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Helping you manage your workers’ comp coverage

Reporting and managing injuries

Report an injury

Manage work injuries

Return to work

Employer resources

CompOnline® policyholder portal

Manage your claims online and access your workers’ comp data in real-time. CompOnline is especially beneficial for mid- to large-size employers who tend to get more claims.

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Complete premium audit

Helpful links

Annual premium audits

Understand what a premium audit is, why policyholders need one each year, and how to complete yours. 

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Pay-as-you-go wage reporting

Learn if you would benefit from making periodic payments for your workers’ comp coverage.

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Work comp basics

New to workers’ compensation? The work comp experts are here to help you get started in learning the basics.

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Frequently asked questions

No, report a work injury to SFM as soon as possible after learning about it – ideally, within 24 hours. You may not have all the details at the time of the report but tell us as much information as you can as soon as you can. Any missing information can be addressed later with your SFM claims representative. Learn more on the Managing work injuries page.

Yes. Loss history is a factor when calculating your workers’ compensation premium. That means less time away from work can result in a lower premium. Read our Why return to work matters blog post for more details.

Your workers’ compensation premium is based on your estimated payroll, but payroll can change due to changes in workforce size, employees working overtime or operations expanding. For that reason, at the end of your policy period, we audit the last year and adjust your premium to reflect any changes. Even policyholders who have no employees must complete an audit to confirm their employee count and total payroll are accurate for the policy period. Learn more about premium audits.

SFM’s CompOnline® risk management system is especially helpful for mid- to large-size employers who tend to have more claims. CompOnline allows you to access a dashboard of your claims data, set up email notifications, track claim history, customize reports, subscribe to loss runs, look up your policy and premium information and more. Click here to learn more about CompOnline’s features or register for an account here.

See our list of common invoice questions. If you have additional questions, you can call your agent or our billing department at 952-838-4405. You can also email us your question through our contact form.

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