Order Risk Assessments Directly From Your Platform
The SmarterRisk API lets you submit risk assessment orders and track them programmatically — without leaving your own systems.
What It Does
The SmarterRisk Order Intake API connects your existing workflows to the SmarterRisk platform. Submit a risk assessment order through a single API call, and your client receives an invitation to complete their assessment. Results flow back to your Partner Dashboard automatically.
No manual data entry. No switching between platforms. Just a clean integration between your systems and ours.
How It Works
You submit an order
Send your client's details, coverage lines, and policy number through a single API request from your backend.
Your client gets invited
They receive an email with a link to complete their risk assessment on SmarterRisk.
Results appear in your dashboard
Once the assessment is complete, risk scores, reports, and recommendations are available in your Partner Dashboard.
Same workflow as ordering through the dashboard, just automated.
Key Capabilities
Order Submission
Submit risk assessment orders for any combination of coverage lines — Workers' Comp, Property, General Liability, Fleet, and Contractors Liability. Choose the plan level that fits your client's needs.
Order Tracking
Check the status of any order at any time using the order ID returned when you submit. Know exactly where things stand without logging into the dashboard.
Sandbox Testing
Test your integration with a dedicated sandbox API key. Same validation, same responses — but nothing gets charged and no emails go out. Most partners have a working integration within a day.
Idempotent Requests
Safely retry failed requests without worrying about duplicate orders. Include an idempotency key and the API handles the rest.
Budget & Quota Controls
Set monthly spending limits and order quotas per API key from the Partner Dashboard. The API enforces them automatically so you stay within budget.
Detailed Error Handling
Clear error codes and per-field validation messages for every failure scenario. Your integration always knows exactly what went wrong and how to fix it.
Built for Insurance Workflows
The API supports the same plan tiers and pricing available in the Partner Dashboard:
| Plan | What Your Client Gets |
|---|---|
| Bright | Risk assessment and recommendations |
| Smart | Everything in Bright, plus a risk score, full risk report, and updates. |
| Intelligent | Full platform access — forms, policy builder, training director, and more |
Pricing is calculated server-side using the same logic as the dashboard, including subscriber discounts and line surcharges.
Who It's For
Insurance Carriers
Automating risk assessment orders for policyholders
MGAs
Integrating into underwriting or quoting platforms
Agencies
Building client intake forms that submit directly to SmarterRisk
Brokers
Connecting CRM or management systems to streamline ordering
Security
API key authentication on every request — keys are generated and revoked from your Partner Dashboard
Up to 3 live keys and 1 sandbox key per account, each with independent usage tracking
Rate limiting protects against abuse (60 requests per minute per key)
Your API key never needs to be exposed in client-side code — all requests go through your backend
Getting Started
- Log into your Partner Dashboard
- Go to My Account → API Integration
- Generate a sandbox key for testing
- Submit a test order and verify the response
- Generate a live key and swap it in when you're ready
Full technical documentation is available in our API Docs.
What's Included in V1
- Submit risk assessment orders for any coverage line and plan level
- Track order status by order ID
- Sandbox environment for safe integration testing
- Idempotent request support for retry safety
- Per-key monthly quotas and account-level budget controls
- Detailed error responses with per-field validation messages
On the Roadmap
- Webhook notifications for order events
- API access to risk reports, scores, and recommendations (including status)
- Re-order/upgrade support for existing clients
Frequently Asked Questions
Do I need a developer to use the API?
Yes — the API is designed for backend integration. You'll need someone comfortable making HTTP requests from your server. That said, the integration is simple and most developers get it running in under a day.
What happens if something goes wrong with an order?
The API returns clear error codes and messages for every failure scenario. In the rare case a downstream issue occurs after payment, our support team is automatically notified and the order is flagged for review. You'll always know the status.
Can I test without being charged?
Yes. Generate a sandbox API key from your Partner Dashboard. Sandbox orders go through the full validation cycle but nothing gets charged, no emails are sent, and no client accounts are created.
Is there a limit on how many orders I can submit?
Your account administrator can set monthly quotas and spending limits per API key from the Partner Dashboard. Within those limits, you can submit as many orders as you need.
What assessment lines are supported?
Workers' Compensation, Property, General Liability, Fleet, and Contractors Liability — the same lines available in the Partner Dashboard.
Can I access risk reports or scores through the API?
Not yet. V1 is focused on order intake and tracking. API access to reports, scores, and recommendations is on the roadmap. For now, use your Partner Dashboard to view results.
What does it cost?
API orders use the same pricing as the Partner Dashboard, including any subscriber discounts. The exact cost is returned in the API response when you submit an order.
Ready to Integrate?
Get API access and start submitting orders from your own platform.