Long-term value for school districts

SFM provides the service 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 services 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

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.

Schools working with SFM see their e-mods drop an average of 1 percent per year.Line graph showing e-mod going down by one percent per year over 10 years

Average school district e-mod reductions over time

School districts we insure


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 Get Fit & Exercise program to prevent shoulder injuries among school food service workers, and others at high risk.

Find more resources on our school safety 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.