Risk Management Software for Small Business and Their Insurance Partners

Smarter Risk simplifies assessments, safety programs, and training in one easy-to-use platform.

Smarter Risk mobile app on iPhone and tablet

Smarter Assessment

AI-assisted risk control assessments completed in minutes, not hours. RISK-B, our built-in AI risk expert, ensures assessments are easy, accurate, and fast.

Instant Safety & Risk Control Programs

Create OSHA, NFPA, ANSI and ISO-aligned safety programs in just a few clicks. Professional-grade and proven to reduce claims—no expertise required.

Free Training Included

No more choosing between costly training or nothing. Smarter Risk gives you instant access to a full training library —free with the Intelligent Plan.

CLAIMS ARE THE PROBLEM.

Claims significantly impact small businesses, insurance carriers, and agencies by driving up rates, limiting options, increasing workloads, and reducing profitability. In manual labor industries, proactive risk management is absolutely essential, especially for:

Shops
Warehouses
Light Manufacturing

Contractors
Restaurants
Hotels

Proven results

Safety programs dramatically reduce claim frequency and severity. A 2011 Ohio Bureau of Workers' Compensation study found written programs led to:

52% fewer claims
80% lower claim costs
87% fewer lost-time days

The Smarter Risk Solution:

Proven risk management software for small business and their insurance partners. Trusted by thousands of businesses. We provide risk improvement solutions for workers' compensation, property, liability, fleet, and contractors liability risk.

Rapid Risk Improvement

The Easy Way

Assess and improve risk in minutes using our app. No more time-consuming assessments. Build safety and risk control policies with a few clicks.

Simplified Risk Management

Info at Your Fingertips

Businesses can see everything from their dashboard—including risk control score, report, and risk improvement plan.

Visibility & Efficiency

Stay Organized

Keep up to date with risk improvements. Know which recommendations have been completed and when. Validate hazards and controls with photo verification.

Track Improvements

Track Progress

As recommendations are completed, the score and report are updated instantly!

WHAT OUR USERS SAY

Learn how companies use Smarter Risk to change the way they reduce risk.

Scott Damer

COO The Beamery LLC

Helmsburg, IN

"Smarter Risk is an exceptional tool that has rapidly enhanced our risk management and safety capabilities. Without it, manual improvements would have been nearly impossible. Thanks to Smarter Risk, we not only knew exactly what to do but excelled when our insurance company conducted their risk assessment. We passed with flying colors."

—Scott Damer, COO, The Beamery LLC, Helmsburg, IN

Randy Claybrook

Owner of Bent Creek Lodge

Asheville, NC

"Using Smarter Risk transformed how I see my business and its potential risks. The app guided me through the risk assessment process, providing valuable insights into key improvements I could make. Smarter Risk is an indispensable tool for any business looking to optimize risk management, improve safety, and qualify for better insurance rates."

—Randy Claybrook, Owner of Bent Creek Lodge, Asheville, NC