Partnering with you to protect your small business.
Small business at Encova Insurance
Encova Insurance understands the value of small businesses, and we're dedicated to ensuring they are protected. We have independent agents in your neighborhood, and they know how to best serve your business insurance needs. Your agent becomes your partner in understanding the risks your business is facing and customizes our products to best fit you. A small business policy with Encova provides both full coverage for you and ease-of-doing business for your independent agent. If you don't currently have an independent Encova agent, find one today.
In addition to being the go-to for workers' compensation for small business, we have over 300 eligible package classes of business perfect for retail, offices, artisan contracts and restaurants. We have expertise in numerous industries, including manufacturing, wholesalers/distributors, physicians and dental offices, and more. And with a policy from Encova, you get access to a wide variety of resources to assist your business with loss-prevention efforts, including safety handouts, safety training guides, the Employment Matters Resource Center and access to online safety training videos.
KEY PRODUCTS AND CLASSES
We are consistently an industry-leader for workers' compensation for small businesses. Whether you're looking for retrospective rating options, employers liability, broad form coverage or more, we have you covered. With our fronting facility, we can write any workers' compensation in any state.
We have great solutions for monoline workers' compensation in the industries below:
- Manufacturing
- Contractor
- Hospitality
- Social services
- Health care
- Schools
We have over 300 eligible package classes of business perfect for retail, offices, artisan contracts and restaurants.
Retail business
- Automobile parts and supplies
- Beverage stores
- Clothing and gift stores
- Grocery and health/natural food stores
- Home furnishing and gardening supply
Offices
- Accounting and payroll services
- Law offices
- Medical offices
- Real estate and title agents
- Lessor's risk
Artisan contractors
- Electrical
- Drywall
- Fence erection
- Floor covering installation
Restaurants
- Fine dining
- Family-style restaurants
- Delis, diners, cafes and coffee shops
- Ice cream and frozen yogurt stores
- Pizza and takeout shops
We successfully write for all lines of business in the following industries:
- Auto repair shops
- Manufacturing
- Retail and services
- Restaurants
- Wholesalers/distributors
- Dealers – auto, equipment, implement and power shops
- Physicians and dental offices
- Specialty trade contractors
- Lessor's risk
CLAIMS SERVICES
At Encova Insurance, we're dedicated to being there when our policyholders need us most. In the event of a claim, you can be sure you will be well-taken care of. Our average overall satisfaction with claims handling at Encova is 90%. With our dedicated customer service team, Encova's policyholder portal and Encova Edge, our agent portal, we make filing a claim simple so you can focus on getting your business back on its feet.
Policyholder services
We offer a wide variety of resources to assist your business with loss-prevention efforts, including safety handouts, safety training guides, presentations and access to online safety training videos.
We offer a wide variety of resources to assist your business with loss prevention efforts, including safety posters, handouts, customizable safety programs, written policies and procedures, inspection checklists and training PowerPoints. To request resources, email safety360@encova.com.
As a commercial policyholder with Encova, you receive access to the Employment Matters Resource Center, a compliance solution to help address your organization's specific needs. Services include unlimited, specific, documented and confidential advice from employment law attorneys; online training courses, including sexual harassment prevention, available for both supervisors and employees; and online tools like a state-specific employee handbook builder, forms, posters, news and more.
Auto/fleet and workers' compensation policyholders receive unlimited access to free safety training videos. For access, contact your independent agent or local safety and loss control consultant. You can also email us at safety360@encova.com and provide your company name, contact name, phone number and email address to request a user account.
Agent resources
At Encova Insurance, we value our agents and strive to cultivate authentic, trusting relationships that result in better service for policyholders. We provide comprehensive insurance solutions through more than 2,000 independent agencies like yours who serve businesses and neighborhoods in their area.
Partner with us to gain access to our dedicated team of experts, competitive products and award-winning technology. Together, we can build strong relationships so you can meet your clients’ specific small business insurance needs. And with our small business appetite guide and Small Business Service Center, we are committed to improving your ease of doing business for small business customers.
We are currently appointing for all lines of business, varying by state. If you’re interested in an appointment with us, complete this form to tell us more about your agency and a member of our Agency Operations team will be in contact with you.
To learn more about us, read our story.