The work comp expert more businesses trust

Workers’ Comp Essentials by SFM


Workers’ Comp Essentials is a service that allows small businesses to purchase workers’ compensation insurance directly from SFM Mutual Insurance Company.


SFM is the largest workers’ compensation insurer in Minnesota, and the insurer of choice for more than 30,000 employers across the Midwest and beyond. Workers’ comp is all we do, so we know it best. Others may suggest you bundle workers’ comp with the other types of business insurance you need, but because it’s so unique and complex we believe it’s much better handled by the experts.


Trust us to be your work comp expert — the one more small businesses choose.

States we cover

Businesses we insure


Customer retention

States where we offer coverage

We insure businesses based in Minnesota, Indiana, Iowa, Kansas, Nebraska, South Dakota, Tennessee and Wisconsin for their workers’ compensation needs.

If you have additional locations outside these eight states, we can also provide out-of-state coverage for your operations in Alabama, Alaska, Arizona, Colorado, Connecticut, Florida, Georgia, Idaho, Illinois, Kentucky, Louisiana, Maryland, Michigan, Mississippi, Missouri, Montana, Nevada, New Mexico, North Carolina, Oklahoma, Pennsylvania, South Carolina, Texas, Utah, Vermont and Virginia.

US state map showing SFM's state of coverage

A safety company

We work hard to keep employees safe and bring injured workers back to health. We insure businesses who also make safety a top priority.

Known for service

We focus on excellent customer service, and it shows. 96+% of our customers make the choice to renew with us every year.

Mutually owned

As a mutual insurance company, SFM is owned by its policyholders. That means when we succeed, our customers do too.

Expert resources

Working with the work comp experts means access to lots of great resources. Hundreds are available to download or order for free.

Ready to give us a try?