Document:

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                                                                   EXHIBIT 10.18

                                IESI CORPORATION

                             1999 STOCK OPTION PLAN
                      NON-QUALIFIED STOCK OPTION AGREEMENT

                            ______________ ___, 200__

To:
    ----------------------
     Employee/Optionee

     This Agreement confirms the grant of an option to you effective as of
___________ __, 200__ (the "Effective Date") under the IESI Corporation 1999
Stock Option Plan (the "Plan"), upon the terms and conditions described herein.
A copy of the Plan is being furnished to you concurrently with the execution of
this Agreement.

1.   GRANT OF OPTION.

     1.1  Pursuant to action of the Committee under the Plan, IESI Corporation
     (the "Company") hereby grants to you an option to purchase (hereinafter
     called the "Option"), subject to the terms and conditions hereinafter set
     forth, an aggregate of ________ shares of the Class A Voting Common Stock
     of the Company (the "Option Shares") at a per share purchase price equal to
     ____________________ dollars ($______) (the "Exercise Price"). This grant
     is a matter of separate inducement and is not in lieu of salary or other
     compensation for your services.

     1.2  The number of Option Shares and the Exercise Price shall be adjusted
     by the Committee, and you shall be entitled to such adjustment, upon the
     occurrence of any event described in Section 5 of the Plan. An equitable
     adjustment shall be determined by the Committee in good faith.

2.   EXERCISE AND TERM OF THE OPTION.

     2.1  Unless accelerated under paragraph 2.2 below, this Option shall become
     vested and fully exercisable on the eighth anniversary of the Effective
     Date.

     2.2  Upon the effective date for the filing of an S-1 registration
     statement for an initial public offering of Common Stock ("IPO"), the
     exercisability of the Option shall be accelerated with respect to an
     additional 25% of the Option Shares on each January 1 after the Effective
     Date (including each January 1 occurring prior to the IPO).

     2.3  Notwithstanding the foregoing, the Option shall become fully vested
     and exercisable upon a Change in Control (as defined in the Plan).

     2.4  You agree that, if the Company proposes to offer for sale the Common
     Stock pursuant to a public offering under the Securities Act of 1933, as
     amended (the "Act") and if requested by the Company and any underwriter
     engaged by the Company for a reasonable period of time

                                     Page 1
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     specified by the Company or such underwriter following the effective date
     of the registration statement filed with respect to such offering, you will
     not, directly or indirectly, offer, sell, pledge, contract to sell
     (including any short sale), grant any option to purchase, or otherwise
     dispose of any shares of the Company held by you (except for any securities
     sold pursuant to such registration statement) or enter into any "Hedging
     Transaction" (as defined below) relating to any securities of the Company
     held by you (including, without limitation, pursuant to Rule 144 under the
     Act or any successor or similar exemptive rule hereinafter in effect).
     Notwithstanding the foregoing, such period of time shall not exceed one
     hundred eighty (180) days in the case of the Company's IPO or ninety (90)
     days in the case of any other public offering. For purposes of this
     Section, "Hedging Transaction" means any short sale (whether or not against
     the box) or any purchase, sale or grant of any right (including, without
     limitation, any put or call option) with respect to any security (other
     than a broad-based market basket or index) that includes, relates to or
     derives any significant part of its value from the Option Shares.

3.   CERTAIN EXERCISE REQUIREMENTS.

     3.1  If fewer than the number of Option Shares then available for purchase
     pursuant to the Option are purchased at any time under this Agreement, you
     may purchase the remaining Option Shares at any subsequent time during the
     term of the Option. The Option shall expire in its entirety on the tenth
     anniversary of the Effective Date subject to earlier termination as
     hereinafter provided. The Option shall not be exercised for fractional
     shares. Notation of any partial exercise will be made by the Company on
     Schedule 1 attached hereto.

     3.2  The Option is exercisable by you only while you are in the employ of,
     or providing service to, the Company or its subsidiaries as an employee,
     member of the Board or advisor or consultant, except as otherwise provided
     in the Plan.

4.   METHOD OF EXERCISE AND PAYMENT.

     4.1  Exercise of the Option shall be by written notice, in a form
     substantially as attached to this Agreement as Exhibit A, delivered or
     mailed to the Secretary of the Company at its principal office specifying
     the number of Option Shares as to which the Option is being exercised, and
     identifying the Option by date of grant. Such notice shall be accompanied
     by the full amount of the Exercise Price for the Option Shares to be
     purchased in cash or by certified check, or by delivery of whole shares of
     Common Stock owned by you for at least six months ("Purchased Stock") in
     full or partial payment of the Exercise Price. You will receive a credit
     against the purchase price of the Option Shares as to which the Option is
     being exercised equal to the Fair Market Value of such Purchased Stock as
     of the close of the business day immediately preceding the date of delivery
     of the notice of election to exercise the Option. Any Purchased Stock being
     delivered must be accompanied by a duly executed assignment to the Company
     in blank or with stock powers attached, together with a written
     representation that such shares of Purchased Stock are owned by you free
     and clear of all liens, claims and encumbrances and such other
     representations as the Company shall determine. Only whole shares of
     Purchased Stock with a Fair Market Value up to, but not exceeding, the
     Exercise Price of the Option Shares as to which the Option is being
     exercised will be accepted hereunder. Purchased Stock may be delivered at
     the office of the Company or at the offices of the transfer agent appointed
     for the transfer of shares of the Company. The Committee may, in

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     its discretion, refuse to accept any tendered payment in the form of
     Purchased Stock, in which case it shall deliver the tender back to you and
     notify you of its refusal. In order to preserve your rights under any
     Option, you must, within three business days after such notification,
     tender to the Company the cash or certified check required to pay for the
     Option Shares with respect to which such Option is being exercised.

     4.2  It shall be a condition to the Company's obligation to deliver the
     Option Shares upon exercise of any portion of the Option that you pay, or
     make provisions satisfactory to the Company, for the payment of any taxes
     which the Company or any subsidiary is obligated to withhold or collect
     with respect to such exercise or otherwise with respect to the Option.

5.   TRANSFERABILITY. Except as provided below, your rights under the Option may
not be transferred or encumbered by transferred by you, except by will or the
laws of descent and distribution, or pursuant to a qualified domestic relations
order (as defined in Section 414(p)) of the Code.

6.   REGISTRATION. The Company shall not be obligated to file any registration
statement under the Act or any applicable state securities laws to permit
exercise of the Option or to issue any Option Shares in violation of the Act or
any applicable state securities laws. Certificates for Option Shares, when
issued, shall have substantially the following legend, or statements of other
applicable restrictions, endorsed thereon, and may not be immediately
transferable:

          THE SHARES OF STOCK REPRESENTED BY THIS CERTIFICATE HAVE NOT
          BEEN REGISTERED UNDER THE SECURITIES ACT OF 1993, AS
          AMENDED, OR ANY STATE SECURITIES LAWS. THE SHARES MAY NOT BE
          OFFERED FOR SALE, SOLD, PLEDGED, TRANSFERRED OR OTHERWISE
          DISPOSED OF UNTIL THE HOLDER HEREOF PROVIDES EVIDENCE
          SATISFACTORY TO THE ISSUER (WHICH, IN THE DISCRETION OF THE
          ISSUER, MAY INCLUDE AN OPINION OF COUNSEL SATISFACTORY TO
          THE ISSUER) THAT SUCH OFFER, SALE, PLEDGE TRANSFER OR OTHER
          DISPOSITION WILL NOT VIOLATE APPLICABLE FEDERAL OR STATE
          LAWS.

     The foregoing legend may not be required for Option Shares issued pursuant
to an effective registration statement under the Act and in accordance with
applicable state securities laws.

7.   INCORPORATION OF PLAN PROVISIONS. This Agreement is made pursuant to the
Plan and is subject to all the terms and provisions of the Plan as if the same
were fully set forth herein. Capitalized terms not otherwise defined herein
shall have the meanings set forth for such terms in the Plan.

8.   SHAREHOLDER RIGHTS. You shall not be, nor have any of the rights or
privileges of, a holder of Common Stock in respect of any Option Shares
purchasable upon the exercise of the Option, including any rights regarding
voting or payment of dividends, unless and until a certificate representing such
Option Shares has been delivered to you.

9.   MISCELLANEOUS. This Agreement: (a) shall be binding upon and inure to the
benefit of any successor of the Company and your successors, assigns and estate,
including your executors, administrators and trustees; (b) shall be governed by
the laws of the State of Delaware and any applicable laws of the United States;
and (c) may not be amended except in writing and signed by both

                                     Page 3
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parties hereto.

     It is your intent and that of the Company that this Option is not
classified as an "incentive stock option" within the meaning of Section 422(b)
of the Code, and that any ambiguities in construction shall be interpreted in
order to effectuate such intent.

     To confirm your acceptance of the foregoing, please sign and return one
copy of this Agreement to Thomas J. Cowee, Senior VP and CFO, IESI Corporation.

                               AGREED AND ACCEPTED
                             ____________ ___, 200__

                                         IESI CORPORATION
---------------------------------
Employee/Optionee

                                         By:
---------------------------------           ------------------------------------
Print Employee/Optionee Name                   Charles F. Flood
                                               President and CEO

                                     Page 4
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                                                                       EXHIBIT A

                                IESI CORPORATION

                           STOCK OPTION EXERCISE FORM

                                     ------------------
                                     (Date)

IESI Corporation
6125 Airport Freeway
Suite 202
Haltom City, TX 76117
Attention: Thomas J. Cowee, Senior VP and CFO

Dear Sir/Madam:

     The undersigned elects to exercise the Option to purchase ______ shares of
the Class A Voting Common Stock of IESI Corporation (the "Company") under and
pursuant to the Non-Qualified Stock Option Agreement (the "Agreement") between
the Company and the undersigned dated as of January 1, 2001.

          Delivered herewith in payment of the option price is:

          1.   a check in the amount of $_____ and/or

          2.   certificates for ___ shares of common stock of the Company,
               valued at $___________ with appropriate stock powers attached
               thereto, which shares are owned by the undersigned free and clear
               of all liens, claims and encumbrances.

     If the shares of the Company's Class A Voting Common Stock to be delivered
to the undersigned upon this Option exercise are not subject to a current
registration statement filed under the Securities Act of 1933, as amended (the
"Act"), I hereby represent and agree that all of the shares of common stock
being purchased hereunder are being acquired for investment and not with the
view to the sale or distribution thereof, and that I understand that such shares
of common stock are not currently registered under the Act and may not be sold,
pledged, hypothecated, alienated or otherwise assigned or transferred in the
absence of registration under the Act or an opinion of counsel, which opinion is
satisfactory to the Company to the effect that such registration is not
required.

     I hereby authorize the Company or any subsidiary corporation by which I am
employed to withhold from any cash compensation paid to me, or in my behalf, an
amount sufficient to discharge any Federal, State and local wage withholding
taxes imposed on the Company, or the subsidiary corporation by which I am
employed, in respect of my Option exercise of the Option. I agree that the
Company, or the subsidiary corporation by which I am employed, may, in its
discretion, hold the stock certificate to which I am entitled upon exercise of
the Option, as

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security for the payment of the aforementioned withholding tax liability, until
cash sufficient to pay that liability has been accumulated.

                                         Sincerely,

                                         ---------------------------------------
                                         Employee/Optionee

                                         ---------------------------------------
                                         Print Employee/Optionee Name

                                     Page 6
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SCHEDULE 1
NOTATION AS TO PARTIAL EXERCISE

<Table>
<Caption>
                Number of       Balance of      Company Secretary
Date of         Shares          Shares on       or Ass't Secretary     Notation
Exercise        Purchased       Option          Signature              Date
--------        ---------       ------          ---------              ----
<S>             <C>             <C>             <C>                    <C>

</Table>

                                     Page 7<Page>
                                                                   Exhibit 10.46

                          SAFETY INSURANCE GROUP, INC.

                            STOCK PURCHASE AGREEMENT

                                  June 28, 2002

<Page>

                                TABLE OF CONTENTS

<Table>
<Caption>
                                                                           Page

<S>   <C>                                                                   <C>
1.    Purchase and Sale of Stock..............................................1

2.    Representations and Warranties of the Company...........................1

3.    Representations and Warranties of Purchaser.............................2

4.    Conditions to Purchaser's Obligation at Closing.........................3

5.    Conditions to the Company's Obligation at Closing.......................4

6.    Termination.............................................................4

7.    Miscellaneous...........................................................4
</Table>

                                       i
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                            STOCK PURCHASE AGREEMENT

          THIS STOCK PURCHASE AGREEMENT (this "Agreement") is made as of the
28th day of June, 2002, by and between Safety Insurance Group, Inc., a Delaware
corporation (the "Company"), and Fairholme Partners, L.P., a Delaware limited
partnership ("Purchaser").

          WHEREAS, the Company plans to conduct an initial public offering (the
"IPO") of its common stock, par value $0.01 per share (the "Common Stock"); and

          WHEREAS, the Company wishes to sell to Purchaser, and Purchaser wishes
to purchase from the Company, shares of Common Stock, as provided herein.

          NOW, THEREFORE, THE PARTIES HEREBY AGREE AS FOLLOWS:

     1.   PURCHASE AND SALE OF STOCK.

     1.1  SALE AND ISSUANCE OF SHARES. Subject to the terms and conditions of
this Agreement, the Company agrees to issue and sell and Purchaser agrees to
purchase directly from the Company, 350,000 shares of Common Stock (the
"Shares") on a non-underwritten basis. The purchase price per share for the
Shares will be equal to the price to the public of shares of Common Stock in the
IPO, as set forth on the cover of the final prospectus for the IPO.

     1.2  THE CLOSING. The closing (the "Closing") of the purchase and sale of
the Shares shall be held at the offices of LeBoeuf, Lamb, Greene & MacRae,
L.L.P., 125 West 55 Street, New York, New York 10019, or such other place as the
Company and Purchaser shall agree, simultaneously with the closing (i.e., the
Company shall have received payment from the underwriters for the shares of
Common Stock to be issued and delivered in the IPO and shall have issued the
shares to the underwriters) of the IPO (without regard to the closing of any
overallotment option granted to the underwriters in connection with the IPO). At
the Closing, the Company will deliver certificates for the Shares registered in
the name of Purchaser against payment of the purchase price therefor. At the
option of Purchaser, such payment shall be made either (i) by wire transfer in
immediately available funds to an account or accounts specified by the Company,
or (ii) by netting it from the amount to be paid Purchaser by the Company at the
closing of the IPO in repayment of the Company's 13% senior subordinated notes
held by Purchaser. If for any reason the sale of Common Stock in the IPO is
rescinded after the closing thereof, Purchaser shall have the right to rescind
its purchase hereunder.

     2.   REPRESENTATIONS AND WARRANTIES OF THE COMPANY. The Company hereby
represents and warrants to Purchaser that:

     2.1  The Company has been duly incorporated and is validly existing as a
corporation in good standing under the laws of the State of Delaware, with
corporate power and authority to execute and deliver this Agreement and to
perform its obligations hereunder and to consummate the transactions
contemplated hereby. The Company is duly authorized to execute, deliver and
perform this Agreement. This Agreement has been duly executed and delivered by
Company, is a valid and binding agreement of Company, and is enforceable against
Company in accordance with its terms, except to the extent that enforceability
may be limited by (i) bankruptcy,

                                       1
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reorganization, liquidation, rehabilitation, insolvency, moratorium or other
laws affecting creditors' rights generally and (ii) general principles of equity
(regardless of whether enforceability is considered in a proceeding at law or
equity). The execution, delivery and performance by Company of this Agreement do
not violate or conflict with or result in a breach of or constitute (or with
notice or lapse of time or both would constitute) a default under Company's
certificate of incorporation or by-laws, or any material agreement to which
Company is a party; and no consents, approvals, authorizations, orders,
registrations or qualifications of or with any court or governmental agency or
body or any third party is required for the execution, delivery or performance
by Company of this Agreement.

     2.2  As of the closing of the IPO, the Company will have an authorized
capitalization consisting of 30,000,000 shares of Common Stock and 5,000,000
shares of preferred stock. The Shares, when issued and delivered in accordance
with the terms hereof, will be duly authorized, validly issued, fully paid and
non-assessable and will be free and clear of all liens, security interests,
claims or encumbrances of any nature.

     2.3  Subject to the accuracy of the representations and warranties of
Purchaser in Section 3, the offer and sale of the Shares hereunder are exempt
from registration under the Securities Act of 1933, as amended (the "Securities
Act") pursuant to Section 4(2) thereof.

     2.4  The representations in this Section 2 are all subject to the execution
and delivery by the Company, Purchaser and all other parties thereto of the
Omnibus Agreement, dated as of June 25, 2002 (the "Omnibus Agreement"), and to
the filing of the Amended and Restated Certificate of Incorporation of the
Company referred to therein (the "Restated COI") with the Secretary of State of
the State of Delaware.

     3.   REPRESENTATIONS AND WARRANTIES OF PURCHASER. Purchaser hereby
represents and warrants that:

     3.1  The Purchaser has been duly organized and is validly existing as a
limited partnership in good standing under the laws of the State of Delaware,
with partnership power and authority to execute and deliver this Agreement and
to perform its obligations hereunder and to consummate the transactions
contemplated hereby. Purchaser is duly authorized to execute, deliver and
perform this Agreement. This Agreement has been duly executed and delivered by
Purchaser, is a valid and binding agreement of Purchaser, and is enforceable
against Purchaser in accordance with its terms, except to the extent that
enforceability may be limited by (i) bankruptcy, reorganization, liquidation,
rehabilitation, insolvency, moratorium or other laws affecting creditors' rights
generally and (ii) general principles of equity (regardless of whether
enforceability is considered in a proceeding at law or equity). The execution,
delivery and performance by Purchaser of this Agreement do not violate or
conflict with or result in a breach of or constitute (or with notice or lapse of
time or both would constitute) a default under Purchaser's organizational
documents, or any agreement to which Purchaser is a party; and no consents,
approvals, authorizations, orders, registrations or qualifications of or with
any court or governmental agency or body or any third party is required for the
execution, delivery or performance by Purchaser of this Agreement.

                                       2
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     3.2  This Agreement is made with Purchaser in reliance upon Purchaser's
representation to the Company, which by Purchaser's execution of this Agreement
Purchaser hereby confirms, that the Shares will be acquired for investment for
Purchaser's own account, not as a nominee or agent, and not with a view to the
resale or distribution of any part thereof, and that Purchaser has no present
intention of selling, granting any participation in, or otherwise distributing
the same.

     3.3  Purchaser understands that the Shares it is purchasing have not been
registered under the Securities Act, and absent registration, may not be offered
or sold within the United States except pursuant to an exemption from such laws
or in a transaction not subject to the registration requirements of the
Securities Act. In this connection, Purchaser represents that it is familiar
with Rule 144 under the Securities Act, as presently in effect, and understands
the resale limitations imposed thereby and by the Securities Act.

     3.4  Purchaser is an accredited investor, as such term is defined under
Regulation D of the Securities Act, which acting for its own account, owns and
invests on a discretionary basis over $82.0 million in equity securities and
over $7.0 million in fixed income securities of issuers that are not affiliated
with Purchaser. The foregoing unaudited values were true and correct as of June
28, 2002, and are based upon the market value of such securities, where there is
a public market for such securities, and on cost, where there is no public
market for such securities.

     3.5  The Company has afforded Purchaser and Purchaser's advisors, if any,
the opportunity to discuss an investment in the Company and to ask questions of
representatives of the Company concerning the terms and conditions of the
offering of the Shares and any operative documents, and such representatives
have provided answers to all such questions concerning the offering of the
Shares and any such operative documents. Purchaser has consulted its own
financial, tax, accounting and legal advisors, if any, as to Purchaser's
investment in the Company and the consequences thereof and risks associated
therewith. Purchaser and its advisors, if any, have examined or have had the
opportunity to examine before the date hereof all operative documents and all
information that Purchaser deems to be material to an understanding of the
Company and its subsidiaries and the offering of the Shares.

     3.6  The representations, warranties and agreements of Purchaser contained
herein are made for the benefit of, and may be relied upon by, the Company,
Credit Suisse First Boston Corporation, Jefferies & Company, Inc. and each of
their respective representatives, agents and counsel.

     4.   CONDITIONS TO PURCHASER'S OBLIGATION AT CLOSING. The obligation of
Purchaser to purchase the Shares at the Closing is subject to the fulfillment to
its satisfaction on or prior to the Closing of the following conditions:

     4.1  REPRESENTATIONS AND WARRANTIES. The representations and warranties
made by the Company in Section 2 shall have been true and correct when made and
shall be true and correct as of the Closing with the same force and effect as if
they had been made on and as of such date.

                                       3
<Page>

     4.2  OMNIBUS AGREEMENT. The Omnibus Agreement shall have been executed and
delivered by all parties thereto and the Restated COI shall have been filed with
the Secretary of State of the State of Delaware.

     4.3  INITIAL PUBLIC OFFERING OF COMMON STOCK. The closing of the IPO shall
have occurred simultaneously with the Closing.

     5.   CONDITIONS TO THE COMPANY'S OBLIGATION AT CLOSING. The obligation of
the Company to sell the Shares at the Closing is subject to the fulfillment to
the Company's satisfaction on or prior to the Closing of the following
conditions:

     5.1  REPRESENTATIONS AND WARRANTIES. The representations and warranties
made by Purchaser in Section 3 shall have been true and correct when made and
shall be true and correct as of the Closing with the same force and effect as if
they had been made on and as of such date, except for the specific valuation of
Purchaser's investment holdings set forth in Section 3.4, which shall be true
and correct as of the date set forth therein.

     5.2  OMNIBUS AGREEMENT. The Omnibus Agreement shall have been executed and
delivered by all parties thereto and the Restated COI shall have been filed with
the Secretary of State of the State of Delaware.

     5.3  INITIAL PUBLIC OFFERING OF COMMON STOCK. The closing of the IPO shall
have occurred simultaneously with the Closing.

     6.   TERMINATION.

     6.1  GROUNDS FOR TERMINATION. This Agreement may be terminated at any time
prior to the Closing:

          (a)  by mutual written agreement of the Company and Purchaser; or

          (b)  by either the Company or Purchaser if there shall be any law or
     regulation that makes consummation of the transactions contemplated hereby
     illegal or otherwise prohibited or if consummation of the transactions
     contemplated hereby would violate any nonappealable final order, decree or
     judgment of any court or governmental body having competent jurisdiction.
     The party desiring to terminate this Agreement pursuant to clause 6.1(b)
     shall give notice of such termination to the other party.

     6.2  EFFECT OF TERMINATION. If this Agreement is terminated as permitted by
Section 6.1, such termination shall be without liability of either party (or any
partner, stockholder, director, officer, employee, agent, consultant or
representative of such party) to the other party to this Agreement.

     7.   MISCELLANEOUS.

     7.1  SURVIVAL. The representations and warranties set forth in Sections 2
and 3 shall survive until three years after the date of the Closing.

                                       4
<Page>

     7.2  EXPENSES; INDEMNIFICATION. The Company shall not be responsible for
the Purchaser's legal or other fees and expenses incurred in connection with
entering into this Agreement and the transactions contemplated hereby. The
Company and Purchaser shall indemnify each other for any loss or liability
incurred by the indemnified party as the result of any breach of the
indemnifying party's representations or warranties hereunder. Any party that may
be entitled to indemnification hereunder (the "Indemnified Party") shall
promptly notify the party from whom indemnification is sought hereunder (the
"Indemnifying Party") in writing of the Indemnified Party's receipt of notice of
its involvement in any action in respect of which a claim for indemnification is
to be made hereunder; provided, however, that any failure to so notify the
Indemnifying Party shall not affect the Indemnifying Party's obligations to so
indemnify such person except to the extent that the Indemnifying Party is
materially prejudiced by such failure.

     7.3  ENTIRE AGREEMENT. This Agreement contains the entire understanding of
the parties with respect to the subject matter hereof. This Agreement may not be
amended or any provision waived except by a writing signed, in the case of an
amendment, by each party hereto and, in the case of a waiver, by the party
against whom the waiver is to be effective. No failure or delay by any party in
exercising any right, power or privilege hereunder shall operate as a waiver
thereof unless the other party is materially prejudiced thereby, nor shall any
single or partial exercise thereof preclude any other or further exercise
thereof or the exercise of any other right, power or privilege. The rights and
remedies herein provided shall be cumulative and not exclusive of any rights or
remedies provided by law.

     7.4  ASSIGNABILITY. This Agreement is not assignable by either of the
parties without the prior written consent of the other. This Agreement shall be
binding upon and inure to the benefit of the parties hereto and their respective
successors and permitted assignees.

     7.5  SEVERABILITY. If any term, provision or restriction of this Agreement
is held by a court of competent jurisdiction to be invalid, void or
unenforceable, the remainder of the terms, provisions and restrictions of this
Agreement shall remain in full force and effect, unless such action would
substantially impair the benefits to either party of the remaining provisions of
this Agreement.

     7.6  LIABILITY OF COMPANY. Notwithstanding anything to the contrary herein,
the Company shall have no liability to Purchaser hereunder if the Closing is not
effected for any reason.

     7.7  NOTICES. Any notices and other communications required to be given
pursuant to this Agreement shall be deemed to have been duly given or made as of
the date delivered or mailed if delivered personally, mailed by registered or
certified mail (postage prepaid, return receipt requested), or delivered by
facsimile or by telex, as follows:

                                       5
<Page>

                  If to the Company:

                  Safety Insurance Group, Inc.
                  20 Custom House Street
                  Boston, Massachusetts 02110
                  Attention: Chief Financial Officer
                  Telecopier: (617) 951-0697

                  If to Purchaser:

                  Fairholme Partners, L.P.
                  51 JFK Parkway
                  Short Hills, New Jersey 07078
                  Attention: Bruce R. Berkowitz
                  Telecopier: (973) 379-2478

     7.8  GOVERNING LAW. This Agreement shall be governed by and construed in
accordance with the laws of the State of New York, without regard to the
conflict of law provisions thereof. This Agreement may be executed in one or
more counterparts, which together will constitute a single agreement.

     7.9  CAPTIONS. The captions herein are included for convenience of
reference only and shall be ignored in the construction or interpretation
hereof.

                REMAINDER OF THIS PAGE INTENTIONALLY LEFT BLANK.

                                       6
<Page>

                  IN WITNESS WHEREOF, the parties have executed this Agreement
as of the day and year hereinabove first written.

                                      FAIRHOLME PARTNERS, L.P.

                                      By: /s/ Bruce R. Berkowitz
                                         --------------------------------
                                         Name:  Bruce R. Berkowitz
                                         Title: Managing Member of the
                                                General Partner

                                      SAFETY INSURANCE GROUP, INC.

                                      By: /s/ William J. Begley, Jr.
                                         --------------------------------
                                         Name:  William J. Begley, Jr.
                                         Title: Vice President

                                       7

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