Encova

The West Virginia Manufacturers Association, representing manufacturers in West Virginia since 1915, is pleased to announce a new Workers’ Compensation Discount Program.  We have teamed with Encova to offer manufacturers who have a good safety record, a discount on their workers’ compensation premiums.

Protecting Your Business. Rewarding Your Commitment to Safety.

West Virginia Manufacturers Association members are eligible for exclusive workers’ compensation discounts through Encova Insurance when they commit to safety best practices. Here’s how to participate:

How Does the Program Work?

1. Get Covered
   Encova provides your workers’ compensation coverage.
2. Confirm Membership
   Notify your Encova agent that you are a current WVMA member in good standing (dues paid).
3. Agent Notifies Underwriter
   Your agent will inform your Encova underwriter of your WVMA membership. Don’t forget to remind them!
4. Eligibility Review
   Your policy will be evaluated for program eligibility. Factors include:
   • Loss ratio of 65% or less
   • Implementation of safety protocols
   • Attendance at safety seminars
5. Receive Your Discount
   If eligible, you’ll receive the WVMA discount on your policy.
   Not eligible yet? You can work toward it by:
   • Implementing Encova’s 5-Step Loss Control Program
   • Reporting claims promptly
   • Creating a return-to-work policy
   • Building a culture of workplace safety

Note: The discount is calculated annually and is based on member participation and safety performance. More participants + fewer injuries = bigger savings.

Program Benefits

• Improved risk management
• A safer workplace
• Long-term cost savings
• Discount eligibility based on performance
• Resources to support your safety efforts