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Blog

Avoiding litigation: ways to prevent disputes that land claims in court

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.

Retaliation claims: what they are and best practices to avoid them

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.

Reducing repetitive motion workplace injuries

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.

How to prevent safety hazards due to impairment

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.

Letter from the President: Strong partnerships drive solid financial results

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.

SFM expands appetite in Kansas, preps for entrance into Tennessee

SFM’s territory expansion hits a new high as we broaden our appetite in Kansas and continue efforts to grow in Tennessee in 2023.

Encourage employers to report injuries immediately

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.

Get to know claims trainee Elyse Porter

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.

Agents can now set up AutoPay and one-time payments at binding

Agents can now set up AutoPay and one-time payments for your customers while binding new business in SAM.

SFM Wisconsin pool continues to grow

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.

SFM supports local communities in 2022

SFM strives to maintain a positive presence in communities and invests heavily in charitable causes. Here’s a snapshot of what SFM team members have been up to in 2022.

Why watching prescriptions closely is so important
Why watching prescriptions closely is so important

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.

Opioids and workers' compensation: Why employers should care

Opioid painkiller misuse not only threatens the general wellbeing of employees, but can create on-the-job safety risks and inhibit recovery and return-to-work.

SFM Foundation holds fall event; 2023 golf events planned

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.

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.

Health care worker and patient safety

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.

Minnesota, Iowa governors proclaim Nov. 7-11 Kids' Chance Awareness Week

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.

SFM adds time-saving features for agents

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

Changing marijuana laws and the impact on work comp

Given the prevalence of THC-infused products, employers are asking about the impact of these potentially intoxicating substances on the workers’ compensation system.

SFM territory expansion: Sights set on Tennessee

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.

SFM and Underwriter Jeff Magee recognized by the IIAN

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

Agents can update policy effective dates on SAM applications

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.

20% commission promotion for new small business extended through 2023

SFM’s 20% commission program for new small business accounts has been very popular with agents, and it’s set to continue for another year.

Get to know SFM premium auditor Jeremy Brandt

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.

Minnesota rating structure changes in 2023

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.

SFM Foundation in-person fall fundraising event returns

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

Policyholders receive portion of WCRA distribution

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

Legal and safety considerations for hybrid workers

If you have employees who work both remotely and on-site, there are some important legal and workplace safety considerations to be aware of.

Loss prevention insight from the experts

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.

Supporting injured employees’ mental and emotional health

As an employer, you can play an important role in helping an injured worker maintain their mental health. Read on to learn how.

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