Underwriter accomplishments – first half of 2025

Here’s a look at the latest promotions and accomplishments for SFM’s underwriting staff over the past several months.

  • Tamara Flanagan was promoted to Underwriting Technical Support Representative
  • Phil Roberts was promoted to Marketing Underwriter
  • Nick Frederickson was promoted to Senior Underwriter
  • Michelle Santalucia joined SFM as an Underwriter on the Wisconsin Accounts team
  • Crystal Frederick was promoted to Senior Underwriter
  • Jason Willis was promoted to Marketing Underwriter Specialist
  • Sadie Zorn was promoted to Senior Marketing Underwriter

Other SFM news of note:

  • SFM CEO Terry Miller was named the president of the American Association of State Compensation Insurance Funds
  • Mark Thalberg joined SFM as Senior Defense Counsel with Schmidt, Scharfenberg & Hollick
  • Ryan Jirak was promoted to VP of Regional Business, Large Accounts
  • Shawn Miner, SFM’s VP of Regional Business, Iowa/Nebraska/Kansas Accounts, was appointed to the governing board of the Kansas Workers’ Compensation Insurance Plan

 

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SFM to attend upcoming industry events: Summer/fall 2025

Strains and sprains webinar recording available

The recording of SFM’s recent webinar, Preventing Strains and Sprains, is now available.

Click here to watch the presentation .

Our experts discussed a range of issues related to the topic, including how employers can help reduce the occurrence of strain and sprain injuries — the most common type of injury reported to SFM.

The webinar covered:

  • What constitutes a strain or sprain injury
  • How these injuries typically occur
  • Manager and supervisor responsibilities to report
  • How to identify individual workplace risk factors
  • Why safety programs should cover ergonomics
  • Legal aspects to a strain or sprain injury
  • How to reduce the risk of litigation of a claim
  • More, including a question-and-answer session at the end

Lastly, you can find previous educational webinars on our website.

 

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Golf tournaments raise $150,000 for SFM Foundation

The SFM Foundation’s recent golf tournaments generated $150,000.

Held in Minnesota and Iowa, the events are the largest fundraisers for the SFM Foundation, a nonprofit that helps families affected by workplace injuries by providing scholarships to children of workers disabled or killed in work-related accidents.

“We are so grateful for the continued support of our agent partners, clients and others in the community,” said Linda Williams, President of the SFM Foundation. “Without their generosity, we wouldn’t be able to help as many students as we do each year.”

In total, 240 golfers came out for the two events, and sponsors helped garner more funding for scholarship recipients.

“We are proud of our efforts to support these families as they endure challenging times,” said Andy Gebhard, Chair of the SFM Foundation Board of Directors. “Helping these students reach their goals takes all of us working together — sponsors, agents and volunteers. It’s amazing to see how much the foundation has grown over the years. We’re proud of our mission and thankful for the ongoing support from everyone involved.”

New record for scholarship funds

Earlier this year, the SFM Foundation announced nearly $600,000 in new scholarships, a record since the organization was founded in 2008.

“We have seen a steady uptick in the number of applicants for our scholarship, so being able to award more students and provide more funding this year is amazing,” said Deb Zorn, the foundation’s scholarship director. “It’s so rewarding to see these young people follow their dreams with the support of the foundation community.”

This year marks the highest number of scholarships awarded in the foundation’s history – 19.

About the SFM Foundation

The SFM Foundation was created in 2008 by SFM Companies, a regional workers’ compensation insurance group headquartered in Bloomington, Minn. The nonprofit is dedicated to easing the burdens on families affected by workplace accidents. Since its inception, the foundation has awarded 266 scholarships totaling $4.7 million. For more information, visit sfmfoundation.com .

The SFM Foundation is an affiliate of Kids’ Chance of America in Iowa and Minnesota.

 

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New AutoPay, payment and billing features in SAM

Agents can now make payments and manage AutoPay for customers right within SFM Agency Manager (SAM). Also, we have enhanced the billing information agents can see within SAM.

The upgrades rolled out this spring.

AutoPay management and payments

You no longer need to leave SAM to make a payment on behalf of a customer.

Within the Policies section of SAM, on the “Billing Summary” page of any policy, you will be able to:

  • Make a one-time payment
  • Set up AutoPay
  • Change the AutoPay payment method
  • Change the AutoPay email notification recipient
  • Cancel AutoPay

You are still able to set up AutoPay right away during the binding process.

Enhanced billing information

You also have access to additional information on the Billing Summary page to help you better answer customers’ questions about their SFM bills.

On the Billing Summary page, you can find:

  • A downloadable installment schedule
  • Current invoices and their payment status
  • Payment details, such as date paid and payment method
  • Return fund amounts

 

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Legal aspects of a workplace violence injury

This is the last in a four-part series of SFM blogs recapping our November 2024 webinar, De-escalation in the workplace, An SFM webinar for policyholders.

The final portion of SFM’s webinar on de-escalation focused on the legal aspects of a workplace violence injury.

Cheryl Bowsfield, former Senior Defense Counsel with SFM’s in-house law firm (retired in July 2025), outlined the ways in which implementing workplace violence de-escalation practices and procedures can benefit an injured workers claim and your workers’ compensation policy.

She also discussed whether workplace violence injuries are compensable or not depending on the situation, and provided specific examples of incidents in certain industries:

  • Schools
  • Heath care facilities
  • Warehouses
  • Fast food establishments

An attorney with 26 years of experience in the field, Bowsfield also talked about workplace violence involving third-party individuals and the costs of litigated claims.

Lastly, the presentation wrapped up with action items employers can take regarding workplace violence and de-escalation. Watch the video above for details.

Check out the complete recording of the webinar, and you can also peruse previous installments from our blog series on de-escalation:

Handling workplace violence claims

This is the third in a four-part series of SFM blogs recapping our November 2024 webinar, De-escalation in the workplace, An SFM webinar for policyholders.

The third segment of SFM’s de-escalation webinar focused on handling workplace violence claims.

SFM Claims Specialist Brian Fitzgerald, who has over 25 years of experience in the field, opened his portion of the presentation by discussing how SFM ensures claims are handled effectively:

  • Medical-only claim reps – focus on medical claims
  • Lost-time claim rep – focuses on medical and lost-time claims
  • Bill review – ensures bills are accurate and timely
  • Nurse Case Managers – review recommendations for optimal care and return to work
  • Doctors – consults to ensure optimal care leads to return to work
  • Independent medical exam – used for second opinions
  • Medical/legal review – involves several parties to determine the best plan

Fitzgerald then provided a rundown of workers’ compensation law and different types of claims, as well as the direct and indirect costs of a workplace injury.

Due to the types of injuries and issues that can that occur from workplace violence (concussions or PTSD, for example), these cases can result in longer timelines before closure.

“The absence of a de-escalation program can exacerbate these claims in both complexity and costs,” Fitzgerald said. “These claims have significant implications for all involved.”

He wrapped up his portion of the webinar with the impacts of litigated claims and the benefits of return-to-work programs.

Check out the complete recording of the webinar and view other posts in our blog series highlighting the presentation:

SFM Foundation announces nearly $600,000 in new scholarships

The SFM Foundation recently awarded this year’s round of college scholarships, helping 19 new students totaling $596,000 in funding.

“It’s incredible to see how much our organization has grown over the years,” said Linda Williams, SFM Risk and Compliance Technical Specialist, who serves as the foundation’s president. “We are so grateful to all our donors and the volunteers who make our efforts possible.”

The SFM Foundation is a nonprofit that helps families affected by workplace injuries by providing scholarships to children of workers disabled or killed in work-related accidents.

Compared to 2024, the foundation awarded four more scholarships and more than $100,000 in additional funding this year. The SFM Foundation has now awarded 266 scholarships totaling $4.7 million since its inception.

“We have seen a steady uptick in the number of applicants for our scholarship, so being able to award more students and provide more funding this year is amazing,” said Deb Zorn, SFM VP of Regional Business and the foundation’s scholarship director. “It’s so rewarding to see these young people follow their dreams with the support of the foundation community.”

‘Gold’ status for SFM Foundation

The SFM Foundation recently reached Gold Level status from Kids’ Chance of America, recognizing top-tier excellence in nonprofit operations. One of the final steps to reach that status was creating a whistleblower policy.

“One of the other criteria necessary for Gold Level of Excellence is for the State Organization to consider having a paid executive director,” Williams said. “The SFM Foundation is fortunate to rely solely on volunteers to handle its operations, and no paid staff is needed, ultimately qualifying us for the Gold Level.”

In Iowa and Minnesota, the SFM Foundation is an affiliate of Kids’ Chance of America.

“It’s an honor to reach the Gold Level from Kids’ Chance,” said Lindsay Henningsgaard, Marketing Underwriter Specialist and the foundation’s executive director. “The new designation doesn’t change our mission of helping students who have been impacted by workplace injuries, but it is nice Kids’ Chance recognized the strength of our organization.”

June golf fundraiser

The SFM Foundation’s golf fundraiser in Minnesota is full. However, people can still attend lunch, dinner or sponsor. Note, though, that sponsors will no longer be listed in print materials (deadline was May 1).

The event is set for Monday, June 9, at Prestwick Golf Club in Woodbury. Find more information on the event page . The Iowa golf fundraiser was held May 19.

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

About the SFM Foundation

The SFM Foundation was created in 2008 by SFM Companies, a regional workers’ compensation insurance group headquartered in Bloomington, Minn. The nonprofit is dedicated to easing the burdens on families affected by workplace accidents. Since its inception, the foundation has awarded 266 scholarships totaling $4.7 million. For more information, visit sfmfoundation.com .

The SFM Foundation is an affiliate of Kids’ Chance of America in Iowa and Minnesota.

 

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Get to know an SFM Team Leader: Nathan Gaffaney

SFM Team Leader Nathan Gaffaney
SFM Team Leader Nathan Gaffaney

Nathan Gaffaney has been with SFM since 2001, holding a variety of roles during his tenure here. In 2024, he was promoted to Team Leader. We asked Gaffaney to share a little bit about his background and role.

Tell us a little bit about your background.

My first job out of college was at SFM. I started with a claims training program and worked as a claims adjuster for three and a half years. Then I transferred to premium audit and the finance department — at that time, those two departments were combined. I worked in those areas for several years.

Then transferred to our North team as an underwriter until January of 2024, when I was promoted to the team business leader position.

Why have you stayed at SFM as long as you have?

I’ve had great managers along the way — they’ve probably seen things in me that I don’t see in myself and encouraged me to try different things.

I was also part of SFM’s Aspire program, which looks to identify people as future leaders. That was almost 10 years ago. But I’ve enjoyed the ability to have different roles at SFM the flexibility to try different things and stay with a company that’s great to its employees.

How would you describe your role in a nutshell?

In my current role, I’m overseeing three different disciplines for the North team — medical-only claims, loss prevention and nurse case managers. And I continue to have an underwriting/marketing role where I’m out talking to different agencies.

Is there a time that stands out to you when your job was particularly rewarding?

I’ve always enjoyed the relationships that I’ve been able to build with my agents.

When I ended up in the underwriter role and the marketing piece of the job, I really developed lifelong friendships with some of the people I worked with as clients. That’s been one of the most rewarding pieces.

What do you like about your job?

The people. I know that’s cliché, but the coworkers and clients I work with, the leaders I’ve had, they’ve all been great people and were always looking out for me.

I also like the vision of the company and what we’re doing and trying to do it well. We’re always focused on doing the next right thing, like Terry (Miller, SFM President and CEO) says. That’s big for me.

What’s most challenging about your job?

For me, in my current role, I hadn’t managed people before — so it’s been a lot of learning the nuances of managing people and their different roles and how you can assist them and be an advocate for them even when you’re not an expert in that particular role. So that’s been the hardest piece of it for me.

 

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CompOnline admin change: Unique email addresses required for new users

CompOnline users for the same policy must now have different email addresses. CompOnline® is SFM’s web-based claims portal for policyholders.

Administrators can no longer create a new user if another user is already assigned the same email address for the same policy.

We added this requirement to prevent admins from accidentally creating duplicate accounts, and in preparation to allow users to log in with their email address later this year.

If you have any questions about this change, please contact us.

 

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Our log in process is changing! Starting Oct. 30, if you log in to our site, you'll use your email address rather than a username. Learn more.   

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