Build OSHA-aligned safety programs, prevent injuries, and lower your workers’ comp costs. No safety expert required.
Our AI-assisted assessment finds hazards and delivers an action plan in minutes.
Generate OSHA-aligned safety programs and policies with a few clicks.
Built-in Training Director with 50+ included courses — everything you need to train your team.
A major Ohio Bureau of Workers’ Compensation study found businesses with structured safety programs had dramatically better outcomes:
But most small businesses never build one. Traditional safety programs are built for large enterprises — consultants, audits, and long reports that cost thousands. SmarterRisk delivers the same outcomes without the cost, jargon, or complexity.
A safety program prevents injuries — but insurers underwrite on a broader picture: documented hazards and controls, policy gaps, and training records that shape your risk profile. SmarterRisk covers it all, without the consultants or cost:
A workplace injury doesn’t just hit your wallet — it affects your team, your premium, and even your ability to get coverage at all.
Every injury impacts a real person — and the morale and productivity of the team around them.
Your experience mod and premium are driven directly by injury history. One bad year follows you for three.
An injury record means fewer carriers willing to quote — and the ones that do charge more for it.
The current model is built for enterprises with dedicated safety teams — not an owner juggling payroll, bids, and a 10-person crew.
Traditional programs require someone with years of safety training — a hire most small businesses can’t justify.
Weeks of onsite visits, interviews, and reviews — pulling you and your team off the work that pays the bills.
$5,000+ for a written program, $150+ per location for an assessment, $250–$1,000 per employee for training. It adds up fast.
Enterprise-grade safety and risk control, built for small business — for less than the cost of one injury.
| Service | Typical cost |
|---|---|
| Safety & risk assessment | $150 / location |
| Written safety program | $5,000 w/ consultant |
| Safety training (per employee) | $250–$1,000 / yr |
| Total | $10,000+ |
Less than the cost of a single injury.
Start free assessment
In 15 minutes, our combined assessment identifies exactly what’s exposing your business and builds your action plan.
Build safety programs, assign training, and document controls with photo verification — your safety score updates in real time.
Share verified improvements with your insurance partners — the very thing carriers look at when setting your rates.
Fast. Affordable. Built for owners.
Safety has a proven ROI. OSHA estimates employers save $4–$6 for every dollar spent on safety. A written program reduces injuries, lowers workers’ comp costs, and boosts morale and productivity — directly improving your bottom line.
By building safety and risk control programs to manage identified risks, they reduced workplace accidents by 80% in just 15 months — saving $250,000 in workers’ compensation costs.
Before applying for insurance or renewing, complete a free safety and risk assessment. It identifies hazards, documents controls, and gives you a clear action plan.
Work the recommendations to improve your safety score, then generate your professional Risk Report with one click — 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.
Complete a combined safety and risk assessment in 15 minutes for an instant score and action plan. Stuck? RISK-B, our built-in AI safety expert, answers in real time.
Your Risk Improvement Plan generates instantly — a clear, prioritized roadmap to prevent injuries and close the gaps insurers look at.
Generate professional safety policies in a few clicks, aligned with OSHA, NFPA, ANSI, and ISO standards — no expertise required.
Check off completed tasks and upload photos to verify improvements. Your score and Report update in real time — documented automatically.
The Training Director LMS includes 50+ courses, from confined space to fire safety. Assign, track, and document — with unlimited seats.
Export your professional Risk Report — score, completed actions, and photo documentation — as proof for your agent and carrier.
Yes — it’s 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.
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.
SmarterRisk is especially effective for hands-on industries like contractors, light manufacturing, warehousing, hospitality, restaurants, and hotels. The platform tailors every program to your specific operations.
Our Intelligent Plan includes everything: AI-assisted assessment, Safety Program Builder, 150+ forms library, and full access to Training Director with 50+ courses. If your insurance partner provides access, you may receive it free or discounted. Your assessment (single location) is always free — no credit card required.
AI-assisted assessment (up to 10 locations), a Risk Improvement Plan by location, real-time safety score, Safety Program Builder (OSHA/NFPA/ANSI/ISO), 150+ forms library, Training Director LMS with 50+ courses and unlimited seats, a shareable Risk Report, and RISK-B AI assistance.
Safety directly prevents injuries and lowers comp costs. OSHA estimates $4–$6 saved per dollar spent, and the Ohio BWC study found structured programs cut claim costs by over 80%. Try our Safety ROI Calculator.
Yes. Once your assessment is complete, generate a Risk Report to share — showing you’re actively managing your risk profile. If your insurance partner set you up, they already have access. Even a low initial score improves as you work the recommended actions. Assess. Improve. Share.
Consultants cost $5,000+ for a written program, $150+ per location for assessments, and $250–$1,000 per employee for training — easily $10,000+ a year. Our Intelligent Plan includes all of it, without the complexity, scheduling, or expense.
No. It was built for business owners without safety backgrounds. The AI-assisted assessment guides you through every step, and RISK-B answers any question instantly. Everything is plain language — no jargon.
Many agencies and carriers provide SmarterRisk to policyholders free or discounted. If your partner signed you up, wait for a welcome email with your partner’s name and policy number, and use the link in that email — don’t sign up separately.
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 begin 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 that includes your partner’s name and your policy number. Do not sign up here.
Designed for the 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.
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.