The SFM Difference: History of SFM

This is the first in a five-part series recapping our webinar, The SFM Difference.

 

The first segment of SFM’s webinar highlighted the features and services that make us a premier workers’ compensation partner focused on the company’s history.

SFM Mutual Insurance Company began as a member-owned mutual company established by the State of Minnesota and quickly grew to an industry leader in Minnesota and eventually the Midwest and beyond. The segment continues through the 40-plus years of providing work comp coverage, including:

  • Early leadership
  • Growing the business
  • Establishing SFM’s philosophy

Check out the full recording of the webinar, as well as other installments of our blog series:

Lastly, you can find this and other educational webinars on our website.

The SFM Difference: Partnering with SFM

This is the second in a five-part series recapping our webinar, The SFM Difference.

 

The second segment of SFM’s webinar focused on the value we bring to agents and policyholders.

Specifically, we covered:

  • Building relationships
  • The value of specialization
  • Online services and resources
  • Our team-based approach
  • Strong results

Check out the full recording of the webinar, as well as other installments of our blog series:

Lastly, you can find this and other educational webinars on our website.

The SFM Difference: SFM claims philosophy

This is the third in a five-part series recapping our webinar, The SFM Difference.

 

The third segment of our webinar outlined how our claims handling is an extension of our customer service philosophy.

SFM’s unique structure allows us to:

  • Develop partnerships with policyholders
  • Meet the needs of injured workers
  • Support return-to-work programs
  • Manage claims with our in-house team of experts
  • Create technology to help employees and policyholders

Check out the full recording of the webinar, as well as other installments of our blog series:

Lastly, you can find this and other educational webinars on our website.

The SFM Difference: Introduction to premium audit

This is the fourth in a five-part series recapping our webinar, The SFM Difference.

The fourth section of our webinar outlined the premium audit, an annual process every workers’ compensation carrier conducts with policyholders to confirm the accuracy of their employee count and total payroll for the policy period.

We outlined:

  • The steps policyholders must go through
  • How we make the process as smooth as possible
  • SFM’s premium audit expertise
  • Our commitment to efficiency

Check out the full recording of the webinar, as well as other installments of our blog series:

Lastly, you can find this and other educational webinars on our website.

The SFM Difference: SFM medical team advantage

This is the final in a five-part blog series recapping our webinar, The SFM Difference.

The last segment of our webinar focused on the medical expertise we bring to workers’ compensation coverage.

SFM has a diverse array of professionals who work in concert to provide the best outcomes for injured workers.

Check out the full recording of the webinar, as well as other installments of our blog series:

Lastly, you can find this and other educational webinars on our website.

Join us for the SFM Foundation’s 2026 golf events

Mark your calendars now for the SFM Foundation’s annual Iowa and Minnesota golf events.

The outings are the biggest fundraisers of the year for the foundation, which provides helps families affected by workplace injuries by providing scholarships to children of workers disabled or killed in work-related accidents. The SFM Foundation is an affiliate of Kids’ Chance of America in Iowa and Minnesota.

These events bring together agent partners, supporters and scholarship recipients for a meaningful day on the course, all while raising critical funds students.

“Our golf events are powerful reminders of what community support can accomplish. Every sponsorship and every golfer directly impact a student’s ability to pursue their educational goals after a family tragedy,” said Deb Zorn, the foundation’s Scholarship Director.

2026 golf events

The Iowa golf event will be held Monday, May 18, at Tournament Club of Iowa in Polk City. This is a new location for the fundraiser. Register now .

Minnesota’s golf fundraiser will be held Monday, June 8, at Prestwick Golf Club in Woodbury. Register now .

You can take part by sponsoring the event, enjoying a day of golf, or both. Sponsorship opportunities are available at multiple levels. Visit the links above for more information.

“We’re always so thankful of the support of our agent partners, clients and others who contribute to our mission. These golf events are not only a way to raise scholarship funds, but they also allow those involved to connect and build a community,” said Linda Williams, President of the SFM Foundation.

2025 highlights

The SFM Foundation had a successful year in 2025. Highlights include:

  • Nearly $600,000 in new scholarships, a record since the group was founded
  • Awarding the highest number of scholarships in the foundation’s history, 19
  • The Iowa governor proclaiming Oct. 13-17 as Kids’ Chance Week (the SFM Foundation is an affiliate of Kids’ Chance of America in Iowa and Minnesota)
  • Reaching Gold Level status from Kids’ Chance of America, recognizing top-tier excellence in nonprofit operations

About the SFM Foundation

The SFM Foundation was created in 2008 by SFM Companies. The nonprofit is dedicated to easing the burdens on families affected by workplace accidents. Scholarships are awarded regardless of which workers’ compensation insurer was involved in the claim. Since its inception, the foundation has awarded 266 scholarships totaling $4.7 million. For more information, visit sfmfoundation.com .

 

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Why policyholders choose SFM

The results of a recent policyholder survey demonstrate the value our customers see in SFM and illustrate why we continue to have an exceptional client retention rate each year.

Each year, we send surveys to policyholders with over $25,000 in premium to get their thoughts about their workers’ compensation experiences with SFM. The latest survey was sent in October 2025 and the results were recently tabulated.

Among the key findings, most respondents, 92%, were “extremely” or “somewhat” satisfied with SFM. Regarding ease of doing business 93% said SFM was “very easy” or “easy” to do business with.

New to this year’s survey was a specific question about claim experiences. Again, we received high marks from policyholders – 90% reported that the experience was “excellent” or “very good” with SFM.

The premium audit experience, also a new survey question, received strong ratings, with 84% saying it was “excellent” or “very good.” 

“We’re always excited to hear back from folks about their experiences with SFM – we strive to provide top-shelf customer service,” said Steve Sandilla, Senior Vice President and Chief Business Officer. “In fact, nearly two-thirds of respondents to one survey named at least one SFM employee who provided excellent customer service – that’s a 9-percentage point increase from 2024.”

Regarding positive comments from survey respondents, customer service was the topic most frequently cited.

Returning customers

The results of those surveys are reflected in two other clear metrics – a 93% customer retention rate.

“With our customer-focused service model, we see outstanding retention rates year after year compared to our competitors,” said Mike Happe, Senior Vice President and Chief Marketing Officer. “Our value comes from maintaining excellent practices that always put policyholders first.”

We also had a record for returning clients in 2025. Last year, 374 employers that left us at some point in the last three years returned to SFM. That figure bested the previous record of 333 in 2024.

“We play a long game at SFM, and it’s so cool when we win former customers back with levels of service that our competitors cannot match,” Happe said. “That’s what I call proof in the pudding of the value of SFM’s consistent, industry-leading, high-quality service.”

 

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How SFM supports injured workers

When a part-time high school hockey coach who was also a full-time law enforcement officer suffered a traumatic brain injury  after hitting his head on the ice in January 2025, SFM stepped up to help his recovery go as smoothly as possible.

“Early communication was key,” said Robin Breuer, Senior Nurse Case Manager with CompRehab, a subsidiary of SFM. “Heather (Lutterman, SFM Senior Claims Representative) was awesome right out of the gate here. She connected with the employer for not only the incident information but also family contact information and where the employee had been taken.”

From there, Breuer secured medical information from the hospital and Lutterman contacted the injured worker’s wife to provide initial information on the workers’ compensation process, benefits, etc. An SFM rehabilitation consultant was also assigned to the claim.

“After initial medicals and hospital contacts were made, a roundtable was scheduled with a number of disciplines,” Breuer said. “Having (SFM’s Dr. Andrew) Wilkins available to provide guidance for us was crucial, and we continued with frequent meetings so that all team members were up to date on his status and developing the best plan moving forward.”

That communication continued, as Lutterman scheduled meetings with the SFM medical team and kept in contact with the spouse and employers.

“Fortunately, this employee progressed quickly and moved to rehab,” Breuer said. “There were a few bumps in the road with rehab and setbacks, but adjustments and changes were made in the rehab plan and the employee received additional services necessary for a successful recovery.”

Breuer praised Lutterman for her role in keeping everyone on the same page.

“This was one of those cases that make you feel good about what you do,” Breuer said. “It took everyone working together – employer, family, providers, insurance company and rehab facilities – to have such a successful outcome.”

As for the injured worker, he’s now back on the ice.

How employers can support workers experiencing Seasonal Affective Disorder (SAD)

When winter sets in and daylight fades, employees may begin to feel the effects of Seasonal Affective Disorder (SAD), a form of depression triggered by reduced sunlight and shifting biological rhythms.

SAD can affect workplace morale, productivity, safety and overall employee well‑being. Fortunately, employers can play a proactive role in helping workers navigate this seasonal challenge with compassion and practical support.

What is SAD

Seasonal Affective Disorder is a type of depression tied to seasonal changes as daylight decreases. Symptoms can include persistent low mood, fatigue, oversleeping, difficulty concentrating, irritability, changes in appetite, and social withdrawal, according to the Mayo Clinic .

These symptoms can impact workplace performance, leading to decreased productivity, higher absenteeism, increased errors and strained team relationships.

How SAD affects the workplace

According to the Washington State Department of Labor & Industries , there are several ways in which SAD can negatively affect the workplace, including:

  • Employee job performance and productivity
  • Overall engagement with work
  • Poor communication with coworkers
  • Reduced physical capability and daily functioning

The department encourages employers to exercise habits that can help prevent SAD, such as getting enough sleep, seeking sunlight (including a light-therapy lamp), maintaining strong relationships, eating well and asking for help.

While the Mayo Clinic says that there is no known way to prevent the onset of SAD, there are measures people can take to manage symptoms and prevent them from getting worse as winter wears on.

In addition to the items listed by Washington State officials above, Corporate Wellness Magazine reports other steps employers can take to combat SAD among employees:

  • Offer flexible hours or remote work options: Doing so can help workers manage their own exposure to natural light and reduce stress.
  • Encourage physical activity: Exercise can help reduce stress and boost energy levels.
  • Provide support for mental health: Giving employees access to mental health professionals can help workers deal with a variety of issues.

It should also be noted that symptoms of SAD are not compensable for work comp in SFM’s core states.

Why employer support matters

Supporting employees with SAD is not only compassionate, it’s also good for business. Addressing SAD reduces absenteeism, prevents burnout, improves collaboration and supports a more engaged and productive workforce.

Employers who proactively address mental health challenges build workplaces where people feel valued, supported and able to do their best work year‑round.

State of Wisconsin improves online work comp claims system

Improvements to the State of Wisconsin online claims system were completed in August 2025, which the Wisconsin Worker’s Compensation (WC) Division touted as a “major upgrade” for insurance carriers, employers and claims adjusters.

“The new claims system rolled out last year was a great improvement,” said Deb Kintop, SFM Claims Jurisdictional Specialist for Wisconsin Accounts.

In Wisconsin, insurance carriers and self-insured employers are required by law to submit injury claim reports to the WC Division. For more than two decades, many of these reports were submitted electronically through the pending reports internet application. Launched in 2001, the system needed upgrades to meet internet security needs and integrate the new security updates being made across Wisconsin government platforms.

The state’s modernized portal, which was rolled out to users starting in March 2025 and completed in late August, includes several enhancements:

  • Document upload capability
  • Claim processing status information
  • Payment updates
  • Improved site navigation
  • Migration to MyWisconsin ID single sign-on solution
  • Combined performance and assessment reports

“The new website will make it easier for our external stakeholders to provide us with the required claim updates and improve communication with the division,” WC Claims Management Section Chief Rodney Gennrich said in a November 2025 news release .

Approximately 1,200 insurers, employers, and other registered users access the portal regularly, and the upgrades to the work comp injury claim system were aimed at making it easier for all users to submit claims and access information, and for injured workers to receive the benefits they’re due.

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