No credit card required

Direct sign-up for business owners.

Signing your business up on your own — not through an insurance carrier? This is the place. Start your free 15-minute assessment, or create your account.

And it’s as easy as it should be: enter your email, click the confirmation link we send you, and you’re in.

Getting SmarterRisk through your insurance carrier? Don’t sign up here — your personalized link arrives by email. Policyholder access →
Insurance carrier or agency? Book a demo — partner accounts aren’t self-serve.

Who we serve

One platform. Three stakeholders.

Business owners

Businesses

Prioritize safety, prevent injuries, and manage your risk — all in one platform.

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Insurance carriers

Carriers

Streamline loss control — faster and less expensive to underwrite small commercial accounts.

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Insurance agencies

Agencies

Offer a complete, cost-effective risk management solution — and grow your book.

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“In small business insurance, the current risk control process is overly complex, slow, and costly. Our platform simplifies it for companies, streamlines underwriting for insurers, and turns risk control into a competitive advantage for agencies. We’re not just changing the game — we’re rewriting the rules.”

— John Morlan, Founder

Navigate risk seamlessly.

SmarterRisk gives small businesses, insurers, and agencies innovative tools that streamline risk control, enhance safety, and deliver a clear, tangible ROI.