Smarter Risk makes workers compensation and commercial insurance risk assessments fast and inexpensive.

SmarterRisk Control & Safety

Value Innovation

Fast, affordable and convenient risk assessments at 80% less cost

Easy Program Implementation

Create risk control and safety programs with a few clicks

Stop Claims Before They Happen

Proactive risk control means fewer claims and qualifying for more competitive rates.

We empower businesses to quickly assess and improve their insurable risk.

SmarterRisk Control & Safety

Value Innovation

Fast, affordable and convenient risk assessments at 80% less cost

Easy Program Implementation

Create risk control and safety programs with a few clicks

Stop Claims Before They Happen

Proactive risk control means fewer claims and qualifying for more competitive rates.

We empower businesses to quickly assess and improve their insurable risk.

WHY YOUR BUSINESS NEEDS A RISK ASSESSMENT

A risk assessment identifies hazards, recommends improvements, and delivers a straightforward, actionable strategy for risk reduction. By acting preemptively, you not only protect your business but also position yourself to qualify for the most competitive insurance rates available.

In the past, traditional risk assessments were not only a massive headache but were expensive and time-consuming. This reality put them out of reach for most small businesses. Smarter Risk's technology changes all of that. With our app, you can assess risks, act on recommendations, and get results without the headaches, expense, and time commitment. Take control of your risks and insurance costs today.

CLAIMS ARE THE PROBLEM.

Workers' compensation claims aren't just costly—they can threaten your small business's financial stability. Even a single claim can trigger a significant increase in insurance premiums, raising your experience modifier and driving up workers' compensation rates for years. Worse yet, uninsured costs—those expenses your insurance doesn't cover—can, by some estimates, be twice as much as the insured costs!

Claims Affect Employees

Claims directly impact the well being of your employees and the morale of your team.

Claims increase your premiums

Claims have a direct impact on how much you pay for insurance.

Claims Limit Your Choices

Claims mean fewer insurance companies are willing to cover your business or even provide you with a quote.

WE KNOW HOW TO STOP CLAIMS

Risk control is key to reducing claims, but the demands of traditional risk control on time, money, and resources have long made it inaccessible to many small businesses.

Smarter Risk solves this problem. Our tech-enabled self-assessments streamline the risk control process, automating tasks and reducing costs, making it accessible for businesses of all sizes.

We didn’t stop at an assessment, Smarter Risk provides digital tools that help businesses implement safety and risk control programs with a few clicks. This proactive approach minimizes risk, prevents claims, and unlocks lasting insurance savings.

A CHALLENGE WE UNDERSTAND

Traditional risk control and safety consulting doesn't work for most small businesses:

Requires a professional with specialized training

Requires you to spend hours with a consultant

Risk control and safety services are expensive

Requires a professional with specialized training

Requires you to spend hours with a consultant

Risk control and safety services are expensive

A Solution That Works For Small Business

Our web-app works on any device. No download required.

Risk Control 2.0

Simplified Risk Control and Safety:

Assess

Complete an assessment in minutes and know exactly how to improve your risk.

Improve

Use the policy builder and forms library to complete recommendations quickly

Share

Share your risk report with your insurance partners

Fast, Inexpensive, Convenient

THE ROI OF SAFETY

Investing in safety and risk management programs has a proven ROI. OSHA estimates employers save $4 to $6 for every dollar spent on safety. Safety programs also boost employee morale and productivity, improving your bottom line.

Case study: Tool and Equipment Company

A tool and equipment company transformed their organization by completing a comprehensive risk assessment and building safety and risk control programs to manage and mitigate identified risks. In just 15 months, they reduced workplace accidents by 80%, saving $250,000 in workers' compensation costs. This success story highlights the tangible benefits of implementing a robust safety and risk control program.

THE IMPORTANCE OF

A RISK REPORT

Before applying for insurance or renewing your policy, complete a free risk assessment with our user-friendly web-app. It's designed to uncover potential hazards and provide you with actionable recommendations. By implementing these recommendations, you can instantly improve your report and score. It's never been easier to turn your business into a smarter risk.

Complete your recommendations, generate a Risk Report, and share it with your agent. The report clearly outlines your risk control and safety measures in a format underwriters know and understand.

*Our web-app works on any device. No download required.

How It Works

Step 1 Assessment

We make it easy. In just 15 minutes, evaluate your company's risk, get a customized score, and receive actionable recommendations-no hassle, no confusion.

Step 2 Plan

Our app creates a tailored risk improvement plan, showing you exactly what steps to take to improve your risk.

Step 3 Policy Building

Policy writing made simple. Say goodbye to endless meetings and months of back-and-forth. The Self-Assessment tool identifies the policies you need, and the Smarter Risk Manager generates them with a few clicks.

Step 4 Implement

No more scouring the web for safety forms. With over 150 expert-approved forms in our library, you'll have everything you need to launch your program quickly and confidently.

Step 5 Track Progress

Keep the momentum going. As you complete recommendations, your risk score updates instantly letting you see improvements in real-time.

Step 6 Share Report

Show off your proactive efforts. Generate a detailed report, share it with your agent for more accurate quotes, and send it to your carrier to secure the best rates.

HOW DO I GET STARTED?

Our web-app works on any device. No download required. Click the get started button to get going! Complete the short form and you will receive a welcome email with a verification link and instantly start your assessment. Would you like more information? Sign up for a demo and get all your questions answered.

If your insurance partner is providing you with the Smarter Risk platform you will receive a welcome email from Smarter Risk referencing your Partner and your policy number. Please wait for that email and use the link provided.

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