the Employer under the Employment Agreement; and

           WHEREAS, the parties hereto desire to further amend the Employment
Agreement to extend the term thereof and to modify the Salary (as defined in
Section 3 of the Employment Agreement) provided for therein.

           THEREFORE, in consideration of the premises and the mutual covenants
hereinafter set forth, the parties hereto agree as follows:

           3. The term of employment under the Employment Agreement is hereby
extended for a period of three (3) years commencing September 1, 2001 (the
"Renewal Term"), and all references in the Agreement to the term thereof or the
Executive's term of employment thereunder shall include the Renewal Term.

           4. The Salary, as defined and provided for in Section 3 of the
Employment Agreement, shall be paid to the Executive at a rate of not less than
Two Hundred Fifty-Five Thousand and 00/100 ($255,000.00) Dollars per year during
the Renewal Term.

           3. Selective reaffirms that it guarantees to the Executive the full
performance by SICA of all of its obligations under the Employment Agreement as
amended herein.

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           4. Except as amended herein, the Employment Agreement shall continue
in full force and effect on and after the date hereof.

           IN WITNESS WHEREOF, this Amendment has been duly executed by the
Executive and on behalf of Selective and SICA by their duly authorized officers
as of the date and year first above written.

                                 SELECTIVE INSURANCE GROUP, INC.

                                 By: /s/ Gregory E. Murphy
                                    -------------------------------------------
                                    Name:  Gregory E. Murphy
                                    Title: Chairman, President and Chief
                                    Executive Officer

                                    SELECTIVE INSURANCE COMPANY
                                    OF AMERICA

                                 By: /s/ Gregory E. Murphy
                                    -------------------------------------------
                                 Name:     Gregory E. Murphy
                                 Title:    Chairman, President & Chief Executive
                                           Officer

                                     /s/ Thornton R. Land
                                    -------------------------------------------
                                    Executive

                                       27<PAGE>
                                                                  Exhibit 10.16c

                     AMENDMENT NO. 3 TO EMPLOYMENT AGREEMENT

           AMENDMENT NO. 3, dated as of October 31, 2001, among SELECTIVE
INSURANCE GROUP, INC., a New Jersey corporation ("Selective"), having an office
at 40 Wantage Avenue, Branchville, New Jersey 07826, SELECTIVE INSURANCE COMPANY
OF AMERICA, a New Jersey corporation ("SICA"), having an office at 40 Wantage
Avenue, Branchville, New Jersey 07826, and JAMIE OCHILTREE III, having an
address at 21 Lambert Drive, Sparta, New Jersey 07871 (the "Executive"), to
Employment Agreement dated as of October 31, 1995 among Selective, SICA and the
Executive, as heretofore amended by Amendment No. 1 thereto dated as of October
31, 1998, and Amendment No. 2 dated as of May 3, 2000, as hereof (as so
amended, the "Employment Agreement").

                WHEREAS, Selective, SICA and the Executive have executed and
delivered the Employment Agreement, and Selective has guaranteed all of the
obligations of SICA as the Employer under the Employment Agreement; and

                WHEREAS, the parties hereto desire to further amend the
Employment Agreement to extend the term thereof and to modify the Salary (as
defined in Section 3 of the Employment Agreement) provided for therein.

                THEREFORE, in consideration of the premises and the mutual
covenants hereinafter set forth, the parties hereto agree as follows:

           1. The term of employment under the Employment Agreement is hereby
extended for a period of three (3) years commencing October 31, 2001 (the
"Renewal Term"), and all references in the Agreement to the term thereof or the
Executive's term of employment thereunder shall include the Renewal Term.

           2. The Salary, as defined and provided for in Section 3 of the
Employment Agreement, shall be paid to the Executive at a rate of not less than
Two Hundred Ninety Thousand and 00/100 ($290,000.00) Dollars per year during the
Renewal Term.

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           3. Selective reaffirms that it guarantees to the Executive the full
performance by SICA of all of its obligations under the Employment Agreement as
amended herein.

           4. Except as amended herein, the Employment Agreement shall continue
in full force and effect on and after the date hereof.

           IN WITNESS WHEREOF, this Amendment has been duly executed by the
Executive and on behalf of Selective and SICA by their duly authorized officers
as of the date and year first above written.

                                 SELECTIVE INSURANCE GROUP, INC.

                                 By: /s/ Gregory E. Murphy
                                    -------------------------------------------
                                    Name:  Gregory E. Murphy
                                    Title: Chairman, President and Chief
                                            Executive Officer

                                     SELECTIVE INSURANCE COMPANY
                                     OF AMERICA

                                 By: /s/ Gregory E. Murphy
                                    -------------------------------------------
                                    Name:  Gregory E. Murphy
                                    Title: Chairman, President and Chief
                                           Executive Officer

                                      /s/ Jamie Ochiltree III
                                    -------------------------------------------
                                     Executive

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