Modern agencies do more than sell policies—they help clients prevent losses.
Stand Out in a Crowded MarketDifferentiate your agency with a platform that goes beyond quotes—help clients reduce risk, prevent claims, and clearly document their risk control activities.
Win More BusinessSmarter Risk helps your clients qualify for the best pricing and secure coverage, even for accounts with past losses or borderline profiles—by proving proactive risk management through photo-validated assessments, real-time risk scores, and safety programs that can be implemented in just a few clicks.
Grow Your BookOffer a value-added service that builds trust from day one. Focusing on risk control shows clients they're valued partners—not just another commission check.
The agency of the future won't be about just selling insurance-it will be about helping clients actively manage and mitigate their risk. Smarter Risk can get your agency there today:
Stand Out in a Crowded MarketDifferentiate your agency with a platform that goes beyond quotes—help clients reduce risk, prevent claims, and clearly document their risk control activities.
Win More BusinessSmarter Risk helps your clients qualify for the best pricing and secure coverage, even for accounts with past losses or borderline profiles—by proving proactive risk management through photo-validated assessments, real-time risk scores, and safety programs that can be implemented in just a few clicks.
Grow Your BookOffer a value-added service that builds trust from day one. Focusing on risk control shows clients they're valued partners—not just another commission check.
Become a Trusted Advisor
Small businesses need help navigating risk control—not just insurance quotes. With Smarter Risk, you become their trusted advisor, helping them proactively prevent losses, demonstrate real improvement, and access the best possible insurance solutions.
Lost business and increased costs
Higher rates and fewer choices
Fewer markets to place risk means a less competitive agency
We Know How to Prevent Claims
Traditional risk control and safety wasn't built for small commercial insurance. It's costly, consultant-driven, and time-consuming—so most small businesses don't use it like they should.
Smarter Risk changes that. Our platform combines fast, AI-assisted self-assessments, instant safety programs, and a ready-to-use training library—making safety accessible and affordable.
The results? A 2011 Ohio BWC study found small businesses with structured safety programs had:
TRADITIONAL RISK CONTROL DOESN'T WORK FOR MOST AGENCIES
Requires a professional with specialized training
Risk Consultants take up hours of your clients time
Traditional Risk control services are expensive
Requires a professional with specialized training
Risk Consultants take up hours of your clients time
Traditional Risk control services are expensive
A SOLUTION THAT WORKS FOR ALL AGENCIES
Risk Control 2.0
Simplified Risk ManagementWith our app your clients can quickly assess and improve their risk so you can get them the most competitive rates - a win win.
No More Risking a Poor AssessmentYour clients can be prepared for a carrier risk control visit by completing a risk assessment in minutes.
Rapid Risk ImprovementProvide the tools your clients need to quickly improve their risk, implement safety and risk control programs, and train their team.
Fast, Inexpensive, Convenient
Fast, Inexpensive, Convenient
Smarter Risk is more than a risk management tool for insurance agencies—it's a platform built to help you win competitive accounts, reduce service work, and retain more clients.
Our platform is designed to revolutionize how you assist your clients in understanding and managing their risks. It offers a fast, cost-effective turnkey solution tailored to small businesses. Our app streamlines the entire process, from risk assessment to implementation of control measures, providing your clients with the most efficient and cost-effective solution. Elevate your Agency with a complete risk management solution that improves client safety and increases agency profits.
Smarter Risk helps your clients lower their premiums and helps you increase retention, profitability, and placement success.
Avoid cancellations stemming from poor risk assessments or having to scramble to place them with another insurer.
Reduce the time your agency spends fielding phone calls stemming from claims and risk control issues. Instead, spend that time selling.
With a Risk Control first approach, create loyal customers and surpass competitors through comprehensive risk management solutions.
Clients with fewer claims and better rates are less likely to shop and more likely to renew year after year.
Improve loss ratios! Help your clients protect their businesses while enhancing your book of business.
The Agency Unlimited Program is simply unbelievable.
Our new program offers unlimited risk assessments at a price any agency can afford.
Sign up for a demo now and redefine possibilities!
WHAT'S IN YOUR INNOVATION STACK?
The agency of the future harnesses technology as its greatest competitive advantage.
By reducing friction, enhancing outcomes, and fostering client satisfaction, technology becomes a powerful tool for growth and success.
Smarter Risk partners with you to position your agency as a modern, value-driven agency that goes beyond quotes. You provide clients with tools to reduce risk, prevent claims, and document safety improvements—differentiating your agency in a crowded market.
Yes. Smarter Risk helps clients with past losses or borderline profiles prove they're proactively managing risk through photo-validated assessments, real-time risk scores, and safety programs. This documented improvement makes them more attractive to carriers and can help secure better rates and help you win accounts.
Set up a demo and we will walk you through exactly what you need to do. Once you are on the platform it only takes a few seconds to set up a client with our platform. Many agents bundle it as a value-added service to strengthen relationships.
Smarter Risk reduces your workload. Clients self-assess and build their own safety programs in minutes—no consultant scheduling required. You get professional Risk Reports automatically, making submissions easier and faster. Your clients become less dependent on you for basic safety questions. Also safer businesses have fewer claims reducing service work.
Clients complete comprehensive risk assessments in 15 minutes or less. Risk Improvement Plans are generated instantly, and safety programs can be created in just a few clicks. This speed means you can help more clients faster.
Studies show businesses with structured safety programs reduce claims by 52%, lower claim costs by 80%, and decrease lost time by 87%. Use our Safety ROI Calculator to show clients the specific financial impact for their business.
Yes. Smarter Risk reports are professional, standardized, and include photo validation of conditions and improvements. Carriers appreciate the verified data for underwriting decisions. Many carriers already partner with us and actively encourage agents to use the platform.
Smarter Risk is optimized for small to mid-sized businesses in manual labor industries: contractors, manufacturing, warehousing, hospitality, restaurants, and hotels. If your clients have workers' compensation, property, general liability, fleet (non-DOT), or contractors liability exposure, Smarter Risk delivers impressive value.
Schedule a demo to see the platform in action. We'll show you how to position it with clients and carriers. Most agencies start by offering it to a few key accounts to demonstrate value, then expand across their book.
Absolutely. When you help clients prevent claims and lower costs through proactive risk management, you become a trusted advisor—not just another agent providing a quote. Clients who see this value are far more likely to stay with your agency long-term.