PolicyholdersTo support your risk control and safety efforts, Manage My Risk customers have access to the Smarter Risk Platform.
SmarterRisk Control
Assess Risk
Our free assessment uncovers risks and delivers an actionable plan in minutes
Build Safety Programs
Create risk control and safety programs with a few clicks
Control Insurance Costs
Proactive risk control means fewer claims and qualifying for more competitive rates
Skip the $100K/year Safety Manager—get expert-level risk control for less than a claim deductible. Smarter Risk assesses your risk and builds complete safety programs in minutes—all on one simple, powerful platform that turns safety into savings.
WE KNOW HOW TO STOP CLAIMS
The evidence is clear: businesses with structured safety programs have dramatically better outcomes. A major 2011 study by the Ohio Bureau of Workers' Compensation found:
But most small businesses never implement these programs. WHY?
Traditional risk control and safety solutions 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 helps every business achieve those outcomes—without the cost or complexity.
Affordable Risk Management Software for Small Business
Smarter Risk gives every small business the power of a full safety program -- without the complexity, consultants, or cost:
Complete your risk assessment in 15 minutes
Improve your risk and track your progress
Generate safety policies
Assign training with the Training Director
All at one low annual price (free or at a discounted rate 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.
The Smarter Risk Solution
Rapid Risk Improvement
The Easy Way
Assess and improve risk in minutes using our app. No more time consuming assessments. Build safety and risk control policies with a few clicks.
Simplified Risk Management
Info at Your Fingertips
See everything from your dashboard including risk control score, report, and risk improvement plan.
Visibility & Efficiency
Stay Organized
Keep up to date with your risk improvement plan. Know which recommendations have been completed and when.
Track Improvements
Monitor Progress
As recommendations are completed the score and report are updated instantly!
Accessing Your Smarter Risk Account
How do I get started?
Every MMR Policyholder will receive a welcome email from Smarter Risk, either when you start your policy or if you already have a policy, 90 days before your renewal. Here are some items to be aware of:
Email: Coterie will send an email notifying when to be on the lookout for your Smarter Risk invitation. Smarter Risk sends out invites within 24 hours of Coterie's notification.
Signups: Must be done through the sign up link in the Smarter Risk welcome email within 48hrs, or you must use the sign up link in a reminder email.
Discount: The Coterie email will include the discount code for the intelligent plan.
Emails will be sent to the email address you have on file with Coterie. Be sure to check your spam folder. We make every effort to ensure our emails go through but it can still happen. If you need help with this submit a support ticket
Welcome Coterie Policyholders
Watch this onboarding video to see exactly how the process works.
WHY SMARTER RISK
Smarter Risk was built to revolutionize the way we manage insurable risk. Traditional risk control is complicated, time-consuming, and expensive—even for professionals. We knew there had to be a better way. That's why we leveraged technology to redefine risk control:
Simple and Accessible: Our app empowers anyone to assess risks and develop effective safety and risk control programs.
Fast and Efficient: Tasks that once took hours can now be completed in minutes.
Affordable and Scalable: We've drastically reduced costs, making risk control accessible to organizations of all sizes, promoting more frequent use, and unlocking opportunities for companies previously priced out of the market.
With Smarter Risk, effective risk control is within everyone's reach.