March 21, 2024
SFM hires Kate Daly as corporate counselSFM Mutual Insurance Company, a regional workers’ compensation insurer, has hired Kate Daly as Corporate Counsel.
March 21, 2024
SFM hires Kate Daly as corporate counselSFM Mutual Insurance Company, a regional workers’ compensation insurer, has hired Kate Daly as Corporate Counsel.
March 14, 2024
OSHA electronic reporting requirements for employersYou may have questions about whether your business is required to submit information to OSHA electronically, and what information you will need to submit.
March 8, 2024
ROI and VOI: A strong wellness program measures bothWhen making the case for wellness programs, measuring both ROI and VOI will illustrate the impact the program has on your organization.
March 7, 2024
SFM enhances MyPayroll premium audit systemSFM is making upgrades to its online MyPayroll system with new features and a streamlined process to make it even easier for policyholders to complete annual premium audits.
March 4, 2024
Total Worker Health: What you need to knowTotal Worker Health offers an integrated approach to worker health, safety and well-being with a proactive approach to overall health and wellness.
March 4, 2024
How floors can help prevent slips and fallsSlips and falls can happen to anyone. Doing what you can to make your floors more slip resistant is one way you can prevent workplace injuries.
February 27, 2024
Top seven safety tips for office workersWhile office jobs are generally considered safer than others, they do have their own unique hazards. Here are seven tips for office workers to prevent workplace injuries.
February 26, 2024
SFM Foundation scholarship applications accepted until March 31SFM Foundation will be accepting scholarship applications for the 2024-2025 academic year until March 31, 2024.
February 26, 2024
Can employers pay small medical bills without submitting them to their workers’ compensation insurer?Choosing to pay a workers' compensation medical bill yourself can create a ripple effect of future problems.
February 16, 2024
Muscular injuries: How to combat common ergonomic challengesWhile injuries commonly occur when lifting or moving is involved, implementing a program that focuses on proper ergonomics can greatly reduce incidents. Challenges with larger muscle groups (primarily the back and shoulders) are often easier to identify and control than those associated with repetitive motion risk factors.
February 12, 2024
Does workers’ compensation insurance cover injuries from car accidents?In some cases, automobile accidents are covered by workers’ compensation. Here’s what to if you’re involved in a work-related car accident.
February 2, 2024
How to boost workplace safety efforts by connecting wellnessIf your organization treats workplace safety and wellness as two separate initiatives, maybe it's time to start thinking about the connections between the two.
February 2, 2024
Opioids and workers' compensation: Why employers should careOpioid painkiller misuse not only threatens the general well-being of employees, but can create on-the-job safety risks and inhibit recovery and return-to-work.
January 26, 2024
Nine expert tips that can lower your workers’ compensation costsEmployers have some control over workers’ compensation premiums. Here are our best tips for controlling your losses, and as a result, your premiums.
January 23, 2024
Be on your guard for slips and falls all winter longSnow and ice can cause severe injuries at any time throughout the winter season.
January 23, 2024
What employers should know about marijuana safety and impairment policiesAn employer's legal marijuana safety and impairment policy options may depend on the level of operations the company has with the federal government.
January 23, 2024
Can you screen job applicants for prior workers' compensation claims?Asking job candidates about past work injuries, disabilities or medical histories isn't appropriate under the federal Americans with Disabilities Act (ADA) or state laws.
January 23, 2024
Why employee happiness is so importantThe numerous benefits of a positive workplace make a compelling case for building a supportive, affirming work environment where employee happiness is valued.
January 23, 2024
De-escalation tactics can prevent violence in the workplaceEmployees in a variety of occupations can find themselves in situations with the potential to become violent at work. De-escalation tactics can be used to defuse volatile situations so they don’t reach the point of violence.
January 23, 2024
Join us for the 2024 SFM Foundation golf eventsRegistration is now open for the SFM Foundation 2024 Minnesota and Iowa golf fundraisers. The Minnesota golf event is scheduled for Monday, June 10, at Prestwick Golf Club in Woodbury, and the Iowa event is set for Monday, May 20, at Hyperion Golf Club in Johnston.
January 16, 2024
Letter from the President: Following a tough actKey takeaways and highlights from 2023 at SFM from President & CEO Terry Miller.
January 16, 2024
SFM continues growth outside of MinnesotaSFM is diversifying and expanding its footprint in the realm of workers’ compensation insurance.
January 16, 2024
Remind policyholders: winter safety must continueWith winter in full swing — and the upcoming thawing and refreezing cycles in the months ahead — workplace safety should be paramount.
January 16, 2024
Webinar recordings: foundations of hiring and onboarding, more educational videosSFM recently hosted another educational webinar for our policyholders and agents on hiring and onboarding, which is available to view on our website.
January 16, 2024
Featured resources for agents and policyholdersSFM’s online resource catalog offers a wide range of educational resources designed to help policyholders prevent injuries, manage their claim activity and learn more about workers’ compensation.
January 16, 2024
SAM security enhancements coming soonSFM is introducing multi-factor authentication and new password requirements.
January 16, 2024
SFM enhances MyPayroll premium audit systemSFM is making upgrades to its online MyPayroll system with new features and a streamlined process to make it even easier for policyholders to complete their annual premium audit.
January 16, 2024
SFM underwriter accomplishmentsUpdates and milestones for SFM’s underwriting staff in the last quarter of 2023.
January 16, 2024
SFM attending upcoming 2024 industry eventsSFM is attending several 2024 industry events.
January 16, 2024
Reminder: SFM offers pay-as-you-go optionSFM’s pay-as-you-go wage reporting system allows policyholders to make premium payments that match with payroll throughout the year.
January 16, 2024
Workers’ compensation rates continue to decreaseAs rates for other lines of insurance climb, workers’ compensation rates are steadily decreasing. The explanation for this positive trend is simple – workers’ compensation claim frequency has declined for all but two of the past 20 years, according to NCCI.
January 4, 2024
Get to know an SFM employee: Meet a member of our in-house legal teamPeter Lindquist has been part of the legal team at SFM since 2018. He has been a practicing attorney for several years. We asked Lindquist to share a little bit about his background and role.
January 4, 2024
SFM Foundation board chair Dave Kaiser steps down after 15 yearsFifteen years after co-founding the SFM Foundation, Dave Kaiser stepped down as board chair on Dec. 6, 2023.
January 4, 2024
Why watching prescriptions closely is so importantSFM works hard to make sure injured workers’ medications are managed well, and as part of that effort, SFM partners with pharmacy benefits manager, myMatrixx.
November 9, 2023
New CompOnline administrator guide availableSFM has released a new version of CompOnline. The improvements enhance security, provide more permissions to the administrator and streamline our behind-the-scenes processes allowing us to serve you even better.
October 4, 2023
SFM’s 2023 mid-year results: Strong premium development, competitive pricing, continued claim challengesThe first half of 2023 is in the books, and it’s already been a remarkable year for SFM in a number of ways. New and renewal premium results have been outstanding, customer retention continues to be very strong and claim activity is trending in the right direction as the year unfolds.
October 4, 2023
Multi-factor authentication coming to CompOnlineTo enhance security, SFM is introducing multi-factor authentication and longer password requirements for CompOnline users starting January 5, 2024.
October 4, 2023
SFM to host educational webinar for policyholders on hiring and training new employeesJoin us on November 15 as we discuss best practices for hiring and training new employees. Learn how establishing good fundamentals can increase employee safety and help your business succeed in the long run.
October 4, 2023
Sign up for alerts in SAMDid you know you can get email alerts to help you keep up with your clients’ claim developments? Learn about the various alerts you can get through SFM Agency Manager (SAM).
October 4, 2023
Featured resources for agents and policyholdersSFM’s online resource catalog offers a wide range of educational resources designed to help policyholders prevent injuries, manage their claim activity and learn more about workers’ compensation.
October 4, 2023
SFM underwriter accomplishmentsHere’s a look at the promotions, awards, retirements, and other milestones of SFM underwriters so far in 2023.
October 4, 2023
SFM Foundation to host two fall fundraising eventsThis fall brings two opportunities to support the SFM Foundation with events in Minnesota and Iowa with the Minnesota Fall Fundraising Event on November 9 and new Iowa Bowling for Scholarships event on November 2.
September 26, 2023
MN work comp law change regarding notice of non-emergency surgeryMinnesota workers’ compensation law changed recently to allow an employee to notify their employer directly of a request for non-emergency surgery. Once notice has been given, the employer or insurer has seven days to give a response to the request.
September 25, 2023
Hiring practices: Thorough processes can prevent injuries and problem claimsFollowing a thorough hiring process is one important way you can prevent problem workers’ compensation claims, along with other challenges. Choosing the right employee for a role is rarely easy, but there are steps you can include in your process to help you more confidently make hiring decisions.
September 25, 2023
Pre-task planning: Prepare and be aware for successful injury preventionTaking time for pre-task planning allows employees to focus on recognizing hazards and putting controls in place to prevent incidents from occurring.
September 25, 2023
Get to know an SFM employee: Meet a member of our in-house bill review teamKirsten Peterson has been a Medical Support Representative at SFM for two years, and in the workers’ compensation industry for 15 years. Kirsten is part of SFM’s in-house bill review team. We asked Peterson to share a little bit about her background and her role.
September 25, 2023
Companion moving to electronic deliverySFM’s Companion magazine for policyholders will be delivered via email only starting with the January 2024 edition.
July 24, 2023
Recreational marijuana: How Minnesota’s new law may impact work comp and workplace policiesOn May 30, 2023, Gov. Tim Walz signed the state’s recreational marijuana bill, making Minnesota the 23rd state in the U.S. to legalize recreational marijuana for adult use. The new law contains several provisions that affect employers doing business in Minnesota, addressing changes to medical marijuana, use of off-duty lawful consumable products, drug testing in the workplace, as well as implementation of workplace policies.
July 11, 2023
SFM expands market presence throughout its territorySFM increased written premium and market share in every one of its core states in 2022, and results so far this year show continued momentum. Premium for the first quarter of 2023 came in well ahead of projections, up 12% from the same period the prior year.
July 11, 2023
It starts with the interview: Tips for your clients to reduce new hire injuriesDid you know that agents can play a role in their clients’ good hiring and safety training practices? Claims statistics show that new employees are more susceptible to injury. Those work comp claims come with a cost.
July 11, 2023
SFM’s top class codesSFM writes business in more than 400 class codes. The following lists of our top 20 new business class codes by policy count and premium will give you an idea of where we’re seeing the most success.
July 11, 2023
Play back our recent webinar on return-to-work best practices and view our library of educational videosSFM recently hosted another educational webinar for our policyholders and agents titled “The Fundamentals of a Return-to-Work Program” and it’s still available for you to view.
July 11, 2023
Featured resources for agents and policyholdersSFM’s online resource catalog offers a wide range of educational resources designed to help policyholders prevent injuries, manage their claim activity and learn more about workers’ compensation.
July 11, 2023
SFM attending upcoming 2023 industry eventsSFM is planning to participate in several insurance industry events in the coming months.
June 29, 2023
SFM Foundation awards 16 new scholarships, holds 2023 golf fundraisers15 years after the SFM Foundation began their mission to help make college affordable for students affected by work injuries, they’ve granted 232 scholarships totaling $3.7 million, including $502,000 awarded to 16 new recipients announced in May. The 2023 Minnesota golf event raised $125,000 and the Iowa event raised $45,000 for the scholarship program.
June 12, 2023
Four things you need to do after an employee is injuredHelp prevent future workplace injuries, get the employee on the road to recovery and ensure a smooth claim process with these four post-injury tips.
April 26, 2023
Benefits of a strong return-to-work programBringing injured employees back to work as soon as their doctor allows it is not only the right thing to do, it’s also the smart thing to do. A strong return-to-work program benefits your employees and your organization.
April 26, 2023
Safe driving practices for employeesMore than 42,000 Americans died in a traffic-related incident in 2021, according to the U.S. Department of Transportation. This is a grim reminder that adopting safe driving practices can be lifesaving. Defensive driving and other safe driving techniques are learned habits. Here are some tips to help equip employees and yourself with the knowledge you need to be safer on the roads.
April 26, 2023
Ergonomic and safety tips for remote and hybrid employeesWith the shift to remote and hybrid work in recent years, many employers are quickly learning how to support employees in their new work environments. As with in-office workers, remote and hybrid employees are subject to cumulative injuries, which are typically a result of poor ergonomics at their workspace.
April 26, 2023
Tips for hiring temporary workers or subcontractorsBefore you hire temporary employees or independent subcontractors, get answers to your questions about their safety and workers’ compensation coverage.
April 25, 2023
New employee safety: Get your new hires off to a safe startEmployees are at higher risk of injuries during their first six months on the job, according to SFM claim data. Effectively training new employees on safety can be challenging, but it’s key to protecting and retaining quality employees.
April 19, 2023
AM Best reaffirms SFM’s Financial Strength Rating of A- (Excellent)SFM announced that its Financial Strength Rating of “A- (Excellent)” and Long-Term Issuer Credit Rating of “a-” have been reaffirmed by AM Best Rating Services, Inc.
March 27, 2023
Strategies to combat work-related stressPeople think stress is a natural by-product of work. But that doesn’t have to be the case. Use these tips to prevent negative health impacts of work stress.
March 23, 2023
2022 results: Consistent focus on customer service drives historic performanceSFM soared to new heights in 2022, and the company’s remarkable financial results are only part of the story. We continue hearing from our agents and policyholders that we’re delivering on our commitment to provide excellent customer service.
March 23, 2023
Benefits of breaking out workers’ compensation from other lines of insuranceWhen you’re helping clients understand their options for workers’ compensation coverage, we've provided a few points you can share about the advantages of going monoline and choosing SFM.
March 23, 2023
Resource helps employers keep their newest employees safeSFM’s new Safety Orientation Success Guide helps employers protect a group at high risk for work injuries: new employees.
March 23, 2023
SFM state expansion initiative hits new milestonesWe’re coming up on three years since we entered the state of Kansas in September 2020. Over that time, our agency partners there have helped us write more than 500 policies for nearly $2 million in written premium.
March 23, 2023
Audit noncompliance can lead to cancellation of current policyWhen a policy goes into cancellation, even if the insured completes the prior term audit, the policy may remain canceled unless the agent contacts the underwriter.
March 23, 2023
SFM attending upcoming 2023 industry eventsSee the list of 2023 industry events SFM is planning on attending over the next few months.
March 21, 2023
MN Supreme Court decision clarifies the nature and extent of PTSD claims in the stateMN Supreme Court decision clarifies the nature and extent of PTSD claims in the state
March 10, 2023
Expert tips and best practices to make your safety committee thriveAre you looking for ideas to start or re-invigorate your safety committee?
February 15, 2023
Join us for the 2023 SFM Foundation golf eventsRegistration is now open for the SFM Foundation 2023 Minnesota and Iowa “Golfing for Scholarships” fundraisers. The Minnesota golf event is scheduled for Monday, June 12, 2023 at Prestwick Golf Club in Woodbury, Minnesota, and the Iowa event is set for Monday, May 22, 2023 at Hyperion Field Club in Johnston, Iowa.
February 15, 2023
Warning: Using third-party bill pay services can delay paymentWhen you use a third-party service to pay your workers’ compensation premium, your payment can be delayed.
February 1, 2023
Minnesota Supreme Court rules on PTSD presumptionMinnesota Supreme Court rules on PTSD presumption
February 1, 2023
Wisconsin loss prevention specialist recognized for service excellenceWisconsin-based Loss Prevention Specialist Carl Gruber received SFM's most prestigious service excellence award for 2022.
December 21, 2022
Avoiding litigation: ways to prevent disputes that land claims in courtWhen an attorney gets involved in a workers’ compensation claim, it can increase claim costs and harm outcomes for everyone involved. There are a number of steps that employers can take to prevent the kinds of scenarios that cause workers to seek representation from an attorney.
December 21, 2022
Retaliation claims: what they are and best practices to avoid themIf an employee feels they’ve been wrongfully targeted for exercising their protected right, they may in turn file a retaliation claim. Learn best practices to avoid them.
December 21, 2022
Reducing repetitive motion workplace injuriesThe potential for injury from repetitive motion and awkward positions in jobs is widespread across many industries and businesses. You can greatly reduce the likelihood of these injuries by implementing best practices in workplace ergonomics.
December 21, 2022
How to prevent safety hazards due to impairmentDrug and alcohol use and misuse are on the rise. As an employer you can establish or update your drug and alcohol program to prevent the safety risks of drug and alcohol use on the job. Learn how to prevent safety hazards due to drug and alcohol impairment.
December 19, 2022
Letter from the President: Strong partnerships drive solid financial resultsThrough the whirlwinds of a global pandemic and continued economic uncertainty, policyholders are consistently choosing to stay with SFM, and independent agents are bringing more and more new accounts into the fold. We thank our valued agency partners for sharing our dedication to service, safety and positive results for our customers.
December 19, 2022
SFM expands appetite in Kansas, preps for entrance into TennesseeSFM’s territory expansion hits a new high as we broaden our appetite in Kansas and continue efforts to grow in Tennessee in 2023.
December 19, 2022
Encourage employers to report injuries immediatelyEmployers don’t always know how important it is to report work injuries immediately. As an agent, you can provide vital information on how timely reporting can impact the trajectory of a workers’ compensation claim.
December 19, 2022
Get to know a claims trainee: Elyse Porter draws on past experience to serve customersElyse Porter is a member SFM’s newest class of claims trainees, which started in June of 2022. She now handles claims as part of our Small Business Accounts team. We asked her about her background and her role at SFM.
December 19, 2022
Agents can now set up AutoPay and one-time payments at bindingAgents can now set up AutoPay and one-time payments for your customers while binding new business in SAM.
December 19, 2022
SFM Wisconsin pool continues to growSince SFM was named a servicing carrier for the Wisconsin Worker’s Compensation Insurance Pool in late 2021, new pool business has been coming in steadily and is currently ahead of plan.
December 13, 2022
SFM Foundation holds fall event; 2023 golf events plannedNearly $35,000 was raised for the Foundation’s scholarship program at the SFM Foundation’s in-person fall fundraising event returned in November. Mark your calendars for the 2023 golf events on Monday, June 12, 2023, at Prestwick Golf Club in Woodbury, Minnesota, and Monday, May 22, 2023, at Hyperion Field Club in Johnston, Iowa.
November 29, 2022
What are employer liability limits?Employer liability coverage is rarely used in most states, and makes up a very small part of the workers' compensation insurance premium.
November 17, 2022
Health care worker and patient safetyEquipment designed to help health care workers lift and move patients safely doesn’t just benefit the workers. It can also improve patients’ quality of life.
November 7, 2022
Minnesota, Iowa governors proclaim Nov. 7-11 Kids' Chance Awareness WeekMinnesota Governor Tim Walz and Iowa Governor Kim Reynolds both proclaimed November 9-13, 2020 Kids' Chance Awareness Week. The SFM Foundation fall fundraising event coincides with Kids' Chance Awareness Week with a silent auction that runs from November 7-10 and an in-person event at the Westin Galleria Edina in Edina, Minnesota from 6-9 p.m. on Thursday, November 10.
October 5, 2022
SFM adds time-saving features for agentsWe know your days are busy, and we continue working to streamline processes and offer time-saving tools to our agency partners.
October 5, 2022
Changing marijuana laws and the impact on work compGiven the prevalence of THC-infused products, employers are asking about the impact of these potentially intoxicating substances on the workers’ compensation system.
October 5, 2022
SFM territory expansion: Sights set on TennesseeSFM has selected the Volunteer State as our 2023 expansion state, continuing our plans for growth. Our team is already meeting with key industry contacts in the state to develop relationships with regulators, agencies, and agency associations.
October 5, 2022
SFM and Underwriter Jeff Magee recognized by the IIANThe Independent Insurance Agents of Nebraska recognized SFM for outstanding effort and service with two annual awards for 2022.
October 5, 2022
Agents can update policy effective dates on SAM applicationsUsers of SFM Agency Manager (SAM) now have the ability to change effective dates on quoted applications, including approved quotes. We added this feature earlier this year in response to feedback from agents.
October 5, 2022
Get to know SFM premium auditor Jeremy BrandtJeremy Brandt has worked in SFM’s premium audit department for 15 years, starting as an Internal Premium Auditor and now serving as Premium Audit Technical Specialist. We asked him about his background and his role at SFM.
October 5, 2022
Minnesota rating structure changes in 2023Starting in 2023, the Minnesota Workers’ Compensation Insurers Association will be including trend, tail development, and loss adjustment expense data in pure premium base rates.
October 5, 2022
SFM Foundation in-person fall fundraising event returnsBack by popular demand, the SFM Foundation’s live fall fundraising event is scheduled for this November.
October 5, 2022
Policyholders receive portion of WCRA distributionThe Workers’ Compensation Reinsurance Association is distributing $35 million to policyholders who had Minnesota workers’ compensation policies in 2020.
September 8, 2022
Legal and safety considerations for hybrid workersIf you have employees who work both remotely and on-site, there are some important legal and workplace safety considerations to be aware of.
September 8, 2022
Loss prevention insight from the expertsThe only controllable item in an organization’s workers’ compensation premium cost is its experience modifier (e-mod) which is directly impacted by claim costs and severity.
September 8, 2022
Supporting injured employees’ mental and emotional healthAs an employer, you can play an important role in helping an injured worker maintain their mental health. Read on to learn how.
September 8, 2022
Bob Lund Scholarship invests in future insurance leadersSFM established a new scholarship program designed to identify and support future leaders and introduce them to rewarding careers in the insurance industry. The Bob Lund Scholarship is named for SFM’s former CEO, who is widely known for his service to the field of insurance and his continuing passion for making the world a better place.
September 7, 2022
SFM Foundation holds golf fundraisers, announces new scholarships and fall eventThe SFM Foundation 2022 Minnesota and Iowa golf events raised approximately $325,000 for the Foundation’s scholarship program. This fall brings yet another opportunity to support the Foundation, with the popular live fall fundraising event returning to the calendar in November. The in-person event is scheduled for Thursday, November 10, at the Westin Edina Galleria in Edina, Minnesota, near SFM’s Bloomington headquarters.
August 12, 2022
Winter-proof your workplace to stop slips and fallsFollow these steps to get your employees ready for the risks of winter weather and cut down on slips and falls in the workplace.
July 5, 2022
SFM’s Wisconsin pool business grows steadilyIn late 2021, SFM became a servicing carrier for the Wisconsin Worker’s Compensation Insurance Pool and the first year has been busy. Through the first two quarters of the year, SFM has been writing 60-80 new policies per week, totaling 1,800 policies for $5.3 million in premium. SFM will take on new pool accounts until reaching 20% of the state’s pool policyholders.
June 27, 2022
Expert claim handling lets agents rest easyOur unique combination of effort, expertise and empathy allows us to provide the superior service that our customers and their employees rely on.
June 27, 2022
Get to know an SFM underwriter: Rick SpauldingWisconsin-based Marketing Underwriter Specialist Rick Spaulding has worked at SFM for nine years, and in the insurance industry for 16 years. We asked Rick a few questions about his role and his background.
June 27, 2022
Wisconsin law changes impact part-time workers, PPD benefitsA number of changes to the Wisconsin Worker’s Compensation Act were signed into law in April.
June 27, 2022
Iowa Supreme Court defines ‘shoulder’ in rotator cuff work comp injury caseOn April 1, 2022, the Iowa Supreme Court affirmed a district court’s finding in Chavez v MS Technology LLC/Westfield Insurance Co. that an employee’s injury was a scheduled member injury to her shoulder rather than an unscheduled whole-body injury, agreeing that the definition of “shoulder” should not just be limited to the joint.
June 27, 2022
MN Supreme Court upholds benefits award in multi-employer work comp hearing loss caseOn May 16, 2022, the Minnesota Supreme Court upheld an award of workers’ compensation benefits to an employee for his hearing loss due to long-term exposure to noise over a 30-year period working for five employers.
June 27, 2022
Policyholders give premium audit experience high marksPolicyholders continue to give SFM’s premium audit experience high marks in follow-up surveys.
June 27, 2022
SFM Foundation holds fundraisers, new scholarships awardedSince its inception in 2008, the Foundation’s scholarship program has helped 216 students, including the 13 new recipients announced this summer.
June 27, 2022
SFM employees connect with college studentsA number of SFM employees took time recently to talk with students about issues in insurance, and careers in the field.
June 27, 2022
SFM grows employee base in Iowa, WisconsinSFM continues to expand its employee base in states beyond its Minnesota headquarters.
June 9, 2022
Talking about safety: Techniques for effective safety training and communicationA strong safety culture starts with a high level of safety awareness among employees. Getting there requires consistent, effective communication between leadership and front-line workers.
June 9, 2022
Get to know an SFM employee: Sarah HunterSarah Hunter was recently promoted to SFM’s Vice President, Claims, and previously worked as Staff Counsel with SFM’s in-house law firm. We asked Sarah about her new role and her background.
June 9, 2022
Protect your workers from the threats of extreme heatPrevent heat-related illness among your employees with these tips and tools for working in extreme heat.
June 8, 2022
Workplace ergonomics: Tips to create a neutral postureRead our ergonomics in the workplace tips to learn how to adjust your work space to allow for neutral posture at work; both in and out of the office.
May 24, 2022
Work injuries among school employeesSFM conducted an in-depth study of school employees in Minnesota to learn which employees were most likely to be injured, and how. What they learned might surprise you.
April 25, 2022
Bray receives Minnesota Lawyer In-House Counsel AwardSFM Senior Vice President and Chief Legal Officer Kathy Bray is among this year’s recipients of the Minnesota Lawyer In-House Counsel Awards.
April 18, 2022
Compensability of adverse COVID-19 vaccine reactionsU.S. employers have the right to encourage or require employees to vaccinate against COVID-19. This raises the question of compensability for adverse reactions from the COVID-19 vaccine, and related medical treatment and time lost from work. A key factor for workers’ compensation compensability is whether the vaccination was required by the employer.
April 5, 2022
Get to know a claims representative: Beth CouetteSmall Business Accounts Claims Specialist Beth Couette has worked at SFM for nine years, and in the workers’ compensation industry for 35 years. We asked Beth for some details about herself and her role.
April 5, 2022
SFM’s Financial Strength Rating of A- (Excellent) reaffirmed by AM BestSFM Mutual Insurance Co. announced that its Financial Strength Rating of “A- (Excellent)” and Long-Term Issuer Credit Rating of “a-” have been reaffirmed by AM Best Rating Services, Inc.
March 24, 2022
2021 results: Remarkable performance on a solid foundation of customer serviceBy all objective measures, SFM’s financial results for 2021 are outstanding. From reaching new heights in customer retention to setting records in new business and total written premium, the company has excelled in virtually every category of performance.
March 24, 2022
Sign up now for direct deposit commissionsHundreds of agencies have signed up to have their commissions deposited directly into their bank accounts. If you haven’t signed up yet, now is the time!
March 24, 2022
Hunter named VP, ClaimsSFM recently promoted Sarah Hunter to Vice President, Claims, succeeding the retiring Meg Kasting.
March 24, 2022
SFM’s footprint in Kansas gets larger; more strides made in IndianaSFM’s territory expansion successes continue as the team finds opportunities to get their feet on the ground in our two newest states.
March 24, 2022
SFM attends 2022 KAIA ConventionThree SFM representatives participated in this year’s Kansas Association of Insurance Agents (KAIA) Annual Convention in Wichita, Kansas on January 24-26.
March 24, 2022
Agents give SFM high marks in surveyThe results of our latest agent survey are in, and agents gave SFM high marks on ease of doing business.
March 24, 2022
LSH attorneys named to MN leadership rolesTwo attorneys from SFM’s in-house law firm Lynn, Scharfenberg & Hollick (LSH) have taken up leadership roles in the Minnesota legal community.
March 24, 2022
LSH attorneys look back at 2021, celebrate performanceThe attorneys of Lynn, Scharfenberg & Hollick compiled a win/loss record of almost 80% (15-4) in 2021 for hearings at the Office of Administrative Hearings in St. Paul, Minnesota.
March 24, 2022
SFM Foundation to host annual golf fundraisers in MN, IAFor over a dozen years, the SFM Foundation’s annual golf tournaments have been the charity’s top source for fundraising.
March 16, 2022
WCRA announces surplus redistribution, Minnesota insurers and policyholders to receive $600 millionThe WCRA has announced a $600 million surplus distribution to its members and insurer policyholders. Approximately $383 million will go to workers’ compensation insurers, $182 million will be distributed to self-insurers, and $35 million will go to policyholders.
February 16, 2022
SFM leaders receive promotionsSFM recently promoted several of the organization’s leaders to the role of Vice President.
February 7, 2022
Resumption of the presumption: Minnesota's COVID-19 presumption lawMinnesota’s workers’ compensation law has been temporarily amended to include a presumption of liability for certain workers with a positive COVID-19 laboratory test or clinical diagnosis of COVID-19 when a test is not available.
January 13, 2022
How hobbies can improve mental health and overall well-beingJust as eating fruits and vegetables can play an important role in physical health, research suggests there may be a similarly simple way to improve mental health – having a hobby.
January 13, 2022
Get to know an SFM loss prevention specialist: Jason ClausenSFM Loss Prevention Specialist Jason Clausen hopes employers he works with will see him not as a safety inspector, but as a safety champion and business partner.
January 13, 2022
Fostering good relationships among employeesOn average, employees will spend a third of their lives at work, so it’s safe to say their jobs have a huge impact on their quality of life. That means it’s important to ensure their time is spent in an organization where they can have healthy relationships with their colleagues.
November 10, 2021
MN Supreme Court rules on medical cannabis in work compRecent MN Supreme Court decisions create a new bright-line rule about the compensability of medical marijuana in workers’ compensation claims.
November 10, 2021
When is PTSD covered by workers’ compensation?For PTSD to be covered by workers’ compensation, it must meet the criteria as described in the most recent edition of the Diagnostic and Statistical Manual of Mental Disorders, and be diagnosed by a psychologist or psychiatrist.
September 15, 2021
Prepare to prevent winter slips and fallsWinter slips and falls are among the most common causes of workplace injuries. As an employer, there’s a great deal you can do to prevent these injuries at your workplace.
September 13, 2021
Artificial intelligence-powered tool helps prevent pain and strainA new artificial intelligence-powered tool helps loss prevention representatives quickly identify any high-risk body positions during a job task.
July 19, 2021
Claim adjusters’ best tips to avoid workers’ comp misstepsSFM’s claims representatives share their top tips for employers when dealing with workers’ compensation claims.
July 15, 2021
Why you need to watch out for workplace bulliesThe Workplace Bullying Institute estimates that 60.3 million U.S. workers are affected by bullying. Here are tips to prevent it in your workplace.
June 16, 2021
Avoid common mistakes when reporting work injuriesFast, accurate injury reporting can reduce frustration for everyone involved. Watch out for these common mistakes.
May 5, 2021
Top blog posts of all timeSFM's most viewed blog posts cover important safety and workers' compensation claims topics.
April 29, 2021
Increasing blue light exposure has a dark sideRelatively short exposure to blue light can temporarily stimulate the brain and improve mood. Prolonged exposure, however, is likely to damage retinal cells over time.
April 29, 2021
Tips to cut down on virtual meeting fatigueA recent study by global staffing firm Robert Half indicates that workers may be suffering from video call fatigue. Among the 1,000 people surveyed, 76% said they participate in virtual meetings and that they spend about one-third of their workday in front of a camera.
April 29, 2021
Subrogation: When third parties bear responsibility for work injuriesWhen one of your employees is injured in the course and scope of employment and a negligent third party bears some responsibility, we can sometimes recover a portion or all of the workers’ compensation claim costs from the responsible party through subrogation.
April 29, 2021
Work injuries 101: Reporting injuries and supporting workersOn-the-job injuries are unanticipated, urgent and unfortunate for everyone involved, but there are best practices you can follow to make a bad situation better for you and your injured employee.
February 3, 2021
Workers’ compensation waiting periodsWhat workers' compensation waiting periods are, what they mean for bringing employees back to work and how they differ between states.
February 3, 2021
Why early return-to-work benefits your employees and bottom lineStrong return-to-work programs lead to better outcomes for injured workers and can help control workers’ compensation premium costs for employers.
January 26, 2021
Reporting injuries to OSHA and your workers' comp insurer — what's the difference?You must report all workplace injuries to your workers’ compensation insurer, but in some cases you must also report injuries to the Occupational Safety and Health Administration (OSHA).
January 26, 2021
How your workers’ compensation e-mod is calculatedYour e-mod is used to calculate your workers’ compensation premium that’s based on your workers’ compensation claims experience.
January 20, 2021
Four quick tips for safe snow shoveling this winterFollow these four tips to reduce the risk of injuries while shoveling snow, so you can get back inside safely.
January 14, 2021
Easy way to avoid winter falls: Step down, not out.Using the “Step down, not out” method when getting out of a vehicle or stepping off a curb forces you to stand up or step flat footed, eliminating the chances of slipping.
December 31, 2020
Four steps toward building a successful safety programCreating an organizational culture where everyone is dedicated to building and maintaining a safe work environment requires commitment to safety from the top down. It’s everyone’s job to set an example and make safety part of the foundation of your organization.
December 29, 2020
Iowa commissioner deems rotator cuff a ‘shoulder’ injuryIowa Workers’ Compensation Commissioner Joseph Cortese determined that an injury to a muscle in the rotator cuff is considered a shoulder injury for the purpose of determining permanent partial disability benefits.
December 29, 2020
MN Supreme Court addresses workers’ compensation caseThe Minnesota Supreme Court addressed the rights of intervenors in workers’ compensation proceedings in the August 12, 2020, decision of Koehnen v. Flagship Marine Company and Auto Owners Insurance Company.
December 16, 2020
How to help employees combat sleeplessnessSleep physicians around the world are now treating a growing number of patients with symptoms of insomnia.
November 16, 2020
Chemical safety tips for your employeesKeep employees safe by providing them training and personal protective equipment tailored to the specific chemicals they’re using.
November 9, 2020
SFM Foundation featured on KARE 11SFM Foundation was featured on Kare11's "Communities that Kare" segment, showcasing the impact scholarships have made on families.
October 21, 2020
Do you have a plan for investigating work injuries?You hope a work injury doesn’t occur, but if one does, use this four-point accident analysis plan to investigate.
October 7, 2020
The value in reporting minor work injuriesReporting minor injuries helps create a record in case the injury becomes more severe. Incident-only claims won’t affect your premium.
September 8, 2020
Keeping employees safe and engaged while working from homeAmid the frenzied transition for many people to work from home, some important aspects of a healthy workplace may have taken a backseat, such as mental health considerations, communication practices, ergonomic adjustments and general safety preparations.
September 4, 2020
Streamlined phone reporting option availableIn response to feedback from employers and workers, we’re offering a new option when you call the SFM Work Injury Hotline to report injuries.
September 4, 2020
A legal perspective on injuries while working from homeIt can be challenging to determine whether an employee’s injury is considered work related, even in the typical work environment. Working from home can present unique workers’ compensation issues due to the inevitable mix of work-related and personal activities.
July 29, 2020
Ladder safety resourcesFalls from ladders continue to be a top cause of workplace injuries. Remind yourself and your employees about proper ladder safety with resources from SFM.
July 15, 2020
SFM rolls out online portal for injured workersInjured workers covered by SFM now have 24/7 digital access to their claim information through SFM’s website through a new online portal.
July 8, 2020
Safe lifting techniques for preventing injuryMethods for safe lifting include: keep your head up, keep the load close, use a staggered stance, and remember "nose follows toes" to avoid twisting.
June 29, 2020
Why you have to stay vigilant on work injuriesIdeally, your employees will let you know if they are injured, but what if they don’t? You might still be legally required to report.
June 29, 2020
What happens when you choose the SFM Work Injury Hotline nurse option?Reporting injuries through the SFM Work Injury Hotline provides injured employees the opportunity to speak with a nurse and get a treatment recommendation. Here's what to expect when you call.
June 29, 2020
Four reasons why reporting work injuries immediately helps you and your employeesImmediately reporting injuries improves medical care, accident investigation, contact with medical providers and communication with injured employees.
June 25, 2020
Star Tribune names SFM a Top Workplace for 2020SFM ranked ninth among medium-sized employers in the Star Tribune's Top 150 Workplaces in Minnesota for 2020 based on anonymous surveys of employees.
May 22, 2020
Laptop and tablet ergonomicsMobile devices like laptops, tablets and cell phones all pose ergonomic challenges, but here are ways to minimize the risk.
April 22, 2020
Research finds stress is bad for workers, bad for businessResearch paints a picture of just how expensive work-related stress can be, both for workers’ health and for their employers.
April 7, 2020
Retirement presumption can affect workers’ comp benefitsMost Minnesota workers retire at 67, but employers may have to continue permanent total disability benefits if an employee continues working past the expected age.
April 7, 2020
Combat the dangers of sitting: Add movement to your workdayHere are six ideas for cutting back on sitting time and adding movement to your day.
March 30, 2020
Information for employers: Injuries while working from homeWith more employees working from home due to the recent COVID-19 outbreak, many policyholders have turned to SFM for answers on liability questions concerning the home office.
March 25, 2020
Cumulative injury coverage under workers' compensationSome work injuries don’t occur at a specific time, but rather they are the result of a degenerative process that takes place over months or years.
March 19, 2020
Ergonomic and safety tips when working from homeFollow these guidelines to avoid pain and strain while working from home.
March 18, 2020
Even unpaid interns may be eligible for workers’ compIf your organization offers internships, be aware that even unpaid interns could be eligible for workers’ compensation benefits.
March 11, 2020
Standing desks and other alternative workstations come with both risks and benefitsStanding desks or sit/stand workstations are becoming an increasingly common option, but they come with their own risks and benefits for worker health and safety.
February 25, 2020
Our most popular safety videosWe have many safety-related videos on our YouTube Channel that you can watch and share with your staff.
February 12, 2020
What employers need to know about concussionsBecause the duration, symptoms, diagnostic testing and treatment in each case are so varied, concussions can be very complex and costly to treat.
February 5, 2020
Preventing depression among injured workersPost-injury depression can prolong a claim and delay return-to-work. Here are steps employers can take to lower the risk of depression.
January 28, 2020
Managing claims Q&A: Answers to some of our most common claims questionsManaging claims Q&A. Claims representatives answer common employer questions about workers' compensation claims.
January 15, 2020
Employee well-beingWorkplace safety and health are moving beyond "do no harm" to include overall employee well-being.
January 8, 2020
Seven things employers should know about independent medical examinationsHere are a few things you should know about independent medical examinations.
January 7, 2020
SFM Foundation golf outing named top local charity tournamentSFM Foundation's Golfing for Scholarships event ranks #8 of top 25 metro-area golf tournaments in 2019 as published in the Minneapolis/St. Paul Business Journal.
December 6, 2019
Who's calling me? The roles of workers' compensation claims, medical, rehab and legal professionalsWhile claims representatives are injured workers’ primary contact, they might also hear from medical, rehabilitation or legal professionals.
November 20, 2019
Safety tips for manufacturingWorkers in manufacturing are exposed to a variety of dangers in the workplace. Although manufacturing can be a fast-paced environment, it's important to slow down and focus on worker safety.
November 13, 2019
An easy way to prevent falls: Use handrailsSerious injuries can result from falling down stairs. Using a handrail and staying free from distractions can prevent you from slips and falls when going up or down stairs.
November 6, 2019
Safety video: Avoid slipping this winterWatch this video to learn how to avoid slipping and sliding this winter.
October 23, 2019
Don’t overlook depression and anxiety at workDepression and anxiety. Let’s talk about them. It’s time to shine a light on common disorders that often go unmentioned at work.
October 10, 2019
Forward-looking safetyIf you’re like many employers, you spend considerable time and money making sure your organization adheres to OSHA requirements. It may be tempting to view this as the finish line for preventing injuries, but in reality, maintaining a truly safe workplace means going well beyond compliance.
October 2, 2019
Why chasing shoplifters is an unsafe choice for retail employeesYou might see retailers chasing shoplifters in the movies, but in the real world it’s not a great idea. An employee could fall, get hit by a car or worse.
September 11, 2019
Preventing opioid addictions before they startLearn how SFM is working to prevent opioid addictions with injured workers before they start.
September 4, 2019
Welding and cutting torches: Protect yourself from ear damage caused by hot slagEar injuries can occur anytime someone is welding without ear protection, and the risk is especially high when a welder is working at an odd angle.
August 28, 2019
Are employees compensated when injured while violating company rules?Employers are can be frustrated to learn that employees injured while violating company safety rules can still receive workers’ compensation benefits in some cases.
August 26, 2019
SFM recognized as breastfeeding supportive employerSFM was recently recognized by the City of Bloomington as one of eight local employers who are supportive of breastfeeding mothers.
August 7, 2019
Preventing and responding to burns in kitchen environmentsUse these tips to avoid burns while working in a kitchen.
July 24, 2019
Creating a policy for employee cell phone use while drivingIf you have employees who drive as part of their jobs, your driving policy should address cell phone use. Use our sample cell phone policy as a guide to create your own.
July 17, 2019
15 ways to be your own SAFETY HERO, like SkipDefend yourself against workplace accidents by being aware of hazards. Be a good example. Practice safety in every aspect of your job.
June 25, 2019
Tips for a smooth premium auditRead our premium audit tips to make sure yours goes smoothly, and understand why your annual workers' compensation premium audit is so important.
June 19, 2019
Tips to prevent re-injury after return-to-workWhen an employee returns to work after an injury, make sure the employee understands the importance of working within medical restrictions and take these steps to prevent re-injury.
June 13, 2019
Video: Claims representatives talk about their roleClaims representatives talk about how they help injured workers recover and return to work in a new SFM recruiting video.
June 6, 2019
Cut down the risk of injury for your new employeesMake sure prospective hires understand the job and that new employees are properly trained to cut down the risk of injury.
May 29, 2019
Are employee injuries at parties and wellness events eligible for workers' comp benefits?Typically, an injury sustained in an activity that is truly voluntary is not compensable. But if the employee is encouraged or required to participate, or the company benefits from the participation in some way, it could be.
May 22, 2019
Outdoor hazards to watch for during warm weather monthsWarm weather is not without its own risks, especially for people who work outdoors. Watch out for tripping hazards, heat stress, severe weather and insects.
May 15, 2019
Constant distraction can harm employees’ well-beingEmployees can experience stress and burnout when they don’t take enough time to fully disconnect from work.
May 9, 2019
Workers' compensation and home office telecommutingEmployees who are injured while taking a short break from work can be eligible for workers’ compensation benefits. What happens when the injury occurs while the employee is working from home?
April 24, 2019
Workers’ comp exemptions for MN small business owners and familiesMinnesota law allows employers to exclude certain types of employees from coverage, such as small business owners and their close relatives.
April 17, 2019
Free return-to-work resource provides ideas for light-duty jobsWhen injured workers have medical restrictions, it’s sometimes tough to find transitional jobs. That's why SFM created a free listing of ideas, broken down by industry.
April 10, 2019
Are employees working overseas covered by work comp?Employees who are working overseas temporarily are generally covered by their employers' domestic workers' compensation policies.
April 3, 2019
Slip-resistant shoes prevent falls in kitchen environmentsLessen the risk of a slip-and-fall injury by encouraging or requiring your employees to wear slip-resistant shoes, and providing a stipend to make compliance more likely.
March 27, 2019
How opioid painkiller use can impact a workers' compensation claimTaking opioid painkillers long term, or in high doses can have a major impact on an injured worker’s recovery and return to work.
March 13, 2019
Ways to help employees struggling with mental healthYou may have employees who are struggling with their mental health. Offering assistance and education about mental health can help them get back to a healthy place.
March 7, 2019
Prevent late-winter slips and falls at the workplaceThawing and freezing in late winter can cause dangerous slips and falls. Keep an eye on weather conditions and use caution to prevent injuries.
February 27, 2019
How to prevent eye injuries in the workplaceAn estimated 2,000 eye injuries happen every day in the workplace. You can reduce the risk by knowing the hazards and wearing proper protective eyewear.
January 28, 2019
Fatigue and sleep deprivation in the workplace common, studies findFatigue and sleep deprivation in the workplace come with severe costs to health, safety and the economy.
January 23, 2019
Managing hazardous chemical risks in the workplaceKeeping workers safe from dangerous materials is vital, yet compliance standards for proper management of hazardous chemicals can present challenges.
January 11, 2019
The health care workers at greatest risk for on-the-job injuriesIt’s more dangerous to work in a hospital than to construct one. That’s based on the Bureau of Labor Statistics data on non-fatal injuries by occupation.
January 9, 2019
What safety pros keep in their winter emergency kitsWe asked SFM’s loss prevention representatives what we’d find in the safety kits they keep in their cars in case of roadside emergencies. Here's what they said.
December 19, 2018
Prevent litigation, stay in contact with injured employeesMany litigated workers’ compensation cases could have been avoided if the employer had taken the time to show concern for the employee’s welfare during the early stages of the claim.
December 12, 2018
Keeping problem employees on staff can increase workers’ compensation costsDealing with employee performance problems can be much more challenging if that employee claims a work injury. To avoid this, address performance issues right away.
November 28, 2018
Preventing injuries among aging workersWhy older workers are more at risk for workers’ comp injuries, and four tips for preventing injuries among older workers
November 21, 2018
Help your employees achieve the four elements of financial well-beingAddress financial stress in your employees by applying the four elements of personal financial well-being to a financial wellness program.
November 16, 2018
Inexpensive safety solution: Replace old utility knivesConsider replacing old manually retractable and fixed-blade utility knives with a concealed blade version for a safer option.
November 14, 2018
Safety video: Moves you can use to avoid winter slips and fallsUse this lighthearted video to remind and train your employees to avoid winter slips and falls, a common cause of workplace injuries.
November 7, 2018
Snow days aren’t just for schools: How to develop a workplace severe weather policyWhen winter weather turns dangerous and it’s unsafe to travel, do you have a plan – for yourself and your employees?
November 5, 2018
The dangers of drowsy drivingDriving while drowsy can cause drivers to pay less attention to the road, slows their reaction time and affects the ability to make good decisions.
October 31, 2018
Watch out for these top 10 OSHA violationsList of the top 10 most frequently cited OSHA violations of 2018, with training resources for each
October 15, 2018
School bus drivers can be safety heroesThis year’s theme for National School Bus Safety Week, “My Driver – My Safety Hero,” reminds us of bus drivers’ important roles in getting people where they’re going safely.
October 10, 2018
Safe driving isn’t an accidentWhile technology and safe driving don't always go together, technology can help increase safe driving behaviors with in-vehicle monitoring systems.
September 26, 2018
Minnesota manufacturer invests in safetySFM policyholder Jones Metal takes full advantage of SFM’s safety resources, including help applying for a MN OSHA safety grant.
September 19, 2018
From the president: Another blown opportunity to save lives in MinnesotaSFM has been an active supporter of proposed state laws banning the use of hand-held electronic devices while driving.
September 12, 2018
Safety tips for home health care workersHome health care workers face many unique safety risks. Hazards include getting to and from work, transferring clients, slips and falls and more.
August 29, 2018
Optimizing safety programs for all generationsEmployers must tailor safety and health programs for four distinct generations in the workforce.
August 15, 2018
10 statistics that make the case for workplace wellness programsThe U.S. Chamber of Commerce report “Winning With Wellness” makes the case for workplace wellness programs with some key employee health statistics.
August 8, 2018
Second annual Safe + Sound Week approachingThe second annual Safe + Sound Week raises awareness about the value of safety and health programs.
August 6, 2018
Help your employees with these smoking cessation resourcesSmoking can significantly increase the length and cost of a workers’ compensation claim. Here are several state and national resources to help your employees quit smoking.
July 25, 2018
"Ban the Box" doesn't prevent criminal background check"Ban the box" is a national movement that prevents employers from asking about criminal history prior to interviewing applicants. In some cases, criminal background checks can be a useful hiring tool.
July 11, 2018
What the 'gig economy' means for worker protectionsA growing gig economy might leave some workers with gaps in workers' compensation and other protections.
June 20, 2018
Alternatives to opioids for treating chronic painThe medical community is identifying alternative ways to help individuals with chronic pain such as exercise, acupuncture and virtual reality.
June 18, 2018
Teach your employees about trench and excavation safetyTrench and excavation hazards cause more than 100 deaths and 1,000 injuries every year. Knowing the proper safety procedures and what hazards to watch for will reduce risk of injury.
June 13, 2018
Are your workers independent contractors or employees?Employers' workers' compensation requirements differ for workers considered employees versus those considered independent contractors.
May 30, 2018
Hidden costs of work injuriesFew employers realize just how costly a work injury can be until they experience one at their organization. That’s because there are so many hidden costs of work injuries that aren’t covered by workers’ compensation benefits, such as lost productivity, overtime costs, and impacts on the injured worker and their family.
May 17, 2018
Why employers should get to know medical providersBuilding relationships with the local doctors most likely to treat your injured workers lays the groundwork for teamwork between you, the physician and your insurer.
May 7, 2018
Fall prevention focus of Safety Stand-Down weekMay 7-11, 2018 is the National Safety Stand-Down to Prevent Falls in Construction. Take the time to educate your workers on the importance of fall prevention.
May 2, 2018
Watch out for everyday electrical safety hazardsIt’s easy to forget that everyday activities like using extension cords and outlets can pose a risk for fires, shock and even electrocution if done improperly.
April 25, 2018
Prevent obesity in the workplace to reduce costs, research saysObesity has high costs both in terms of a worker’s health and costs to the employer, and the workplace can be a contributing factor.
April 18, 2018
New studies on opioids show ineffectiveness, high costRecent studies have shown that opioids are less effective than common painkillers and delay return to work. SFM has been working since 2014 to reduce long-term use of opioids by injured workers.
April 11, 2018
How loss prevention visits target business safety risksWhat to expect during a loss prevention visit from one of SFM’s trained occupational health and safety professionals
April 4, 2018
Checklist helps keep employees safe during school construction projectsSFM’s loss prevention staff created a checklist to help schools keep employees safe throughout construction projects.
March 12, 2018
Health care worker safety closely tied to patient safetyIn healthcare, patient and caregiver safety go hand-in-hand. Based on independent research and SFM's claims data, moving patients manually puts healthcare workers at risk for severe injuries.
March 1, 2018
Wisconsin law makes workers’ compensation ‘exclusive remedy’ for temp worker injuriesWisconsin Gov. Scott Walker signed a bill into law on February 28 that prevents temporary employees who sustain work injuries from suing their employers, rather than going through workers’ compensation.
February 21, 2018
Hand and power tool safetyWhen using hand and power tools, it's important to use a tool that fits the job and is in good condition. Most injuries result from misuse and improper maintenance.
February 7, 2018
Safety tips to protect warehouse workersThe rate of fatal injuries in the warehouse industry is higher than the average for all other injuries. Here's how to keep your employees safe.
January 10, 2018
A healthier workforce: Tips for starting and building your workplace wellness programTips for starting and building your workplace wellness program: If you’ve been thinking about offering a wellness program, but don’t know where to begin, start here.
January 3, 2018
Eight tips for defensive drivingLearn how to keep safe on the road by following these tips for defensive driving
December 13, 2017
Workplace safety and claims resources for employees with limited English proficiencySFM offers a number of resources to help keep employees with limited English proficiency safe, and assist if they are injured.
November 29, 2017
Three apps to make your workplace saferMobile safety apps can help you identify heat-related risks, use ladders safely and encourage better ergonomics.
November 21, 2017
The risks of multitasking: Why single-tasking is more productive — and saferMultitasking has infiltrated our work and home lives. Distracted driving and walking both pose dangers.
November 15, 2017
Are injuries at a work holiday party compensable?Although in most cases injuries that occur during a work holiday party would not be compensable, there are some exceptions.
November 8, 2017
Does your workplace offer a wellness program? Survey results from SFM policyholdersIn a recent wellness program survey, we found out which employers are more likely to have a workplace wellness program and what topics they address.
October 26, 2017
Video highlights danger of falls in parking lotsAs the weather brings colder and more slippery conditions, it’s a good time to remind your employees to walk carefully when outdoors.
October 18, 2017
Forklift safety tips for drivers and pedestriansForklift-related injuries most often result from inattention, distraction, excessive speed, poor driving habits and lack of training. See our forklift safety tips infographic.
October 11, 2017
In harm’s way: Workplace violence in health careInjuries from workplace violence are much greater for health care workers than the average.
October 4, 2017
OSHA updates walking-working surfaces and fall protection standardsOSHA’s final rule for general industry walking-working surfaces and fall protection standards was updated in 2017.
September 27, 2017
Reduce workplace injuries with job hazard recognitionUsing job hazard recognition is a great way to review a work area in order to identify, eliminate or control work-related risks that could cause injury.
August 23, 2017
Q & A with researcher Katie Schofield, Ph.D.Research has quantified the connection between contact by loss prevention representatives and reduced lost-time injuries in the construction industry.
August 18, 2017
Survey: U.S. working conditions taxing, but also friendlyA Rand Corporation survey released this week sheds light on working conditions in the United States, and results are mixed.
August 17, 2017
Four housekeeping tips for a safer construction siteAccidents such as trips and falls, being struck by falling objects and cutting or puncturing the skin can often be avoided by keeping a construction site neat and organized.
June 30, 2017
Do volunteers qualify for workers' compensation?Volunteers generally aren’t eligible for workers' compensation benefits, but there are exceptions, and state laws can differ.
June 30, 2017
The danger of distracted walkingWalking while distracted can cause you to miss a potential hazard like ice, snow or a change in the walking surface, putting you at risk for a fall.
June 28, 2017
Four signs you genuinely value workplace safetyIt’s easy to say “safety first.” It’s tougher to truly carry it out. Does your organization practice what you preach when it comes to employee safety?
June 14, 2017
Two key factors for a successful workplace wellness programWhat makes a workplace wellness program successful? Here are two best practices revealed by researchers.
June 8, 2017
Top 7 workplace safety tipsThese seven essential safety tips, identified by SFM's loss prevention staff, will earn your company a gold star in workplace safety.
June 7, 2017
How three school districts reduced their workers’ comp lossesSafety improvements and early return-to-work have carried many school districts insured by SFM to the head of the class.
June 1, 2017
How employers can take charge of health-related productivity lossesHow do you reduce absenteeism and presenteeism in your employees? Start by maintaining a safe workplace and encouraging health and wellness.
May 26, 2017
Ladder inspections: What to look forA fall from a ladder can be devastating, so take the time to make sure your ladder is in good shape with these ladder inspection safety tips.
May 17, 2017
New equipment and culture change cut hospital’s lifting injuriesAs a side benefit of a patient-first mentality and focus on employee safety, St. Luke’s Hospital has kept workers’ compensation costs in check.
April 19, 2017
What Iowa’s new workers’ compensation changes meanIowa’s workers’ compensation system will see some significant changes on July 1, 2017, under a bill signed into law by Gov. Terry Branstad in March.
February 16, 2017
How to add mindfulness to your workplace wellness programWorkplaces can build on successful physical wellness programs by incorporating a popular — and proven — technique for emotional health: mindfulness.
January 11, 2017
11 common sense tips for safe winter weather drivingFollow these tips to keep safe while driving in snowy and icy winter weather.
December 13, 2016
Iowa manufacturer builds machine to prevent lifting injuriesIn an effort to prevent lifting injuries, Iowa-based manufacturer Katecho built a machine that would do the lifting for them.
September 13, 2016
CEO Q&A: Planning for safety helps projects run more efficientlyOur interview with U.S. SiteWork CEO Bart Anderson on why safety is his company’s mission.
August 12, 2016
Hospital staff trains for a frightening possibilityThe Dallas County Hospital in Perry, Iowa, held an active shooter drill. This allowed staff to practice sheltering in place or escaping during such an event.
August 4, 2016
Wisconsin medical board adopts opioid prescribing guidelinesThe Wisconsin Medical Examining Board adopted new guidelines for prescribing opioid painkillers aimed at combating heroin use.
November 17, 2015
After severe injury, man recovers, thrives, then helps othersSFM employees recently heard the inspiring story of a man who not only overcame a tragic accident that cost him both legs, but used the experience to help others.
July 30, 2015
Minnesota implements new rules for prescribing opioid painkillersTo prevent injured workers from ending up with painkiller addictions, the state of Minnesota has adopted stronger requirements for prescribing physicians.
July 13, 2015
Nebraska Supreme Court reverses workers’ comp rulingThis 2015 ruling from the Nebraska Supreme court reversed a lower court’s ruling on the workers’ compensation case.
June 17, 2015
Iowa Supreme Court says workers’ compensation surveillance footage need not be disclosed before depositionThe Iowa Supreme Court ruled that employers do not need to provide surveillance footage to workers’ compensation claimants before they are deposed.
January 29, 2015
How one school district prevents falls among staffThe Cambridge-Isanti Public Schools decreased falls by making stepladders easily accessible throughout its buildings.
January 13, 2015
The four most effective tactics to avoid workers' compensation litigationOn-the-job injuries can cost your company time, productivity, money and even employee morale — costs that are compounded when you become engaged in a legal battle.
October 9, 2014
CEO Q&A: Company's emphasis on safety starts at the topADO Products CEO Jim Andrews talks about his company’s emphasis on employee safety.
September 30, 2014
What your employee handbook should say about workers' compensationIncorporating workers' compensation into your employee handbook shows your staff that you take work injuries seriously.
June 16, 2014
How to discipline employees who’ve experienced work injuriesSimply because an employee sustained a work injury does not excuse that employee from performing the duties and expected standards of the job.
March 7, 2014
Minnesota Supreme Court maintains status quo for PTSD claimsThe Minnesota Supreme Court affirmed that an employee’s post-traumatic stress disorder was a non-compensable mental injury under the law in effect at the time of injury.
January 3, 2014
Minnesota Supreme Court reverses appeals court's Dykhoff decisionThe 2013 Dykhoff decision provides insight into what it means for an injury to “arise out of” employment, making it eligible for workers’ compensation benefits.
December 23, 2013
Injuries while entering and leaving the workplace: A primerState law requires that employers provide safe, well-maintained and accessible routes for employees to and from their parked vehicles into their place of work.
August 26, 2013
Police officer’s mental injury might have been compensable under amended Minnesota workers’ compensation lawMinnesota law previously did not allow workers' compensation benefits for mental injuries unless they caused or were accompanied by physical injuries.
August 14, 2013
First ‘GINA’ lawsuit settled by EEOCThe U.S. Equal Employment Opportunity Commission (EEOC) settled the first lawsuit it had filed under the federal Genetic Information Nondiscrimination Act (GINA).
May 27, 2013
Summer can increase schools' workers' comp exposureAt schools, the summer months can present high potential for workers' compensation exposure, because wage-loss benefits can drag out longer than they would otherwise.