Coverage and services

Workers’ compensation insurance for businesses of all types and sizes

Employers we want as partners

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.

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 93%, and we believe in giving our customers every reason to stay with SFM year after year.

Work comp 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.

Areas of specialty

Small businesses

More than half of our policies are $5,000 in annual premium or less. We have a dedicated team designed to serve small business customers. Our convenient online application process allows for 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.

Midsize and larger employers

We offer midsize and larger employers unparalleled claims management and loss prevention services. Our dedicated claims and safety representatives build strong relationships and really get to know your business. Many of our larger policyholders see improved experience modification factors (e-mods) over time.

Schools

We insure many large school districts and offer specialized safety resources to avoid common injuries for teachers, paraprofessionals, 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.