SAFETY INSURANCE GROUP INC
Safety Insurance Group, Inc. (NASDAQ: SAFT) operates as a leading regional property and casualty insurance provider headquartered in Massachusetts. The company's website is www.SafetyInsurance.com. From the company’s description.
Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.
What SAFETY INSURANCE GROUP INC does
In the company’s own words
Safety Insurance Group, Inc. (NASDAQ: SAFT) operates as a leading regional property and casualty insurance provider headquartered in Massachusetts. The company's website is www.SafetyInsurance.com.
Safety Insurance specializes in private passenger automobile, commercial automobile, and homeowners insurance, with additional offerings including dwelling fire, umbrella, and business owner policies. The company operates exclusively in Massachusetts, New Hampshire, and Maine through four insurance subsidiaries: Safety Insurance Company, Safety Indemnity Insurance Company, Safety Property and Casualty Insurance Company, and Safety Northeast Insurance Company. As of 2025, Safety Insurance held approximately 9.4% of the Massachusetts private passenger automobile market, 13.0% of the commercial automobile market, and 7.0% of the homeowners market, ranking as the fourth largest private passenger auto carrier, the largest commercial auto carrier, and the third largest homeowners carrier in Massachusetts.
The company distributes its products exclusively through independent insurance agents rather than direct channels or brokers. Safety maintains relationships with 797 independent agents operating across 1,063 locations throughout its three-state service area, supported by approximately 10,853 customer service representatives. Private passenger automobile insurance represents 54.9% of direct written premiums, commercial automobile comprises 15.2%, and homeowners accounts for 25.2%, with remaining lines including business owners, personal umbrella, dwelling fire, and commercial umbrella policies.
Safety Insurance generated total direct written premiums of $1.28 billion in 2025, reflecting growth from $1.19 billion in 2024 and $991 million in 2023. The company has maintained profitability in 44 of its 45 years since inception in 1979, demonstrating consistent underwriting discipline and operational excellence. Safety has invested substantially in technology infrastructure, including modernized core systems, robotic process automation, artificial intelligence capabilities, and cloud-based platforms designed to enhance agent and customer experiences while improving operational efficiencies. The company's competitive advantages include deep institutional knowledge of regional markets, strong agent relationships, disciplined underwriting practices, and continuous technology innovation positioning it to compete effectively in the evolving insurance marketplace.
Company details
- Sector
- Financials
- Industry
- Property & Casualty Insurance
- Headquarters
- BOSTON, MA
- Fiscal year end
- December
- CIK
- 1172052
- SIC
- 6331
Financial performance, year by year
Fiscal 2013–2025 · USDThe full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.
Who owns SAFETY INSURANCE GROUP INC — and what changed
Funds as of 2026Q2 · superinvestors as of 2026-06-30
Largest fund holders · SAFETY INSURANCE GROUP INC’s weight in each
Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.
Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.
Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.
Recent filings
All filings →Each filing opens into its own statements and disclosures here.
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