Website policies and Terms of Service

This website ("Site") is owned and operated by Encova Insurance. The policies set forth herein comprise the Terms of Use for this Site and any associated websites. Your use of this Site or any services or information derived from this site constitutes acceptance of these policies and any other applicable terms. The Terms of Service for this Site are hereby incorporated by reference.

Data security and protection
While Encova takes reasonable and appropriate precautions to protect its customers and to prevent possible security breaches in our Site, services and customer databases, no website, internet transmission, computer system or wireless connection is completely secure. Consequently, Encova cannot guarantee that unauthorized access, hacking, data loss or other breaches will never occur. Your use of the Site and services is at your own risk. Encova does not make any express or implied warranties, representations or endorsements with respect to links, files or other information provided on, downloaded from or accessed through this site. This site may also provide links or data connections to third-party websites or web applications. Encova does not control the content of third-party sites and cannot be held responsible or liable for the content or accuracy of any external websites.

Limitation of Liability
By using this Site or any website managed by Encova, you agree that Encova shall not be liable or responsible, directly or indirectly, for any damage or loss alleged to be caused by or in connection with the use of this Site, its data connections, links, applications, downloadable files or other information or functions contained herein or found on any site that may be accessed or connected to by way of this Site.

We reserve the right to make changes to Encova’s websites and our legal disclaimers.

We encourage you to review Encova’s websites and these disclaimers periodically for any updates or changes.

Your continued access or use of these sites shall be deemed your acceptance of these disclaimers and any subsequent changes.

Privacy Policy

Your privacy is important to us. We are committed to protecting your privacy and earning your trust. We respect your right to keep your personal information confidential and to avoid unwanted solicitations.

This Privacy Policy explains the types of information we gather and what we do with it and is intended to provide you notice of Encova Insurance’s information management practices, including how the information is gathered, safeguarded and the degree to which you may control the maintenance and sharing of your information.

Your use of any services or this Site constitutes acceptance and agreement with this Privacy Policy and any other applicable terms.

Information gathered

Personally identifiable information that we collect
Encova respects your privacy and is committed to protecting personally identifiable information that you provide in connection with your use of this Site and services. Encova does not gather information that personally identifies users of this Site, except when you provide such information to us. For example, Encova will gather information about individuals requesting products or services when they submit a request, create a user account or otherwise provide information through this Site.

We will also collect nonpublic personal information about you and members of your household in connection with your insurance transactions with us. This information may be aggregated from information you provide or through technological collection from cookies, pixel tags, web beacons, browser fingerprinting or other tools. The type of information collected may vary depending on your use of this Site, the products or services you inquire about or select and the type of policy or coverage you buy. Information collected may include:

  • information we receive from you on applications and other forms;
  • information about your transactions with us, our affiliates or others;
  • information about the creation of user accounts, interest in particular services, location-based information, online consumer behavior, your use of this Site or interest in products and services related to those offered by Encova and interaction with other web-based or mobile applications;
  • information we receive from consumer reporting agencies and other sources; and
  • with your consent, we may ask a medical professional who has treated you or members of your family to confirm or give us more details about medical information you have given us.

Non-personally identifiable information that we collect
You may be asked to provide information that does not personally identify you. Encova may request this information to understand you better and to also bring to your attention new products, services, programs or offers that may be of interest to you.

In many cases, Encova will automatically collect certain non-personally identifiable information about your use of this Site and services. Encova might collect, among other things, information concerning the type of internet browser, operating system or computer operating system you are using, the domain name of your internet service provider, your "click path" through the Site or "click-through" from an email, the Site or advertisement that was linked to or from the Site when you visited and your IP address. To do this, Encova may use cookies and other technology (see below). Your use of our Site and Services, and information provided through these technologies, will be anonymous unless you provide us with personally identifiable information or have provided such information in the past.

Information about other people
Some of the services on the Site may ask you to submit personally identifiable information about other people. For example, you might submit a person's name and other personally identifiable information if you purchase a product or service. A record of that transaction will be maintained as allowed and/or required by law. In addition, we may add those people’s information to our marketing database for future use or access by them or us.

Cookies and related technology
The Site and some products and services, and associated advertisements, may contain "cookies," clear gifs (also known as web beacons or web bugs) or similar technology. A cookie is a piece of data that holds information that identifies you to our website, if your computer is enabled to accept cookies. Web beacons assist in the delivery of cookies and the collection of non-personally identifiable information, such as "click path" and other data as described above. In using our Site, you agree that we may store a "cookie" on your computer. Our website does not use cookies to retrieve any information from your computer. You agree that we may use cookies, clear gifs, frames, server log analysis and other technologies as they are developed to customize your experience with our Site and Products and Services.


Personally identifiable information
Encova uses information about you to deliver the information, products and services that you request, to keep you informed about changes affecting our products or services or your account, to inform you of other services or offers in which you might be interested and to improve and enhance our Site and services. If you provide Encova with personally identifiable information, we will take all reasonable and appropriate steps to protect it from unauthorized disclosure.

You may opt-out to receive email from us by following the directions in each message to "unsubscribe." However, if you choose to opt out of marketing messages, we reserve the right to contact you regarding your transactional issues, account status, technical support, product information, changes to account terms and any other matter that might affect our service to you and/or any products or services you purchased from us, as applicable.

Encova will not share, sell, rent or disclose any personally identifiable information that we have collected except as stated herein, or in the following instances: (i) we have been given your consent to disclose; (ii) we have previously informed you of the disclosure, including by means of our Privacy Policy or on the Site, or through the product or service where you provided your information; (iii) we are required by law, legal process or court order to disclose; (iv) disclosure is necessary to identify, contact or bring legal action against someone who may cause or be causing harm to, or interference with, Encova’s rights or property, other Site users, or anyone else; or (v) to respond to an inquiry, request or complaint that you have made. Encova may also use IP addresses in cooperation with internet service providers to identify users if we deem it necessary to comply with law, to enforce compliance with this Privacy Policy or our Terms of Service, or to protect our Site, customers or others.

We do not sell or provide any information we gather to third parties who may wish to provide you with information about their products or services.

We may, as permitted by law, provide information about you to certain persons or organizations. The types of persons or organizations we may share this information with include:

  • persons or organizations that perform professional, business or insurance functions for us;
  • your agent;
  • insurance support organizations;
  • independent claims adjusters;
  • regulatory and enforcement authorities.

As part of servicing or maintaining your contract, and for other legally permitted purposes, we may disclose your nonpublic personal information among Encova, including Motorists Life.

We have procedures that restrict access to nonpublic personal information about you to our employees and others who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards to protect your nonpublic personal information.

Your California privacy rights
(As provided by California Civil Code Section 1798.83)

A California resident who has provided personal information to a business with whom he/she has established a business relationship for personal, family or household purposes ("California Customer") is entitled to request information about whether the business has disclosed personal information to any third parties for the third parties' direct marketing purposes. In general, if the business has made such a disclosure of personal information, upon receipt of a request by a California Customer, the business is required to provide a list of all third parties to whom personal information was disclosed in the preceding calendar year, as well as a list of the categories of personal information that were disclosed.

However, under the law, a business is not required to provide the above-described lists if the business adopts and discloses to the public (in its privacy policy) a policy of not disclosing customer's personal information to third parties for their direct marketing purposes unless the customer first affirmatively agrees to the disclosure, as long as the business maintains and discloses this policy. Rather, the business may comply with the law by notifying the customer of his or her right to prevent disclosure of personal information and providing a cost-free means to exercise that right.

California Customers may request further information about our compliance with this law by emailing . Please note that we are only required to respond to one request per customer each year, and we are not required to respond to requests made by means other than through this email address.

Contact us regarding privacy
Encova is dedicated to protecting your personally identifiable information and welcomes questions and comments on this Privacy Policy. All questions or comments should be directed to:
Customer Service at 800-876-6642 or by email at .

Encova Mutual Insurance Group includes: Motorists Mutual Insurance Company, BrickStreet Mutual Insurance Company, MICO Insurance Company, Encova Life Insurance Company, Motorists Commercial Mutual Insurance Company, Broad Street Brokerage Insurance Agency, LLC, Phenix Mutual Fire Insurance Company, Wilson Mutual Insurance Company, Iowa Mutual Insurance Company, Iowa American Insurance Company, Consumers Insurance USA, Inc., Encova Service Corporation, Encova Realty, LLC, Encova Insurance Agency, Encova Foundation of Ohio, NorthStone Insurance Company, PinnaclePoint Insurance Company, SummitPoint Insurance Company, AlleghenyPoint Insurance Company, Encova Foundation of West Virginia and IMARC, LLC.

Encova reserves the right to change this Privacy Policy and its Terms of Service or Use at any time. All changes will be effective when posted, and your continued use of the Site after the posting will constitute acceptance of, and agreement to be bound by, those changes.

Effective date: July 15, 2019