SFMI is an underwriting company focused on providing superior insurance products at a reasonable price. We are an admitted carrier providing coverage for commercial businesses. SFMI offers, a commercial package, automobile policy, commercial umbrella, workers' compensation and EW. We have created industry specific coverage enhancements forms to better serve our insureds’ needs.

SFMI is licensed to write in forty-five states. We are located in Ridgefield Park, NJ.

SFMI's Loss Control Department is attuned to its policyholders' needs and provides guidance to improve the way they manage their risks inherent in property and liability exposures, marine cargo, commercial vehicles, and the workplace to ensure maximum safety. SFMI's Loss Control Department can provide an in-depth risk management assessment, a detailed analysis of losses (including root cause), and an action plan to reduce loss potential through best practices.

SFMI offers customizable safety consulting and training services that cater to the needs of each of its policyholders:

• Safety Program Reviews: We review programs based on each relevant state’s requirements and also for the benefit of our policyholders, to improve their safety programs.
• Marine Cargo Evaluations: We offer marine cargo evaluation services to assist our policyholders in developing loss prevention and control programs.
• Property Evaluations: We provide property surveys and recommendations for property risk improvement.
• Products Development Safety Evaluations: We complete quality control program reviews and provide suggestions for plan improvement.
• Driving Safety: We help reduce risks associated with driving commercial motor vehicles by assisting customers with the selection, education, management and training of their drivers.
• Certified Industrial Hygiene Consultations: Through risk assessment and monitoring of risk exposure, our Certified Industrial Hygienists help policyholders anticipate, recognize, evaluate, and control occupational exposures in the work environment.
• Ergonomic Surveys: We complete detailed ergonomic surveys and recommendations to address some of the costliest losses.

We provide each of our policyholders with access to CLMI Safety Training (formerly known as Comprehensive Loss Management, Inc.), which provides high quality courses and materials that enable employers to improve health and well-being, comply with OSHA standards, and reduce workers' compensation costs through the reduction of employee injury and illness. These courses and materials are provided through online streaming safety videos; written safety program samples; administrative guides; employee handbooks; customizable safety PowerPoint presentations; as well as other tools and resources.

At the time of a loss, or when a claim arises, SFMI is committed to helping our customers when it matters most. We do this by consistently delivering exceptional claims service.