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
Encova’s current public-facing guidance remains producer-oriented but mostly high level. Verified official materials show a broad commercial, workers’ compensation and personal lines platform, with commercial operations distributed through independent agents and the Encova Edge portal. For commercial package business, Encova positions itself for more complex accounts that do not fit a standard BOP and states it will tailor liability, property and commercial auto within a package; EPLI is specifically highlighted as an available add-on. Public small-business marketing indicates appetite support for BOP/small commercial accounts and references dedicated small-business appetite tools in Encova Edge. Producer communications also confirm target-market flyers for manufacturing, construction, service, and retail/wholesale, plus a BOP-vs-CPP decision matrix and minimum payroll guides available inside Encova Edge, but those detailed guides were not publicly accessible/verified. Workers’ compensation remains a core focus; Encova states it actively writes workers’ compensation in its active states and can provide national coverage solutions, while emphasizing its 360° Impact services and return-to-work orientation. Commercial umbrella is offered as excess protection over underlying business coverages, and an Encova Insurance Agency umbrella submission checklist requires ACORD 125 with operations description, GL application/premium, commercial umbrella application, applicable supplements, product liability supplement for manufacturers, at least 3 years of loss runs (5 preferred), underlying quote/policy details with limits/forms, premium indication, and commercial auto applications including driver and vehicle size breakdowns. Geographic notes: Encova’s public site says it operates across 27 states plus Washington, D.C. Strategic Accounts public footprint guidance says commercial writings are limited to states where approved filings exist and shows a mixed footprint by line: many Midwest/East states support all commercial lines, some states are workers’ compensation-only, Ohio is shown as commercial excluding workers’ compensation, and many western/southern states are outside the footprint; the flyer says the footprint adjusts over time. Submission/process notes: if an account qualifies for Strategic Accounts, electronic submissions should go directly to strategic.accounts@encova.com for prompt underwriter acknowledgment; producer servicing materials direct endorsements and many service requests through Encova Edge, with large commercial endorsement requests to revisions@encova.com and broker-of-record requests to agencyservices@encova.com or the policy underwriter depending on line/process. Notable restrictions/declines: no public official source located with a comprehensive declined-classes list, hazard-class blacklist, or detailed occupancy prohibitions. The absence of a verified public appetite/declination guide means final class acceptability, state availability, and line combinations should be confirmed through Encova Edge or the assigned underwriter before submission.