Coverage and services

From a chain of stores employing thousands, to a small business with a single employee — we offer workers’ compensation insurance for businesses of all types and sizes throughout the Midwest and beyond.

We also provide third-party administration services for self-insured customers.

Employers we want as partners

Above all else, we are interested in employers who care about safety and want a long-term partnership with their workers’ comp carrier. Our annual policyholder retention rate is over 95%, and we believe in giving our customers every reason to stay with SFM year after year. 

Coverage in 34 states

• We insure employers across our eight core states: Minnesota, Wisconsin, Iowa, Nebraska, South Dakota, Kansas, Indiana and Tennessee
• We can also cover their operations in 26 additional states: Alabama, Alaska, Arizona, Colorado, Connecticut, Florida, Georgia, Idaho, Illinois, Kentucky, Louisiana, Maryland, Michigan, Mississippi, Missouri, Montana, Nevada, New Mexico, North Carolina, Oklahoma, Pennsylvania, South Carolina, Texas, Utah, Vermont and Virginia

Small business specialists

• More than half of our policies are $5,000 in annual premium or less
• Dedicated team to serve small business customers
• Convenient online application process, fast quoting and competitive pricing
• You may never have a claim, but if you do an experienced claims representative will guide you through the process

Long-term value for mid-size and larger employers

• Unparalleled claims management and loss prevention services
• Dedicated claims and safety representatives to build strong relationships and really know your business
• Improved experience modification factors (e-mods) over time for many of our larger policyholders

Areas of specialty

We insure employers in all industries, and we offer specialized services for these types of businesses.

Schools

• We insure many large school districts and offer specialized safety resources to avoid common injuries to custodians, kitchen workers and bus drivers.

Health care

• Our safety staff includes professionals who are certified in safe patient handling and can provide specialized services for health care operations.
• We offer specialized health care safety resources to help employers avoid common injuries in health care settings.