Safety Insurance Group Inc. is a provider of private passenger automobile insurance in Massachusetts. In addition to private passenger automobile insurance (which represented 81.5% of direct written premiums in 2002), the Company offers a portfolio of property and casualty insurance products, including commercial automobile, homeowners, dwelling fire, umbrella and business owner policies. Operating exclusively in Massachusetts through its insurance subsidiaries, Safety Insurance Company and Safety Indemnity Insurance Company, the Company has established strong relationships with 524 independent insurance agents in 627 locations throughout Massachusetts.