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Blog

Benefits of working with a mutual insurance company

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

SFM: Always leading with service

Coming off a strong 2025, and with the competitive market and economic uncertainty we see today, SFM continues to lead with service and put the needs of our agency partners and policyholders first.

The SFM Difference: Webinar recording

You can now view the recording of our latest webinar – The SFM Difference.

SFM again gets high marks from NCCI on data reporting

The National Council on Compensation Insurance (NCCI) has given SFM excellent marks for the quality of its data reporting, continuing a series of recognition from the organization.

Mark Lewis wins SFM’s top honor

Mark Lewis is SFM’s 2025 Richard J. Marshik Service Excellence Award winner.

Action plan alerts now available in SAM

SFM Agency Manager (SAM) users can now receive an email notification when the action plan is updated on one of their policyholder’s claims.

Provider Connection updated

The next time users login to Provider Connection – SFM’s portal that allows medical professionals to access a wealth of information about workers’ compensation claims – they will see several enhancements.

Hagedorn a finalist for ORBIE Award for CIOs

Chad Hagedorn, Senior Vice President and Chief Information Officer at SFM, is a finalist for an ORBIE Award, which recognizes Minnesota’s top Chief Information Officers (CIOs).

The SFM Difference: History of SFM

The first segment of our webinar, The SFM Difference, highlighted the features and services that make us a premier workers’ compensation partner focused on the company’s history.

The SFM Difference: Partnering with SFM

The second segment of our webinar, The SFM Difference, focused on the value we bring to agents and policyholders.

The SFM Difference: SFM claims philosophy

The third segment of our webinar, The SFM Difference, outlined how our claims handling is an extension of our customer service philosophy.

The SFM Difference: Introduction to premium audit

The fourth section of our webinar, The SFM Difference, outlined the premium audit, an annual process every workers’ compensation carrier conducts with policyholders to confirm the accuracy of their employee count and total payroll for the policy period.

The SFM Difference: SFM medical team advantage

The final segment of our webinar, The SFM Difference, focused on the medical expertise we bring to workers’ compensation coverage.

Join us for the SFM Foundation’s 2026 golf events

Mark your calendars now for the SFM Foundation’s 2026 Iowa and Minnesota golf events.

Why policyholders choose SFM

The results of a recent policyholder survey demonstrate the value our customers see in SFM and illustrate why we continue to have an exceptional client retention rate each year.

How SFM supports injured workers

When a part-time high school hockey coach suffered a traumatic brain injury after hitting his head on the ice in January 2025, SFM stepped up to help his recovery go as smoothly as possible.

How employers can support workers experiencing Seasonal Affective Disorder (SAD)

SAD can affect workplace morale, productivity, safety and overall employee well being. Fortunately, employers can play a proactive role in helping workers navigate this seasonal challenge with compassion and practical support.

State of Wisconsin improves online work comp claims system

Improvements to the State of Wisconsin online claims system were completed in August 2025, which the Wisconsin Worker’s Compensation (WC) Division touted as a “major upgrade” for insurance carriers, employers and claims adjusters.

Be on your guard for slips and falls all winter long

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

SFM’s ongoing commitment to charitable giving

From long standing philanthropic programs to hands on volunteerism and partnerships with nonprofit organizations, SFM’s charitable efforts continue to grow in both reach and impact, contributing to communities in all states in which our employees live and work.

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.

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