Benefits of SHARP safety programs

Businesses that take safety seriously may consider pursuing the Safety and Health Achievement Recognition Program (SHARP ) through the Occupational Safety and Health Administration (OSHA).

Being awarded SHARP status demonstrates excellence in safety.

The initiative recognizes employers who have used OSHA’s On-Site Consultation Program services and “operate exemplary safety and health programs.”

By reaching SHARP status, an employer is granted an exemption from OSHA-programmed inspections for up to two years.

OSHA also outlines other benefits of the program:

  • Protecting workers and developing safe practices and programs
  • Lower workers’ compensation premiums
  • Improve your worker retention
  • Reduce employee days away from work
  • Better workplace morale and culture
  • Establishing a reputation for leadership and safety

In addition to the federal SHARP, similar programs exist at the state level across the U.S. A few examples of state-led SHARP initiatives include:

Minnesota

To be recognized by MNSHARP , companies must work with state officials to develop and implement a written safety program, which must include:

  • Management leadership and employee involvement
  • An allocation of resources to address safety issues
  • Systems that identify and control workplace hazards
  • A plan for employee safety training and education

Incentives for participating include assistance from the Minnesota OSHA Workplace Safety Consultation unit, public recognition for employers and employees and exemption from Minnesota OSHA Compliance scheduled inspection lists.

Minnesota also has a program specifically geared toward the construction industry .

Wisconsin

The Wisconsin SHARP initiative is run through the Wisconsin State Laboratory of Hygiene at the University of Wisconsin-Madison.

To achieve SHARP status, a company must:

  • Have a history of maintaining an injury and illness rate below the national average for its industry
  • Participate in a comprehensive consultation visit for both safety and health
  • Participate in a full evaluation of the health and safety management program in place for the company
  • Involve employees in the consultation and safety management processes
  • Correct all serious, other-than-serious, and regulatory hazards found
  • Have all basic elements for managing health and safety in place

Nebraska

In Nebraska, the state’s SHARP requires qualifying employers to go through a comprehensive consultation and review.

Companies must agree to a safety and health survey by state officials, review of an employer’s safety and health program, correct any hazards identified, and more. Once a business is SHARP certified, the benefits include :

  • Learning how to maintain a safe and healthy workplace through the development and implementation of proven effective safety and health management systems
  • Receiving no-cost consultative assistance and training provided by qualified professionals experienced in helping employers develop safety and health management programs and identify safety and health problem areas
  • Meeting program requirements to obtain a certificate of recognition from OSHA and removing the company from OSHA’s routine inspection list for one year

The Nebraska Department of Labor also presents a certificate of recognition and a SHARP program flag from the state’s governor and commissioner of labor.

Conclusion

Safety should be of paramount concern for all employers. And there are benefits to following strong safety procedures.

Check the OSHA SHARP website for more information.

OSHA launches severe injury report dashboard

Safety-focused employers have a new tool to spot trends and learn which serious injuries may be most prevalent in their industry.

In September 2024 , the U.S. Occupational Safety and Health Administration (OSHA) launched a new severe injury dashboard.

The digital tool — which includes information on severe injuries going back to 2015 — allows users to search and download data by:

  • Year
  • Industry
  • State
  • Establishment name
  • Occupational Injury and Illness Classification System codes

As of this writing, the dashboard includes data through July 31, 2024, and gives users the ability to filter and download results. The filters are detailed, accounting for hundreds of different injury types, the source of the injury and even which body part was affected.

The dashboard provides an example of a broad search result showing incidents since 2015:

  • More than 93,000 total severe injury reports
  • Nearly 76,300 total workers hospitalized
  • Nearly 25,000 total workers with amputations

For a more granular example, one could search for 2023 severe injuries in hospitals in Wisconsin. Though that search only returns three results — two hospitalized workers and one amputation — the dashboard also provides specifics on the injuries:

  • Fall on same level due to tripping over an object
  • Fall on same level due to slipping
  • Injured by slipping or swinging object held by injured worker

Safety professionals could use broader search results, and go back several years, to find potential areas for improvements depending on the workplace type.

Lastly, OSHA has provided an instructional video on how to use the dashboard.

Next SFM webinar to focus on preventing strains and sprains

SFM strains and sprains webinarSFM regularly holds educational webinars to help policyholders manage the complexities of workers’ compensation issues.

The next webinar, set for 10-11 a.m. Wednesday, June 25, is Preventing strains and sprains, an SFM webinar for policyholders. View the recording .

Our experts will explore how employers can help reduce the occurrence of strain and sprain injuries — the most common type of injury reported to SFM. Additionally, the webinar will cover several other aspects of strains and sprains, including:

  • What constitutes a strain or sprain injury
  • How these injuries typically occur
  • Manager and supervisor responsibilities to report injuries and during the claim process
  • How to identify individual and workplace risk factors
  • Why an organization’s safety program should include ergonomic training
  • Legal aspects to a strain or sprain injury
  • How to reduce the risk of litigation of a claim
  • Much more, including a question-and-answer session at the end

Need some tips for preventing these injuries before the webinar? Here are related resources about the topic:

Also, you can check out previous SFM webinars on our website.

 

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Incorporating de-escalation into your workplace safety program

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

The second segment of SFM’s de-escalation webinar focused on incorporating these tactics into workplace safety programs.

Carl Gruber, SFM Loss Prevention Specialist, outlined the four basic elements of creating a de-escalation training program:

  • Define responsibilities
  • Select a training program that suits the business
  • Create the training program
  • Craft goals and plan for continuing education

A strong safety program that includes de-escalation tactics can help employers retain workers and establish a safe working environment, Gruber said.

“We all know that retention of staff is a huge thing right now — not just from the time and money aspect of recruiting, but also from the aspect of getting the right person for the job,” he said. “You picked that individual for a reason. And you don’t want the reason they are leaving to be because they feel unsafe or like they don’t belong.”

Gruber also discussed selecting training programs based on the type of business, including:

  • School districts
  • Health care
  • Other categories of employers and factors to consider (type of worksite, schedules, guests being onsite, etc.)

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

An introduction: Workplace violence and de-escalation

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

More than 20,000 private-industry workers experienced nonfatal workplace violence in 2020, according to a 2024 report from the National Institute for Occupational Safety and Health.

That’s why de-escalation in the workplace is so important.

In November 2024, SFM held a webinar focused on de-escalation. Dana Mickelson, SFM Loss Prevention Specialist, kicked off the presentation by:

  • Defining workplace violence
  • Discussing the prevalence of workplace violence and injuries
  • Defining de-escalation

“It is important to recognize that such violence can have broader implications beyond workers’ compensation,” said Mickelson, who has 21 years of experience in the field.

Mickelson further outlines categories of workplace violence:

  • Criminal intent
  • Incidents between customers and clients (most common)
  • Worker on worker violence (workplace or interpersonal conflicts)
  • Physical relationships (spouses or significant others)

“All categories could result in workers’ compensation claims, depending on the factors of the incident,” Mickelson said.

Health care and school environments more likely to see workplace violence, she said, relaying injury data from the Bureau of Labor Statistics, including days missed based on workplace violence incidents. Mickelson also cited SFM claims data, which aligns with national trends.

There are certain factors that contribute to workplace violence, including working alone, working in areas with a high crime rate, jobs where alcohol is served and others.

Lastly, Mickelson provided a definition of de-escalation: The process of managing others’ behaviors using several tactics, including verbal and non-verbal communication.

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

AM Best reaffirms SFM’s Financial Strength Rating of A- (Excellent)

SFM Mutual Insurance Co. announced today that its Financial Strength Rating of “A- (Excellent)” and Long-Term Issuer Credit Rating of “a-” have been confirmed again by AM Best Rating Services, Inc.

Following a detailed analysis of SFM’s balance sheet, operating performance, business profile, innovation initiatives and enterprise risk management, AM Best reaffirmed SFM’s standing. Also, before publicly disclosing the rating in April 2025, AM Best conducted a thorough review of SFM’s finances and operations.

“In our annual review with AM Best, we were pleased to once again demonstrate how our commitment to service excellence delivers strong results,” SFM President and CEO Terry Miller said. “We consider the organization’s assessment to be a key indicator of SFM’s long-term financial strength and stability.”

About AM Best

AM Best is a global credit rating agency, news publisher and data analytics provider specializing in the insurance industry. Headquartered in the United States, the company does business in over 100 countries with regional offices in London, Amsterdam, Dubai, Hong Kong, Singapore and Mexico City. For more information, visit www.ambest.com .

 

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Building on a strong 2024, SFM off to a good start in 2025

Total premium by industry SFM is off to a fast start in 2025, building on the success of last year.

Claims frequency and severity were down through the first quarter of the year, and SFM saw fewer medical-only claims than expected. Following a strong January, premium is on plan through Q1, though the market continues to be competitive.

Another noteworthy item is that SFM set a record in 2024 for returning policyholders.

“Our results so far this year reflect our overall philosophy of measured, steady growth,” said Steve Sandilla, Senior VP and Chief Business Officer. “As we look to build on a good first quarter, we want to remind our agent partners that we look forward to working together to generate new business, as well.”

Meanwhile, SFM continues to garner market share in its core states. The recently released 2024 rankings for SFM are:

  • Minnesota – 1 (no change in rank, but did slightly increase market share)
  • South Dakota – 3
  • Iowa – 6
  • Nebraska – 7
  • Wisconsin – 10

At the same time, SFM also saw increases in its newer states — Kansas, Indiana and Tennessee all improved market share in 2024.

The latest figures come from regular industry reports issued by SNL Financial. SNL, a data analytics firm within the S&P Global organization, issues an annual insurance industry study that compares market share and ranks carriers within each state of operation.

Also, as a refresher, some of the highlights from 2024 include:

  • 95.5% policyholder retention rate
  • Added 6,800 new policyholders, resulting in new business premium of over $26 million
  • Total written premium for the year: $272 million
  • Another year of an A- rating from AM Best
  • SFM Foundation up to $4.1 million in total scholarships awarded

For more on last year’s numbers, see the Agent Agenda article from January.

Returning policyholders

Several years ago, SFM began tracking those policyholders who went with another insurer but later came back to SFM. And in 2024, that was a record number.

More than 300 employers that had previously moved to other carriers returned to SFM last year, boosting the bottom line and reaffirming the value policyholders see in SFM’s dedication to customer service. A broad spectrum of companies returned to SFM in 2024, but there were more large accounts that came back last year than is typical.

“Work comp insurance buyers must make a renewal decision every year,” said Mike Happe, Senior VP and Chief Marketing Officer. “That said, maintaining such a great customer renewal retention rate — and having so many departed customers return each year — are proof of the value of SFM’s high quality level of service that we provide, day in and day out.”

 

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Update on Indiana market, claims handling

SFM is making two important enhancements to its workers’ compensation operations in Indiana, both of which will go live May 1.

To begin, SFM will start writing business with mid-market employers, further expanding SFM’s presence in Indiana as it continues to gain a greater portion of the state’s workers’ compensation market.

“We’re excited about this new chapter for SFM and our commitment to Indiana,” said Cody Allen, SFM Territory Manager, who was recently elected to the governing board at the Indiana Compensation Rating Bureau. “The agents we work with know the value SFM brings to the table and our reputation for exceptional customer service. Now, that will extend to a larger pool of potential clients.”

SFM began writing business in Indiana in 2022 and previously focused on writing policies with smaller employers. Starting May 1, agents can expect SFM to be “open for business” for accounts larger than $25,000 in annual premium, said Mike Happe, Senior Vice President and Chief Marketing Officer.

“Our relationships with agency partners in our newer states are gaining more momentum with each passing year,” Happe said. “SFM’s standing as the work comp experts has helped us develop and retain business in these markets, and we’re thrilled to expand our book of business in Indiana.”

Claims handling

The second big change coming at the beginning of May is that SFM will begin handling Indiana claims in-house.

Injuries that occur on or after May 1 will be addressed by SFM claims personnel directly, rather than through a third-party vendor. (Claims with earlier injury dates will continue to be handled by a vendor.)

Policyholders will see no change in how they report claims — they can still call the SFM Work Injury Hotline, report online through SFM’s website or the CompOnline portal.

“SFM is known for its expertise in claims handling. By taking on these claims in-house, we hope to provide a higher level of customer service and a better experience for policyholders and injured workers,” said Angie Andresen, Vice President of Claims.

 

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SFM again gets high marks from NCCI on data reporting

The National Council on Compensation Insurance (NCCI) has again given SFM excellent marks for the quality of its data reporting.

Recently released results from 2024 demonstrate SFM’s commitment to accurate reporting in several categories:

  • Financial data
  • Unit statistical data
  • Policy data
  • Medical data
  • Indemnity data

The NCCI is the nation’s most comprehensive source for workers’ compensation data, insights and solutions.

“The effort we put into our data reporting is vital because it makes SFM a better carrier and makes doing business easier for agents and policyholders,” said Brian Bent, SFM Vice President and Director of Underwriting. “Quality data leads to a quality experience. And SFM’s excellent grades and percentages are important to us and our partners.”

It’s not common for SFM to receive a notice about an issue with data reporting, said Bent, who also serves on the NCCI Underwriting Committee. For several years SFM has received exceptional grades from the NCCI.

Mike Happe, Senior Vice President and Chief Marketing Officer at SFM, said accurate data reporting helps agents spend less time on policy tweaks or corrections, as well as making it easier to track down experience modification factor numbers.

“At the same time, having precise data also frees up agents to manage accounts and prospect for new business,” Happe said. “SFM is committed to quality customer service, and that extends to our data reporting.”

 

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Jirak promoted to VP of Regional Business, Large Accounts

Ryan Jirak
Ryan Jirak, VP of Regional Business, Large Accounts

SFM’s Ryan Jirak, who has more than 16 years of experience in the insurance industry, was recently promoted to VP of Regional Business, Large Accounts.

He has previously worked at SFM as a midmarket underwriter, small business marketing representative and in large accounts business development. As of 2020, he has led SFM’s strategic business unit for large accounts, now being promoted to Vice President.

“It’s exciting. Our team is incredibly experienced. We have great relationships with our policyholders and agency partners,” Jirak said. “And now our next generation is stepping up and running with the culture already created. I’m just excited to be part of it.”

Jirak said he views the team as a resource for policyholders. His role is to help ensure the transfer of knowledge when employees take on new roles among SFM’s large accounts.

“A lot of times, we’ve been working with the same claim handlers and in-house attorneys at these policyholders for 10-15 years,” he said. “It’s so fun to help develop new relationships and assist those professionals who are taking over new roles with our policyholders.”

A native of New Prague, Minn., Jirak now lives in Victoria, Minn., with his wife and dogs. During the fall, he volunteers — or “voluntold,” as he put it — on his in-laws’ apple orchard. He also enjoys enhancing wildlife habitat on his conservation property in western Minnesota.

“When I first came to the Twin Cities, I was looking for a job outside insurance,” Jirak said. “But after finding SFM, having the coworkers I do and the strong relationships we have with our policyholders, that’s the reason I come to work with a smile every day.”

 

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