Safety Insurance Group is a leading provider of private passenger automobile insurance in Massachusetts. In addition to private passenger automobile insurance (which represented 83.1% of their direct written premiums in 2001), they offer a portfolio of property and casualty insurance products, including commercial automobile, homeowners, dwelling fire, umbrella and business owner policies. Operating exclusively in Massachusetts through their insurance subsidiaries, Safety Insurance and Safety Indemnity Insurance Company, they have established strong relationships with approximately 500 independent insurance agents in approximately 600 locations throughout Massachusetts. They have used these relationships and their extensive knowledge of the Massachusetts market to become the third largest private passenger carrier, capturing a 10.4% share of the Massachusetts private passenger automobile insurance market in 2001, according to statistics compiled by CAR.