S&P 500   5,061.82
DOW   37,735.11
QQQ   431.06
3 Energy Plays for Cash Flow: Buy 1 or Buy Them All
M&T Bank, Goldman Sachs rise; Salesforce, Tesla fall, Monday, 4/15/2024
When Will the Next Bull Market Be?
The Charles Schwab Company Can Hit New Highs
Global smartphone shipments climb nearly 8% in 1st quarter as Samsung retakes the lead
Closing prices for crude oil, gold and other commodities
Retail sales surge 0.7% in March as Americans seem unfazed by higher prices with jobs plentiful
S&P 500   5,061.82
DOW   37,735.11
QQQ   431.06
3 Energy Plays for Cash Flow: Buy 1 or Buy Them All
M&T Bank, Goldman Sachs rise; Salesforce, Tesla fall, Monday, 4/15/2024
When Will the Next Bull Market Be?
The Charles Schwab Company Can Hit New Highs
Global smartphone shipments climb nearly 8% in 1st quarter as Samsung retakes the lead
Closing prices for crude oil, gold and other commodities
Retail sales surge 0.7% in March as Americans seem unfazed by higher prices with jobs plentiful
S&P 500   5,061.82
DOW   37,735.11
QQQ   431.06
3 Energy Plays for Cash Flow: Buy 1 or Buy Them All
M&T Bank, Goldman Sachs rise; Salesforce, Tesla fall, Monday, 4/15/2024
When Will the Next Bull Market Be?
The Charles Schwab Company Can Hit New Highs
Global smartphone shipments climb nearly 8% in 1st quarter as Samsung retakes the lead
Closing prices for crude oil, gold and other commodities
Retail sales surge 0.7% in March as Americans seem unfazed by higher prices with jobs plentiful
S&P 500   5,061.82
DOW   37,735.11
QQQ   431.06
3 Energy Plays for Cash Flow: Buy 1 or Buy Them All
M&T Bank, Goldman Sachs rise; Salesforce, Tesla fall, Monday, 4/15/2024
When Will the Next Bull Market Be?
The Charles Schwab Company Can Hit New Highs
Global smartphone shipments climb nearly 8% in 1st quarter as Samsung retakes the lead
Closing prices for crude oil, gold and other commodities
Retail sales surge 0.7% in March as Americans seem unfazed by higher prices with jobs plentiful

Compare Stocks

Comparative Price Performance Over Time

Compare Stocks - Price & Volume

CompanyCurrent Price50-Day Moving Average52-Week RangeMarket CapBetaAvg. VolumeToday's Volume
Horace Mann Educators Co. stock logo
HMN
Horace Mann Educators
$34.14
0.0%
$35.98
$27.81
$38.29
$1.40B0.28190,619 shs163,907 shs
Lemonade, Inc. stock logo
LMND
Lemonade
$16.36
-2.5%
$16.85
$10.27
$24.81
$1.18B1.891.17 million shs1.91 million shs
Palomar Holdings, Inc. stock logo
PLMR
Palomar
$75.21
+1.1%
$75.52
$46.09
$86.25
$1.85B0.21142,374 shs94,684 shs
ProAssurance Co. stock logo
PRA
ProAssurance
$13.03
-1.7%
$12.76
$11.76
$19.38
$675.85M0.24298,507 shs198,032 shs
Safety Insurance Group, Inc. stock logo
SAFT
Safety Insurance Group
$78.93
+1.1%
$81.64
$65.78
$88.72
$1.16B0.1941,097 shs49,525 shs
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Price Performance

Company1-Day Performance7-Day Performance30-Day Performance90-Day Performance1-Year Performance
Horace Mann Educators Co. stock logo
HMN
Horace Mann Educators
-0.03%-4.26%-3.07%+3.20%+4.53%
Lemonade, Inc. stock logo
LMND
Lemonade
-2.50%-3.88%+0.74%+3.28%+26.04%
Palomar Holdings, Inc. stock logo
PLMR
Palomar
+1.08%-4.09%-8.30%+23.19%+39.41%
ProAssurance Co. stock logo
PRA
ProAssurance
-1.73%+0.27%+8.76%+6.72%-28.01%
Safety Insurance Group, Inc. stock logo
SAFT
Safety Insurance Group
+1.06%+1.10%-4.25%+4.17%+6.09%

MarketRank™

CompanyOverall ScoreAnalyst's OpinionShort Interest ScoreDividend StrengthESG ScoreNews and Social Media SentimentCompany OwnershipEarnings & Valuation
Horace Mann Educators Co. stock logo
HMN
Horace Mann Educators
3.8925 of 5 stars
2.33.04.20.02.22.53.1
Lemonade, Inc. stock logo
LMND
Lemonade
2.0114 of 5 stars
0.91.00.03.22.54.20.6
Palomar Holdings, Inc. stock logo
PLMR
Palomar
4.3666 of 5 stars
3.34.00.00.03.83.33.1
ProAssurance Co. stock logo
PRA
ProAssurance
4.7243 of 5 stars
3.35.00.02.83.31.72.5
Safety Insurance Group, Inc. stock logo
SAFT
Safety Insurance Group
2.3173 of 5 stars
0.05.01.71.92.92.50.6

Analyst Ratings

CompanyConsensus Rating ScoreConsensus RatingConsensus Price Target% Upside from Current Price
Horace Mann Educators Co. stock logo
HMN
Horace Mann Educators
2.50
Moderate Buy$39.5015.70% Upside
Lemonade, Inc. stock logo
LMND
Lemonade
1.86
Reduce$17.114.59% Upside
Palomar Holdings, Inc. stock logo
PLMR
Palomar
2.57
Moderate Buy$87.5016.34% Upside
ProAssurance Co. stock logo
PRA
ProAssurance
2.67
Moderate Buy$17.0030.47% Upside
Safety Insurance Group, Inc. stock logo
SAFT
Safety Insurance Group
N/AN/AN/AN/A

Current Analyst Ratings

Latest PLMR, HMN, SAFT, PRA, and LMND Analyst Ratings

DateCompanyBrokerageActionRatingPrice TargetDetails
4/15/2024
Lemonade, Inc. stock logo
LMND
Lemonade
JMP Securities
Subscribe to MarketBeat All Access for the recommendation accuracy rating
Reiterated RatingMarket Outperform ➝ Market Outperform$40.00
4/15/2024
Palomar Holdings, Inc. stock logo
PLMR
Palomar
JMP Securities
Subscribe to MarketBeat All Access for the recommendation accuracy rating
Reiterated RatingMarket Perform
4/15/2024
ProAssurance Co. stock logo
PRA
ProAssurance
JMP Securities
Subscribe to MarketBeat All Access for the recommendation accuracy rating
Reiterated RatingMarket Outperform ➝ Market Outperform$22.00
4/11/2024
Palomar Holdings, Inc. stock logo
PLMR
Palomar
Evercore ISI
Subscribe to MarketBeat All Access for the recommendation accuracy rating
Boost Price TargetIn-Line ➝ In-Line$68.00 ➝ $86.00
4/10/2024
Palomar Holdings, Inc. stock logo
PLMR
Palomar
Keefe, Bruyette & Woods
Subscribe to MarketBeat All Access for the recommendation accuracy rating
Boost Price TargetOutperform ➝ Outperform$88.00 ➝ $89.00
4/8/2024
Palomar Holdings, Inc. stock logo
PLMR
Palomar
JPMorgan Chase & Co.
Subscribe to MarketBeat All Access for the recommendation accuracy rating
DowngradeOverweight ➝ Neutral$79.00 ➝ $85.00
4/5/2024
Horace Mann Educators Co. stock logo
HMN
Horace Mann Educators
Piper Sandler
Subscribe to MarketBeat All Access for the recommendation accuracy rating
Lower Price TargetNeutral ➝ Neutral$40.00 ➝ $39.00
4/1/2024
Palomar Holdings, Inc. stock logo
PLMR
Palomar
Piper Sandler
Subscribe to MarketBeat All Access for the recommendation accuracy rating
Boost Price TargetOverweight ➝ Overweight$80.00 ➝ $89.00
3/14/2024
Palomar Holdings, Inc. stock logo
PLMR
Palomar
Jefferies Financial Group
Subscribe to MarketBeat All Access for the recommendation accuracy rating
UpgradeHold ➝ Buy$78.00 ➝ $88.00
3/4/2024
Lemonade, Inc. stock logo
LMND
Lemonade
Keefe, Bruyette & Woods
Subscribe to MarketBeat All Access for the recommendation accuracy rating
Boost Price TargetMarket Perform ➝ Market Perform$16.00 ➝ $18.00
3/4/2024
ProAssurance Co. stock logo
PRA
ProAssurance
Piper Sandler
Subscribe to MarketBeat All Access for the recommendation accuracy rating
Lower Price TargetOverweight ➝ Overweight$16.00 ➝ $15.00
(Data available from 4/16/2021 forward. View 10+ years of historical ratings with our analyst ratings screener.)

Sales & Book Value

CompanyAnnual RevenuePrice/SalesCashflowPrice/CashBook ValuePrice/Book
Horace Mann Educators Co. stock logo
HMN
Horace Mann Educators
$1.49B0.94$2.20 per share15.49$28.78 per share1.19
Lemonade, Inc. stock logo
LMND
Lemonade
$429.80M2.67N/AN/A$10.14 per share1.61
Palomar Holdings, Inc. stock logo
PLMR
Palomar
$375.93M4.99$3.46 per share21.75$19.08 per share3.94
ProAssurance Co. stock logo
PRA
ProAssurance
$1.14B0.58$1.21 per share10.76$21.82 per share0.60
Safety Insurance Group, Inc. stock logo
SAFT
Safety Insurance Group
$930.96M1.26$1.30 per share60.94$54.37 per share1.45

Profitability & Earnings

CompanyNet IncomeEPSTrailing P/E RatioForward P/E RatioP/E GrowthNet MarginsReturn on Equity (ROE)Return on Assets (ROA)Next Earnings Date
Horace Mann Educators Co. stock logo
HMN
Horace Mann Educators
$45M$1.0831.619.10N/A3.02%5.71%0.47%5/8/2024 (Confirmed)
Lemonade, Inc. stock logo
LMND
Lemonade
-$236.90M-$3.41N/AN/AN/A-55.12%-31.29%-14.50%4/30/2024 (Confirmed)
Palomar Holdings, Inc. stock logo
PLMR
Palomar
$79.20M$3.1224.1116.10N/A21.07%19.35%5.24%5/1/2024 (Estimated)
ProAssurance Co. stock logo
PRA
ProAssurance
-$38.60M-$0.74N/A24.58N/A-3.39%-0.53%-0.10%5/6/2024 (Confirmed)
Safety Insurance Group, Inc. stock logo
SAFT
Safety Insurance Group
$18.88M$1.2762.15N/A2.03%1.56%0.61%5/1/2024 (Estimated)

Latest PLMR, HMN, SAFT, PRA, and LMND Earnings

DateQuarterCompanyConsensus EstimateReported EPSBeat/MissGap EPSRevenue EstimateActual RevenueDetails
5/8/2024N/A
Horace Mann Educators Co. stock logo
HMN
Horace Mann Educators
$0.76N/A-$0.76N/AN/AN/A  
5/6/2024N/A
ProAssurance Co. stock logo
PRA
ProAssurance
$0.04N/A-$0.04N/AN/AN/A  
4/30/2024N/A
Lemonade, Inc. stock logo
LMND
Lemonade
-$0.82N/A+$0.82N/AN/AN/A  
2/27/2024Q4 2023
Lemonade, Inc. stock logo
LMND
Lemonade
-$0.79-$0.61+$0.18-$0.61$111.71 million$115.50 million    
2/27/2024Q4 2023
ProAssurance Co. stock logo
PRA
ProAssurance
$0.04-$0.05-$0.09-$0.22$252.74 million$296.96 million    
2/27/2024Q4 2023
Safety Insurance Group, Inc. stock logo
SAFT
Safety Insurance Group
N/A$0.30+$0.30-$0.23N/A$258.40 million
2/14/2024Q4 2023
Palomar Holdings, Inc. stock logo
PLMR
Palomar
$0.85$0.94+$0.09$0.86$95.07 million$102.35 million
2/7/2024Q4 2023
Horace Mann Educators Co. stock logo
HMN
Horace Mann Educators
$0.65$0.84+$0.19$0.73$394.40 million$402.90 million

Dividends

CompanyAnnual PayoutDividend Yield3-Year Dividend GrowthPayout RatioYears of Consecutive Growth
Horace Mann Educators Co. stock logo
HMN
Horace Mann Educators
$1.363.98%+3.23%125.93%16 Years
Lemonade, Inc. stock logo
LMND
Lemonade
N/AN/AN/AN/AN/A
Palomar Holdings, Inc. stock logo
PLMR
Palomar
N/AN/AN/AN/AN/A
ProAssurance Co. stock logo
PRA
ProAssurance
N/AN/A+64.23%N/AN/A
Safety Insurance Group, Inc. stock logo
SAFT
Safety Insurance Group
$3.604.56%N/A283.47%N/A

Latest PLMR, HMN, SAFT, PRA, and LMND Dividends

AnnouncementCompanyPeriodAmountYieldEx-Dividend DateRecord DatePayable Date
3/4/2024
Horace Mann Educators Co. stock logo
HMN
Horace Mann Educators
Quarterly$0.343.82%3/14/20243/15/20243/29/2024
2/15/2024
Safety Insurance Group, Inc. stock logo
SAFT
Safety Insurance Group
Quarterly$0.904.17%2/29/20243/1/20243/15/2024
(Data available from 1/1/2013 forward)

Debt

CompanyDebt-to-Equity RatioCurrent RatioQuick Ratio
Horace Mann Educators Co. stock logo
HMN
Horace Mann Educators
0.46
0.09
0.09
Lemonade, Inc. stock logo
LMND
Lemonade
N/A
0.97
0.97
Palomar Holdings, Inc. stock logo
PLMR
Palomar
N/A
0.49
0.49
ProAssurance Co. stock logo
PRA
ProAssurance
0.38
0.27
0.27
Safety Insurance Group, Inc. stock logo
SAFT
Safety Insurance Group
0.04
0.38
0.38

Ownership

Institutional Ownership

CompanyInstitutional Ownership
Horace Mann Educators Co. stock logo
HMN
Horace Mann Educators
99.28%
Lemonade, Inc. stock logo
LMND
Lemonade
80.30%
Palomar Holdings, Inc. stock logo
PLMR
Palomar
90.25%
ProAssurance Co. stock logo
PRA
ProAssurance
85.58%
Safety Insurance Group, Inc. stock logo
SAFT
Safety Insurance Group
81.04%

Insider Ownership

CompanyInsider Ownership
Horace Mann Educators Co. stock logo
HMN
Horace Mann Educators
3.60%
Lemonade, Inc. stock logo
LMND
Lemonade
11.70%
Palomar Holdings, Inc. stock logo
PLMR
Palomar
4.40%
ProAssurance Co. stock logo
PRA
ProAssurance
0.97%
Safety Insurance Group, Inc. stock logo
SAFT
Safety Insurance Group
2.00%

Miscellaneous

CompanyEmployeesShares OutstandingFree FloatOptionable
Horace Mann Educators Co. stock logo
HMN
Horace Mann Educators
1,70040.94 million39.46 millionOptionable
Lemonade, Inc. stock logo
LMND
Lemonade
1,25870.22 million62.01 millionOptionable
Palomar Holdings, Inc. stock logo
PLMR
Palomar
21324.92 million23.82 millionOptionable
ProAssurance Co. stock logo
PRA
ProAssurance
1,09450.97 million50.48 millionOptionable
Safety Insurance Group, Inc. stock logo
SAFT
Safety Insurance Group
53914.84 million14.54 millionOptionable

PLMR, HMN, SAFT, PRA, and LMND Headlines

SourceHeadline
Safety Insurance Group (NASDAQ:SAFT) Shares Cross Above 200-Day Moving Average of $78.01Safety Insurance Group (NASDAQ:SAFT) Shares Cross Above 200-Day Moving Average of $78.01
americanbankingnews.com - April 12 at 2:22 AM
Safety Insurance Group (NASDAQ:SAFT) Stock Price Crosses Above Two Hundred Day Moving Average of $78.01Safety Insurance Group (NASDAQ:SAFT) Stock Price Crosses Above Two Hundred Day Moving Average of $78.01
marketbeat.com - April 12 at 2:18 AM
Safety Insurance Group, Inc.s (NASDAQ:SAFT) Stock Financial Prospects Look Bleak: Should Shareholders Be Prepared For A Share Price Correction?Safety Insurance Group, Inc.'s (NASDAQ:SAFT) Stock Financial Prospects Look Bleak: Should Shareholders Be Prepared For A Share Price Correction?
finance.yahoo.com - March 28 at 11:06 AM
Safety Insurance Group, Inc. (NASDAQ:SAFT) VP Sells $71,415.00 in StockSafety Insurance Group, Inc. (NASDAQ:SAFT) VP Sells $71,415.00 in Stock
insidertrades.com - March 17 at 8:37 AM
Initiative to improve insurance availability for buildings with fire safety riskInitiative to improve insurance availability for buildings with fire safety risk
msn.com - March 13 at 12:21 PM
SAFT Mar 2024 130.000 callSAFT Mar 2024 130.000 call
finance.yahoo.com - March 12 at 9:16 PM
Safety Insurance Group Full Year 2023 Earnings: EPS: US$1.29 (vs US$3.17 in FY 2022)Safety Insurance Group Full Year 2023 Earnings: EPS: US$1.29 (vs US$3.17 in FY 2022)
finance.yahoo.com - February 29 at 8:27 AM
Safety Insurance Group Inc (SAFT) Reports Mixed Results Amid Inflationary PressuresSafety Insurance Group Inc (SAFT) Reports Mixed Results Amid Inflationary Pressures
finance.yahoo.com - February 27 at 4:22 PM
Safety Insurance Group, Inc. Announces Fourth Quarter and Year Ended 2023 ResultsSafety Insurance Group, Inc. Announces Fourth Quarter and Year Ended 2023 Results
businesswire.com - February 27 at 4:05 PM
Why It Might Not Make Sense To Buy Safety Insurance Group, Inc. (NASDAQ:SAFT) For Its Upcoming DividendWhy It Might Not Make Sense To Buy Safety Insurance Group, Inc. (NASDAQ:SAFT) For Its Upcoming Dividend
finance.yahoo.com - February 24 at 9:06 AM
Safety Insurance Group (NASDAQ:SAFT) Is Due To Pay A Dividend Of $0.90Safety Insurance Group (NASDAQ:SAFT) Is Due To Pay A Dividend Of $0.90
finance.yahoo.com - February 23 at 9:40 AM
Safety Insurance Group Stock (NASDAQ:SAFT), Quotes and News SummarySafety Insurance Group Stock (NASDAQ:SAFT), Quotes and News Summary
benzinga.com - February 23 at 12:53 AM
How to Find the Best the Life Insurance PolicyHow to Find the Best the Life Insurance Policy
msn.com - February 21 at 9:12 AM
Safety Insurance Group sets quarterly dividend at $0.90 per shareSafety Insurance Group sets quarterly dividend at $0.90 per share
investing.com - February 19 at 12:31 AM
Safety Insurance Declares First Quarter 2024 Dividend and Timing of Year-End 2023 ResultsSafety Insurance Declares First Quarter 2024 Dividend and Timing of Year-End 2023 Results
finance.yahoo.com - February 16 at 3:08 PM
Safety Insurance Declares First Quarter 2024 Dividend and Timing of Year-End 2023 ResultsSafety Insurance Declares First Quarter 2024 Dividend and Timing of Year-End 2023 Results
businesswire.com - February 16 at 10:30 AM
Safety Insurance Group Inc.Safety Insurance Group Inc.
wsj.com - February 14 at 6:52 PM
Safety Insurance Group, Inc. (SAFT)Safety Insurance Group, Inc. (SAFT)
finance.yahoo.com - February 9 at 8:55 AM
With 80% ownership of the shares, Safety Insurance Group, Inc. (NASDAQ:SAFT) is heavily dominated by institutional ownersWith 80% ownership of the shares, Safety Insurance Group, Inc. (NASDAQ:SAFT) is heavily dominated by institutional owners
finance.yahoo.com - February 3 at 8:05 AM
Self-insurance for homeownersSelf-insurance for homeowners
insurancenewsnet.com - February 2 at 8:36 PM
Shareholders in Safety Insurance Group (NASDAQ:SAFT) are in the red if they invested a year agoShareholders in Safety Insurance Group (NASDAQ:SAFT) are in the red if they invested a year ago
finance.yahoo.com - November 29 at 12:58 PM
Safety Insurance: A Question Of True Safety In Turbulent Insurance MarketsSafety Insurance: A Question Of True Safety In Turbulent Insurance Markets
seekingalpha.com - November 18 at 10:09 AM
Safety Insurance Group, Inc. Announces Third Quarter 2023 Results and Declares Fourth Quarter 2023 DividendSafety Insurance Group, Inc. Announces Third Quarter 2023 Results and Declares Fourth Quarter 2023 Dividend
finance.yahoo.com - November 1 at 5:36 PM
Safety Insurance Group Inc (SAFT) Reports Q3 2023 Earnings, Net Income Drops to $1.9 MillionSafety Insurance Group Inc (SAFT) Reports Q3 2023 Earnings, Net Income Drops to $1.9 Million
finance.yahoo.com - November 1 at 5:36 PM

New MarketBeat Followers Over Time

Media Sentiment Over Time

Company Descriptions

Horace Mann Educators logo

Horace Mann Educators

NYSE:HMN
Horace Mann Educators Corporation, together with its subsidiaries, operates as an insurance holding company in the United States. The company operates through Property & Casualty, Life & Retirement, and Supplemental & Group Benefits segments. Its Property & Casualty segment offers insurance products, including private passenger auto insurance, residential home insurance, and personal umbrella insurance; and provides auto coverages including liability and collision, and property coverage for homeowners and renters. The Life & Retirement segment markets tax-qualified fixed, fixed indexed, and variable annuities; and internal revenue code for educator, which allows public school employees and employees of other tax-exempt organizations, such as not-for-profit private schools, to utilize pretax income to make periodic contributions to a qualified retirement plan. The Supplemental & Group Benefits segment offers employer-sponsored products including accident, critical illness, limited-benefit fixed indemnity insurance, term life, and short-term and long-term disability, as well as worksite direct products, such as supplemental heart, cancer, disability, and accident coverage. The company was founded in 1945 and is headquartered in Springfield, Illinois.
Lemonade logo

Lemonade

NYSE:LMND
Lemonade, Inc. provides various insurance products through various channels in the United States, Europe, and the United Kingdom. Its insurance products include stolen or damaged property, and personal liability that protects its customers if they are responsible for an accident or damage to another person or their property. The company also offers renters, homeowners, car, pet, and life insurance products, as well as landlord insurance policies. In addition, it operates as an agent for other insurance companies. The company was formerly known as Lemonade Group, Inc. and changed its name to Lemonade, Inc. Lemonade, Inc. was incorporated in 2015 and is headquartered in New York, New York.
Palomar logo

Palomar

NASDAQ:PLMR
Palomar Holdings, Inc., a specialty insurance company, provides property and casualty insurance to residential and businesses in the United States. The company offers personal and commercial specialty property insurance products, including residential and commercial earthquake, fronting, commercial all risk, specialty homeowners, inland marine, Hawaii hurricane, and residential flood, as well as other products, such as assumed reinsurance. It markets and distributes its products through retail agents, wholesale brokers, program administrators, and carrier partnerships. The company was formerly known as GC Palomar Holdings and changed its name to Palomar Holdings, Inc. The company was incorporated in 2013 and is headquartered in La Jolla, California.
ProAssurance logo

ProAssurance

NYSE:PRA
ProAssurance Corporation, through its subsidiaries, provides property and casualty insurance, and reinsurance products in the United States. The company operates through Specialty Property and Casualty, Workers' Compensation Insurance, and Segregated Portfolio Cell Reinsurance segments. It offers professional liability insurance to healthcare providers and institutions, and attorneys and their firms; medical technology liability insurance to medical technology and life sciences companies; and custom alternative risk solutions, including assumed reinsurance, loss portfolio transfers, and captive cell programs for healthcare professional liability insureds. The company also provides workers' compensation insurance products, such as guaranteed cost policies, policyholder dividend policies, retrospectively rated policies, and deductible policies, as well as alternative market solutions that include program design, fronting, claims administration, risk management, SPC rental, asset management, and SPC management services for individual companies, agencies, groups, and associations. The company also participates in Syndicate 1729 at Lloyd's of London for underwriting. It markets its products through independent agencies and brokers, as well as an internal business development team. The company was founded in 1976 and is headquartered in Birmingham, Alabama.
Safety Insurance Group logo

Safety Insurance Group

NASDAQ:SAFT
Safety Insurance Group, Inc. provides private passenger and commercial automobile, and homeowner insurance in the United States. The company's private passenger automobile policies offer coverage for bodily injury and property damage to others, no-fault personal injury coverage for the insured/insured's car occupants, and physical damage coverage for an insured's own vehicle for collision or other perils. It also provides commercial automobile policies that offer insurance for commercial vehicles used for business purposes, including private passenger-type vehicles, trucks, tractors and trailers, insure individual vehicles, and commercial fleets; and homeowners policies, which provide coverage for homes, condominiums, and apartments for losses to a dwelling and its contents from various perils, and coverage for liability to others arising from ownership or occupancy. In addition, the company offers business owners policies that cover apartments and residential condominiums, restaurants, office condominiums, processing and services businesses, special trade contractors, and wholesalers. Further, it provides personal umbrella policies, which provide personal excess liability coverage over and above the limits of individual automobile, watercraft, and homeowner's insurance policies; and commercial umbrella, which offers an excess liability product to clients, as well as underwrites dwelling fire insurance for non-owner-occupied residences. Additionally, the company offers inland marine coverage for homeowners and business owner policies, and watercraft coverage for small and medium sized pleasure crafts. It distributes its products through independent agents. The company was formerly known as Safety Holdings Inc and changed its name to Safety Insurance Group, Inc. in April 2002. Safety Insurance Group, Inc. was founded in 1979 and is headquartered in Boston, Massachusetts.