SFM is the leading workers’ compensation insurer in the Midwest, serving businesses of all sizes and types in 16 states. State Fund Mutual’s trademark is The Work Comp Experts. Buying workers compensation from a company specializing in workers compensation has it’s benefits. Offering many on house services like claims adjusters averaging 15+ years of experience. Experienced injury prevention experts, in house nurses and occupational therapists, on-site physicians, attorneys, subrogation specialists and fraud investigators. SFM also has in-house bill review professionals who help reduce costs on medical bills. Insuring over 20,000 employers in Minnesota and though out the Midwest, with a 95% customer retention.