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Blog

Letter from the President: A solid year for SFM

Despite continued pressure from other carriers and mixed claims results, SFM again had a successful year in 2025.

2025 results: Success built on customer service

SFM had another strong year in 2025, with gains in newer markets.

SFM’s top class codes

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.

SFM continues to enhance claims handling

SFM has made several improvements to its claims handling processes.

Remind policyholders: Winter safety must continue

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

SFM at industry events: First half of 2026

SFM is planning to participate in several industry events at the beginning of 2026.

Underwriter accomplishments: Second half of 2025

Get news about SFM's underwriting team.

Prevent litigation, stay in contact with injured employees

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.

SFM Foundation scholarship applications accepted until March 31

SFM Foundation will be accepting scholarship applications for the 2025-2026 academic year until March 31, 2025.

Subrogation: When third parties bear responsibility for work injuries

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.

Preventing injuries among aging workers
Preventing injuries among aging workers

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

2025 SFM Foundation recap

A rundown of the SFM Foundation's 2025 fundraising activities.

How to avoid injuries on and around hockey and ice rinks
How to avoid injuries on and around hockey and ice rinks

Here are some safety tips to help prevent injuries on and around ice rinks.

The SFM Difference: Webinar set for Dec. 3

Register today for our upcoming webinar for policyholders and agents, The SFM Difference, set for 10-11 a.m. Wednesday, Dec. 3.

School employees Facilitate, don’t participate
School employees: Facilitate, don’t participate

Employers may not be aware that their employees are at risk of injury when they participate in activities, coach or supervise others.

How SFM makes the premium audit process easier
How SFM makes the premium audit process easier

SFM works to make the workers’ compensation premium audit process easy for policyholders.

Winter-proof your workplace to stop slips and falls feature image
Winter-proof your workplace to stop slips and falls

Follow these steps to get your employees ready for the risks of winter weather and cut down on slips and falls in the workplace.

Why agents trust SFM for workers’ compensation

When it comes to workers’ compensation insurance, agents count on SFM for several reasons: unparalleled service, consistent results, support for injured workers and ease of doing business.

Update on Tennessee market, claims handling

Starting Dec. 1, SFM will begin writing business with Tennessee mid-market employers, further expanding SFM’s presence as it continues to gain a greater portion of the state’s market share. At that time, SFM will also start handling Tennessee claims in-house.

Universal login for SFM portals launches Oct. 30

Starting Oct. 30, users of SFM web portals will log in with their email addresses rather than usernames.

SFM Agency Manager offers 24/7 access to a wide range of features

Our online tool for agents, SFM Agency Manager (SAM), offers a variety of convenient features for your team.

Injuries while entering and leaving the workplace: A primer

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.

Update for Minnesota zero estimated exposure work comp policies

Minnesota’s 2025 legislative session resulted in a big change for small-business owners that provide building construction or improvement services.

SFM promotes Amanda Aponte to Executive Vice President

SFM has promoted Amanda Aponte to Executive Vice President, effective Sept. 8, 2025.

Minnesota Paid Leave law and work comp
Minnesota Paid Leave law and work comp

Effective Jan. 1, 2026, a new Minnesota Paid Leave law goes into effect. See how it interacts with workers' compensation.

Understanding strain and sprain injuries
Understanding strain and sprain injuries

Sarah Wahlberg, Senior Claims Representative at SFM, discussed the differences between the two maladies. While both are soft-tissue injuries, strains are an injury to a muscle or tendon; sprains are injuries or tears to ligaments.

Strain and sprain injury effects on work comp claims
Strain and sprain injury effects on work comp claims

Holly Hansen, Senior Claims Representative, outlined when to report a claim and why, what might cause claims costs to increase and what causes work-related strain and sprain injuries to linger.

Identifying ergonomic risk factors in the workplace
Identifying ergonomic risk factors in the workplace

Sara Cooper, Senior Loss Prevention Representative, examined how employers can make their jobsites safer and mitigate the potential for musculoskeletal disorders.

Implementing solutions for workplace strain and sprain risks
Implementing solutions for workplace strain and sprain risks

Eric Johnson, Loss Prevention Specialist, discussed minimizing ergonomic risk factors in the workplace.

Legal aspects to strain and sprain injuries
Legal aspects to strain and sprain injuries

John Hollick, Chief Defense Counsel at SFM’s in-house law firm, outlined the legal issues that can arise from these injuries and their impact on workers’ compensation benefits.

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