'Should I submit this app to SFM?'
Let SFM quote business of all types, sizes and locations

Overview
Large, small and middle markets--our teams at SFM specialize in serving the needs of these specific areas of the market. We welcome business in all those markets.

We welcome business across all industries, too. Our book of business reflects a cross-section of Minnesota, Wisconsin and South Dakota business.
SFM is not a niche market.

Small Business Accounts
SFM looks for very small business accounts that are
low exposure and low maintenance. SFM's volume of
small business--policies as little as $200--has grown substantially in recent years.

Through SFM Application Manager (SAM), agents can quote and bind low-risk small accounts.

Middle Market Accounts
SFM has a continuing appetite for middle-market business. It looks for employers with loss histories that are not so unpredictable as to make pricing a dart
board game.

We look for indications of openness and commitment
to loss prevention and return-to-work. We're a good match for employers that have an engaged human resources staff and show they value their employees, because they generally are going to make good use of what we have to offer when it comes to work comp claims.

A long view is important. We look for employers who have sufficient interest in making theirs a work comp program for long-term cost control.

SFM may even be a match for employers in industries known for volatile losses--such as trucking and healthcare--but who have distinguished themselves by establishing effective, long-term safety programs or by responding proactively to injury. SFM is a good match to help them make this a competitive edge for their business.

Large Accounts
SFM actively writes large accounts over $200,000. Many large employers are looking for a workers' compensation partner whose services match with the objectives of their own pre- and post-injury activities--services such as loss prevention consultation, the aggressive medical case management of SFM's in-house consulting doctors, nurses and occupational therapists, and the legal expertise of SFM's attorneys.

SFM welcomes opportunities to develop these long-term, two-way relationships. SFM works with large employers and their agents to develop large-deductible and loss-sensitive plans customized to their tolerance for insurance risk and need for deeper levels of personalized service.

What to include in your submission
Providing SFM underwriters with accurate and complete application materials helps to get a better picture of the employer's operation controls.

Required application materials include:

• Completed ACORD application
• Currently valued three- to five-year loss runs
• Experience mod worksheet

Bottom line
SFM wants to work with you to understand the risk and develop pricing that is both competitive and appropriate. You are encouraged to let SFM quote business of all types, sizes and locations. If you have questions, please contact an SFM underwriter.