See the ROI of safety programs and the real cost of injuries
Safety ROI Calculator →Workplace Safety Software
and Online Training
for Small Business
Build OSHA-aligned safety programs, prevent injuries, and lower your workers' comp costs. No safety expert required.
Assess HazardsOur AI-assisted safety assessment finds hazards and delivers an action plan in minutes
Build Safety ProgramsGenerate OSHA-aligned safety programs and policies with a few clicks
Train Your TeamWith our built-in Training Director and 50+ included courses, everything you need to train your team
Small businesses use Smarter Risk to build safer workplaces, prevent injuries, and qualify for better insurance rates.
We Know How to Prevent Injuries
The evidence is clear: businesses with written safety programs have dramatically better outcomes. A major study by the Ohio Bureau of Workers' Compensation found that businesses with structured safety programs had:
But most small businesses never build one. WHY?
Traditional workplace safety programs 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's workplace safety software helps small businesses achieve the same outcomes -- without the cost, jargon, or complexity.
Learn more about why Smarter Risk is in a league of its own compared to traditional safety and risk software.
Accessible Safety & Risk Control Software for Small Business
A safety program prevents injuries, and that is a large part of risk control. But insurers look at a broader picture when they price your policy: documented hazards and controls, policy gaps, training records, and other factors that shape your risk profile.
That's why Smarter Risk gives you a safety and risk control assessment to prevent not just injuries, but also the controls insurers actually underwrite on. All without the complexity, consultants, or cost:
Complete your combined safety & risk assessment in 15 minutesBuild your safety program and document the controls insurers look forGenerate OSHA-aligned safety policies with a few clicksAssign training with the Training Director -- 50+ courses includedAll at one low annual price (free or discounted if your insurance partner provides access)Would you like to know the potential ROI when you implement a safety program? Click here to use our Safety ROI Calculator.
Injuries Are Expensive
A workplace injury doesn't just hit your wallet -- it affects your team, your workers' comp premium, and even your ability to get coverage at all:
Injuries Hurt Your Team
Every injury impacts a real person -- and the morale and productivity of the team around them.
Injuries Raise Your Workers' Comp Costs
Your experience mod and premium are driven directly by your injury history. One bad year follows you for three.
Injuries Limit Your Coverage Options
An injury record means fewer carriers willing to quote your business -- and the ones that do charge more for it.
Why Traditional Safety Consulting Never Worked for Small Business
The current model is built for enterprises with dedicated safety teams -- not for an owner juggling payroll, bids, and a 10-person crew:
You Need a Safety Expert
Traditional programs require someone with years of safety training -- a hire most small businesses can't justify.
Hours of Consultant Time
Weeks of onsite visits, interviews, and reviews -- pulling you and your team off the work that actually pays the bills.
Thousands of Dollars
$5,000+ for a written program, $150+ per location for an assessment, $250-$1,000 per employee for training. It adds up fast.
Why Spend Tens of Thousands?
Get enterprise-grade safety and risk control tools built for small business -- for less than the cost of one injury.
Traditional Safety Costs
| Service | Typical Cost |
|---|---|
| Safety & 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 Safety & Risk AssessmentSafety Program Builder and 150+ Forms LibraryTraining Director LMS with 50+ courses includedReal-Time Safety Score & Progress TrackingShareable Risk Report to Qualify for Better RatesLess than the cost of a single injury
Safety & Risk Control Software Made for Small Business
Our web-based platform works on any device. No download required.
A Smarter Approach
Safety and risk control combined:
Assess
In 15 minutes, our combined safety and risk assessment identifies exactly what's exposing your business and builds your action plan.
Improve
Close the gaps. Build safety programs, assign training, and document controls with photo verification -- your safety score updates in real time.
Share
Share verified improvements with your insurance partners. Documented, measurable progress -- the very thing carriers look at when setting your rates.
Fast. Affordable. Built for Owners.
The ROI of Safety
Safety has a proven ROI. OSHA estimates employers save $4 to $6 for every dollar spent on safety. A written safety program also reduces injuries, lowers workers' comp costs, and boosts employee morale and productivity -- directly improving your bottom line.
Case Study: Tool and Equipment Company
A tool and equipment company transformed their organization by 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.
The Importance of
A Risk Report
Before applying for insurance or renewing your policy, complete a free safety and risk assessment with our simple web app. It identifies hazards, documents controls, and gives you a clear action plan.
Work through the recommendations to instantly improve your safety score and report. With one click, generate your professional Risk Report -- formatted in a way underwriters recognize and trust.
Show your agent and carrier you're actively managing your risk profile -- and earn the rates that go with it.
*Our web-app works on any device. No download required.
How It Works
Step 1: Assess
Complete a combined safety and risk assessment in 15 minutes. Get an instant safety score and action plan. Stuck? RISK-B, our built-in AI safety expert, answers your questions in real time.
Step 2: Your Action Plan
Your Risk Improvement Plan generates instantly -- a clear, prioritized roadmap to prevent injuries and close safety gaps insurers look at.
Step 3: Build Your Safety Program
Generate professional-grade safety policies in a few clicks. Our Policy Builder aligns every policy with OSHA, NFPA, ANSI, and ISO standards -- no expertise required.
Step 4: Track & Document
Check off completed safety tasks and upload photos to verify your improvements. Your risk score and Report update in real time -- every step is documented automatically.
Step 5: Train Your Team
The Training Director LMS includes 50+ ready-to-use courses covering everything from confined space to fire extinguisher safety. Assign training, track completion, and document it -- all with unlimited seats.
Step 6: Share With Your Insurance Partners
Export your professional Risk Report -- including your score, completed actions, and photo documentation. Proof for your agent and carrier that you're actively managing your risk profile.
Watch Our Demo Video!
Frequently Asked Questions
1. Is Smarter Risk designed for small businesses?
Yes -- Smarter Risk is purpose-built for small and mid-sized businesses. It replaces expensive consultants and long audits with a simple, digital process that makes professional safety and risk control accessible to every small business.
2. How much time is required from my team?
Minimal. Your combined safety and risk assessment takes 15 minutes or less, and your Risk Improvement Plan generates automatically. Each safety policy takes just a few clicks -- you stay focused on running your business.
3. Do you support businesses in all industries?
Smarter Risk is especially effective for hands-on industries like contractors, light manufacturing, warehousing, hospitality, restaurants, and hotels. The platform tailors every safety and risk control program to your specific operations, so the recommendations are always relevant to your business.
4. How much does Smarter Risk cost?
Our Intelligent Plan includes everything you need: AI-assisted safety and risk assessment, Safety Program Builder, 150+ Forms Library, and full access to our Training Director LMS with 50+ courses. If your insurance partner (agent or carrier) provides you access, you may receive it free or at a discounted rate. Your assessment (single location) is always free -- no credit card required.
5. What's included in our Intelligent Plan?
Everything you need to build a professional safety program and document your risk profile:
- AI-assisted safety and risk assessment (up to 10 locations)
- Risk Improvement Plan organized by location
- Real-time safety score tracking
- Safety Program Builder with OSHA, NFPA, ANSI, and ISO alignment
- 150+ Forms Library
- Training Director LMS with 50+ courses and unlimited seats
- Shareable Risk Report for your agent and carrier
- RISK-B AI assistant for instant safety guidance
6. What is the ROI of investing in safety?
Safety directly prevents injuries and lowers workers' comp costs. OSHA estimates employers save $4-$6 for every dollar spent on safety, and the Ohio Bureau of Workers' Compensation (BWC) study found structured safety programs cut claim costs by over 80%. Use our Safety ROI Calculator to estimate the financial impact for your business.
7. Can I share my Risk Report with my agent or carrier?
Yes. Once your assessment is complete, you can instantly generate a Risk Report to share with your agent or carrier -- showing them you're actively managing your risk profile. If your insurance partner set you up with Smarter Risk, you don't even need to share it -- they have access through their partner account. Even if your initial score is low, work through the recommended actions to improve your score and show measurable progress.
Assess. Improve. Share.
8. How is this different from hiring a safety consultant?
Traditional consultants cost $5,000+ for a written program, $150+ per location for assessments, and $250-$1,000 per employee for training -- easily $10,000+ annually. Smarter Risk's Intelligent Plan includes all of this, without the complexity, scheduling, or massive expense.
9. Do I need safety experience to use Smarter Risk?
No. Smarter Risk was built specifically for business owners without safety backgrounds. Our AI-assisted assessment guides you through every step, and RISK-B (our built-in AI safety expert) answers any question instantly. Everything is plain language -- no jargon, no complexity.
10. My insurance agent mentioned Smarter Risk -- how does that work?
Many insurance agencies and carriers provide Smarter Risk to their policyholders free or at a discounted rate. If your insurance partner signed you up, wait for a welcome email from Smarter Risk that includes your partner's name and policy number. Use the link in that email -- don't sign up separately.
How Do I Get Started?
Our web app works on any device -- no download required. Click Start Free Assessment, complete the short form, and you'll get a welcome email with a verification link to start your assessment right away.
Want to see it first? Book a demo and we'll walk you through everything.
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. DO NOT SIGN UP HERE.
Built for Hands-On Small Business
Smarter Risk is designed for the kinds of small businesses where workplace injuries are most costly -- and most preventable. If your team works with tools, machines, hazardous materials, or in physically demanding conditions, this was built for you.
Ready for a Safer Workplace?
Start your free safety and risk assessment today. 15 minutes to build a safer workplace, lower your workers' comp costs, and qualify for better insurance rates. No credit card required.