SFM is the largest workers’ compensation insurer in Minnesota and a leader regionally, serving over 25,000 businesses of many types and sizes based in Minnesota, Iowa, Kansas, Nebraska, South Dakota and Wisconsin. We help businesses and organizations keep their employees safe, and help injured workers return to health and productivity. 96% of our policyholders return each year. We consistently rank No. 1 among large insurers for prompt action on lost-time claims. Headquartered in Bloomington, Minn., SFM is a customer-owned mutual company.