Senior Risk Control Analyst

Encova Insurance

19h • Remote

About The Position

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.

Requirements

• A Bachelor’s degree from an accredited college or university is required.
• Ability to make sound judgments and work independently.
• Ability 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.

Nice To Haves

• Bachelor’s degree 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.
• Knowledge of Federal OSHA or MSHA standards.

Responsibilities

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

Benefits

• Competitive compensation package
• Comprehensive benefits package designed to support the well-being and growth of our associates
• 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

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Number of Employees: 251-500 employees