Account types and territory
Our underwriting philosophy
You may be wondering: “What types of accounts does SFM want to write?”
Above all else, SFM is interested in employers who care about safety and want a long-term partnership with their workers’ compensation carrier.
We’re looking for employers where management believes in taking care of their employees.
~ Steve Sandilla, SFM Senior Vice President, Strategic Business Operations
A broad range of coverage
We write businesses of all types and sizes
More than half of our policies are $5,000 in premium or less. We continue to grow in small business by offering a convenient online application process, fast quoting and competitive pricing. We can also meet the needs of the largest employers through specialized loss prevention and claims management services. We can cover any operation — from a family employing a single nanny, to a chain of stores employing thousands.
Our newest rate set has given underwriters more flexibility
The SFM Safe rate set has given many policyholders previously covered by the state assigned risk plan a lower-cost option, and has allowed SFM to write additional classes of business. SFM Safe rates are now available in Minnesota, South Dakota and Nebraska.
Our interest and expertise in healthcare is growing
SFM recently acquired Barrier Free Access , a provider of safe patient handling products, design consultation, and training with a long history of helping healthcare operations prevent injuries. SFM’s loss prevention staff includes members certified in safe patient handling who can provide specialized services for healthcare operations.
We offer specialized loss prevention services for schools
With many large school districts as policyholders, schools are a focus area for our loss prevention team. We offer specialized safety resources and expertise for loss sources specific to schools such as falls among custodial workers, musculoskeletal injuries among kitchen workers and falls among bus drivers.
Coverage throughout the Midwest
As the leading workers’ compensation insurer in the Midwest, we serve employers based in Minnesota, Wisconsin, Iowa, Nebraska and South Dakota.
We also provide coverage to employers with out-of-state operations in Alabama, Arizona, Colorado, Florida, Illinois, Indiana, Kansas, Michigan, Missouri, Montana, Nevada, Oklahoma and Tennessee.
Driving better outcomes for employers
When your clients choose SFM, you can rest easy knowing our experienced, locally-based claims representatives will manage the claim well and ensure the best possible outcome for the injured worker and the employer.
Even smaller employers who never expect to have claims benefit by knowing if the unexpected occurs, they’ll have an experienced claims representative to help them through the process.
For larger employers, the long-term value of high-quality, attentive claims management and loss prevention services is clear. Most larger SFM policyholders see their experience modification factors decrease over time.
To learn more, contact your SFM underwriter at (800) 937-1181.