Our financial stability

As a mutual insurance company, we manage our business responsibly for the benefit of our policyholders. Through conservative investing and careful management, we consistently remain debt-free.

As the largest writer of workers’ compensation in the Midwest with a long track record of strong financial performance, we believe our record speaks for itself.

Financial ratings

We have an independent financial stability rating of "A" (Exceptional) from DemoTech, Inc.

View our DemoTech rating

AM Best designates SFM as NR-5 (not formally followed), which means we choose not to purchase a financial rating from AM Best.

Annual financial results

We've disclosed last year's financial highlights in our annual review.

View financial highlights

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