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SFM Executive Management


Robert T. Lund

President and Chief Executive Officer

Bob Lund has served as President and Chief Executive Officer of SFM Mutual Insurance Company since May 2007. He joined SFM in 1998 and was formerly Vice President and General Counsel.

Previously, Mr. Lund held senior executive and general counsel positions at three Twin Cities-based financial services companies and was engaged in private law practice. He is a graduate of Hamilton College, Clinton, N.Y., and William Mitchell College of Law, St. Paul, Minn.

Mr. Lund is chair of the Minnesota Safety Council Board of Directors, and also serves on the boards of the Minnesota Workers' Compensation Reinsurance Association, the Minnesota Insurance Guaranty Association, and the Insurance Federation of Minnesota. He is also a recent past chair of the Minnesota Client Security Fund Board and the Labor / Management Committee of the Minnesota Chamber of Commerce.



Terrence L. Miller

Executive Vice President and Chief Operating Officer

Terry Miller, a Certified Public Accountant and Chartered Financial Analyst, joined SFM in 1984. Previously, he practiced nearly five years with KPMG (formerly Peat, Marwick, Mitchell & Co.), the largest international independent auditing firm.

Mr. Miller is a member of the Minnesota State Society of CPAs, the American Institute of CPAs, CFA Institute, and the Insurance Accounting and Systems Association. He serves on the Minnesota Workers' Compensation Reinsurance Association Actuarial Committee and the Insurance Federation of Minnesota's Tax Committee. Mr. Miller participated in the Minnesota Chamber of Commerce's Leadership Minnesota program. He serves on the Minneapolis Urban League Board of Directors and chairs its Audit Committee.

He is a 1980 honors graduate from the University of Minnesota–Duluth, and in 1987 earned a Master's Degree in Business Administration from St. Thomas College, St. Paul, Minn.



David E. Kaiser

Senior Vice President and Chief Information Officer

Dave Kaiser joined SFM in 1992 as Senior Program Analyst and subsequently served in various leadership capacities in the Information Systems department. He has served as Chief Information Officer since 2005.

Mr. Kaiser is a member of the Minnesota Insurance Federation Information Technology Committee, United Way Emerging Leaders, and is a former Big Brother with Big Brothers Big Sisters.

He earned a Bachelor of Arts degree in Computer Science from Metropolitan State University, St. Paul, Minn., and has more than 27 years' experience in Information Technology and 20 years' experience in insurance-related technology.

Mr. Kaiser co-founded the SFM Foundation in 2008 with SFM President and CEO Robert Lund, and currently serves as its President.



M. Scott Brener

Senior Vice President and General Counsel

Scott Brener joined SFM in 2007, having previously held a wide variety of influential roles, both in the public and private sector.

His governmental experience includes the following positions: Commissioner of the Minnesota Department of Labor and Industry, President of the National Association of Government Labor Officials, Assistant Commissioner for the Minnesota Department of Trade and Economic Development, and Deputy Commissioner for the Minnesota Office of Technology.

His private sector career includes leading the Minnesota government and regulatory division for US West/Qwest, as well as establishing a consulting practice in legislative and regulatory affairs.

Mr. Brener has held leadership positions within the Wisconsin Insurance Alliance, IAIABC, Citizens League, Minnesota Chamber of Commerce, Minnesota Safety Council, Insurance Federation of Minnesota, Iowa Insurance Institute, South Dakota Insurance Association, Nebraskans for Workers’ Compensation Equity and Fairness, and American Association of State Compensation Insurance Funds.

He is a graduate of both Georgetown University, Washington D.C., and Emory School of Law, Atlanta, Ga.



Michael L. Happe

Senior Vice President and Chief Marketing Officer
President, SFM Risk Solutions

Mike Happe, CPCU, joined SFM in 2005.

Mr. Happe is a Governor for the national Chartered Property Casualty Underwriters (CPCU) Society. He currently serves as a director and secretary of the National Workers' Compensation Reinsurance Association. He is also a Commissioner on the Economic Development Commission for the City of Minnetonka, Minnesota, and serves on the Minnesota Homeownership Center Board of Directors.

Prior to joining SFM, Mr. Happe served as Vice President of the National Association of Mutual Insurance Companies (NAMIC) and in leadership positions at two national insurance carriers.

He earned a Bachelor of Arts degree and a Master's Degree in Business Administration from the University of St. Thomas, St. Paul, Minnesota, as well as the Chartered Property and Casualty Underwriter (CPCU) designation.

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Steven T. Sandilla

Senior Vice President, Strategic Business Operations

Steve Sandilla joined SFM in 1991 as a claims representative and subsequently advanced to serve as Claims Supervisor and Large Accounts Business Manager.

Mr. Sandilla oversees SFM's business operations and direct profit and loss.

He earned a Bachelor of Science degree in Communications in 1990 from the University of Wisconsin–Stevens Point.



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