Better Safety. More Competitive Workers Comp Rates. Workplace Safety and Training Platform Built for Small Business and Their Insurance Partners
SmarterRisk delivers a digital safety & risk assessment, safety program builder, and online training — the complete solution.
You Need Safety & Risk Control
A strong safety program prevents injuries — and that matters enormously. But safety is just one factor. Insurers look at a broader metric: documented hazards and controls, policy gaps, training records, and other factors that shape your risk profile — and ultimately what you pay.
This is the 10,000-foot view of everything insurers weigh when pricing your policy. For decades, the tools to build and prove it have been locked behind expensive consultants and enterprise EHS teams. That combined view is called risk control — and it's been out of reach for small business.
SmarterRisk puts risk control in your hands. Everything you need, all in one place: a safety / risk assessment, a safety program builder, and a full online safety training platform.
A Full Assessment
Know exactly what your business is exposed to — from safety hazards, to risk management controls, to policy and training gaps. No long consulting engagement — in 15 minutes, get the answers you need, fast, so you know exactly what to fix in your business.
A Safety Program Builder
Generate OSHA, NFPA, and ANSI-aligned policies in a few clicks. No $10,000 consultant. No months of drafting. Professional-grade programs, ready to implement.
Built-In Training
Turn those policies into practice. 50+ included courses, unlimited seats, full LMS — assign, track, and document training for your whole team.
Everything small businesses need to prevent injuries and earn better insurance rates — trusted by insurance carriers and agents to extend risk control to their policyholders.
Why Using a Typical Safety or EHS App Doesn't Work for Small Business
Most safety platforms stop at safety tools. Checklists, inspection forms, incident logs — useful, but limited. They don't help you shape the broader risk profile insurers actually price on.
SmarterRisk created a combined Digital Safety and Risk Control Platform — a modern, tech-driven approach that turns compliance into a system for coordinating all your safety improvements into a trackable, measurable output that directly impacts your risk profile.
The SmarterRisk Solution
SmarterRisk connects safety / risk assessment, program building, and training into one continuous workflow. Instead of a consultant showing up once every few years, your business stays on track — making improvements, documenting them, and sharing verified results with your insurance partners.
Everything You Need in One Platform
AI-Guided Assessment
Complete a full safety & risk assessment in just 15 minutes. Our AI expert RISK-B guides you through every question, ensuring accurate, actionable results tailored to your operations.
Continuous Progress Tracking
Complete a recommendation or upload a photo? Your safety score updates automatically. Progress isn't a mystery — it's documented and measurable.
Safety Program Builder & 50+ Course Training Library
Build OSHA-aligned safety programs in a few clicks. Assign training with our built-in Training Director LMS — 50+ courses covering everything from confined space to fire extinguisher safety, included at no extra cost.
150+ Safety Forms Library
Stop searching the web for the right form. SmarterRisk includes over 150 ready-to-use safety and compliance forms.
Proven Results
A 2011 Ohio Bureau of Workers' Compensation study found that businesses with structured safety programs saw dramatic improvements:
SmarterRisk helps small businesses replicate these outcomes — quickly and affordably.
Built for Industries With Real Safety Risk
SmarterRisk is designed for the kinds of small businesses where workplace injuries are most costly — and most preventable:
If your team works with tools, machines, hazardous materials, or in physically demanding conditions — SmarterRisk was built for you.
How It Works
Assess
Start with a digital safety / risk assessment. In 15 minutes, SmarterRisk identifies exactly what's exposing your business — and builds your action plan.
Improve
Close the gaps. Build safety programs, assign training to your team, and document controls with photo verification — your safety score updates in real time.
Share
Share verified improvements with your insurance partners. Documented, measurable risk profile improvements — the very thing insurance companies look at when determining rates.
Systemize safety so it works for you.
What Our Users Say
Learn how companies use SmarterRisk to build safer workplaces.
"SmarterRisk 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 SmarterRisk, 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
"Using SmarterRisk transformed how I see my business and its potential risks. The app guided me through the safety assessment process, providing valuable insights into key improvements I could make. SmarterRisk is an indispensable tool for any business looking to improve safety and qualify for better insurance rates."
— Randy Claybrook, Owner of Bent Creek Lodge, Asheville, NC
Who We Serve
Frequently Asked Questions
1. What is SmarterRisk?
SmarterRisk is workplace safety software that helps small businesses build safety programs, train employees, and document improvements — all in one platform. By turning workplace safety into an ongoing process instead of a one-time event, SmarterRisk reduces injuries, improves OSHA compliance, and helps lower workers' comp costs. Built specifically for small businesses in hands-on industries — contractors, shops, warehouses, manufacturing, restaurants, and hotels.
2. How long does it take to complete a safety assessment?
Our AI-assisted assessment takes just 15 minutes — not hours — to complete for your entire organization. The moment you finish, your custom risk improvement plan is generated instantly, showing you exactly what to focus on to improve workplace safety. You only need one assessment per organization. If you have multiple locations, you can create an assessment for each one, up to 10 on a single account.
3. Can I try SmarterRisk before committing?
Absolutely. Your safety assessment (single location) is free — a $150 value. See where your business stands, get a personalized risk improvement plan, and start building a safer workplace today. Get started now with no credit card required.
4. Are safety training materials included?
Yes. Our Intelligent Plan includes full access to Training Director, our complete Learning Management System with 50+ safety courses. Assign training, track completion, test knowledge, and generate compliance reports — all with unlimited seats at no additional cost. No per-user fees, no surprise charges — just complete training management for your entire team.
5. Will using SmarterRisk help lower my insurance premiums?
While we can't guarantee premium reductions, SmarterRisk helps you build, document, and maintain safety programs that insurers recognize — improving your overall risk profile and supporting better rates. Studies show that written safety programs reduce claims by 52%, lower claim costs by 80%, and decrease lost-time days by 87%. Want to estimate the potential savings? Try our Safety ROI Calculator to see the real financial impact of implementing effective safety programs.
6. Do I need safety experience to use SmarterRisk?
No safety expertise required. Our platform is designed for business owners and managers, not safety professionals. RISK-B, our built-in AI assistant, guides you through every step and can answer any questions about workplace safety. Safety programs are automatically formatted to meet OSHA, NFPA, and ANSI standards — professional-grade results without the expertise.
7. Can I share my assessment results with my insurance agent or carrier?
Yes! You can generate and share a comprehensive risk report with your insurance partners. Many agents and carriers use these reports for underwriting, renewal discussions, and proving your commitment to workplace safety — which can lead to better rates and terms.
8. What if I need help or have questions?
RISK-B, our built-in AI assistant, is available 24/7 to answer questions about workplace safety or using the platform. Our AI assistant provides instant, expert guidance whenever you need it.
9. Does SmarterRisk integrate with other systems?
SmarterRisk is 100% cloud-based and doesn't require integration with payroll, HR, or other software. This means you can start using it immediately without IT involvement. Everything you need — assessments, safety programs, training, and reporting — is in one simple platform.
Get in Touch
Have questions? Contact us below or fill out the form and we'll get back to you as soon as possible.
