Rule One: If its a thumbnail size image (less than 150×150), its SFW, regardless of what is in the thumbnail. Example: Image search results on google.com with safe search off = SFW.
Rule Two: If the image does not show nipple or bush, it is SFW
Rule Three: If the image in question features a woman with clothing on, its SFW, regardless if the clothing is see through
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Rule Four: If the image is censored, at all, it is SFW
Rule Five: If you are working alone, and you are no offended by an image, it is considered SFW
Question time: Is the following photo SFW? Answer in the Poll below