A Lower Loss Ratio is a Few Clicks Away!
Scalable Assessments • Automated Safety Programs • Free Policyholder Training • Validated Risk
Smarter Risk Control
AI Assisted Self Assessments- Policyholders can quickly and independently complete assessments.
- RISK-B, our AI risk control expert, ensures accuracy and completion by providing instant guidance. Users can even upload photos and ask questions like, “Do I need a guard for this?”
Automated Safety Program Development- Policyholders effortlessly generate professional-grade safety programs aligned with OSHA, NFPA, UL, FM, ANSI, ISO, and industry best practices.
- Programs are ready in just a few clicks, eliminating costly delays and consultant fees.
Free Training- Intelligent Plan policyholders have instant access to our training library which includes over 50 safety training courses at no additional cost.
Validated Risk- Policyholders upload photos to confirm assessment responses and verify completed recommendations.
- Real-time validation ensures transparency, verifies controls, and enhances underwriting accuracy—ideal for pre-bind or pre-renewal decisions.
AI Assisted Self Asessments- Policyholders can quickly and independently complete assessments.
- RISK-B, our AI risk control expert(launching August 2025), ensures accuracy and completion by providing instant guidance. Users can even upload photos and ask questions like, “Do I need a guard for this?”
Automated Safety Program Development- Policyholders effortlessly generate professional-grade safety programs aligned with OSHA, NFPA, UL, FM, ANSI, ISO, and industry best practices.
- Programs are ready in just a few clicks, eliminating costly delays and consultant fees.
Free Training- Intelligent Plan policyholders have instant access to over 50 customizable safety training courses at no additional cost.
Validated Risk- Policyholders upload photos to confirm assessment responses and verify completed recommendations.
- Real-time validation ensures transparency, verifies controls, and enhances underwriting accuracy—ideal for pre-bind or pre-renewal decisions.
Empower Your Customers and Your Risk Control Staff
Traditional risk control faces significant challenges. Consultants are stretched too thin to effectively support every policyholder, resulting in infrequent assessments. This leaves insurers vulnerable to premium leakage and missed opportunities for proactive claim prevention.
Smarter Risk transforms your risk control into a scalable, proactive solution—delivering results at 80% lower cost and 90% faster than traditional methods.
- Infrequent Assessments: Consultant-driven assessments are often too rare, causing premium leakage and missing the opportunity to mitigate risks before they escalate into claims.
- Limited Implementation Support: After assessments, policyholders typically lack adequate support to develop effective safety programs—even though structured programs significantly reduce claims.
- Inaccessible Training: Small businesses often face limited training options—either expensive programs or none at all—creating critical gaps in safety practices.
RISK CONTROL 2.0
Speed & Convenience
Rapid Risk AssessmentsReceive risk assessments in minutes using our app.
Simplified Risk Management
Info at Your FingertipsView and organize your risk from a single dashboard. View dynamic risk reports, risk control scores, and enhanced recommendations all in one place.
Visibility & Efficiency
Track ImprovementsKeep up to date with your policyholders. Know instantly which recommendations have been completed and when.
Rapid Risk Improvement
Accelerate ProgressProvide the tools your policyholders need to not only quickly implement safety and risk control programs, but also train their team.
See Why Coterie Chose Smarter Risk
— David McFarland, CEO, Coterie Insurance
PROVEN RESULTS
Structured safety programs dramatically reduce claims and associated costs. A 2011 Ohio Bureau of Workers' Compensation study demonstrated:
- 52% fewer claims
- 80% lower claim costs
- 87% fewer lost-time days
Smarter Risk helps policyholders quickly and affordably replicate these proven outcomes at scale.
Enhance Underwriting Accuracy
It's time for a new approach. Our automated self-assessments are fast and cost-effective, enabling you to collect essential information pre-bind and pre-renewal. This improves underwriting accuracy and ensures better outcomes.
Reduce Costs
Self-assessments drive long-term savings by cutting deployment costs, reducing claims, and lowering your loss ratio. They pinpoint risks, allowing businesses to take preventive action and avoid losses.
Multiply Your Risk Control Team's Impact
Do more with less. Free your consultants to focus their expertise on high-risk accounts and strategic interventions.
HOW CAN WE IMPLEMENT THE SMARTER RISK SOLUTION?
Implementation Options
Get your team up and running in 15 minutes or less. Sound to good to be true? Sign up for a demo today and we will show you how easy it is!
Experience Dynamic
Move beyond traditional, static risk reporting. Our real-time updates offer a dynamic and comprehensive view of insured risks, allowing for more informed decision-making.
Unlock
Market Potential
Realize the untapped potential of the small commercial market. Minimize risks and offer more competitive quotes!
Minimize Premium Leakage
Frequent self-assessments help identify and appropriately price potential risks, reducing premium leakage and increasing profitability.
Improve Engagement
Our app significantly enhances the insured's active participation in risk control. This approach improves safety, minimizes risks, and creates a dynamic partnership that promotes safer businesses.
Easy
Integration
Start experiencing the benefits Smarter Risk in just 15 minutes. Our cloud-based platform is designed for swift integration and ease of use.
Need a Custom Assessment?
Now offering custom assessments!
If our out-of-the-box solution doesn't quite fit the bill, we can work with you to create a custom assessment specifically for your policyholders.
Schedule a time and let's talk details.
Book Now
Frequently Asked Questions
1. How does Smarter Risk help insurers?
Smarter Risk enables your policyholders to self-assess risk, automatically generates custom safety programs, and provides you with actionable data to underwrite, monitor, and improve risk quality across your book. It transforms risk control from a manual, reactive process into a digital, scalable system that enhances both efficiency and profitability.
2. How does this integrate with our existing risk control team?
Smarter Risk amplifies your team's impact. Instead of replacing your consultants, it frees them from routine assessments. Armed with a risk report from a completed self-assessment, interactions with policyholders become high-value consultations that require much less time. In addition, this allows them to focus their expertise on high-risk accounts and strategic interventions. Self-assessments handle the volume while your team handles the complexity.
3. How accurate are self-assessments?
Our assessments are AI-assisted and include photo validation to verify conditions on-site and minimize false reporting. Every user must also agree to our Fraud and Accuracy Policy before completing an assessment, ensuring the integrity of the data you receive. RISK-B, our AI risk control expert, provides instant guidance to policyholders—they can even upload photos and ask questions like "Do I need a guard for this?" to ensure accurate responses.
4. Can Smarter Risk scale across many policyholders?
Absolutely. Smarter Risk was built to scale risk control across thousands of insureds at a fraction of traditional cost. Whether you manage hundreds or tens of thousands of accounts, the platform automates assessments, reporting, and tracking so you can expand risk control capacity without additional staff.
5. How quickly can policyholders complete assessments and deploy safety programs?
Policyholders complete comprehensive risk assessments in 15 minutes or less. Risk Improvement Plans are generated instantly, and professional safety programs can be created in just a few clicks, eliminating the delays and costs associated with manual creation or third-party consultants. This allows your policyholders to implement meaningful improvements immediately after completing their assessment.
6. What cost savings can insurers expect?
Smarter Risk delivers risk control at roughly 80% lower cost and 90% faster turnaround than traditional field-based methods. That efficiency means you can extend risk control to your entire book—improving underwriting outcomes while controlling expenses. The 2011 Ohio Bureau of Workers' Compensation study showed businesses with safety programs had 52% fewer claims, 80% lower claim costs, and 87% fewer lost-time days.
7. What's included for policyholders?
When carriers provide Smarter Risk to policyholders, they receive:
- AI-assisted risk assessments (up to 10 locations)
- Real-time risk score tracking with photo validation
- Safety Program Builder aligned with OSHA, NFPA, ANSI, ISO standards
- Forms Library with customizable documents
- Full Training Library with 50+ safety courses
- Professional Risk Reports to share with underwriters
- RISK-B AI assistant for instant safety guidance
8. What lines of business does this work for?
Smarter Risk is optimized for commercial lines serving small to mid-sized businesses in manual labor industries. Applicable lines include: Workers' Compensation, Property, General Liability, Fleet (non-DOT), and Contractors Liability. If your book includes exposure in contractors, manufacturing, warehousing, hospitality, restaurants, or hotels, Smarter Risk delivers measurable risk reduction.
9. What implementation options do you offer?
We offer flexible deployment:
- Pre-Bind: Collect essential information before binding to price risk appropriately and improve completion rates
- Post-Bind: Get assessments completed quickly to reduce exposure during the cancellation period (typically 30 days)
- Pre-Renewal: Reassess risk annually to prevent premium leakage and identify changes in operations
All options integrate seamlessly with your existing underwriting workflow.
10. How do we access policyholder risk data?
You have dashboard access to view all policyholder assessments, risk scores, Risk Reports, and completed recommendations in real-time. Track improvements instantly and know which policyholders are actively managing risk. Export reports for underwriting decisions or renewal reviews.
11. What ROI can we expect?
Carriers typically see ROI through:
- Reduced loss ratios from proactive claim prevention
- Lower risk control costs (80% reduction vs. traditional methods)
- Improved underwriting accuracy with validated risk data
- Higher retention when policyholders see value in your risk management support
- Competitive advantage offering modern digital risk control tools
12. How do we get started?
Schedule a demo to see the platform in action and discuss implementation options. We'll work with you to determine the best deployment strategy—whether pre-bind, post-bind, or pre-renewal—and can typically launch within 30 days. We provide training for your underwriting and risk control teams to ensure smooth adoption.