New employee safety: Get your new hires off to a safe start

Employees are at higher risk of injuries during their first six months on the job, according to SFM claim data.

Effectively training new employees on safety can be challenging, but it’s key to protecting and retaining quality employees.

Investing in a quality new-hire safety training program pays off by helping you:

  • Take care of your employees
  • Control your workers’ compensation premiums
  • Avoid Occupational Safety and Health Administration penalties

Planning initial safety training

Your first step is to determine what topics you’ll need to cover.

You’ll want to cover both general hazards, which are applicable to all employees, and job-specific hazards. To identify these risks, conduct general hazard assessments and job-specific assessments. A Job Hazard Analysis, also known as a Job Safety Assessment, should be conducted by someone familiar with the department, workstation and tasks to be performed.

Don’t forget to include the following topics in your new hire safety training:

  • Regulatory required training
  • General (non-regulatory) training
  • Local policies
  • Incident reporting
  • Return to work
  • Emergency response
  • Safety committee
  • Safety awareness methods
  • Right to refuse work or stop job if unsafe or not trained

Appropriate safety training methods are not only necessary to meet regulatory requirements; they are the key to long-term success in reducing potential employee risk. Incorporating a variety of training methods increases employees’ learning retention.

Shadow/mentor training

New employees need to thoroughly understand how to work safely after going through initial and job-specific training. Job shadowing an experienced employee provides an opportunity to learn expectations, observe safe work practices and ask questions to safely become familiar with their new position. A mentor can shadow them to assess whether correct procedures are followed and provide education or feedback.

Refresher training

You can use a safety training matrix to coordinate ongoing, periodic training for your employees.

Start by adding required topics to the matrix. Remaining topics may vary but should include the following:

  • Potential hazards
  • Injury trends
  • Near-miss reports
  • Company safety and claims policy reviews

Safety training checklist

SFM developed a simple safety training checklist to help employers determine what to include. It covers basic topics such as:

  • Company safety philosophy
  • Emergency response – alarms, exits, etc.
  • Return-to-work
  • PPE requirements
  • Compliance-related training
  • Procedures that address workplace hazards
  • Tools and equipment that support safety
  • Behaviors and/or techniques to work safely
  • Policies that relate to safety
  • Reporting unsafe condition or behavior
  • Safety committee members and meetings (if applicable)
  • Mentorship program/buddy system

Download our safety training checklist.

Observations

New hire safety orientation programs are most effective when paired with training and periodic safety observations by an experienced mentor or supervisor. Employees should be given expectations and held accountable by their leader to meet them. Consider check-ins at various intervals to assess whether the new employee can work independently to reassure the employee that the employer truly cares about their safety and elevate safety culture within the organization.

Don’t forget leadership training

Employees look to leaders and follow their examples, so it is crucial to include safety as a part of a leader’s onboarding training. Include the following topics in your safety training for leaders:

  • Commitment to safety culture
  • Goal setting
  • Investing in safety
  • Work comp 101
  • Communication styles

Additional resources

Our Safety Orientation Success Guide is available in our resource catalog. It provides a solid framework that can be used to develop training, help ensure workplace safety regardless of industry, and increase productivity over time.

You can also find a library of helpful safety training resources for a variety of industries on the safety page. Click on “Employee safety orientation” to find resources organized by industry.

“Many companies that I work with really want to keep their employees safe from day one, but simply need some guidance as to what a basic new hire orientation would look like,” said SFM Loss Prevention Specialist Toby Tortorilla. “This new resource is a great reference for businesses of any size, to either start fresh or build upon an existing program.”

Originally published in April 2023; updated in August 2024.

SFM named a top 2024 workplace by Star Tribune

SFM Mutual Insurance Co. announced today that the Star Tribune has ranked the workers’ compensation insurer as the eighth best place to work among midsize employers in Minnesota for 2024.

The Star Tribune’s Top 200 workplaces were chosen based on anonymous surveys of employees, which asked them to rank their employers in areas such as quality of leadership, cooperation between departments, meaningfulness of work, appreciation from coworkers, positivity of workplace, flexibility in scheduling, level of pay and quality of benefits.

“Our reputation as the work comp experts is directly related to the talent of our employees and their dedication to customer service,” said Terry Miller, President and CEO of SFM. “Our employees embody our culture. They are the primary reason SFM is a fantastic place to work and develop.”

The survey of SFM employees produced a workplace experience score of 4.92 out of 6. Themes that emerged from the survey include:

  • The company’s vision, values and direction closely align with those of employees
  • SFM employees feel empowered and able to grow in their careers
  • Employees are engaged and committed, and advocate for SFM
  • Pay, benefits and work-life balance are competitive compared to others in the industry
  • Employees feel respected and supported

Also cited in the survey was an appreciation for SFM’s strong tradition of corporate philanthropy. In April 2024, the company became a member of the Minnesota Keystone Program, which promotes corporate philanthropy by recognizing and honoring companies that donate at least 2 percent of their pre-tax earnings to charitable organizations.

“It’s terrific to see how much employees enjoy working at SFM,” said Jody Rogers, Senior Vice President, Chief HR Officer. “It’s always been our philosophy to take excellent care of our employees, and our latest survey results confirm that our efforts are being realized.”

The Star Tribune Top Workplaces designation is awarded based on the results of a survey of employees conducted by Energage, a company that specializes in employee surveys and conducts more than 66,000 annually.

SFM has earned the accolade four out of the four times the company has participated.

View Star Tribune’s 2024 Top Workplaces webpage

View SFM’s Top Workplaces profile

 

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Safe driving practices for employees

Driving safety webinar​Nearly 43,000 Americans died in car crashes in 2022, a number that has been on the rise in recent years.

It is a grim reminder that adopting safe driving practices can be lifesaving.

Safe driving habits

Defensive driving and other safe driving techniques are learned habits. Here are some tips to help equip employees and yourself with the knowledge you need to be safer on the roads.

Identify the following common hazards and actively avoid them:

  • Changing road or traffic conditions. Adjust your driving to match the traffic around you, and the weather and road conditions.
  • Impaired driving. Never drive with alcohol or drugs in your system and keep an eye out for other drivers that may be impaired.
  • Distractions, such as food, maps, and cell phones. Avoid distractions that take your attention away from driving or your hands off the wheel. Pull over and stop if you need to text or make a call.
  • Driving while sleepy or drowsy. Pull over and rest if you are tired.

Adopt the safe driving procedures:

  • Always wear your seatbelt.
  • Drive at a speed safe for the weather conditions. Snow and rain may warrant slowing down below the posted limits.
  • Maintain space between your vehicle and the vehicle in front of you. A safe margin is 2-4 seconds when weather and traffic conditions are ideal, and longer if conditions are slippery or traffic is congested. Commercial vehicles should always maintain a 4-plus second space in front of their vehicle.
  • Regularly glance two to three vehicles ahead of you, behind you and to your sides, and use your mirrors to check blind spots.
  • Look left, right and left again before entering an intersection.
  • Ensure the path is clear, even if you have the right of way at an intersection.
  • Maintain an escape route in case of an unexpected event.

Company cellphone policy

Cellphone use is a major contributor to distracted driving and therefore driving-related injuries and deaths. The National Safety Council reports that nearly 12 percent of fatal crashes in in 2021 involved cellphone use.

Meanwhile, 34 states bar people from using hand-held cellphones while driving, and only one state does not prohibit people from texting and driving, according to the Governors Highway Safety Association .

Company policy should address cellphone use if you have employees whose job includes driving. Not only does it help keep employees safe, but it could help your organization’s bottom line. The National Safety Council reports that employers have been held liable for crashes caused by employee cell phone use, including the use of hands-free devices.

SFM provides a sample cellphone policy CompTalk in our Resource Catalog. This example policy prohibits any use of phones while driving for work, regardless of an employee’s use of hands-free devices. It requires employees pull over and stop before calling, answering, or texting using a cellphone.

Employee training

After establishing company-supported safe driving practices and a cell phone policy, be sure to train employees on them and follow up regularly to ensure employees are following the guidelines.

Lastly, SFM also offers training tools on defensive driving and cellphone use in our Resource Catalog.

Muscular injuries: How to combat common ergonomic challenges

By Mike Fetting, CIEE, Loss Prevention Specialist

While injuries often occur when lifting or moving is involved, implementing a program that focuses on proper ergonomics can greatly reduce incidents.

Challenges with larger muscle groups (primarily the back and shoulders) are often easier to identify and control than those associated with repetitive motion risk factors.

Injuries can be caused by moving something that is too heavy or repeatedly handling something that is slightly heavy but in an awkward position (overhead, near ground level, or while twisting).

Establish a program to prevent injuries

A safe lifting/back injury prevention program includes the following elements:

  • A designated coordinator
  • Workforce training
  • Identification of high-risk tasks
  • Implementation of controls
  • Early intervention

Consider creating an ergonomics safety committee to maintain focus on ergonomic challenges and improvements, if you don’t have one already. SFM’s Safety Committee webpage is an excellent resource for creating a committee. This team is ideally comprised of members with basic ergonomic awareness training (possibly some with advanced training in ergonomic evaluations).

Together, the team can explore ergonomic interventions such as job rotation, stretching, and wellness activities. Ergonomic experts and guests can also be helpful when a professional evaluation is needed.

Use the following approaches to reduce the chance of injuries:

Engineering

Engineering is the most effective intervention. Manipulators and robots are more expensive solutions, but can quickly pay for themselves if even a few severe injuries are avoided. Additionally, there could be added productivity benefits. There are also other simpler, less-expensive controls that can be implemented:

  • Raising items off the floor — Some items just need a stand to be stored on and accessed more easily
  • Adding a hoist — There are devices to grab almost any shape (hooks, straps, clamps, magnets, or vacuum heads)

Job rotation

The tasks should alternate between light and heavy work.

Safe lifting training

Two key messages to remember are “keep your head up” (this forces you to use your knees and keep your back straight) and “shuffle your feet to turn – don’t twist.”

Stretching and flexing

While not considered as effective as engineering or job rotation, stretching and flexing can warm up the muscles and get them ready for work.

Intervene early and be proactive

Early intervention can keep nagging soreness from becoming a more serious injury. Encourage early reporting and respond positively. Reduce exposure time through task improvements or job rotation, and employ targeted stretching to aid in simple recovery.

Technology can also be used to create a solid ergonomic program. These are best used to improve ergonomics in areas with consistently poor lifting techniques and include:

  • Exoskeletons — Frames that are worn by the employee to assist in lifting and/or control posture to avoid awkward positions.
  • Wearable sensors — These work by sensing rather than controlling body position.
  • Video analysis — These new systems only need a video taken with your phone and a few data entry points to create an ergonomic evaluation. Areas with the most issues can be targeted for improvement.

The best solutions preserve employee health, increase production, and can even enlarge your job candidate pool. In the long term, fewer injuries often mean savings in insurance too.

Additional resources:

Originally posted September 2023; updated May 2024.

Helping students, regardless of who insured the injured: SFM Foundation

The SFM Foundation, created by SFM in 2008, provides college scholarship funds for students whose parents were killed or seriously injured in workplace accidents.

Of the 247 scholarships the SFM Foundation has awarded over the years, nearly 95 percent have gone to students whose parents’ employers were not covered for workers’ compensation by SFM Companies.

In fact, the SFM Foundation does not consider the work comp insurer when awarding scholarships. We aim to serve the entire community, and more than 60 different insurance companies have had scholarships awarded by our program.

“It’s important for us to focus on helping students achieve their dreams, regardless of which carrier their parent’s injury is with,” said Linda Williams, SFM Foundation President.

Other insurance carriers have also taken notice of the efforts. A local carrier with national reach that could be considered a competitor of SFM is a longtime sponsor of the foundation.

Since its inception, the SFM Foundation has awarded $4.1 million in scholarship money.

“We want to help these students, and it doesn’t matter who their parent’s insurer was. It’s about doing what we can to support families at a time when they are really going through some tough challenges in their lives,” Williams said.

And by not considering the work comp carrier of the student’s parent, it opens up the door for a wider range of individuals to receive support for their college careers.

In its first year, the SFM Foundation provided $57,000 in scholarship money. In 2023, it was $482,500. And the SFM Foundation is among the top organizations in the country providing similar philanthropy.

“Seeing the responses from the young people we have awarded scholarships to over the years has been incredible,” Williams said. “The SFM Foundation is committed to making a difference in the lives of students and their families.”

 

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SFM enhances MyPayroll premium audit system

SFM is making upgrades to its online MyPayroll system with new features and a streamlined process to make it even easier for policyholders to complete annual premium audits.

The enhancements went live on May 5, 2024.

The new features include:

  • The ability to securely upload multiple documents at once using a drag-and-drop interface
  • Email notifications in addition to physical letters about premium audit deadlines
  • The ability to add documentation to the audit after it’s been submitted

If you have started your audit in the old system at the time of the rollout, the information you’ve entered will be pre-filled into the new system.

New MyPayroll users

With the enhancements to MyPayroll, a wider range of policyholders will be able to complete their audit online, including some policyholders who previously completed audits in person or via email only.

If you have questions throughout the audit process, your auditor is available to help. You can find your auditor’s contact information on letters or emails you’ve received or within MyPayroll.

 

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SFM Foundation scholarship applications accepted until March 31

The SFM Foundation will be accepting scholarship applications for the 2024-2025 academic year until March 31, 2024.

The nonprofit makes college more affordable for families affected by workplace injuries by offering post-secondary education scholarships to children of parents fatally or seriously injured on the job while working for a Minnesota or Iowa employer.

Interested applicants can find a registration form and eligibility requirements for the scholarships on the SFM Foundation website .

Scholarships will be awarded based on injury severity and impact on the student and their family, among other factors.

About the SFM Foundation

The SFM Foundation was created in 2008 by SFM Companies, a regional workers’ compensation insurance group headquartered in Bloomington, Minn. The nonprofit is dedicated to easing the burdens on families affected by workplace accidents. Since its inception, the foundation has awarded 232 scholarships totaling $3.7 million. For more information, visit sfmfoundation.com .

The SFM Foundation is an affiliate of Kids’ Chance of America in Iowa and Minnesota.

 

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Reminder: SFM offers pay-as-you-go option

​Employers insured by SFM have an important option when it comes to reporting payroll and managing premium payments. SFM’s pay-as-you-go wage reporting system allows policyholders to make premium payments that match with payroll throughout the year.

The pay-as-you-go option is available to any SFM policyholder with at least $1,000 in annual premium, and it’s especially valuable for businesses that experience fluctuations in staffing throughout the year.

SFM has offered this capability for several years, and it’s gaining popularity with employers. Our pay-as-you-go option offers the following features:

  • Enrollment in pay-as-you-go is available at policy inception, on renewal or during the policy year
  • Account setup requires little or no collateral deposit
  • Payments can be made by mail or online
  • Pay-as-you go users can request automated recurring payments
  • Users have digital access through SFM’s CompOnline policyholder management system
  • Remember, pay as you go policies are still audited just like any other SFM policy, to verify the correct payroll figures were reported

To learn more about how pay-as-you-go wage reporting can make life easier for your policyholders, contact your underwriter or visit the pay-as-you-go wage reporting page.

 

Originally published March 2022

 

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Why workers’ compensation rates are decreasing

As rates for other lines of insurance climb, workers’ compensation rates are steadily decreasing.

“Consistent with recent years, we continue to see the rates in our core states of operation going down in 2024,” said SFM Business Development Specialist Cody Allen. “The latest workers’ comp rates throughout our territory currently range between -6.3% and -12%.”

Why are rates going down?

The explanation for this positive trend is simple – workers’ compensation claim frequency has declined for all but two of the past 20 years, according to the National Council on Compensation Insurance (NCCI).

There are a number of key reasons why we’ve seen reduced claim frequency over time, including:

Technological work practices: Employers have found ways to leverage automation, mechanical assistance and other technology to reduce the risk of injury for their employees.

Management practices: Employers are putting more energy and attention toward better hiring practices and return-to-work strategies.

Safety programs: Employers are also investing more in safety training and hazard reduction.

Meanwhile, medical utilization trends are also helping to control workers’ compensation losses. For example, moving toward more outpatient procedures and generic drugs has had a positive impact on medical costs.

The workers’ compensation industry has had significant reserve redundancies over the past five years, and is currently estimated at $17 billion, an all-time record, according to NCCI. The possible release of these reserves only improves carriers’ results.

The combination of claim reserves possibly being released, claim frequency continuing to decline, medical inflation remaining under control and payroll increases work together to drive rates down.

Future challenges to positive trends

There’s not necessarily an end in sight for these positive industry trends, but there are some future uncertainties that could be looming:

  • An uncertain economic environment
  • Labor challenges, including an aging workforce and competition for employees, which can lead to more turnover (newer employees often have a higher frequency of claims)
  • An uptick in claim severity
  • Wage, medical and social inflation

For more information on trends in workers’ compensation rates, see the NCCI State of the Line report for 2023 .

 

Originally published July 2023

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Get to know an SFM employee: Meet a member of our in-house legal team

Peter LindquistPeter Lindquist has been part of the legal team at SFM since 2018. Prior to that, he practiced for four years in the areas of workers’ compensation defense, general civil litigation, and employment law. We asked Lindquist to share a little bit about his background and role.

Tell us a little bit about your background.

I’ve been with SFM’s in-house law firm for just over five years now. I got into workers’ compensation and law because my dad was a defense attorney handling a lot of workers’ compensation and employment law issues.

Ever since I was a kid I worked at his office. I started flipping copies when I was younger. Then when I was in college, I started doing more substantive stuff and that led me to go to law school.

I practiced and worked with my dad for four or five years doing work comp and employment law. Then I decided it was time to spread my wings and found my way to another firm and then to SFM.

How would you describe your role in a nutshell?

I kind of have two jobs. One of them is to represent SFM and its insureds in litigated workers’ compensation claims. That’s my primary role.

But I’m also a resource and adviser to SFM’s claims adjusters, medical-only reps and policy holders when they have non-litigated claims. That’s something that SFM does really uniquely compared to when I was in private practice and what I’ve heard of other companies that have in-house law firms.

Also, there’s a strong integration between our in-house law firm and the Claims team. Claims adjusters can walk down to our office or call us up any time they have questions to talk to us. We’re not just litigating claims.

How is SFM different from other companies you’ve worked with?

That integration piece is a huge part of it.

I found it difficult in private practice to strike a balance between being an advisor and providing good and candid advice to clients; and also being a business person and having to think about how to please clients and get return business. I also hated having non-communicative clients that I didn’t have a direct line to. I don’t see either of those as issues at SFM.

We’re colleagues and we can speak directly and frankly about the claims we’re handling, and people are responsive.

What about your job is particularly rewarding?

I do really enjoy the times we’ve had in meetings with policy holders, especially small business owners who are new to work comp, where we kind of give them the work comp 101. We do a fair amount of that.

We’ve got a lot of big employer entities that know their stuff but getting to work with those smaller entities that don’t know it as well is rewarding.

What do you like about your job?

I like getting to explain things and help people solve problems.

I also like the problem-solving part of the litigation and day-to-day side. Every new claim that comes in is like a puzzle. You get to look at all the pieces – what are the facts, what are the issues, what does the medical report say? Then you start using those to paint a picture about the case. I really enjoy that part of it.

What’s most challenging about your job?

Litigation is stressful and time-consuming, and has constant deadlines to meet. And you have to work hard to keep a cool head in contentious situations, and in dealing with difficult personalities.

What words of wisdom do you have for small-business employers?

Communicate. Remember that with SFM you’ve got so many resources – claims adjusters, med reps, doctors, attorneys. Communicate with us, use us. When you’ve got an active claim, keep us in the loop as to what’s going on. We’re a team and we should work as a team.

Tell us a little bit about yourself.

I live in the northwest suburbs of the Twin Cities. I’m married and my wife and I have an 8-month-old at home, and that’s the biggest thing in our lives right now.

Outside of that than that, I play guitar in a couple of bands. My three younger brothers and my dad are all musicians, too, so that’s a big part of our family gatherings and activities.

 

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