Why choose SFM?

Why we’re different

There are a lot of insurers out there who handle workers’ compensation, so why choose SFM? Plain and simple, because we’re the experts.

We are the workers’ compensation insurer of choice for more than 30,000 employers in the Midwest and beyond. We are known for our customer service, focus on safety, financial stability, expertise in workers’ comp and better outcomes.


Where we do business

Headquartered in Bloomington, Minnesota, we serve employers of all sizes and types based in Minnesota, Indiana, Iowa, Kansas, Nebraska, South Dakota, Tennessee and Wisconsin.

We also provide coverage to employers with out-of-state operations in 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.

Learn more about our coverage and services

States we cover

Employers insured


Customer retention

Partner with us for better outcomes

We deliver better outcomes for agents, employers and injured workers by providing unparalleled expertise in customer service, injury prevention and follow-through. We do this by building a dedicated team that is focused on obtaining long-term positive results for injured workers and the bottom line. Here are some reasons why you should choose us.

AM Best A- Excellent rating
BBB Accredited Business A+

As a mutual insurance company we’re owned by our customers. We manage ourselves responsibly because when we succeed, our policyholders do too. We’re different from publicly traded insurance companies that often put the needs of their shareholders first.

Safety is our passion

We are a safety company, working hard to keep employees safe and bring injured workers back to health.


Video on how SFM focuses on safety and strives to keep employees safe

Our in-house services

Keeping as much of our services in house as possible means advantages for both employers and injured workers. We offer:

  • Dedicated claims professionals who average 15+ years’ experience, are locally based, and specialize in each state’s rules and regulations
  • Experienced injury prevention experts who understand employers’ unique safety risks and offer advice to prevent injuries
  • In-house nurses and occupational therapists who help injured workers return to work and assist those requiring long-term treatment
  • On-site physicians who advise claims representatives on complex medical issues and review diagnoses and treatment plans.
    Learn more about our physician advisors
  • In-house bill review professionals who help reduce costs on medical bills
  • On-site attorneys who represent SFM policyholders in litigation and help claims representatives on difficult cases
    Learn more about our attorneys
  • Subrogation specialists who recover money when injuries involve third parties
  • Fraud investigators who evaluate and pursue claims with red flags

Tools and self-help resources

We offer the following online tools and resources to make employers’ lives easier and educate them on workers’ comp:

  • Policyholder portal to access claim and policy data, build customized reports, set up alerts and more
  • Resources on hundreds of workers’ comp topics to download and order
  • Safety tools to prevent injuries and educate workers about potential hazards
  • Online bill pay and automatic payments
  • Online annual premium audits (for policyholders with premiums up to $10,000)
  • Pay-as-you-go wage reporting for reporting wages if cash-flows aren’t consistent throughout the year
  • Agency portal to submit quotes and access clients’ policies online (for agents)

New to workers’ comp?

Not everyone lives and breathes workers’ comp like we do. We recognize that you may not fully understand what workers’ compensation insurance is or how to get a policy. This is more of a comprehensive website on workers’ comp insurance, but if you want more of the basics you can visit our Workers’ Comp Essentials website.

Visit Workers’ Comp Essentials