Control Insurance Cost

Proactive risk control means fewer claims and more competitive rates. Here’s how:

Business hero image showing professional in office setting

Assess Risk

Our AI assisted assessment uncovers risks and delivers an actionable plan in minutes

Build Safety Programs

Create risk control and safety programs with a few clicks

Train Your Team

With our built in training library you have everything you need to train your team

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

SmarterRisk Control & Safety

Assess Risk

Our AI assisted assessment uncovers risks and delivers an actionable plan in minutes

Build Safety Programs

Create risk control and safety programs with a few clicks

Train Your Team

With our built in training library you have everything you need to train your team

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

WE KNOW HOW TO STOP CLAIMS

The evidence is clear: businesses with structured safety programs have dramatically better outcomes. A major 2011 study by the Ohio Bureau of Workers’ Compensation found:

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

But most small business never implement these programs. WHY?

Traditional risk control and safety solutions are built for large enterprises—with consultants, audits, and long reports that take weeks or months (and cost thousands of dollars). That model doesn’t work for small businesses.

Smarter Risk helps every business achieve those outcomes—without the cost or complexity.

Construction worker in safety gear on site

SMARTER RISK CHANGES THE GAME

Smarter Risk gives every business the power of a full safety program—without the complexity, consultants, or cost:

Complete your risk assessment in 15 minutes

Improve your risk and track your progress

Generate safety policies

Download the training materials you need

All at one low annual price (free or at a discounted rate if your insurance partner provides access)

CLAIMS ARE THE PROBLEM.

Claims don’t just hit your wallet—they impact morale, productivity, and your insurance eligibility:

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.

A CHALLENGE WE UNDERSTAND

Worker wearing blue hardhat on construction site

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

Why Spend $10,000 When You Can Spend $500?

Construction worker wearing safety glasses

Traditional Safety Costs

Service	Typical Cost
Risk Assessment	$150 per location
Written Safety Program	$5,000 with consultant
Safety Training (per employee)	$250–$1,000 annually
Total	$10,000+

With Smarter Risk:

✅ AI Assisted Risk Assessment

✅ Safety Program Builder and Forms Library

✅ Full Training Library for Your Team

✅ Real-Time Risk Score & Updates

✅ Document Your Improvements to Qualify for Better Rates

Less than the cost of a single claim

Get Started for Free

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 our tools to quickly improve your risk, build your safety program, and train your team.

Share

Share your risk report with your insurance partners

Fast, Inexpensive, Convenient

Worker in orange safety vest on job site

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 simple web app. It identifies hazards and provides clear, actionable steps to mitigate or manage them.

Implement those recommendations to instantly improve your score and report. With one click, generate your professional Risk Report—formatted in a way underwriters recognize and trust.

Show insurance partners you’re actively managing risk—and deserve the best rates.

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

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How It Works

Step 1 Assessment

Quickly complete a self-assessment, get an instant risk score, and recommendations. If you have questions, get instant help from RISK-B(launching August 2025) our built-in AI safety expert.

Step 2 Instant Plan

Your Risk Improvement Plan is generated immediately, giving you a clear roadmap to reduce risk and prevent claims.

Step 3 Safety Program

Create professional-grade safety and risk control policies in seconds. Our Policy Builder references industry standards like OSHA, NFPA, ANSI, and ISO. These programs go beyond mere compliance—they’re designed to help you manage risk effectively.

Step 4 Track & Document

Check off completed tasks and upload photos to validate your improvements. Your risk report and score improve in real time, instantly documenting progress.

Step 5 Train

Our Training Library provides editable, ready-to-use PowerPoint safety trainings. Get your team trained quickly.

Step 6 Share

Export a standardized Risk Report including your risk score, completed actions, and photo documentation. Perfect for showing agents or carriers that you're actively managing risk.

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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Businesses

Get Started Book Demo

Has your insurance partner signed you up?
If so please wait for an email invitation which will include your partner's name and your policy number.
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