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
Checkmark iconSmarter 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.


Checkmark iconInstant 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.


Checkmark iconFree 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.


Smarter Risk platform on mobile devices



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
Workers discussing safety



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

1
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

2
Info at Your Fingertips

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

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Visibility & Efficiency

3
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

4
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.

Beamery logo

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

Bent Creek logo

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

Business owners reviewing risk management plans

Businesses

Our app enables businesses to prioritize safety and manage their risks.

Explore Business Safety & Risk Management Solutions

Insurance professionals using digital tools

Insurers

For insurers, our app streamlines risk control making it faster and less expensive to underwrite small commercial accounts.

Discover Digital Risk Control

Insurance agency team collaborating

Agencies

Partnering with Smarter Risk, agencies can offer a complete risk management solution that is also cost-effective.

Digital Risk Control for Agencies

Why Businesses and Insurance Partners Choose Smarter Risk:

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Accessible: AI-guided risk assessments require no safety expertise.

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Efficient: Build safety programs in a few clicks.

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Affordable: Up to 80% less than traditional methods.

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Proven: Results backed by third party research & real-world use.



Frequently Asked Questions

1. What is Smarter Risk?

Smarter Risk is a modern risk management platform that helps small businesses, insurance carriers, and agencies assess, improve, and document safety programs. By digitizing the risk control process, it reduces claims, improves safety performance, and helps lower insurance costs. Unlike complex enterprise systems or basic checklist apps, Smarter Risk was built specifically for small businesses in manual labor industries—contractors, shops, warehouses, manufacturing, restaurants, and hotels.

2. How long does it take to complete a risk 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 reduce risk and improve insurability. You only need one assessment per organization—no multiple assessments or complex setup required. If you have multiple locations you can create an assessment for each one up to 10 on a single account.

3. Can I try Smarter Risk before committing?

Absolutely. Your first risk assessment is free and includes your personalized Risk Improvement Plan (a $150 value). We always recommend trying before you buy so you can see firsthand how easy it is to improve your company's safety and risk profile. Get started now with no credit card required.

4. Are safety training materials included?

Yes. Our Intelligent Plan includes full access to the Smarter Risk Training Library, which provides professional safety training courses you can assign to your team at no additional cost. No per-user fees, no surprise charges—just unlimited access to OSHA-compliant training covering safety procedures, equipment operation, and workplace hazards.

5. Will using Smarter Risk help lower my insurance premiums?

While we can't guarantee premium reductions, Smarter Risk helps you build, document, and maintain safety and risk control 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. How much does Smarter Risk cost?

Smarter Risk costs $500 per year—far less than a single workers' compensation claim or traditional safety consultant. There are no hidden fees, long-term contracts, or per-user charges. You get full access to risk assessments, safety program builder, and our complete training library for one flat annual fee.

7. Do I need safety experience to use Smarter Risk?

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 risk management or safety. Safety programs are automatically formatted to meet OSHA, NFPA, and ANSI standards—professional-grade results without the expertise.

8. Can I share my assessment results with my insurance agent or carrier?

Yes! You can generate and share comprehensive risk reports with your insurance partners. Many agents and carriers use these reports for underwriting, renewal discussions, and proving your commitment to risk management—which can lead to better rates and terms.

9. What if I need help or have questions?

RISK-B, our built-in AI assistant, is available 24/7 to answer questions about risk management, safety, or using the platform. Our AI assistant provides instant, expert guidance whenever you need it.

10. Does Smarter Risk integrate with other systems?

Smarter Risk 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 With Us

If you have any questions please contact us below or complete the form and we will get back in touch as soon as possible.

Phone Number:

803-999-RISK (7475)

E-mail Address:

Info@smarterrisk.com

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