Business Details
30 Years
experience
Emergency
services
Trusted Workers' Compensation Insurance Solutions
SFM Mutual Insurance has been a trusted leader in workers' compensation insurance since 1996, dedicated to inspiring safer workplaces by protecting workers from harm and helping the injured recover. With over 35,000 policyholders and a 95% customer retention rate, we specialize in providing comprehensive coverage tailored to employers of all sizes across the Midwest. Our team of local experts combines deep industry experience with a commitment to service, supported by an AM Best A- (Excellent) rating that reflects our financial stability and reliability. We offer a full range of services including safety training programs, claims management, premium audits, and return-to-work initiatives designed to minimize workplace injuries and streamline recovery processes.Backed by nearly 40 years of experience, SFM Mutual Insurance Risk Solutions provides personalized third-party administration for self-insured programs, delivering cost-effective risk management solutions. Our mission-driven approach emphasizes proactive safety measures, customer satisfaction, and community support, making us a partner employers can count on for long-term success.
Services
Workers' Compensation Insurance
Safety Training Programs
Claims Management
Premium Audits
Return-to-Work Programs
Self-Insured Administration
Medical Provider Coordination
Policyholder Resources
Employer Education
Injury Reporting Services
Details
- Year established: 1996
Highlights and features
- We specialize exclusively in workers' compensation insurance with 28+ years of industry experience.
- Our 95% customer retention rate reflects consistent service excellence.
- AM Best A- (Excellent) rating demonstrates financial strength and reliability.
- Local staff provides personalized support tailored to Midwest employers.
- Comprehensive safety programs reduce workplace injuries by 30% annually.
Associations and certifications
- AM Best
Services
Workers' Compensation Insurance
We provide comprehensive workers' compensation insurance for employers across the Midwest, covering medical expenses and lost wages for work-related injuries. Our policies include safety training resources and claims management support to help businesses maintain compliance and reduce workplace risks. With specialized expertise in assigned risk programs and self-insured administration, we serve employers of all sizes.
Safety Training Programs
Our safety programs include supervisor-led training, online courses, and Spanish-language resources to prevent common workplace injuries. We offer industry-specific materials for construction, healthcare, and manufacturing sectors, along with de-escalation techniques and ergonomic guidelines. These initiatives help employers reduce injury rates and maintain OSHA compliance through proactive risk management.
Claims Management
We offer streamlined claims management through our CompOnline portal and dedicated claims specialists. Services include injury investigation, medical coordination, and return-to-work planning. Our 24/7 Work Injury Hotline ensures prompt reporting, while our TPA services for self-insured clients provide cost-effective claims administration with personalized support throughout the recovery process.
Premium Audits
Annual premium audits verify payroll data to ensure accurate policy pricing for all policyholders. We provide online submission tools and guidance to simplify the audit process, maintaining transparency in premium calculations. This process helps employers avoid overpayment while ensuring compliance with workers' compensation regulations across multiple states.
Return-to-Work Programs
Our return-to-work initiatives help injured employees transition back to modified duties safely. We provide medical coordination, work restriction documentation, and employer guidance to facilitate recovery while minimizing business disruption. Early intervention strategies reduce claim costs by 25% and improve employee outcomes through structured reintegration plans.
Questions
How do I report a work-related injury?
Call our 24/7 Work Injury Hotline at (800) 937-1181 or report through CompOnline portal within 24 hours of the incident.
What payment methods do you accept?
Premium payments can be made online through our portal, by phone at (800) 937-1181, or by mail to PO Box 583178, Minneapolis, MN 55458.
Which states do you cover?
We provide coverage in Minnesota, Wisconsin, Iowa, Nebraska, Kansas, South Dakota, Indiana, and Missouri with specialized assigned risk programs available.
How do I access safety resources?
Our online resource catalog offers free safety posters, training materials, and industry-specific guides for policyholders and agents.
What is your claims process timeline?
Initial claims are processed within 24 hours of reporting, with medical authorization decisions typically made within 2 business days.
Do you offer self-insured options?
Yes, SFM Risk Solutions provides third-party administration for self-insured employers, including claims management, audit services, and risk consulting.
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Reviews (4)
Kima June
Jan 05, 2022
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Awesome Customer Service, best rate around! Love this company, for their affordable employer work comp policies they offer.
Yomiyu Hirpa
Nov 10, 2021
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Don't answer phone calls and voicemails, haven't replied to very many emails. Seek a company that actually values it's customers. Not very happy with this company at all.
Denyce Gonzlaez
Nov 04, 2021
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Currently working with them on an incident that occurred on 10.27.21. Will update once everything is done. Follow me on my next adventure (surgery) IG: @msdgnz!
Patricia Connelly
Sep 19, 2021
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Critical: Quality, Responsiveness Very shady. Unprofessional. Don't pay on their claims. Michele Paton is a vengeful individual. This woman will do anything to make the injured employees look bad! THIS COMPANY AND MICHELE PATON ARE UNSYMPATHETIC, MONEY HUNGRY CROOKS.
