Motorists Insurance Group (aka Encova Insurance)
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Brand/structure: - Motorists Insurance Group and BrickStreet now operate as Encova Insurance; Motorists is used primarily as a legacy brand. Encova writes commercial, workers compensation and personal lines across a multi‑state footprint in the U.S.([iamagazine.com](https://www.iamagazine.com/news/motorists-and-brickstreet-launch-encova-brand/?utm_source=openai)) Geography: - Workers compensation: actively written in a defined group of states with capability to provide national coverage solutions (multi‑state programs, wrap‑around). Specific state list and filing status must be confirmed in Encova Edge or with underwriting.([encova.com](https://www.encova.com/products/cl-products/workers-compensation2/?utm_source=openai)) - Commercial package/other commercial lines: limited to states where Encova has approved and accepted commercial filings. Strategic accounts material notes that appetite is constrained to filing states; confirm eligibility per state before marketing.([encova.com](https://www.encova.com/globalassets/062022-issue/cl-501-fr-05-22-strategic-accounts-flyer.pdf?utm_source=openai)) Commercial lines & workers compensation – appetite and submission: - Integrated profit center: as of Sept. 1, commercial package and workers comp are managed as a single Commercial Lines profit center with a Small Business team and a Large Accounts team in each region; a separate Energy team writes monoline WC for mining, oil and gas. Use the MY TEAM section in Encova Edge to confirm assigned underwriter and service contacts.([encova.com](https://www.encova.com/the-loop/2023/09/commercial-lines-submission-flow-changes-and-service-team-updates/?utm_source=openai)) - Premium routing rules (critical operational guidance): - Commercial package and workers compensation submissions with **annual premium ≤ $35,000**: must be submitted through **Encova Edge** (straight‑through or underwriter‑assisted).([encova.com](https://www.encova.com/the-loop/2023/09/commercial-lines-submission-flow-changes-and-service-team-updates/?utm_source=openai)) - Submissions with premium **≥ $35,001**: may be submitted through Encova Edge, emailed to **policyintake@encova.com**, or routed directly to the assigned underwriter per MY TEAM.([encova.com](https://www.encova.com/the-loop/2023/09/commercial-lines-submission-flow-changes-and-service-team-updates/?utm_source=openai)) - Legacy submission email addresses **smallbusiness@encova.com** and **midmarket@encova.com** are **discontinued** and must no longer be used.([encova.com](https://www.encova.com/the-loop/2023/09/commercial-lines-submission-flow-changes-and-service-team-updates/?utm_source=openai)) - Small business segment: - Encova positions itself as an industry‑leading WC and commercial small business writer and references a "small business appetite guide" and a Small Business Service Center for agency support (available via agent resources and Encova Edge). Appetite details, preferred classes and class restrictions are delivered inside Encova Edge and the small business appetite guide rather than on the public site.([encova.com](https://www.encova.com/link/7e756491a25a423eb7f087f18bbab85e.aspx?utm_source=openai)) - Small business examples in marketing include main‑street and light commercial accounts (such as grocery and health/natural food stores and other similar small retail/service operations); check the appetite guide in Encova Edge for class‑by‑class eligibility.([encova.com](https://www.encova.com/link/7e756491a25a423eb7f087f18bbab85e.aspx?utm_source=openai)) - Strategic / large commercial accounts: - Encova maintains a Strategic Accounts capability for larger commercial risks, but it is limited to states with approved Encova commercial filings. Dedicated underwriting contacts are identified in marketing pieces; large accounts must generally be coordinated through the regional vice president/strategic accounts underwriter noted in those materials.([encova.com](https://www.encova.com/globalassets/062022-issue/cl-501-fr-05-22-strategic-accounts-flyer.pdf?utm_source=openai)) - Operational expectations for agents: - Agents are expected to use **Encova Edge** as the primary platform for quoting, binding, issuing and servicing both commercial and workers compensation business, especially small business and personal lines. Encova emphasizes straight‑through processing, use of portal workflows and real‑time policy changes.([encova.com](https://www.encova.com/the-loop/2021/06/become-a-commercial-lines-expert-with-encova-edge/?utm_source=openai)) - Underwriting forms, eligibility details, class‑specific appetite notes and coverage summaries are provided inside Encova Edge; agents should be trained on portal usage and can request training via the agency manager or Encova field sales/operations contact.([encova.com](https://www.encova.com/the-loop/2021/06/become-a-commercial-lines-expert-with-encova-edge/?utm_source=openai)) Workers compensation – focus and preferred business: - Encova markets itself as a workers compensation specialist with strong small‑business penetration and robust risk‑control/claims capabilities. - Highlights include reduced lost‑time frequency, fast claim closure metrics and lower pharmacy/opioid costs vs. industry; these support appetite for accounts engaged in active safety management and willing to use Encova’s loss‑control resources.([encova.com](https://www.encova.com/products/cl-products/workers-compensation2/?utm_source=openai)) - Encova 360° Impact is the branded WC approach focusing on individualized solutions, prevention and claim mitigation; target accounts are employers open to safety consultation, training and return‑to‑work planning.([encova.com](https://www.encova.com/products/cl-products/workers-compensation2/?utm_source=openai)) - Small WC business: - Encova promotes quoting small WC in 60 seconds via Encova Edge and reports writing ~30% of all submitted small WC business, emphasizing broad appetite and competitive pricing. This implies strong appetite for well‑managed, low‑to‑moderate hazard small commercial classes.([encova.com](https://www.encova.com/the-loop/2021/01/new-video-quote-workers-compensation-small-business-in-60-seconds/?utm_source=openai)) - Energy WC: - A dedicated Energy team provides monoline workers compensation for mining, oil and gas risks, separate from standard commercial lines teams. These accounts should be submitted to the Energy team contact noted in internal materials; outside small, main‑street energy operations, risks will generally be handled as specialty WC rather than standard package.([encova.com](https://www.encova.com/the-loop/2023/09/commercial-lines-submission-flow-changes-and-service-team-updates/?utm_source=openai)) Commercial package / property / umbrella: - Commercial package: - Encova offers a commercial package solution for accounts that outgrow a standard BOP or have non‑standard liability/property needs. Marketing language stresses tailoring coverage around unique liabilities, suggesting appetite for more customized but still admitted‑market middle‑market accounts rather than highly distressed or E&S‑type risks.([encova.com](https://www.encova.com/products/cl-products/commercial-package/?utm_source=openai)) - Preferred profile (inferred from small business and portal emphasis): established businesses in approved states, with stable operations, acceptable loss history and willingness to package property, general liability and WC when feasible; use Encova Edge for eligibility prompts and required supplemental applications. - Umbrella / excess: - Commercial umbrella is available to extend limits above underlying Encova commercial auto, GL and employers liability where accounts meet Encova’s internal eligibility (underlying limit, class and loss‑history standards). Detailed class restrictions and limit/attachment guidance are maintained within Encova Edge and are not fully exposed on the public site; treat high‑hazard operations, large fleets, and heavy products exposures as subject to referral. Personal lines – home, auto, umbrella & watercraft: - Product set: - Encova offers Exceed Auto, Exceed Homeowners, Exceed Dwelling and Exceed Umbrella products as its core personal lines program, along with other personal lines such as boat and watercraft (via agents).([encova.com](https://www.encova.com/?utm_source=openai)) - Personal umbrella eligibility (explicit public guidance): - Requires **underlying Encova auto and home policies** (or an Encova named non‑owned auto policy if the insured has no private passenger auto).([encova.com](https://www.encova.com/the-loop/2023/06/help-policyholders-understand-umbrella-policy-protection/?utm_source=openai)) - Minimum underlying limits: - Auto bodily injury: at least **$250,000 / $500,000** (or **$300,000 CSL**). - Home liability: minimum **$300,000** limit.([encova.com](https://www.encova.com/the-loop/2023/06/help-policyholders-understand-umbrella-policy-protection/?utm_source=openai)) - If the insured has only a commercial auto with Encova but wants personal umbrella, Encova instructs agents to offer a **named non‑owned policy** to satisfy underlying auto requirements.([encova.com](https://www.encova.com/the-loop/2023/06/help-policyholders-understand-umbrella-policy-protection/?utm_source=openai)) - Producer guidance on personal umbrella: - Agents are encouraged to offer umbrella when customers insure their primary home, auto and other key personal exposures with Encova and hold higher financial assets, subject to eligibility rules housed in Encova Edge.([encova.com](https://www.encova.com/the-loop/2023/06/help-policyholders-understand-umbrella-policy-protection/?utm_source=openai)) Agent/broker expectations and notes: - Encova relies heavily on independent agents and expects them to: - Use Encova Edge for most quoting and servicing activities across personal, commercial and WC lines. - Adhere to the premium‑based submission routing and use **policyintake@encova.com** or direct underwriter contact only where indicated. - Consult Encova Edge resources (appetite guides, eligibility checklists, coverage summaries) rather than sending incomplete or exploratory submissions; formal appetite guides and detailed underwriting rules are kept behind the portal login and updated there. - Appointment and growth: - Encova is actively appointing for all lines, varying by state, and references strong support for small commercial and personal lines growth; agencies seeking appointment must complete an online interest form and will be vetted by Agency Operations.([encova.com](https://www.encova.com/link/7e756491a25a423eb7f087f18bbab85e.aspx?utm_source=openai)) Restricted/declined business (operational stance from public info): - Encova does not publish a full public decline list. However, based on available guidance and structure, the following should be assumed **restricted or referral‑only** until confirmed in Encova Edge: - Commercial or WC business outside Encova’s approved filing states. - High‑hazard or specialty classes that fall outside the small business appetite guide or Strategic Accounts focus (e.g., complex manufacturing with heavy products liability, large contracting with significant height/depth exposures, or risks typically placed in E&S markets). - Personal umbrella without Encova underlying auto/home or without required minimum limits. Summary for front‑line underwriting/marketing use: - Treat Encova as a regional multi‑line carrier with strong workers compensation and small commercial appetite, packaged with competitive personal lines and umbrella where Encova holds underlying. All detailed eligibility, class lists and rate/limit rules are controlled inside Encova Edge and the internal small business appetite guide. - For day‑to‑day operations, follow the Sept. 2023 submission flow rules, default to Encova Edge for small and mid‑sized accounts, and escalate larger or complex risks through policyintake@encova.com or the assigned underwriter and regional leadership as shown in the MY TEAM section of Encova Edge.