Manage My Risk
A Built-in Advantage for Agents
With Manage My Risk, you don't just sell a policy, you deliver a program that lowers risk, improves client retention, and sets you apart from other insurance agents.
Why Offer Manage My Risk?
Small business owners are looking for more than coverage—they want tools and guidance. Manage My Risk transforms a Coterie policy into an ongoing value driver for both you and your clients.
Differentiate your offering
Stand out by delivering real, everyday tools beyond coverage.
Retention and growth
Clients who use Manage My Risk stay longer and refer more often.
Build strong Relationships
Year-round touchpoints through training, compliance, and financial resources.
Competitive advantage
Manage My Risk helps show value and can simplify conversations around price.
3 Ways Manage My Risk Helps
Small Businesses
Protect their Business
Access OSHA and safety compliance guides, training modules, and personalized risk assessments to reduce accidents and avoid costly fines.
Strengthen their Team
Offer employees engaging, on-demand training modules and resources to build a safer, more confident workforce.
Grow Financially
Use business credit insights and flexible banking tools to improve your financial health and support your growth.
What's Included
SmarterRisk – Risk Assessment & Action Plan
- Quick, digital self-assessment (15 minutes)
- Custom risk improvement plan with actionable steps
- Subsidized upgrade available
Bluevine – Get More from Your Business Banking
- Flexible banking and lines of credit for small businesses
- Helps your clients manage cash flow and seize opportunities
Nav.com – Credit & Financial Health
- Complimentary access to credit insights (no hard check)
- Business funding options and credit-building tools
- Nav Prime upgrade available for faster results
EdApp – Interactive Safety Training
- 100+ interactive microlearning courses
- Industry-specific modules on safety, compliance, and operations
Safety Resources – Centralized Tools
- Downloadable guides and compliance checklists
- Industry and state-specific regulatory resources
Add Manage My Risk to Your Next Policy
Manage My Risk helps small businesses protect, strengthen, and grow.
It's easy to add this resource to your clients policy. Once the policy is bound, they will receive an email with access to our portal.
Manage My Risk 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.
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.