The work comp expert more businesses trust
Workers’ Comp Essentials by SFMWorkers' 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 22,000 employers across the Midwest. 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
States where we offer coverage
If you have additional locations outside these seven states, we can also provide out-of-state coverage for your operations in Alabama, Arizona, Colorado, Florida, Idaho, Illinois, Kentucky, Michigan, Missouri, Montana, Nevada, North Carolina, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas, Utah and Virginia.
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. 95% of our customers make the choice to renew with us every year.
As a mutual insurance company, SFM is owned by its policyholders. That means when we succeed, our customers do too.
Working with the work comp experts means access to lots of great resources. Hundreds are available to download or order for free.
“Everyone was friendly and polite. They responded to my questions right away.”
Owner / Operator, Blue House Cleaning
Ready to give us a try?