{"schema_version":"secwatch.filing_event.v1","accession":"0001172052-22-000026","form_type":"8-K","ticker":"SAFT","cik":"0001172052","company_name":"SAFETY INSURANCE GROUP INC","filed_at":"2022-05-04T23:59:59+00:00","discovered_at":"2026-05-14T18:03:59.926448+00:00","generated_at":"2026-06-26T00:26:04.601835+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Safety Insurance Q1 net income drops 78% to $7.8M; combined ratio hits 98.7%","bullets":["Net income $7.8M ($0.53 diluted EPS) vs $36.2M ($2.42) in Q1 2021; non-GAAP op. income $0.99 vs $1.93.","Combined ratio 98.7% (loss ratio 65.8%) vs 91.5% (57.8%) due to return to pre-pandemic frequency and inflation.","Direct written premiums down 1.4% to $189.5M; net earned premiums down 3.0% to $187.1M.","Board declared $0.90 quarterly dividend payable June 15, 2022 to holders of record June 1, 2022.","Book value per share fell to $58.47 from $62.47; repurchased 170,904 shares for $14.6M in Q1."],"urls":{"canonical":"https://secwatch.observer/filing/0001172052-22-000026","json":"https://secwatch.observer/filing/0001172052-22-000026.json","markdown":"https://secwatch.observer/filing/0001172052-22-000026.md","text":"https://secwatch.observer/filing/0001172052-22-000026.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1172052/000117205222000026/0001172052-22-000026-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1172052/000117205222000026/saft-20220504x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-26T00:26:04.601835+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}