Scalable risk control for your entire book — AI-assisted self-assessments, automated safety programs, free policyholder training, and validated risk data at 80% lower cost.
Policyholders complete assessments independently. RISK-B ensures accuracy with instant guidance — they can upload photos and ask “do I need a guard for this?”
Professional programs aligned with OSHA, NFPA, UL, FM, ANSI, and ISO — generated in a few clicks, with no consultant fees or delays.
A full LMS with 50+ safety courses — assign training, track completion, and generate compliance reports, with unlimited seats.
Policyholders upload photos to confirm responses and verify completed recommendations — real-time validation for pre-bind and pre-renewal decisions.
Consultants are stretched too thin to support every policyholder, so assessments are rare. That leaves you exposed to premium leakage and missed chances to prevent claims. SmarterRisk makes risk control scalable and proactive — at 80% lower cost and 90% faster.
Consultant-driven assessments are too rare — causing premium leakage and missing the chance to mitigate risks before they become claims.
After an assessment, policyholders rarely get the support to build effective safety programs — even though structured programs cut claims.
Small businesses face expensive training or none at all — creating critical gaps in safety practices across your book.
Receive risk assessments in minutes through our app.
View and organize risk from a single dashboard — dynamic reports, risk-control scores, and recommendations in one place.
Know instantly which recommendations each policyholder has completed, and when.
Give policyholders the tools to implement safety programs and train their teams — fast.
“By adding SmarterRisk, we can now give policyholders enhanced on-demand tools to protect their business.”
A 2011 Ohio Bureau of Workers’ Compensation study found businesses with structured safety programs had:
SmarterRisk helps your policyholders replicate these outcomes — quickly, affordably, and at scale.
Order exactly what each client’s book needs — one line or all five, combined into a single assessment.
Fast, cost-effective self-assessments collect essential information pre-bind and pre-renewal — improving accuracy and outcomes.
Cut deployment costs, reduce claims, and lower your loss ratio. Pinpoint risks so businesses can act before losses occur.
Free your consultants to focus their expertise on high-risk accounts and strategic interventions. Do more with less.
Up and running in 15 minutes. Choose the point in the policy lifecycle that fits your workflow.
Equip underwriting with the information to price risk correctly before binding — and improve completion rates.
Get assessments completed sooner to cut the time you’re exposed during the cancellation period — typically 30 days.
Reassess risk more frequently to enable premium adjustments and risk reduction. We recommend at least bi-annually.
Move beyond static reporting. Real-time updates give a dynamic, comprehensive view of insured risk for better decisions.
Realize the untapped potential of the small commercial market. Minimize risk and offer more competitive quotes.
Frequent self-assessments identify and price potential risks — reducing premium leakage and increasing profitability.
The app boosts insureds’ active participation in risk control — a dynamic partnership that promotes safer businesses.
Start seeing benefits in 15 minutes. Our cloud platform is built for swift integration and ease of use.
Photo validation and a required Fraud & Accuracy Policy keep the data you underwrite on honest.
Submit risk assessment orders straight from your platform — no manual entry, no switching systems. A single integration connects your workflows to SmarterRisk.
Your client receives an invitation, completes their assessment, and results appear in your Partner Dashboard automatically.
POST /api/v1/order-intake
{
"clientEmail": "jane@acme.com",
"businessName": "Acme Corp",
"lines": ["WC", "GL", "PR"],
"policyNumber": "POL-12345"
}Order submitted. Client invited. Results in your dashboard.
If the five standard lines don’t quite fit your book, we’ll build a custom assessment specifically for your policyholders. Schedule a time and let’s talk details.
It lets policyholders self-assess risk, auto-generates custom safety programs, and gives you actionable data to underwrite, monitor, and improve risk quality across your book — turning risk control from a manual, reactive process into a scalable digital system.
It amplifies your team rather than replacing it. Self-assessments handle the volume; armed with a completed risk report, your consultants’ interactions become high-value, low-time consultations focused on complexity.
They’re AI-assisted with photo validation to verify on-site conditions, and every user agrees to our Fraud & Accuracy Policy. RISK-B provides instant guidance — users can upload photos and ask “do I need a guard for this?”
Yes — it was built to scale risk control across thousands of insureds at a fraction of traditional cost. Whether you manage hundreds or tens of thousands of accounts, it automates assessments, reporting, and tracking without additional staff.
15 minutes or less. Risk Improvement Plans generate instantly, and professional safety programs are created in a few clicks — no consultant delays.
Roughly 80% lower cost and 90% faster turnaround than field-based methods, so you can extend risk control to your entire book. The 2011 Ohio BWC study showed 52% fewer claims, 80% lower claim costs, and 87% fewer lost-time days.
AI-assisted assessments (up to 10 locations), real-time risk score with photo validation, a Safety Program Builder (OSHA/NFPA/ANSI/ISO), a forms library, full Training Director with 50+ courses, professional Risk Reports, and RISK-B AI assistance.
Commercial lines for small to mid-sized businesses in manual-labor industries: Workers’ Compensation, Property, General Liability, Fleet (non-DOT), and Contractors Liability — contractors, manufacturing, warehousing, hospitality, restaurants, and hotels.
Pre-bind — collect information before binding to price risk and improve completion. Post-bind — complete assessments quickly to reduce cancellation-period exposure. Pre-renewal — reassess annually to prevent premium leakage. All integrate with your underwriting workflow.
You get dashboard access to all assessments, risk scores, Risk Reports, and completed recommendations in real time — track improvements and export reports for underwriting or renewal reviews.
Reduced loss ratios from proactive claim prevention, 80% lower risk-control costs, improved underwriting accuracy with validated data, higher retention, and a competitive edge from modern digital tools.
Schedule a demo to see the platform and discuss implementation. We typically launch within 30 days and train your underwriting and risk-control teams for smooth adoption.
Scale loss control across your entire book — at 80% lower cost and 90% faster than traditional methods. See it in a 15-minute demo.