# Smarter Risk

> Risk management software for small business and their insurance partners

## At a glance

| Field | Value |
| --- | --- |
| Category | Underwriting & Risk |
| Type | Solutions Provider |
| Region | NA |
| Headquarters | South Carolina |
| Founded | 2019 |
| Stage | Startup |
| Employees | 1-10 |
| Funding | Bootstrapped |

## Overview

Smarter Risk is a cloud-based risk management platform that democratizes enterprise-grade safety and risk control solutions for small businesses in manual labor industries. The platform combines AI-assisted risk assessments, automated safety program generation, and a full learning management system in one end-to-end solution, all for a flat annual fee of $500.

Built specifically for contractors, shops, warehouses, light manufacturing, restaurants, and hotels, Smarter Risk addresses the gap where comprehensive risk management has traditionally been reserved for large enterprises with dedicated safety teams. The platform enables businesses to self-assess risk, automatically generates custom safety programs aligned with OSHA, NFPA, ANSI, and ISO standards, and provides actionable data to improve insurability.

For insurance carriers and agencies, Smarter Risk transforms risk control into a scalable, proactive digital solution delivering results at 80% lower cost and 90% faster than traditional methods. The platform helps underwrite, monitor, and improve risk quality across entire books of business.

## Products & services

### AI\-Assisted Risk Assessment

Organizational-level risk assessment powered by the RISK-B AI assistant that guides users through the evaluation process.

**Key features:**

- Completable in approximately 15 minutes
- AI risk expert \(RISK\-B\) available 24/7
- Custom risk improvement plan generated instantly
- Photo verification for hazard documentation
- Real\-time risk scoring dashboard

*Target users:* Small business owners, insurance agents

### Safety Program Builder

Automated generation of professional-grade safety programs aligned with industry standards.

**Key features:**

- OSHA, NFPA, ANSI, and ISO\-aligned programs
- Minimal clicks to generate comprehensive programs
- 150\+ forms templates library
- Quality Assurance Policy automation for contractors

*Target users:* Small businesses in manual labor industries

### Training Director LMS

Complete learning management system with pre-built safety training courses.

**Key features:**

- 53 OSHA\-compliant training courses
- Employee training tracking and management
- Course completion verification

*Target users:* Employers, safety managers

## Category & focus

- Subcategories: Risk assessment, safety management, loss control, training/LMS
- Insurance verticals: Workers Compensation, P&C Commercial
- Target customers: Employers, Carriers, Agents/Agencies

## Notable customers

- Coterie Insurance \(partner\)
- Alabama Associated General Contractors \(AGC\)

## Links

- Website: <https://www.smarterrisk.com>
- Directory profile: <https://insurtechlist.com/companies/smarter-risk/>
- About: <https://www.smarterrisk.com/about/>
- Insurers: <https://www.smarterrisk.com/insurers/>
- Linkedin: <https://www.linkedin.com/company/smarter-risk>

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*Last updated: 2026\-03\-25*