SFM Mutual Insurance Company

SFM Mutual Insurance Company is the largest workers’ compensation insurer in Minnesota and a regional leader, serving more than 35,000 businesses across the upper Midwest and the South. As a customer‑owned mutual headquartered in Bloomington, SFM specializes in coverage for small businesses and offers a full suite of services—including workers’ compensation insurance, third‑party administration for self‑insured employers, medical and legal cost management, and proactive loss‑prevention programs. The company’s deep expertise translates into faster claim resolution (top ranking among large insurers for prompt action on lost‑time claims), higher return‑to‑work rates (over 95 % of policyholders each year), and better cost control for employers. SFM’s commitment to workplace safety and injury prevention, combined with its recognition as a top midsize employer, makes it a trusted partner for businesses seeking reliable protection and a culture of safety.