Document:

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                                                                  Exhibit 10.16b

                     AMENDMENT NO. 2 TO EMPLOYMENT AGREEMENT

            AMENDMENT NO. 2, dated as of May 2, 2000, 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 (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 modify the description of the duties of the Executive, as set forth
in Section 4(a) of the Employment Agreement 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 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 Sixty-Five Thousand and 00/100 ($265,000.00) Dollars per year during
the Renewal Term.

            2. The Executive is presently serving as an Executive Vice President
- Insurance Operations of SICA and Selective, and all references in the
Employment Agreement to Executive serving as Senior Vice President of the
Company (as defined in the Employment Agreement) are hereby amended to refer to
the Executive as an Executive Vice President-Insurance Operations of the Company
(as defined in the Employment Agreement) and Selective.

            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:_____________________________________
                                           Name:  Gregory E. Murphy
                                           Title: President and Chief
                                                  Executive Officer
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                                        SELECTIVE INSURANCE COMPANY
                                        OF AMERICA

                                        By:_____________________________________
                                           Name:  Gregory E. Murphy
                                           Title: President and Chief
                                                  Executive Officer

                                        ________________________________________
                                        Executive<PAGE>   1

                                                                  Exhibit 10.16c

                     AMENDMENT NO. 1 TO EMPLOYMENT AGREEMENT

      AMENDMENT NO. 1, dated as of May 1, 2000, 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 JAMES W. COLEMAN JR., having an address at 83
Main Street, Ogdensburg, New Jersey 07439 (the "Executive"), to Employment
Agreement dated as of May 1, 1997 among Selective, SICA and the Executive, (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 description of the duties
of the Executive, as set forth in Section 4(a) of the Employment Agreement, 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 May 1, 2000 (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 Thirty Thousand and 06/100 ($230,000.06) Dollars per year during the
Renewal Term.

            3. The Executive is presently serving as an Executive Vice
President-Diversified Insurance Services of SICA and Selective, and all
reference to the Employment Agreement to Executive serving as Senior Vice
President of the Company (as defined in the Employment Agreement) are hereby
amended to refer to the Executive as an Executive Vice President-Diversified
Insurance Services of the Company (as defined in the Employment Agreement) and
Selective.

            4. 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.

            5. 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:_____________________________________
                                           Name:  Gregory E. Murphy
                                           Title: President and Chief
                                                  Executive Officer
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                                        SELECTIVE INSURANCE COMPANY
                                        OF AMERICA

                                        By:_____________________________________
                                           Name:  Gregory E. Murphy
                                           Title: President and Chief
                                                  Executive Officer

                                        ________________________________________
                                        Executive<PAGE>   1

                                                                  Exhibit 10.16d

                              EMPLOYMENT AGREEMENT

            AGREEMENT dated as of May 5, 2000, by and between SELECTIVE
INSURANCE COMPANY OF AMERICA, a New Jersey corporation (the "Company"), having
an office at 40 Wantage Avenue, Branchville, New Jersey 07826, and RICHARD H.
ESKOW, having an address at 845 West End Avenue #8C, New York, New York, (the
"Executive").

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

1.    Employment. The Company agrees to employ the Executive, and the Executive
      accepts employment with the Company, on the terms and conditions set forth
      herein.

2.    Term. The term of employment under this Agreement shall commence as of the
      date hereof and, subject to Section 7 hereof, shall terminate three (3)
      years after the date hereof.

3.    Compensation. For all services rendered by the Executive under this
      Agreement, the Company shall pay the Executive a fixed salary during the
      term of employment under this Agreement at a rate of not less than Two
      Hundred Thousand and 00/100 ($200,000.00) per year (the "Salary"), payable
      in installments in accordance with the Company's policy from time to time
      in effect for payment of salary to executives. The Salary shall be
      reviewed no less than annually by the Company's Board of Directors, and
      nothing contained herein shall prevent the Company's Board of Directors
      from at any time increasing the Salary or other benefits herein provided
      to be paid or provided to Executive or from providing additional or
      contingent benefits to Executive as it deems appropriate.

4.    Duties.

      (a)   The Executive has been elected as Vice President-Project Manager
            Integrated Product of the Company, and he agrees to serve as such
            during each year of the term of this Agreement that he is elected to
            such office and until his successor is elected and qualified. If at
            any time prior to the expiration of this Agreement, the Board of
            Directors of the Company shall fail to reelect Executive as Vice
            President-Project Manager Integrated Product at the Company's Annual
            Organizational Meeting (except as a result of termination pursuant
            to Section 7 hereof), Executive's employment hereunder shall
            terminate ninety (90) days after the date of such meeting. During
            said ninety-day (90-day) period the Executive shall continue to be
            employed under this Agreement, shall cooperate fully with the
            Company's Board of Directors and shall devote his full business time
            and

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            attention to such duties not inconsistent with the provisions hereof
            as he shall be assigned by the Company's Board of Directors. Upon
            termination of Executive's employment hereunder pursuant to this
            Section 4(a), the Executive shall resign as an officer of the
            Company and each of its subsidiaries of which he shall then be a
            director and/or officer. Notwithstanding any such termination, the
            Executive, provided he does not violate the provisions of Section 9
            hereof, shall be entitled to receive (i) as severance pay an amount
            equal to his Salary, at the rate in effect at the time of
            termination of employment hereunder, for a period of two (2) years
            after the date of such termination, payable in monthly installments,
            and (ii) the certain benefits provided for in Section 8 hereof, for
            a period of two (2) years after the date of such termination or such
            shorter period as provided in Section 8. If Executive's employment
            hereunder shall terminate pursuant to this Section 4(a), such
            termination shall not prevent Executive from accepting other
            employment with the Company or otherwise after the effective date of
            such termination.

      (b)   The Executive agrees to devote his entire business time, attention
            and services exclusively to the business and affairs of the Company
            and its subsidiaries and to perform his duties with fidelity and to
            the best of his ability. Executive may accept directorships on the
            Board of Directors of profit and nonprofit corporations with the
            prior consent of the Board of Directors of the Company.

5.    Deferred Compensation.

      (a)   The Executive may, from time to time during the term of employment
            hereunder, request that the Company defer the whole or any part of
            his Salary payable under Section 3, provided that such request is
            received by the Company on or before the December 31 of the calendar
            year immediately preceding the calendar year in respect of which
            such Salary is due (or such other date as may be required from time
            to time by applicable law). If so requested by the Executive, the
            Company shall defer payment of the amount so specified and credit on
            the first day of each month during the year in respect of which the
            deferred Salary is due, the pro rata share of the amount of Salary
            deferred for such year to a deferred compensation account
            established on its corporate books of account. Such account shall be
            called the "Richard H. Eskow Deferred Compensation Account" (the
            "Account") and shall be an unfunded, unsecured liability of the
            Company to be satisfied from its general corporate funds. The
            Company agrees to credit the Account semiannually on June 30 and
            December 31 of each year with interest at a rate equal to the rate
            announced from time to time by Morgan Guaranty Trust Company of New
            York as its prime rate.

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      (b)   Except as herein provided in this Section 5(b), the Company shall
            distribute to the Executive all amounts credited to the Account in
            ten (10) approximately equal annual installments commencing on the
            first day of January immediately succeeding the date of termination
            of the Executive's employment under this Agreement for any reason
            whatsoever. In the event of the Executive's death prior to the time
            he shall have received the full amount due under the preceding
            sentence, the remaining payments due under such sentence shall be
            paid on the respective due dates thereof to any beneficiary or
            beneficiaries designated by the Executive to the Company in writing
            or, in the absence of such designation, to the Executive's legal
            representative. It is agreed that the benefits to be paid as
            deferred compensation pursuant to this Section 5 shall not be
            forfeited by the Executive.

      (c)   Nothing contained in this Section 5 and no action taken pursuant to
            this Section 5 shall create or be construed to create a trust of any
            kind for the benefit of any person or a fiduciary relationship
            between the Company and any person.

6.    Benefits During Employment. During the term of Executive's employment
      under this Agreement, the Company shall (a) permit the Executive to
      participate in the Selective Insurance Stock Option Plan and the Selective
      Insurance Stock Option Plan II, Thrift Plan for Employees of Selective
      Insurance Company of America and Subsidiaries, and incentive compensation,
      stock option, stock appreciation right, stock bonus, pension, group
      insurance and other benefit plans, if any, in accordance with the
      respective provisions thereof, from time to time in effect (collectively,
      the "Plans"), and (b) provide the Executive with suitable offices,
      secretarial and other services, and other perquisites applicable to
      executives of the Company, all in accordance with the Company's policies
      with respect thereto from time to time in effect. The Executive shall also
      be entitled, during the term of his employment under this Agreement, to
      vacations and reimbursements for ordinary and necessary travel and
      entertainment expenses in accordance with the Company's policies on such
      matters from time to time in effect.

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7.    Termination.

      (a)   The Executive's employment under this Agreement shall be terminated
            upon the Executive's death or if the Executive shall be adjudicated
            legally incompetent by a court of competent jurisdiction. In such
            event, the Executive or his legal representative shall be entitled
            to receive (i) as severance pay an amount equal to Executive's
            Salary, at the rate in effect at the time of termination of
            employment hereunder, for a period of one (1) year after the date of
            such termination, payable in monthly installments, and (ii) the
            certain benefits provided for in Section 8 hereof, for a period of
            one (1) year after the date of such termination or such shorter
            period as provided in Section 8.

      (b)   The Company may, at its option, terminate the Executive's employment
            under this Agreement if the Executive shall fail, or if the majority
            of the Board of Directors shall find on the basis of medical
            evidence reasonably satisfactory to it that the Executive is unable,
            by virtue of or by reason of some physical or mental impairment, to
            perform his duties hereunder for a period of ninety (90) consecutive
            days or more or for a period of one hundred eighty (180) days or
            more during any 270-day period. In the event that this Agreement is
            terminated pursuant to this paragraph 7(b), Executive shall be
            entitled to receive, in monthly installments, for a period of one
            (1) year from the date of such termination, an amount which,
            together with any disability insurance benefits to which Executive
            is entitled under disability insurance policies with respect to
            which the premiums were paid by the Company, is equal to Executive's
            Salary at the rate in effect at the time of such termination.

            In that regard, Executive, following such termination of this
            Agreement, shall be considered an employee solely for the purpose of
            applying for and receiving disability payments (both the temporary
            and long-term disability) in accordance with the terms and
            conditions of such disability plans in effect at the time.

      (c)   The Company may, at its option upon resolution of a majority of the
            entire Board of Directors, terminate the Executive's employment
            under this Agreement for cause, upon: (A) the Executive's conviction
            of a felony (as evidenced by a binding and final judgment, order or
            decree of a court of competent jurisdiction, in effect after
            exhaustion or lapse of all rights of appeal), (B) the continued
            willful failure by the Executive to perform substantially his duties
            with the Company (other than any such failure resulting from his
            incapacity due to physical injury or physical or mental illness) for
            a period of thirty (30) days after a

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            demand for substantial performance is delivered to the Executive by
            the Board of Directors of the Company which specifically identifies
            the manner in which the Board of Directors believes that the
            Executive has not substantially performed his duties, or (C) willful
            misconduct in the performance of the Executive's duties and
            obligations to the Company which constitute common law fraud or
            other gross malfeasance of duty. In the event of termination of the
            Executive's employment pursuant to this paragraph 7(c), Executive
            shall be entitled to receive (i) his Salary accrued to the date of
            such termination and (ii) benefits accrued to Executive under the
            Plans to the date of such termination, to the extent that such
            benefits may be payable to Executive under the provisions of the
            Plans in effect on the date of termination of employment.

      (d)   Notwithstanding anything to the contrary in this Agreement, the
            Company may, by action duly taken by the Board of Directors,
            terminate the Executive's employment hereunder at any time and for
            any reason. In such event, the Executive, provided he does not
            violate the provisions of Section 9 hereof, shall be entitled to
            receive (i) as severance pay an amount equal to his Salary, at the
            rate in effect at the time of termination of employment hereunder,
            for a period of two (2) years after the date of such termination,
            payable in monthly installments, and (ii) the certain benefits
            provided for in Section 8 hereof, for a period of two (2) years
            after the date of such termination or such shorter period as
            provided in Section 8.

8.    Certain Benefits After Termination of Employment. Upon the termination of
      Executive's employment pursuant to Section 4(a), Section 7(a), Section
      7(b) or Section 7(d) hereof, Executive (or his legal representative) shall
      receive the benefits, if any, to which Executive is entitled under the
      provisions of the Plans in effect at the time of such termination. In
      addition, the Company shall maintain in full force and effect for the
      continued benefit of the Executive and his dependents for a period
      terminating on the earlier of (i) the termination of the period of such
      post-termination benefits set forth in Section 4(a), Section 7(a), Section
      7(b) or Section 7(d), as applicable, or (ii) the commencement date of
      equivalent benefits from a new employer (the "Extended Benefit Period"),
      all insured and self-insured employee welfare benefit plans in which the
      Executive was entitled to participate immediately prior to the date of
      termination, provided that the Executive's continued participation is not
      barred under the general terms and provisions of such plans. In the event
      that the Executive's participation in any such plan is barred by its
      terms, the Company, at its sole cost and expense, shall arrange to have
      issued for the benefit of the Executive and his dependents individual
      policies of insurance providing benefits substantially similar (on an
      after-tax basis) to those which the Executive otherwise would have been
      entitled to receive under such plans pursuant to this Section 8. If, at
      the end of the Extended Benefit Period, the Executive has not previously
      received

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            or is not receiving equivalent benefits from a new employer, or is
            not otherwise receiving such benefits, the Company shall arrange, at
            its sole cost and expense, to enable him to convert his and his
            dependents' coverage under such plans to individual policies or
            programs upon the same terms as employees of the Company may apply
            for such conversions upon termination of employment.

9.    Nondisclosure of Confidential Information and Trade Secrets. The Executive
      agrees that he will not, either during the term of employment under this
      Agreement or thereafter, disclose to any other person or entity any
      confidential information or trade secret of the Company or its
      subsidiaries, except for disclosures to directors, officers, key
      employees, independent accountants and counsel of the Company and its
      subsidiaries as may be necessary or appropriate in the performance of his
      duties hereunder. The Executive agrees not to take with him upon leaving
      the employ of the Company any document or paper relating to any
      confidential information or trade secret of the Company and its
      subsidiaries.

10.   Other Employees. The Executive agrees that, for a period of two (2) years
      after the termination of employment under this Agreement, he will not
      directly or indirectly solicit or induce or attempt to solicit or induce
      or cause any of the employees of the Company or the Company's subsidiaries
      to leave the employ of the Company or of such subsidiaries.

11.   Injunctive Relief. The Executive acknowledges that monetary damages will
      not adequately compensate the Company for any violation of Sections 9 or
      10 hereof and consents to the entry of an injunction in any court of
      competent jurisdiction to enforce the provisions of Section 9 or Section
      10 hereof.

12.   Representations. The Executive represents and warrants that neither the
      execution and delivery of this Agreement nor the performance of his duties
      hereunder violates the provisions of any other agreement to which he is a
      party or by which he is bound.

13.   Nonassignability. No right or benefit under this Agreement shall be
      assigned, transferred, pledged or encumbered (a) by the Executive except
      by a beneficiary designation made in the manner provided herein or by will
      or the laws of descent and distribution, (b) by any beneficiary designated
      in the manner provided herein except by will or the laws of descent and
      distribution, or (c) by the Company except that the Company may assign
      this Agreement and all of its rights hereunder to any entity with which it
      may merge or consolidate or to which it may sell all or substantially all
      of its assets provided said entity shall assume (by contract or by
      operation of law) the Company obligations hereunder. Subject to the
      foregoing, this Agreement shall be binding upon and inure to

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      the benefit of the Company, its successors and assigns, and the Executive,
      his heirs, legal representatives and any beneficiary or beneficiaries
      designated hereunder.

14.   Notice. Any notice, request, or other communication given hereunder shall
      be in writing, and, if given by the Executive to the Company, shall be
      delivered personally or sent by certified or registered mail, return
      receipt requested, postage prepaid, addressed to the Company at Wantage
      Avenue, Branchville, New Jersey 07890, Attention: President. If given by
      the Company to the Executive, it shall be delivered personally or sent by
      certified or registered mail, return receipt requested, postage prepaid,
      addressed to the Executive at Executive's address hereinabove set forth.
      Either party may change the address to which notices, requests and other
      communications are to be addressed by notice given to the other in
      accordance with the provisions of this Section 14. Notices, requests and
      other communications shall be deemed to be given when received, which, in
      the case of notice given by mail, shall be the time indicated on the
      receipt therefor.

15.   Severability. If any provision of this Agreement shall be declared to be
      invalid or unenforceable, in whole or in part, such invalidity and
      unenforceability shall not affect the remaining provisions hereof which
      shall remain in full force and effect.

16.   Governing Law. This Agreement shall be governed by and construed in
      accordance with the laws of the State of New Jersey applicable to
      contracts made and performed in New Jersey.

            IN WITNESS WHEREOF, this Agreement has been duly executed by the
Executive and on behalf of the Company by its duly authorized officer, all as of
the day and year first above written.

                                        SELECTIVE INSURANCE COMPANY OF AMERICA

                                        By:_____________________________________
                                           Gregory E. Murphy,
                                           Chairman, President and Chief
                                           Executive Officer

                                        ________________________________________
                                        Richard H. Eskow
<PAGE>   8

      In consideration of the covenants of the Executive hereinabove set forth,
Selective Insurance Group, Inc., holder of all of the issued and outstanding
capital stock of the Company, hereby guarantees to the Executive the full
performance by the Company of all of its obligations under the foregoing
Employment Agreement.

                                        SELECTIVE INSURANCE GROUP, INC.

                                        By:_____________________________________
                                           Gregory E. Murphy,
                                           Chairman, President and Chief
                                           Executive Officer

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