Safety Insurance Review & Complaints: Auto, Home, Umbrella & Commercial Insurance

Safety Insurance company writes a lineup of personal and commercial policies including auto, home, and umbrella coverage. Safety quotes are not available online, but the company has a good online reputation with an A+ rating from the Better Business Bureau and 31 complaints in the last 3 years from reviews.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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Written by Eric Stauffer
Founder & Former Insurance Agent Eric Stauffer

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Mar 14, 2022

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Safety Insurance

Financial Strength

One of the biggest property & casualty insurance companies in Massachusetts, Safety Insurance has a solid range of personal and commercial products. This local company focuses on the Massachusetts, New Hampshire, and Maine markets through agents.

What is Safety Insurance?

Safety was founded in 1979 in Boston, MA. Over the past several decades they have expanded their product lineup as well as their operating territory into New Hampshire and Maine. Safety has grown to be the second-largest local auto carrier in Massachusetts by market share.

In addition to auto insurance, the insurance carrier writes home insurance, umbrella insurance, and commercial coverage options for businesses. Most products are available in all three states, although coverage details may differ.

Safety products are sold exclusively through a network of independent agents. The insurer does not offer online quotes, however, the website does offer a customer support system that allows policyholders to log-in and manage account information.

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What insurance products are offered?

Safety insurance agents write a lineup of personal and commercial lines policies. While they are not quite a one-stop-shop, they do cover the basics for standard coverage in multiple lines, with the notable exception of life insurance.

Auto Insurance

Safety writes auto insurance in Massachusetts, New Hampshire, and Maine. Their policies include basic liability coverage with a few upgrade packages that can be added to for additional coverage. These upgrade packages differ depending on the state.


For Massachusetts, Safety offers two package upgrades, Safety Shield and Safety Shield Plus.

Safety Shield adds the following upgrades:

  • Disappearing deductible
  • Rental vehicle loss of income coverage
  • Guaranteed replacement cost
  • Personal property coverage
  • Emergency travel expenses coverage
  • Supplemental towing and labor
  • Air bag mechanical failure
  • Extended substitute transportation coverage

Safety Shield Plus adds everything in the Safety Shield package, as well as:

  • Accident forgiveness
  • Extended personal property coverage
  • Pet medical
  • Seat belt coverage
  • Bail Bonds

New Hampshire & Maine:

For New Hampshire & Maine, Safety offers only the Safety Shield package, and coverage differs.

The package includes:

  • Collision waiver of deductible
  • Full glass coverage
  • Emergency travel expenses coverage
  • Airbag mechanical failure
  • Extended substitute transportation coverage
  • Lock In Value (Guaranteed Replacement Cost)

Loan or lease gap coverage is available in both states as an add-on.

There are a variety of discounts available, including multi-policy, which vary slightly between the two states, student discounts, loyalty discounts, and more. Discount percentages and billing options differ between states as well.

Home Insurance

Safety writes homeowner’s insurance in all three states with the following coverage level options available, building on standard homeowner’s coverage:

  • Safety Select
  • Supreme
  • Supreme Plus
  • Complete

Each level has different premium rates, coverage, and features. Safety also writes a home insurance policy for condo owners, designed to meet their particular needs.

Dwelling Fire policies are also available to cover non-owner occupied homes; these policies provide coverage for landlords.

Auto/home discounts are available with all home insurance types, but the discount is much larger for homeowner’s than for dwelling fire.

Additional Products

Umbrella Insurance

Safety writes personal umbrella and commercial umbrella in all three states. Coverage limits from $1 million up to $5 million are available for added liability beyond the limits of underlying policies.

Commercial Insurance

Safety writes Business Owner policies, Commercial Auto, and Commercial Package (package only available in Massachusetts) policies to meet the needs of a variety of business types.

Are Safety’s rates affordable?

Safety does not offer online quotes which makes it difficult to obtain easy comparisons to other companies. Quotes are only available through local agents.

As a local insurance company selling policies through insurance agents, Safety is unlikely to be the cheapest insurer on the block; agent commissions are usually a sign of somewhat higher rates. They do offer plenty of discount options and have a pretty high discount for auto/home bundling, therefore rates will be far more competitive for those who choose to insure both with Safety.

Safety is likely most competitive with insurance companies that are also regional, rather than large national companies.

How are claims handled?

Claims can be filed with Safety one of three ways: You can contact Safety through the agent, by calling their 24-hour toll-free line, or with the online claim reporting form, which is located in the customer account section of the website. The online reporting option puts Safety ahead of many regional insurers, and even some national ones; this is a feature today’s insurance customer expects to see.

Safety also offers its VIP Claims service, which is a start-to-finish service designed to make claims handling easier. Customers can contact Safety, then drop off their vehicle at a VIP claims center, where the company can arrange to have a rental car ready. Contact Safety and it will handle everything until the car is ready for pickup, usually within a week.

Drive-in appraisals are also available at Safety’s VIP claims centers. Customers can also choose to have repairs done at a non-affiliated repair center, or simply accept a settlement check.

Safety’s website offers a claims FAQ section for different types of claims to help walk customers through the process and answer questions.

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Are there customer complaints against the company?

Safety Insurance has an A+ rating with the BBB and has been accredited since 2009. There are 31 complaints against the company in the past three years, with five of them closed in the past 12 months. Those numbers are low for a company of this size.

There are several negative reviews on Yelp, peppered with a few positive ones, and most of them focus on claims service. Complaints cite difficulty getting a hold of claims representatives. Some appear to deal with issues that are related to agents, which doesn’t necessarily speak to the company itself.

Overall, the negative reviews do not appear in large enough numbers to be of serious concern, and there are some positive reviews to offset them. There are not any major red flags are raised in the reviews.

How is Safety’s financial strength?

Rating Company Grade Financial Outlook
AM Best A Stable
Fitch N/A N/A

What’s the bottom line on Safety?

Safety offers coverage for auto and home as well as business insurance, with a solid auto program and a well-thought-out claims system that would not be out of place in a major national insurer. This company is likely worth a look for Massachusetts, New Hampshire, and Maine residents, particularly those who want the personal service of an agent and prefer a more local company. They are likely to be most competitive for people who insure both auto and home, and for those who are low-risk.

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