Based on the aggregated intelligence of 135,000-plus investors participating in Motley Fool CAPS, the Fool's free investing community, property and casualty insurer Safety Insurance Group (NASDAQ:SAFT) has earned a coveted five-star ranking.

With that in mind, let's take a closer look at Safety's business and see what CAPS investors are saying about the stock right now.

Safety facts

Headquarters (founded)

Boston (1979)

Market Cap

$471.41 million

Industry

Property and Casualty Insurance

Trailing-12-Month Revenue

$623.74 million

Management

President/CEO David Brussard (since 2001)

CFO William Begley, Jr. (since 1999)

Return on Equity (average, last three years)

16.0%

Dividend Yield

5.3%

Competitors

Chubb (NYSE:CB)

Travelers (NYSE:TRV)

CAPS Members Bullish on SAFT Also Bullish on

Cemex (NYSE:CX)

Netflix (NASDAQ:NFLX)

CAPS Members Bearish on SAFT Also Bearish on

Citigroup (NYSE:C)

Ford Motor (NYSE:F)

Sources: Capital IQ, a division of Standard & Poor's, and Motley Fool CAPS.

Over on CAPS, fully 480 of the 493 members who have rated Safety -- some 97% -- believe the stock will outperform the S&P 500 going forward. These bulls include All-Star saunafool, who is ranked in the top 2% of our community, and goalie37.

Late last year, saunafool tapped Safety as one of the safer ways to insure a portfolio:

Small regional insurance company with no debt, high dividends, and limited risk. Let the big boys get buried by their complex financial dealings. I'll take the small, regional, old-fashioned, boring insurance companies in this environment.

In a pitch from this month, goalie37 also urged Fools to think Safety first:

Financials in this company have deteriorated, as they have with most companies. What attracts me is the simplicity of their balance sheet. $1 billion of their $1.4 billion was invested in AAA/Aaa bonds. $775 million of their $834 million in liabilities was from insurance policies. No nonsense business that is depressed in earnings (temporarily) and stock price (also temporarily). With a very low P/E and a very high, secure dividend, this would be a place I would feel confident in investing my money.

What do you think about Safety Insurance, or any other stock for that matter? Make your voice heard on Motley Fool CAPS today. More than 135,000 investors are waiting to hear what you have to say. CAPS is 100% free, so simply click here to get started.

Fool contributor Brian Pacampara owns no position in any of the companies mentioned. Safety Insurance, Netflix, and Cemex are all Motley Fool Stock Advisor picks. Cemex is also a Global Gains recommendation, and the Fool owns shares of it. The Fool's disclosure policy always gets a perfect score.