At Encova, we take a proactive and consultative approach to reducing workplace injuries. Our goal is to help your company create a culture of safety in the workplace that leads to fewer accidents and more productive employees. While this will lower your workers’ compensation costs, the greatest benefit is reducing the huge organizational cost of workplace injuries.



Every company has the opportunity to experience loss. We want to give you the opportunity to anticipate those losses before they happen.

Encova has quality insurance solutions to keep you protected in the event that something with your business goes wrong. With our safety services, we take the extra step to protect you before that event takes place.

Our safety and loss control team partners with your business to create safer environments for your employees and customers and protect business assets from damage or loss. This proactive approach aims to help you avoid filing claims in the first place. Fewer claims can help you save on the cost of your overall policy. 

Our safety services are designed to reduce exposure to loss and strengthen your approach to safety.



Our on-site safety and loss control assessment identifies potential hazards or exposures that can result in employee injuries and provides solutions for the hazards or exposures identified.

Fleet safety should be a high priority whether your operation is small or large. Fleet safety starts with a strong fleet safety policy and an emphasis on driver selection, vehicle maintenance and defensive driving training. We can assist with designing a fleet safety policy and program, evaluating existing fleet safety policies/procedures, developing driver selection procedures and providing resources for defensive driver training.

Product liability is often an overlooked risk exposure. Product liability exposures are present anytime a company manufactures or directly imports a proprietary part or product; an original equipment manufacturer product is significantly altered, changed, installed or serviced/repaired; and a product is damaged in storage or shipping. We can assist with the evaluation of the potential for product liability claims by reviewing your operations and products to identify potential product liability exposures.

We evaluate processes, work stations and methods in your operation that present exposures to cumulative trauma disorders, such as carpal tunnel syndrome, lower back injuries and other related conditions and provide solutions for the exposures identified.

The protection of your facilities from fire, explosions and other perils is a high priority, as many businesses do not recover from these types of loss. We will provide evaluation of your facility, including identification of potential fire hazards; evaluation of fire protection, detection and suppression systems; and a review of fire prevention measures.

Businesses have varying degrees of public liability. Businesses that have members of the general public on their premises on a regular basis have a higher degree of liability, and thus incur a higher degree of responsibility for the safety of their customers. We will evaluate the premises to identify potential liability hazards and/or exposures, including conditions of sidewalks, parking lots and entryways; floor conditions; emergency egress; and many other potential sources of liability. We’ll offer recommendations to improve controls or reduce hazards or exposures.


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 or contact your Encova safety and loss control consultant.

Our commercial policyholders receive access to the Employment Matters Resource Center, a compliance solution to help address your organization's specific needs.

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.

This program offers ongoing guidance for policyholders of all sizes to have a safer workplace and reduce workers’ compensation costs. Your safety consultant will survey your existing program to assess the current working conditions of the policyholder. We will then assist you with the elements that need additional development. When followed successfully, the roadmap achieves a reduction of direct and indirect costs associated with workplace injuries.

Use the chart below to see how employee accidents and injuries can impact your bottom line.