SFM is the leading workers' compensation insurer in the Midwest, serving businesses of all sizes and types for more than 30 years. SFM's mission Much has changed since SFM was created in 1983. Although business has evolved exponentially since those early days, SFM's basic mission hasn't changed. SFM still strives to be the workers' compensation partner of choice for agents, employers and injured workers. SFM provides unparalleled knowledge, guidance and resources to help employers maintain safe work environments, restore injured employees to health and productivity, and minimize the costs associated with workers' compensation claims. Long-term value SFM offers consistent value for the long term at a competitive price. That's why 94 percent of policyholders consistently renew with SFM each year. SFM is the workers' compensation carrier of choice for over 14,000 employers across the Midwest.