
Coterie's Manage My Risk Program with Smarter Risk!
We have partnered with Smarter Risk to help protect your clients. You can easily enroll them in Coterie's risk management and loss control services during the quoting process on the endorsement page.
Coterie Insurance + Smarter Risk bring small businesses:
🔹Included risk assessment of their business.
The process is quick, easy and entirely online
🔹 Custom risk control plan
Actionable recommendations to improve safety, reduce accidents and insurable losses.
🔹 Through Coterie access, the Smarter Risk Unlimited plan is subsidized by 80%, giving your clients easy and affordable access to additional Smarter Risk offerings, including a Custom Risk Report, Policy Builder and Forms Library.
Help Your Clients Protect their Small Businesses!
Coterie's Manage My Risk Program: Building Business Resilience
- Included tailored assessment specified to their business and industry
- Self-paced program with no program requirements
- Your clients will learn to prevent losses
- If they do experience a loss, they can learn how to recover faster
- Reduce the incidence of claims
How to get your clients access:

Step 1
Enroll Your Client in Manage My Risk
In the endorsement section of the quoting process with Coterie, keep "Manage My Risk" toggled on.
Keeping it toggled on means that at bind of policy the insured will be automatically enrolled.
Any Manage My Risk Program questions can be sent to: managemyrisk@coterieinsurance.com

Step 2
Insured is Notified
Once the policy is bound (or renewed), the insured will receive an email from Coterie with details about their access to Coterie's Manage My Risk Program.
24 hours after enrollment they can expect an email with access to their included assessment from Coterie's partner, Smarter Risk.
Any risk assessment questions can be submitted to https://smarterrisk.freshdesk.com/support/home

Step 3
Start Risk Mitigation Education
The insured now has access to all the risk management tools that are included in the program.
They can take the assessment and view the content at their own pace. They will continue to have access during their policy lifetime as long as they stay enrolled.
Along with Access to Smarter Risk, Coterie's Manage My Risk also includes:

Prevent Costly Mishaps
Proactively help your clients guard against losses from fire, theft, injuries, and potential lawsuits. Prevention is always better (and cheaper) than a loss!

24/7 Access to Industry Specific Resources
Whether it's late at night or during a coffee break, your clients access valuable content and tools tailored to their specific industries and risks.

At Their Own Pace Learning
From insightful articles and engaging videos to webinars, state-specific information, and checklists, your clients will find resources that resonate with their business needs. No jargon, just clear, actionable advice.
Program FAQs
What are the program requirements for my client?
There are no program requirements at this time and the program is entirely self-directed and self-guided.
Is participation in the assessment or content required to maintain MMR discount?
No, although we do encourage users to complete.
Who should the insured contact for support if their risk assessment is not available or they have tech issues?
SmarterRisk has a support ticketing system available here : https://smarterrisk.freshdesk.com/support/home
How can I help my client better protect their business?
Encourage them to use the materials provided in the Manage My Risk program and offer to help guide them through risk management strategies. Prevention is always easier than managing a loss!
Is it free/included? How much does it cost?
The risk assessment is included as part of Manage My Risk . There is an optional upgrade giving users access to a policy and forms library. That upgrade normally costs $500 but is discounted to $100 for manage my risk users.
Why should I encourage my clients to use Manage My Risk?
Businesses that use loss control services have few claims and are better able to protect their businesses. They’re also more resilient and prepared for a loss and can recover faster. By providing this added service to your clients, you can also increase retention by offering a value-added service.
Does Coterie administer Manage My Risk themselves?
We currently partner with Smarter Risk to bring small businesses a tailored risk assessment. We also partner with Nav.com to provide small business with credit tips. Other resources are provided by Coterie. We currently provide industry-specific information on how businesses can manage their specific risk, as well as access to industry-specific training and safety materials and goods to help secure their business.
How will this impact what I'm paid on policies?
You'll earn payouts from the Manage My Risk program at the same percentage as your normal commissions. In your monthly commission report you are emailed, scroll all the way right to see the Manage My Risk payout columns.
Will the risk assessment score impact future renewal premiums/used as a rating factor?
No, Coterie does not view your results to impact your renewal premiums in the future.
My client already has a policy with Coterie, can we add this mid-term?
Unfortunately, Manage My Risk is currently only available for new policies. You can add at renewal currently.
How do renewals work?
All renewing policies after 12/19/23 will auto-enroll policyholders into Manage My Risk if they were previously enrolled, if they had already opted out, you can add it. To unenroll, you'll need to email managemyrisk@coterieapplications.com.
What is Nav.com and what does that have to do with Coterie’s Manage My Risk program?
Please reach out to our Agency Experience team at producers@coterieinsurance.com or call 855-566-1011. Please have your client email managemyrisk@coterieapplications.com if they have questions.
I have questions about the loss control services, who should I reach out to?
Please reach out to our Agency Experience team at producers@coterieinsurance.com or call 855-566-1011. Please have your client email managemyrisk@coterieapplications.com if they have questions.
Who should the insured contact for support if their risk assessment is not available or they have tech issues?
What is loss control?
Loss control is the act of protecting a business to prevent a loss or event that negatively impacts your business. Loss control consists of actions to help secure the business and prevent a loss.
What is risk management?
Risk management is making a plan to stay safe and avoid problems. It's about thinking ahead and taking steps to protect yourself from things that could go wrong. Just like wearing a seatbelt in a car to stay safe, risk management helps you make choices to prevent or handle bad situations.