Document:

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                                                                   EXHIBIT 10.56

                                     FORM OF
                          SAFETY INSURANCE GROUP, INC.
                     2002 MANAGEMENT OMNIBUS INCENTIVE PLAN

                          NOTICE OF STOCK OPTION GRANT
                            FOR NONQUALIFIED OPTIONS

     You (the "Optionee") have been granted the following option to purchase
common shares of Safety Insurance Group, Inc. (the "Company"), par value $0.01
per share ("Share"), pursuant to the Safety Insurance Group, Inc. 2002
Management Omnibus Incentive Plan (the "Plan"):

<Table>
   <S>                                         <C>
   Name of Optionee:                           [       ]

   Total Number of Shares Subject to Option:   [       ]

   Type of Option:                             Nonqualified Stock Option ("NQSO")

   Option Exercise Price Per Share:            $[      ]

   Effective Date of Grant:                    [       ]

   Vesting Schedule:                           Subject to earlier vesting pursuant to the
                                               terms of the Plan and the attached Nonqualified
                                               Stock Option Agreement, provided you have not
                                               had a Termination of Service on or prior to
                                               such date(s), the right to exercise this option
                                               shall vest as follows:
                                               [Insert Vesting Schedule]

   Expiration Date:                            [       ]

                                               The Option may expire earlier upon Termination
                                               of Service
</Table>

By your signature and the signature of the Company's representative below, you
and the Company agree that this option is granted under and governed by the
terms and conditions of the Plan and the stock option agreement, both of which
are attached to and made a part of this document.

   OPTIONEE:                                  SAFETY INSURANCE GROUP, INC.:

                                              By:
   ----------------------------------            -------------------------------
   Date:                                      Title:
        -----------------------------               ----------------------------
   Address:                                   Date:
           --------------------------              -----------------------------

           --------------------------

           --------------------------

<Page>

                                     FORM OF
                          SAFETY INSURANCE GROUP, INC.
                       NONQUALIFIED STOCK OPTION AGREEMENT

SECTION 1. GRANT OF OPTION.

           (a) OPTION. On the terms and conditions set forth in the Notice of
Stock Option Grant and this Stock Option Agreement (the "Agreement"), the
Company grants to the Optionee on the Effective Date of Grant the option (the
"Option") to purchase at the Option Exercise Price the number of Shares set
forth in the Notice of Stock Option Grant. The Option is intended to be a
Nonqualified Stock Option ("NQSO").

           (b) PLAN AND DEFINED TERMS. The Option is granted pursuant to the
Plan, a copy of which the Optionee acknowledges having received. All terms,
provisions, and conditions applicable to the Option set forth in the Plan and
not set forth herein are hereby incorporated by reference herein. To the extent
any provision hereof is inconsistent with a provision of the Plan, the
provisions of the Plan will govern. All capitalized terms that are used in this
Agreement and not otherwise defined herein shall have the meanings ascribed to
them in the Plan.

SECTION 2. RIGHT TO EXERCISE.

           The Option may be exercised, in whole or in part, prior to expiration
to the extent it is vested. The Notice of Stock Option Grant contains the Option
vesting schedule. The exercise procedures set forth in Section 6.6 of the Plan
shall govern the exercise of the Option.

SECTION 3. TERM AND EXPIRATION.

           (a) BASIC TERM. Subject to earlier termination pursuant to the terms
hereof, the Option shall expire on the expiration date set forth in the Notice
of Stock Option Grant, which date is 10 years after the Effective Date of Grant.

           (b) TERMINATION OF SERVICE. If the Optionee's service terminates, the
Option shall expire as set forth in Article 9 of the Plan. If the Optionee dies
after Termination of Service but before the expiration of the Option, all or
part of this Option may be exercised (prior to expiration) by the personal
representative of the Optionee or by any person who has acquired this Option
directly from the Optionee by will, bequest or inheritance, but only to the
extent that the Option was vested and exercisable upon the Optionee's
Termination of Service.

SECTION 4. MISCELLANEOUS PROVISIONS.

     [(a)  INSERT THE FOLLOWING FOR OFFICERS, EMPLOYEES AND EMPLOYEE-DIRECTORS:
TAX WITHHOLDING. The Company may make such provisions as are necessary for the
withholding of all applicable taxes on the Option, in accordance with Article 16
of the Plan. With respect to the minimum statutory tax withholding required with
respect to the Option, the Optionee may elect

                                       -1-
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to satisfy such tax withholding requirement by having the Company withhold
Shares from the Option upon exercise.]

     [(a)/(b)]  RIGHTS AS A STOCKHOLDER. Neither the Optionee nor the Optionee's
representative shall have any rights as a stockholder with respect to any Shares
subject to this Option until the Option has been exercised and Share
certificates have been issued to the Optionee or representative, as the case may
be.

     [(b)/(c)]  RATIFICATION OF ACTIONS. By accepting the Option, the Optionee
and each person claiming under or through the Optionee shall be conclusively
deemed to have indicated the Optionee's acceptance and ratification of, and
consent to, any action taken under the Plan or this Agreement and Notice of
Stock Option Grant by the Company, the Board, or the Committee.

     [(c)/(d)]  NOTICE. Any notice required by the terms of this Agreement shall
be given in writing and shall be deemed effective upon personal delivery or upon
deposit with the United States Postal Service, by registered or certified mail,
with postage and fees prepaid. Notice shall be addressed to the Company at its
principal executive office and to the Optionee at the address that he or she
most recently provided in writing to the Company.

     [(d)/(e)]  CHOICE OF LAW. This Agreement and the Notice of Stock Option
Grant shall be governed by, and construed in accordance with, the laws of New
York, as such laws are applied to contracts entered into and performed in such
state.

     [(e)/(f)]  COUNTERPARTS. This Agreement may be executed in two or more
counterparts, each of which shall be deemed an original, but all of which
together shall constitute one and the same instrument.

     [(f)/(g)]  MODIFICATION OR AMENDMENT. This Agreement may only be modified
or amended by written agreement executed by the parties hereto; provided,
however, that the adjustments permitted pursuant to Section 4.2 of the Plan may
be made without such written agreement.

     [(g)/(h)]  SEVERABILITY. In the event any provision of this Agreement shall
be held illegal or invalid for any reason, the illegality or invalidity shall
not affect the remaining provisions of this Agreement, and this Agreement shall
be construed and enforced as if such illegal or invalid provision had not been
included.

                                       -2-<Page>

                                                                   EXHIBIT 10.57

                                     FORM OF
                          SAFETY INSURANCE GROUP, INC.
                     2002 MANAGEMENT OMNIBUS INCENTIVE PLAN

                          NOTICE OF STOCK OPTION GRANT
              FOR OFFICERS, EMPLOYEES AND EMPLOYEE DIRECTORS --ISO

     You (the "Optionee") have been granted the following option to purchase
common shares of Safety Insurance Group, Inc. (the "Company"), par value $0.01
per share ("Share"), pursuant to the Safety Insurance Group, Inc. 2002
Management Omnibus Incentive Plan (the "Plan"):

<Table>
   <S>                                         <C>
   Name of Optionee:                           [          ]

   Total Number of Shares Subject to Option:   [          ]

   Type of Option:                             Incentive Stock Option ("ISO")

   Option Exercise Price Per Share:            $[         ]

   Effective Date of Grant:                    [          ]

   Vesting Schedule:                           Subject to earlier vesting pursuant to the terms
                                               of the Plan and the attached Incentive Stock
                                               Option Agreement, provided you have not had a
                                               Termination of Service on or prior to such
                                               date(s), the right to exercise this option shall
                                               vest as follows:
                                               [Insert Vesting Schedule]

   Expiration Date:                            [            ]

                                               [5 years from grant if 10% shareholder]

                                               The Option may expire earlier upon Termination of
                                               Service
</Table>

By your signature and the signature of the Company's representative below, you
and the Company agree that this option is granted under and governed by the
terms and conditions of the Plan and the stock option agreement, both of which
are attached to and made a part of this document.

   OPTIONEE:                                  SAFETY INSURANCE GROUP, INC.:

                                              By:
   ----------------------------------            -------------------------------
   Date:                                      Title:
        -----------------------------               ----------------------------
   Address:                                   Date:
           --------------------------              -----------------------------

           --------------------------

           --------------------------

<Page>

                                     FORM OF
                          SAFETY INSURANCE GROUP, INC.
                        INCENTIVE STOCK OPTION AGREEMENT
                 FOR OFFICERS, EMPLOYEES AND EMPLOYEE DIRECTORS

SECTION 1. GRANT OF OPTION.

           (a) OPTION. On the terms and conditions set forth in the Notice of
Stock Option Grant and this Stock Option Agreement (the "Agreement"), the
Company grants to the Optionee on the Effective Date of Grant the option (the
"Option") to purchase at the Option Exercise Price the number of Shares set
forth in the Notice of Stock Option Grant. The Option is intended to be an
incentive stock option ("ISO"); provided, however, that the portion of the
Option, if any, in excess of the limitations contained in Section 422(d) of the
Code, or any successor provision, shall be a nonqualified stock option. The
Option Exercise Price is agreed to be at least 100% of the Fair Market Value per
Share on the Effective Date of Grant (110% of Fair Market Value if the Optionee
is a "10-percent shareholder," as defined in Section 422(b)(6) of the Code.

           (b) PLAN AND DEFINED TERMS. The Option is granted pursuant to the
Plan, a copy of which the Optionee acknowledges having received. All terms,
provisions, and conditions applicable to the Option set forth in the Plan and
not set forth herein are hereby incorporated by reference herein. To the extent
any provision hereof is inconsistent with a provision of the Plan, the
provisions of the Plan will govern. All capitalized terms that are used in this
Agreement and not otherwise defined herein shall have the meanings ascribed to
them in the Plan.

SECTION 2. RIGHT TO EXERCISE.

           The Option may be exercised, in whole or in part, prior to expiration
to the extent it is vested. The Notice of Stock Option Grant contains the Option
vesting schedule. The exercise procedures set forth in Section 6.6 of the Plan
shall govern the exercise of the Option.

SECTION 3. TERM AND EXPIRATION.

           (a) BASIC TERM. Subject to earlier termination pursuant to the terms
hereof, the Option shall expire on the expiration date set forth in the Notice
of Stock Option Grant, which date is 10 years after the Effective Date of Grant
(five years after the Effective Date of Grant if the Optionee is a "10-percent
shareholder," as defined in Section 422(b)(6) of the Code).

           (b) TERMINATION OF SERVICE. If the Optionee's service terminates, the
Option shall expire as set forth in Article 9 of the Plan. If the Optionee dies
after Termination of Service but before the expiration of the Option, all or
part of this Option may be exercised (prior to expiration) by the personal
representative of the Optionee or by any person who has acquired this Option
directly from the Optionee by will, bequest or inheritance, but only to the
extent that the Option was vested and exercisable upon the Optionee's
Termination of Service.

           (c) NOTICE CONCERNING ISO TREATMENT. This Option will cease to
qualify for favorable tax treatment as an ISO to the extent it is exercised (i)
more than three months after the date the Optionee ceases to be an employee for
any reason other than death or permanent and total disability (as defined in
Section 22(e)(3) of the Code), (ii) more than one year after the date the
Optionee ceases to be an employee by reason of such permanent and total
disability, or (iii) after the

                                       -1-
<Page>

Optionee has been on a leave of absence for more than 90 days, unless the
Optionee's reemployment rights are guaranteed by statute or by contract.

           (d) NOTIFICATION REGARDING DISQUALIFYING DISPOSITIONS. The Optionee
shall, within 10 days of such disposition, notify the Committee of any
disposition of Shares issued pursuant to the exercise of this Option that meets
the conditions described in Section 421(b) of the Code (relating to certain
disqualifying dispositions).

SECTION 4. MISCELLANEOUS PROVISIONS.

           (a) TAX WITHHOLDING. The Company may make such provisions as are
necessary for the withholding of all applicable taxes on the Option, in
accordance with Article 16 of the Plan. With respect to the minimum statutory
tax withholding required with respect to the Option, the Optionee may elect to
satisfy such tax withholding requirement by having the Company withhold Shares
from the Option upon exercise.

           (b) RIGHTS AS A STOCKHOLDER. Neither the Optionee nor the Optionee's
representative shall have any rights as a stockholder with respect to any Shares
subject to this Option until the Option has been exercised and Share
certificates have been issued to the Optionee or representative, as the case may
be.

           (c) RATIFICATION OF ACTIONS. By accepting the Option, the Optionee
and each person claiming under or through the Optionee shall be conclusively
deemed to have indicated the Optionee's acceptance and ratification of, and
consent to, any action taken under the Plan or this Agreement and Notice of
Stock Option Grant by the Company, the Board, or the Committee.

           (d) NOTICE. Any notice required by the terms of this Agreement shall
be given in writing and shall be deemed effective upon personal delivery or upon
deposit with the United States Postal Service, by registered or certified mail,
with postage and fees prepaid. Notice shall be addressed to the Company at its
principal executive office and to the Optionee at the address that he or she
most recently provided in writing to the Company.

           (e) CHOICE OF LAW. This Agreement and the Notice of Stock Option
Grant shall be governed by, and construed in accordance with, the laws of New
York, as such laws are applied to contracts entered into and performed in such
state.

           (f) COUNTERPARTS. This Agreement may be executed in two or more
counterparts, each of which shall be deemed an original, but all of which
together shall constitute one and the same instrument.

           (g) MODIFICATION OR AMENDMENT. This Agreement may only be modified or
amended by written agreement executed by the parties hereto; provided, however,
that the adjustments permitted pursuant to Section 4.2 of the Plan may be made
without such written agreement.

           (h) SEVERABILITY. In the event any provision of this Agreement shall
be held illegal or invalid for any reason, the illegality or invalidity shall
not affect the remaining provisions of this Agreement, and this Agreement shall
be construed and enforced as if such illegal or invalid provision had not been
included.

                                       -2-

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