Long-term value for school districts

SFM provides the service and expertise to help you reduce injuries and save money on premiums over time. Learn why we are the right choice for workers’ comp insurance for school districts.

Unmatched service

SFM provides results-oriented workers’ compensation service to schools that far exceeds the competition. Our services include:

  • A dedicated claims adjuster
  • Specialized school loss prevention
  • Expert in-house attorneys and outside counsel
  • Medical cost containment
  • Doctors and nurses on staff
  • Online claims data analysis
  • Injury reporting through 24/7 nurse hotline

Line graph showing e-mod going down by one percent per year over 10 years

Long-term savings

SFM’s services help school districts lower claim costs and prevent injuries. This leads to lower experience modification factors (e-mods), helping to save money on workers’ compensation premiums.

School districts we insure

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Customer retention

A leader in school safety

We’ve partnered with academic researchers and industry professionals to study and address school employee injuries.

Our original research into school employee injuries revealed the most common causes of school employee injuries, and the most at-risk categories of employees.

We developed the innovative De-escalation Team Training guide to provide school employees the knowledge they need to maintain safety for themselves and their students.

Find additional resources on our School safety resources page.

Giving back to students in need

Through the SFM Foundation , we provide post-secondary scholarships to students whose parents were disabled or fatally injured in work-related incidents in Minnesota and Iowa.