As a mutual insurance company owned by our policyholders, we have no outside stockholders who financially benefit from our operations – SFM’s decisions are motivated only by our partners’ best interests.

Service guides every decision we make, with a clear focus on doing what’s right for the insured, keeping workers safe and being a reliable partner to the agents who represent us.

SFM brings stability to a market that can be unpredictable. It’s not part of our corporate strategy to chase short-term trends or overreact to shifts in the workers’ compensation market.

Instead, we can stay consistent in our appetite, remain competitive and write business thoughtfully – without being at the whim of shifting market conditions. For agents, that stability translates into confidence, continuity and fewer surprises when servicing accounts.

This approach benefits everyone involved:

• Agents get a carrier partner that values certainty, transparency and sustainable results
• Employers get dependable management of their coverage
• Injured workers get consistent support, focused on outcomes

As The Work Comp Experts, we bring deep industry knowledge across underwriting, claims and safety. That expertise helps employers manage risk, respond quickly to injuries and build safer workplaces. And it gives agents confidence they’re backed by a carrier that truly understands work comp.

Agents consistently tell us they value how easy SFM is to work with and how much they appreciate the level of service we provide. Agency survey results reinforce that message year after year. Our mutual insurance company structure keeps us aligned with the needs of agents and policyholders, and it allows us to respond with solutions that support successful outcomes.

We understand that when we take care of our clients, we all succeed together.

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