Senior Risk Control Analyst

The above represents the full salary range for this job requisition. Ultimately, in determining your pay and job title, we'll consider your location, education, experience, and other job-related factors, and will fall within the stated range. Your recruiter can share more information about the specific salary range during the hiring process.

We will consider candidates who reside in any of our approved payroll states for this immediate opening. .

This role reports to the Assistant Vice President, Safety and Loss Control.

Are you a Referral?

If you know a current Encova Insurance associate and would like to apply as a referral, please encourage them to submit your referral information before you submit your application. You will receive an email with a direct URL link to the Job Posting of interest. Applying through this URL link will create your referral relationship for our Talent Acquisition Team.

Unique residence requirements are listed in each job posting, please review closely for details.

Encova is only able to employ associates who reside and work within specific U.S. states. Our current policies are based on the laws in states in which we are registered for payroll. Our current footprint includes:

Connecticut, Delaware, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, Missouri, Nebraska, New Hampshire, New Jersey, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, West Virginia, Wisconsin.

JOB OBJECTIVE:

The Senior Risk Control Analyst partners with underwriting to evaluate the quality of risk for new business and renewal accounts, primarily for small business. This role is responsible for reviewing third-party vendor reports, analyzing internal and external data sources, and providing actionable risk insights that support profitable underwriting decisions. The analyst plays a critical role in identifying loss exposures, validating risk characteristics, and recommending risk improvement strategies.

ESSENTIAL FUNCTIONS:  
1.    Review and interpret vendor inspection reports, loss control surveys, and third-party data (e.g., inspections, MVRs, property data, loss history).
2.    Assess risk quality and exposure characteristics for new and renewal commercial accounts across multiple lines (Workers’ Compensation, General Liability, Commercial Auto, Property).
3.    Provide risk evaluations and recommendations to underwriting, including: 
a.    Risk acceptability 
b.    Loss drivers and trends 
c.    Required controls or improvements 
4.    Identify discrepancies or gaps between underwriting submissions and vendor findings.
5.    Ensure quality and accuracy of risk surveys.
6.    Complete phone loss control surveys remotely.
7.    Analyze loss runs, claims trends, and predictive data to support risk selection and pricing decisions.
8.    Collaborate with Underwriters, Claims, and Agents to clarify risk characteristics and recommend mitigation strategies.
9.    Determine when additional inspections or follow-up actions by Safety and Loss Control Consultants are needed.
10.    Maintain documentation of risk assessments and decisions within internal systems.
11.    Support development and refinement of risk selection guidelines and best practices. 
12.    Monitor vendor performance and provide feedback on report quality and consistency.
 

OTHER FUNCTIONS:

1.    Nonessential function: other duties as assigned.

KNOWLEDGE, SKILLS AND ABILITIES:
•    A Bachelor’s degree from an accredited college or university is required.  Preferably in safety, industrial hygiene, engineering or related field.
•    Preference may be shown to applicants with a master’s degree in Safety or Industrial Hygiene from an accredited college or university.
•    Five years of full-time or equivalent part-time paid occupational safety management experience in industry or insurance preferred. This experience must be related to occupational safety or loss control prevention and can include industrial hygiene.
•    Certified Safety Professional (CSP), Certified Industrial Hygienist (CIH), and Certification as an Associate in Risk Management (ARM), Associated Safety Professional (ASP), Certified Fire Protection Specialist (CFPS) are desired.
•    Knowledge of the various core elements within the occupational safety and industrial hygiene process.
•    Knowledge of effective safety program management.
•    Knowledge of risk management as it relates to safety and industrial hygiene as an overall function of business in planning, leading, and directing its operations.
•    Knowledge of safety rules, regulations, and standards.
•    Knowledge of workers' compensation and property and casualty laws, policies and rules, and understanding of the principles of insurance and risk management.
•    Knowledge of the basics of guaranteed cost, deductibles, retrospective rating plans and the impact of accident prevention on each plan.
•    Knowledge of the rating systems, methods of calculating experience modification factors and the elements of each formula.
•    Knowledge of the U. S. Department of Labor Bureau of Labor Statistics loss information, formulas and principles of calculating incidence rates for employers.
•    Knowledge of basic business financial principles to analyze cost effectiveness and return on investment of recommended solutions to hazards and exposures.
•    Ability to make sound judgments and work independently; and to establish and maintain effective working relationships with other employers, policyholders, regulatory agencies, and labor communities.
•    Ability to operate a personal computer and to use spreadsheet, presentation, database manager, and word processing software.  
•    Ability to analyze basic claims data to determine accident trends and to develop programs to respond to adverse trends.
•    Ability to compile, analyze, and report on findings.
•    Ability to communicate effectively, both orally and in writing.
•    Strong time management and ability to handle multiple accounts.
•    Knowledge of Federal OSHA or MSHA standards. 
This position has been evaluated in accordance with the Americans with Disabilities Act.  Encova Insurance makes every effort to reasonably accommodate disabilities to permit performance of the essential functions and candidates who need such accommodation are encouraged to seek it.  This description reflects the nature and level of work performed by associates in this position.  It is not an all-inclusive inventory of duties, responsibilities and qualifications required.  It provides an accurate overview of the work and skills needed to perform this position.  Because job content may change from time to time, Encova Insurance reserves the right to add and/or delete functions from this job as it deems necessary for business reasons.

Ready to join our team?
At Encova Insurance, we firmly believe that our associates drive our company's success by delivering unrivaled service to our customers. With success in mind, we make an ongoing effort to provide an environment that offers challenging, stimulating, and financially rewarding opportunities. Join us to discover a work experience where you can learn and grow to your fullest potential.

What you can expect from us

In addition to a competitive compensation package, we offer a comprehensive benefits package designed to support the well-being and growth of our associates. Available benefits (subject to any policy or plan changes) include, but are not limited to:

• Health, Dental & Vision Insurance

• Company-provided life and income protection plans

• Eligibility to participate in a company incentive bonus program

• 401(k) Retirement Plan - 100% company match up to 7% on annual salary

• Paid Time Off, Paid Holidays, and Floating Holidays

• Flexible Work Arrangements - Hybrid and remote depending on the role

We believe that happy, healthy associates are the foundation of great work. Join us and thrive both professionally and personally.

Encova Insurance is an EOE/E-Verify employer.