Policyholder Services and Resources

Commercial Lines Policyholder Services

Every company can experience accidents, injuries and property damage. Encova’s safety and loss control services take the extra step to protect your business before these potential events occur. This proactive approach aims to help you avoid filing claims. Fewer claims can result in reduced costs and premium savings.

Our safety and loss control consultants are experienced safety and health professionals, meaning you get an experienced and knowledgeable professional for fleet safety, protection of property, business resilience and product safety. We can assist with your entire business.

The following services are included in commercial insurance policies.

Fleet safety should be a high priority whether your operation is small or large. Fleet safety starts with a strong commitment to all aspects of fleet safety: driver selection, orientation of new drivers, telematics, driver accountability, driver reviews and compliance to laws. As seasoned fleet professionals, we can assist with designing a fleet safety program that works for your business and be your partner in fleet safety.

Because it focuses on what you do or produce, product liability is at the core of every business. 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.

In a matter of hours, a disaster can leave your vital property destroyed, exposing your business to income loss and outside competition. Our safety and loss control can help make your business resilient to property losses and can provide a risk assessment to identify hazards that can cause fire and explosion losses. We focus on control of flammable and combustible liquids, employee fire safety procedures and effectiveness of sprinkler and other fire protection systems. We will work with you to protect your property and income streams.

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.

Commercial Lines Policyholder resources

Encova offers a wide variety of resources to assist your business with loss prevention efforts, including loss control tools, loss control training programs, presentations and access to online safety training videos.

Employment Matters Resource Center

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

See our safety and loss control for workers’ compensation resources.