Policyholder services and resources

Workers' compensation 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 occupational safety and health professionals, meaning you get an experienced and knowledgeable professional for everything from ergonomics to product safety and liability.

The following services are included in commercial insurance policies.

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.

Workers' compensation policyholder resources

Encova offers 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.

SafetySource is Encova’s comprehensive web-based safety resource library that allows for customized safety programs, written policies and procedures. To request a user account, email your name, company name, phone number and email address to safety360@encova.com. Already have an account? Log in.

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.

Workplace injuries have many hidden costs.

Your insurance premium covers:

  • Medical payments
  • Lost wages

Indirect costs you pay:

  • Downtime
  • Hiring costs
  • Loss of production
  • Cost of temporary help
  • Training a substitute worker
  • Supervisor time to investigate
  • Damage to tools and equipment
  • Overtime to make up production
  • Failure to meet deadlines/fill orders
  • Poor efficiency due to break-up of crew

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

Sales Required to Cover Losses