SFM-The Work Comp Experts

April 2, 2024

Sarah Hunter recently took over as SFM’s VP of Operations. She will work with SFM’s current Senior Vice President and Chief Operating Officer, Dave Kaiser, until his retirement at the end of 2024.

April 2, 2024

SFM recorded yet another excellent year in 2023, continuing its strong performance across all core metrics, from policyholder retention to new business and total written premium.

April 2, 2024

More than 43,000 Americans died in a traffic-related incident in 2022, a number that has been on the rise in recent years. 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 2, 2024

SFM has made several enhancements to its resource catalog to create a better user experience for policyholders and agents.

April 2, 2024

SFM recently made additional enhancements to its SFM Agency Manager (SAM) system to streamline the process for agents and make SAM more user friendly.

April 2, 2024

While agents often hear frustrations from clients when it comes to dealing with third-party vendors for premium audits, SFM continues to conduct nearly all audits in-house.

April 2, 2024

Remind policyholders to tell injured workers to register for our Claim Connection portal so they can track the progress of their claim.

April 2, 2024

A look at the latest updates and milestones for SFM’s underwriting staff over the past few months.

April 2, 2024

SFM is planning to participate in several 2024 industry events in the coming months.

April 2, 2024

SFM tapped the local art community when adding artwork to its remodeled offices.

April 2, 2024

A 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.

March 22, 2024

SFM Mutual Insurance Company, a regional workers’ compensation insurer, has hired Kate Daly as Corporate Counsel.

March 14, 2024

You 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

When 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 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 offers an integrated approach to worker health, safety and well-being with a proactive approach to overall health and wellness.

March 4, 2024

Slips 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

While 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 will be accepting scholarship applications for the 2024-2025 academic year until March 31, 2024.

February 26, 2024

Choosing to pay a workers' compensation medical bill yourself can create a ripple effect of future problems.

February 16, 2024

While 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

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

If 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

Opioid 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

Employers 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

Snow and ice can cause severe injuries at any time throughout the winter season.

January 23, 2024

An 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

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

The 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

Employees 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

Registration 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

Key takeaways and highlights from 2023 at SFM from President & CEO Terry Miller.

January 16, 2024

SFM is diversifying and expanding its footprint in the realm of workers’ compensation insurance.

January 16, 2024

With winter in full swing — and the upcoming thawing and refreezing cycles in the months ahead — workplace safety should be paramount.

January 16, 2024

SFM 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

SFM’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

SFM is introducing multi-factor authentication and new password requirements.

January 16, 2024

SFM 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

Updates and milestones for SFM’s underwriting staff in the last quarter of 2023.

January 16, 2024

SFM is attending several 2024 industry events.

January 16, 2024

SFM’s pay-as-you-go wage reporting system allows policyholders to make premium payments that match with payroll throughout the year.

January 16, 2024

As 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

Peter 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

Fifteen years after co-founding the SFM Foundation, Dave Kaiser stepped down as board chair on Dec. 6, 2023.

January 4, 2024

SFM 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

SFM 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

The 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

To enhance security, SFM is introducing multi-factor authentication and longer password requirements for CompOnline users starting January 5, 2024.

October 4, 2023

Join 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

Did 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

SFM’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

Here’s a look at the promotions, awards, retirements, and other milestones of SFM underwriters so far in 2023.

October 4, 2023

This 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

Minnesota 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

Following 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

Taking 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

Kirsten 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

SFM’s Companion magazine for policyholders will be delivered via email only starting with the January 2024 edition.

July 24, 2023

On 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 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

Did 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 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

SFM 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

SFM’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 is planning to participate in several insurance industry events in the coming months.

June 29, 2023

15 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

Help 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

Bringing 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

With 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

Before you hire temporary employees or independent subcontractors, get answers to your questions about their safety and workers’ compensation coverage.

April 25, 2023

Employees 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

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

People 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

SFM 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

When 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

SFM’s new Safety Orientation Success Guide helps employers protect a group at high risk for work injuries: new employees.

March 23, 2023

We’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

When 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

See 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 state

March 10, 2023

Are you looking for ideas to start or re-invigorate your safety committee?

February 15, 2023

Registration 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

When 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 presumption

February 1, 2023

Wisconsin-based Loss Prevention Specialist Carl Gruber received SFM's most prestigious service excellence award for 2022.

December 21, 2022

When 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

If 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

The 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

Drug 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

Through 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’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

Employers 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

Elyse 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 for your customers while binding new business in SAM.

December 19, 2022

Since 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

Nearly $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

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

Equipment 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 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

We know your days are busy, and we continue working to streamline processes and offer time-saving tools to our agency partners.

October 5, 2022

Given 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 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

The Independent Insurance Agents of Nebraska recognized SFM for outstanding effort and service with two annual awards for 2022.

October 5, 2022

Users 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

Jeremy 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

Starting 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

Back by popular demand, the SFM Foundation’s live fall fundraising event is scheduled for this November.

October 5, 2022

The Workers’ Compensation Reinsurance Association is distributing $35 million to policyholders who had Minnesota workers’ compensation policies in 2020.

September 8, 2022

If 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

The 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

As 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

SFM 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

The 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

Follow 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

In 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

Our 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

Wisconsin-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

A number of changes to the Wisconsin Worker’s Compensation Act were signed into law in April.

June 27, 2022

On 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

On 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 continue to give SFM’s premium audit experience high marks in follow-up surveys.

June 27, 2022

Since its inception in 2008, the Foundation’s scholarship program has helped 216 students, including the 13 new recipients announced this summer.

June 27, 2022

A number of SFM employees took time recently to talk with students about issues in insurance, and careers in the field.

June 27, 2022

SFM continues to expand its employee base in states beyond its Minnesota headquarters.

June 9, 2022

A 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

Sarah 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

Prevent heat-related illness among your employees with these tips and tools for working in extreme heat.

June 8, 2022

Read 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

SFM 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

SFM 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

U.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

Small 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 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

By 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

Hundreds 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

SFM recently promoted Sarah Hunter to Vice President, Claims, succeeding the retiring Meg Kasting.

March 24, 2022

SFM’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

Three 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

The results of our latest agent survey are in, and agents gave SFM high marks on ease of doing business.

March 24, 2022

Two 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

The 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

For over a dozen years, the SFM Foundation’s annual golf tournaments have been the charity’s top source for fundraising.

March 16, 2022

The 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 recently promoted several of the organization’s leaders to the role of Vice President.

February 7, 2022

Minnesota’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

Just 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

SFM 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

On 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

Recent MN Supreme Court decisions create a new bright-line rule about the compensability of medical marijuana in workers’ compensation claims.

November 10, 2021

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

Winter 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

A new artificial intelligence-powered tool helps loss prevention representatives quickly identify any high-risk body positions during a job task.

July 19, 2021

SFM’s claims representatives share their top tips for employers when dealing with workers’ compensation claims.

July 15, 2021

The 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

Fast, accurate injury reporting can reduce frustration for everyone involved. Watch out for these common mistakes.

May 5, 2021

SFM's most viewed blog posts cover important safety and workers' compensation claims topics.

April 29, 2021

Relatively 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

A 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

When 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

On-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

What workers' compensation waiting periods are, what they mean for bringing employees back to work and how they differ between states.

February 3, 2021

Strong return-to-work programs lead to better outcomes for injured workers and can help control workers’ compensation premium costs for employers.

January 26, 2021

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

Your e-mod is used to calculate your workers’ compensation premium that’s based on your workers’ compensation claims experience.

January 20, 2021

Follow these four tips to reduce the risk of injuries while shoveling snow, so you can get back inside safely.

January 14, 2021

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

Creating 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 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

The 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

Sleep physicians around the world are now treating a growing number of patients with symptoms of insomnia.

November 16, 2020

Keep employees safe by providing them training and personal protective equipment tailored to the specific chemicals they’re using.

November 9, 2020

SFM Foundation was featured on Kare11's "Communities that Kare" segment, showcasing the impact scholarships have made on families.

October 21, 2020

You hope a work injury doesn’t occur, but if one does, use this four-point accident analysis plan to investigate.

October 7, 2020

Reporting minor injuries helps create a record in case the injury becomes more severe. Incident-only claims won’t affect your premium.

September 8, 2020

Amid 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

In 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

It 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

Falls 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

Injured 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

Methods 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

Ideally, 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

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

Immediately reporting injuries improves medical care, accident investigation, contact with medical providers and communication with injured employees.

June 25, 2020

SFM 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

Mobile devices like laptops, tablets and cell phones all pose ergonomic challenges, but here are ways to minimize the risk.

April 22, 2020

Research paints a picture of just how expensive work-related stress can be, both for workers’ health and for their employers.

April 7, 2020

Most 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

Here are six ideas for cutting back on sitting time and adding movement to your day.

March 30, 2020

With 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

Some 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

Follow these guidelines to avoid pain and strain while working from home.

March 18, 2020

If your organization offers internships, be aware that even unpaid interns could be eligible for workers’ compensation benefits.

March 11, 2020

Standing 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

We have many safety-related videos on our YouTube Channel that you can watch and share with your staff.

February 12, 2020

Because 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

Post-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. Claims representatives answer common employer questions about workers' compensation claims.

January 15, 2020

Workplace safety and health are moving beyond "do no harm" to include overall employee well-being.

January 8, 2020

Here are a few things you should know about independent medical examinations.

January 7, 2020

SFM 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 18, 2019

Supporting an aging workforce benefits everyone

December 6, 2019

While claims representatives are injured workers’ primary contact, they might also hear from medical, rehabilitation or legal professionals.

November 20, 2019

Workers 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

Serious 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

Watch this video to learn how to avoid slipping and sliding this winter.

October 23, 2019

Depression 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

If 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

You 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

Learn how SFM is working to prevent opioid addictions with injured workers before they start.

September 4, 2019

Ear 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

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 was recently recognized by the City of Bloomington as one of eight local employers who are supportive of breastfeeding mothers. 

August 7, 2019

Use these tips to avoid burns while working in a kitchen.

July 24, 2019

If 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

Defend yourself against workplace accidents by being aware of hazards. Be a good example. Practice safety in every aspect of your job.

June 25, 2019

Read 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

When 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

Claims representatives talk about how they help injured workers recover and return to work in a new SFM recruiting video.

June 6, 2019

Make sure prospective hires understand the job and that new employees are properly trained to cut down the risk of injury.

May 29, 2019

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

Warm 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

Employees can experience stress and burnout when they don’t take enough time to fully disconnect from work.

May 9, 2019

Employees 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

Minnesota law allows employers to exclude certain types of employees from coverage, such as small business owners and their close relatives.

April 17, 2019

When 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

Employees who are working overseas temporarily are generally covered by their employers' domestic workers' compensation policies.

April 3, 2019

Lessen 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

Taking 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

You 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

Thawing 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

An 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 come with severe costs to health, safety and the economy.

January 23, 2019

Keeping workers safe from dangerous materials is vital, yet compliance standards for proper management of hazardous chemicals can present challenges.

January 11, 2019

It’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

We 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

Many 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

Dealing 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

Why older workers are more at risk for workers’ comp injuries, and four tips for preventing injuries among older workers

November 21, 2018

Address financial stress in your employees by applying the four elements of personal financial well-being to a financial wellness program.

November 16, 2018

Consider replacing old manually retractable and fixed-blade utility knives with a concealed blade version for a safer option.

November 14, 2018

Use this lighthearted video to remind and train your employees to avoid winter slips and falls, a common cause of workplace injuries.

November 7, 2018

When winter weather turns dangerous and it’s unsafe to travel, do you have a plan – for yourself and your employees?

November 5, 2018

Driving 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

List of the top 10 most frequently cited OSHA violations of 2018, with training resources for each

October 15, 2018

This 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

While technology and safe driving don't always go together, technology can help increase safe driving behaviors with in-vehicle monitoring systems.

September 26, 2018

SFM policyholder Jones Metal takes full advantage of SFM’s safety resources, including help applying for a MN OSHA safety grant.

September 19, 2018

SFM has been an active supporter of proposed state laws banning the use of hand-held electronic devices while driving.

September 12, 2018

Home 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

Employers must tailor safety and health programs for four distinct generations in the workforce.

August 15, 2018

The 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

The second annual Safe + Sound Week raises awareness about the value of safety and health programs.

August 6, 2018

Smoking 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" 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

A growing gig economy might leave some workers with gaps in workers' compensation and other protections.

June 20, 2018

The medical community is identifying alternative ways to help individuals with chronic pain such as exercise, acupuncture and virtual reality.

June 18, 2018

Trench 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

Employers' workers' compensation requirements differ for workers considered employees versus those considered independent contractors.

May 30, 2018

Few 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

Building 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

May 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

It’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

Obesity 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

Recent 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

What to expect during a loss prevention visit from one of SFM’s trained occupational health and safety professionals

April 4, 2018

SFM’s loss prevention staff created a checklist to help schools keep employees safe throughout construction projects.

March 12, 2018

In 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 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

When 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

The 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

Tips 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

Learn how to keep safe on the road by following these tips for defensive driving

December 13, 2017

SFM offers a number of resources to help keep employees with limited English proficiency safe, and assist if they are injured.

November 29, 2017

Mobile safety apps can help you identify heat-related risks, use ladders safely and encourage better ergonomics.

November 21, 2017

Multitasking has infiltrated our work and home lives. Distracted driving and walking both pose dangers.

November 15, 2017

Although in most cases injuries that occur during a work holiday party would not be compensable, there are some exceptions.

November 8, 2017

In 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

As 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-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

Injuries from workplace violence are much greater for health care workers than the average.

October 4, 2017

OSHA’s final rule for general industry walking-working surfaces and fall protection standards was updated in 2017.

September 27, 2017

Using 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

Research has quantified the connection between contact by loss prevention representatives and reduced lost-time injuries in the construction industry.

August 18, 2017

A Rand Corporation survey released this week sheds light on working conditions in the United States, and results are mixed.

August 17, 2017

Accidents 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

Volunteers generally aren’t eligible for workers' compensation benefits, but there are exceptions, and state laws can differ.

June 30, 2017

Walking 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

It’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

What makes a workplace wellness program successful? Here are two best practices revealed by researchers.

June 8, 2017

These seven essential safety tips, identified by SFM's loss prevention staff, will earn your company a gold star in workplace safety.

June 7, 2017

Safety improvements and early return-to-work have carried many school districts insured by SFM to the head of the class.

June 1, 2017

How do you reduce absenteeism and presenteeism in your employees? Start by maintaining a safe workplace and encouraging health and wellness.

May 17, 2017

As 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

Iowa’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

Workplaces can build on successful physical wellness programs by incorporating a popular — and proven — technique for emotional health: mindfulness.

January 11, 2017

Follow these tips to keep safe while driving in snowy and icy winter weather.

December 13, 2016

In an effort to prevent lifting injuries, Iowa-based manufacturer Katecho built a machine that would do the lifting for them.

September 13, 2016

Our interview with U.S. SiteWork CEO Bart Anderson on why safety is his company’s mission.

August 12, 2016

The 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

The Wisconsin Medical Examining Board adopted new guidelines for prescribing opioid painkillers aimed at combating heroin use.

November 17, 2015

SFM 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

To prevent injured workers from ending up with painkiller addictions, the state of Minnesota has adopted stronger requirements for prescribing physicians.

July 13, 2015

This 2015 ruling from the Nebraska Supreme court reversed a lower court’s ruling on the workers’ compensation case.

June 17, 2015

The Iowa Supreme Court ruled that employers do not need to provide surveillance footage to workers’ compensation claimants before they are deposed.

January 29, 2015

The Cambridge-Isanti Public Schools decreased falls by making stepladders easily accessible throughout its buildings.

January 13, 2015

On-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

ADO Products CEO Jim Andrews talks about his company’s emphasis on employee safety.

September 30, 2014

Incorporating workers' compensation into your employee handbook shows your staff that you take work injuries seriously.

June 16, 2014

Simply 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

The 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

The 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

State 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

Minnesota law previously did not allow workers' compensation benefits for mental injuries unless they caused or were accompanied by physical injuries.

August 14, 2013

The 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

At schools, the summer months can present high potential for workers' compensation exposure, because wage-loss benefits can drag out longer than they would otherwise.