Workers’ compensation employer guide

Welcome to SFM
Thank you for choosing SFM as your workers’ compensation carrier. Below, you’ll find information to help you get started working with us.
Follow these steps to be ready in case an injury occurs at your workplace:
- Download, print and post copies of our work injury poster around your workplace so that employees know what to do in case of injury. (You can also get versions in other languages and without the SFM Work Injury Hotline phone number.)
- Download the claim packet, which includes everything you need to report and manage a work injury.
- Review the report an injury page, where you can start an online report or get the SFM Work Injury Hotline phone number if someone is injured.
- Register for the CompOnline® Risk Management System to submit claims, view claim data, set up email alerts and more.
- Download or order insurance ID cards to send along with workers who need medical attention.
Preventing work injuries protects your employees and your bottom line. To prevent injuries, we recommend the following:
- Use thorough hiring practices including background checks, pre-employment physicals in accordance with all applicable laws.
- Provide safety orientation and training for all employees on day one, as new employees are most likely to be injured, and regularly after that.
- Have a safety coordinator and/or committee to do things like provide safety training, investigate incidents, implement corrective actions and analyze safety data.
- Have a reliable written safety program that includes setting measurable goals and monitoring progress.
- Enforce safety policies and address performance issues by disciplining problem employees when necessary.
- Educate yourself about common injuries and how to avoid them.
When employees are injured at work, it’s important to help them return to work as soon as possible. This reduces the chances they will never return, which benefits the employee and your organization.
To have a successful return-to-work program:
- Create a written policy stating your organization’s commitment to return to work.
- Start a list of light-duty jobs so you’re ready if an injury occurs.
- Stay in contact with injured employees to make sure they know you will provide light-duty work and bring them back as soon as they are able.
Learn more about managing claims.
Related resources
Blog posts
Work injuries 101: Reporting injuries and supporting workers
Get the basics for what to do when an injury occurs at the workplace.
Prevent litigation, stay in contact with injured employees
Here are steps you can take to help prevent a claim from going into litigation.
Hiring practices: Thorough processes can prevent injuries and problem claims
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.
How your workers’ comp e-mod is calculated
Your experience modification factor (e-mod) has a major impact on your work comp premiums.
Why return to work matters
Getting employees back on the job following a workplace injury benefits both the worker and the employer.
Free return-to-work resource provides ideas for light-duty jobs
Research shows that timely return to work helps speed recovery and increase the likelihood that injured workers will ultimately work again. That makes it worth the effort to bring employees …
Videos
Claims 101 webinar
Avoiding litigated claims webinar
Fundamentals of a return to work program webinar



