Workers' compensation

Partnering with employers to reduce their total cost of risk.

The cost of workplace injuries goes well beyond the price of the workers’ compensation policy. At Encova, we deploy resources that create individualized solutions to eliminate injuries before they occur, as well as mitigate the cost of claims. Our goal is to make your business more profitable by reducing your overall expense associated with workplace injuries.

Our proven results:

  • 95% of policyholders surveyed stated they intended to continue to do business with us.
  • Our policyholders have benefited from a 23% reduction in the frequency of lost time claims over the past four years.
  • 85% of injured workers were satisfied with our overall claim handing process.
  • Our pharmacy and opioid costs are 76% lower than industry average.
  • We close 90% of all claims within 10 months.

Encova actively writes workers’ compensation in these states, but has the capability to provide national coverage solutions.


Encova 360º is our innovative approach to workers’ compensation insurance. Encova 360º embodies our commitment to providing value and being responsive to you. Your dedicated service team will serve as your one point of contact with Encova, ensuring accurate and expedited service for all policy and claims needs, including underwriting, claims management, safety and loss prevention, return to work, medical and legal support.

We ensure that every associate is focused on producing the outcomes you need to achieve to improve your operation and reduce your costs by aligning our internal at-risk compensation with those same objectives.

Our goal is to make you a better, more profitable organization having done business with Encova.


Encova offers a full array of products necessary to meet the needs of the smallest company to the largest corporations requiring significant self-insured retention.

  • Guaranteed cost
  • Small deductible
  • Intermediate deductible
  • Large deductible options, ranging to multi-million per occurrence limits with customized aggregate stop limits
  • Retrospective rating options
  • Dividends
  • Broad form coverage
  • Employers liability


Early return to work can decrease the cost of indemnity and medical expenses paid in a claim up to 70%.

We work with you to:

  • Effectively manage the substantial impact work-related injuries have on your bottom line
  • Reduce the financial and operational disruption caused by work-related injuries by helping the injured worker safely return to work as soon as medically feasible
  • Develop a comprehensive program with assistance from our return-to-work specialist
  • Create customized stay-at-work and return-to-work programs
  • Manage your vocational rehabilitation needs when retraining is required


Through innovative claims services and highly skilled adjusters, we help achieve the best outcome for you and your employees.

  • Our claim adjusters work hand in hand with dedicated nurse case managers and return-to-work specialists to return your employees to pre-injury life.
  • Our physician networks were built around physicians who consistently provide excellent quality care and improved claim results.
  • We combat narcotic use and abuse. Our revolutionary opioid solution is designed to protect the employee, physician and policyholder by reducing inappropriate drug use while maintaining the necessary balance to provide pain relief. Our approach results in pharmacy costs that are 76% lower than industry average.