Reporting and preventing injuries

When an injury occurs

Your employee is injured. Now what? Use SFM Risk Solutions' four-step response to get the claim off to a good start.

  1. Get proper care. In an emergency, call 911.

    In a non-emergency, suggest your employee go to a clinic you should already have an established relationship with. You want to make sure the clinic you choose is familiar with handling workers’ comp injuries and understands that you are interested in getting your employee back to work as soon as medically possible.

  2. Gather information. Find the information necessary to report the injury.

    Be prepared to share with your claims representative:

    • Specifics about the injury and how it happened
    • Wage information
    • Employee's full name, date of birth, address and Social Security number
    • Medical information
    If you don't have all of the information, report the injury anyway and gather the information later. Timely reporting is crucial to getting the claim off to a good start.

  3. Complete the First Report of Injury. The fastest and most convenient way to report injuries is online.

    It's easy. No login or password is required. All you need is your SFM policy number (which can be found on your policy) and the date of injury to get started.

    Ways to report:

    • Online
    • Fax: (952) 838-2000
    • Phone: (952) 838-2020
  4. Once you have reported your claim, an SFM Risk Solutions claims representative will contact you within 24 hours.

  5. Report lost work time. Assuming you have already ready reported the claim, notify your SFM Risk Solutions claims representative when you know the employee will miss time from work.

Injury prevention

Prevent injuries from happening in the first place with these four critical elements:

  1. Assign a designated safety coordinator. Choose an employee that is familiar with your operations and is dedicated to making your work environment safe.
  2. Have good hiring practices. Require pre-employment physicals. Make sure job descriptions match the job requirements. Be aware of federal Americans with Disabilities Act (ADA) requirements. Steer clear of undocumented workers.
  3. Have a safety program. Develop a program that describes the safest way to work and train employees on those best practices.
  4. Schedule regular training. Train new and existing employees. Everyone can benefit from a review of safe work practices.