Coverage and Services

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Business Types

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Multi-State Coverage

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Employment Practices Liability

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Business Types

SFM welcomes large, small and middle-market employers across all industries. Our experienced underwriters are divided into specialized work teams to serve the needs of large, small and mid-size employers, as well as those who are self-insured.

SFM serves employers across Minnesota, Iowa, Nebraska, South Dakota and Wisconsin as well as their out-of-state operations in 11 additional states.
   Learn about multi-state coverage 

Small employers

SFM serves thousands of small businesses in the Midwest, focusing on low-risk employers. SFM's large volume of small business allows for efficiency and competitive pricing.

If you have a question about SFM's small accounts, please call (952) 838-4200 or (800) 937-1181 ext 2048.

Mid-size and large employers

SFM welcomes business from a broad range of mid-size and large employers. SFM offers specialized services these employers are looking for in a workers' compensation partner, such as:

• Loss prevention consultation
• Development of an effective return-to-work program
• Aggressive medical case management using SFM's in-house consulting doctors, nurses and occupational therapists
• Legal expertise provided by SFM's attorneys
• State-of-the-art systems to help employers manage claims and analyze their losses

SFM looks for employers with:

• Consistent loss histories
• A commitment to loss prevention and return to work
• An engaged human resources staff
• Interest in a quality workers' compensation program for long-term cost control

SFM may even be a match for employers in industries known for difficult loss experience but who have distinguished themselves by establishing effective safety programs or by responding proactively to injuries.

Specialized services for large employers

SFM works with large employers and their agents to develop large-deductible and loss-sensitive plans customized to their tolerance for insurance risk and desire for deeper levels of personalized service.

Let SFM quote your coverage

Employers
Contact your independent insurance agent for more information, or to obtain a quote.

Agents
Learn about application submission options 
Questions can be directed to an SFM underwriter at (952) 838-4200 or (800) 937-1181.