Safety Insurance Group, Inc. is a provider of personal lines property and casualty insurance focused primarily on the Massachusetts market. The Company is a provider of private passenger automobile insurance in Massachusetts. In addition to private passenger automobile insurance, it offers a portfolio of property and casualty insurance products, including commercial automobile, homeowners, dwelling fire, umbrella and business owner policies. The Company operates in Massachusetts and New Hampshire through its insurance company subsidiaries, Safety Insurance Company (Safety Insurance), Safety Indemnity Insurance Company (Safety Indemnity) and Safety Property and Casualty Insurance Company (Safety P&C). During the year ended December 31, 2011, it obtained approximately 91.7% of its direct written premiums for automobile insurance and 100% of its direct written premiums for all of its other lines of business through its voluntary agents.