Modern agencies do more than sell policies — they help clients reduce risk. SmarterRisk makes you the trusted advisor who prevents claims and grows the book.
Go beyond quotes — help clients reduce risk, prevent claims, and document their risk control.
Help clients qualify for the best pricing — even accounts with past losses — by proving proactive risk management.
Offer a value-added service that builds trust from day one and shows clients they’re valued partners.
Small businesses need help navigating risk control — not just insurance quotes. With SmarterRisk you help them prevent losses, demonstrate real improvement, and access the best insurance solutions.
Give clients the tools to proactively reduce risk before it turns into a claim.
Demonstrable risk control that sets you apart from every agent who just sends a price.
Stronger ties with both clients and the carriers you place business with.
Lost business and increased costs.
Higher rates and fewer choices.
Fewer markets to place risk means a less competitive agency.
Traditional risk control is costly, consultant-driven, and slow — so most small businesses never use it. SmarterRisk lets your clients complete AI-assisted assessments in minutes, build safety programs in a few clicks, and train their team with the built-in Training Director.
The results speak for themselves — a 2011 Ohio BWC study of structured safety programs found:
It takes a professional with specialized safety training — a resource most small accounts can’t access.
Risk consultants take up hours of your clients’ time — time they’d rather spend running the business.
Traditional risk-control services are costly — pricing most small commercial accounts out entirely.
Fast, inexpensive, convenient — a win for your clients and your agency.
Your clients quickly assess and improve their risk, so you get them the most competitive rates — a win-win.
Clients walk into a carrier risk-control visit prepared, having completed a risk assessment in minutes.
Give clients the tools to improve risk fast — implement safety programs and train their team.
Avoid cancellations from poor risk assessments — and the scramble to re-place accounts with another carrier.
Cut the time your team spends fielding claims and risk-control calls. Spend that time selling instead.
A risk-control-first approach creates loyal customers and helps you surpass competitors.
Clients with fewer claims and better rates are less likely to shop — and more likely to renew.
Improve loss ratios. Help clients protect their businesses while strengthening your book.
Use our Safety ROI Calculator to put real numbers in front of every client.
The Agency Unlimited Program offers unlimited risk assessments at a price any agency can afford. Bundle it across your whole book and turn risk control into your competitive advantage.
The agency of the future harnesses technology as its greatest competitive advantage — reducing friction, improving outcomes, and driving client satisfaction.
SmarterRisk is the risk-control layer of that stack: turnkey, modern, and built to help you win.
It positions your agency as modern and value-driven — going beyond quotes. You give clients tools to reduce risk, prevent claims, and document safety improvements, differentiating you in a crowded market.
Yes. It 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 — making them more attractive to carriers and helping you win the account.
Set up a demo and we’ll walk you through it. Once you’re on the platform it takes seconds to set up a client. Many agents bundle it as a value-added service.
It reduces it. Clients self-assess and build their own safety programs in minutes — no consultant scheduling. You get professional Risk Reports automatically, and safer clients mean fewer claims and less service work.
15 minutes or less. Risk Improvement Plans generate instantly and safety programs are built in a few clicks — so you can help more clients faster.
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 each client their specific impact.
Yes. Reports are professional, standardized, and include photo validation. Carriers value the verified data — and many already partner with us and encourage agents to use the platform.
Small to mid-sized businesses in manual-labor industries: contractors, manufacturing, warehousing, hospitality, restaurants, and hotels — with WC, property, GL, fleet (non-DOT), or contractors liability exposure.
Schedule a demo to see it in action. Most agencies start with a few key accounts to prove value, then expand across the book.
Absolutely. When you help clients prevent claims and lower costs, you become a trusted advisor — not just another quote. Clients who see that value are far more likely to stay long-term.
Stand out, win more business, and grow your book — by helping your clients prevent losses. See it in a 15-minute demo.