94
Strong fit
Travelers
Masonry construction rates well
Stop quoting blind. See who wants the risk first.
Risker checks your client's story against carrier appetite, ranks the carriers that fit and shows you why.
Live in Arizona for auto and home, manufactured homes included
The week you already know
Same client. Typed into another portal.
Guidelines in a PDF from who knows when.
A decline, three days later.
And the client took a quote somewhere else.
You weren't slow. You were guessing.
Carrier marks belong to their owners; no affiliation implied.
Tell the story once.
Address, year built, roof, claims. Risker asks what carriers ask and leaves unanswered questions in plain view.
New risk
Sample client- Line
- Home
- Location
- Phoenix, AZ 85016
- Year built
- 1987
- Roof replaced
- 2019
- Construction
- Masonry
- Claims, last five years
- None
- Pool
- Not answered yet
One card. Drop it in.
Your client's story, told once. Risker checks each answer against carrier appetite rules.
Grab the card. Throw it in.Flick the card in.Or keep scrolling and it drops for you.
Appetite engine
EligibilityEligibilityRiskRiskLimits and fitFitExclusionsExclusionsTravelersStrong fit
Home
Roof age
Masonry
Clear
94
OpenlyStrong fit
Home
Roof age
Protection class
Clear
90
ChubbDecline
Home
Year built
Masonry
Clear
33
49 more checked the same wayIllustrative sample
New risk
Sample client- Line
- Home
- Location
- Phoenix, AZ 85016
- Year built
- 1987
- Roof replaced
- 2019
- Construction
- Masonry
- Claims, last five years
- None
- Pool
- Not answered yet
Home · Phoenix, AZ · 1987 · Masonry
Roof replaced
Claims
Illustrative scores and reasons, not any carrier's actual guidelines. A fit score is guidance, never an offer to bind. The carrier makes the underwriting decision. Carrier names and marks belong to their owners; no affiliation implied.
Send it. Track it. Close it.
- Submitted
Out the door
Mark the carriers you quoted. The submission room opens with the story and the reasons attached.
- Awaiting a result
Nothing goes quiet
Every open quote sits in one queue. Set a follow-up and Risker reminds you in the bell and on your phone.
- Recorded
Your book remembers
Bound, quoted or declined. Record the result and Risker uses it to steer your next match.
Submission room RK-2041Sample client
- TravelersSent
SafecoSent- OpenlySent
Client story · Fit reasons attached for each carrier
Awaiting a resultSample client
91
Reminder set for tomorrow, 9 AM Bell and phone
Results recordedSample client
- OpenlyBound
- TravelersQuoted
Your next match reads these results
Can't place it? Someone can.
Your client agrees to a call. Risker texts them once. They reply 1, Risker calls them and connects an available agent who fits the risk. You get the outcome and your share.
- Client agreed
- One text
- Reply 1
- Agent on the line
Texts are transactional, never marketing, and your client can reply STOP at any time. The buying agency is never named to you, and your client's details never go to a list.
Risker
Risker: a licensed home agent in AZ is ready to help with your quote. Reply 1 and we will call you to connect with an available agent. If you did not request this, reply STOP to opt out. HELP for help. Msg&data rates may apply.
1
Risker: We're calling you now. Please answer and stay on the line while we find an available insurance agent.
Risker
Incoming call
Connected
Agent on the line
Your declines are worth something.
List a risk you can't write. An agency with appetite for it buys the lead, one agency at a time, and your share lands in your wallet.
HomeMesa, AZ · Your listingListedSold
- Year built
- 1994
- Prior claims
- None
Ranking agencies that want thisOne agency reservedCall bridgedShares recorded
Wallet
Sample activityShares credited
0123
From lead salesAgencies at a time
1
One agency reserved per try- Lead saleHome · Mesa, AZJust nowShare credited
- Lead saleAuto · Tucson, AZTodayShare credited
- Lead saleManufactured home · Yuma, AZTodayShare credited
- 1Risker AI
- 2The room
Ask Risker. Or ask the room.
Risker AI answers from the risk in front of you and shows its sources. The community is a room of agents who place the same kind of business you do.
Find carriers
Which carriers on my list take a 1978 manufactured home in Yuma?
Read this risk and the appetite on your carrier list
Two strong fits and one marginal. The marginal one wants a tie-down certificate before it quotes.
- 2Strong fit
- 1Marginal
- Tie-down certificate
- Not answered yet
Add it to the risk
SourcesCarrier appetiteCarrier matchesRecent risks
Today's questionSample threads
Who inspects tie-downs on a 1978 single-wide around Yuma?
Add yours
On the floor
- Solved: HO-3 on a 1978 roof in Tucson
- Win: Bound a manufactured home the portal said no to
- Badge: First responder
- Carrier news: Dwelling age guideline change
- Arizona intelligence: Monsoon water claims thread
Ask the room
Live- Question
Anyone placing older roofs around Mesa right now?
Photos and a four-point got my 1987 roof quoted last week.
- Solved
Teen driver added mid-term and the carrier wants to non-renew. Options?
Remarket before the renewal date, with the good-student discount on file.
Wins and quotes
Live- Win
Bound a manufactured home the portal said no to
Same one I got stuck on last month. What changed the answer?
Quieter rooms
- Carrier newsGuideline change on dwelling age, read the fine print
- Arizona intelligenceMonsoon season and water claims, what are you seeing
Worth knowing.
Something else? Write to support@risker.com
Where is Risker available?Arizona: auto, home, manufactured homes
Arizona, for personal auto and home, including manufactured homes. More states are being onboarded.
Does a strong fit mean the carrier will write it?No. The carrier decides.
No. A fit score is Risker's read of recorded carrier appetite. It is not an approval, a quote or a promise to bind. The carrier decides.
What if I don't have every answer?Enter what you know.
Enter what you know. Unanswered questions stay visible and can lower the score, so you can see what still needs a follow-up.
What happens to my clients' information?Your agency owns it. Never sold.
Your agency owns the risk and client data it enters. Risker does not claim it and will not sell it. Data is encrypted in transit and at rest, and access is scoped by role and agency.
Read the privacy policyAre the Exchange, Instant Connect and the community on every account?Per account, as they roll out.
They open per account as they roll out. Carrier fit, intake and submissions come with Solo from day one.
What happens after I get started?Stripe checkout, then setup.
Pick Solo and pay through Stripe checkout. Risker then walks you through setting up your account.
Can I use Risker with my agency?Yes. Write to us.
Yes. Write to support@risker.com and tell us about your team. Self-serve Solo is one seat.
Sign for it.
Proof of deliveryRK-2041
Delivered to you
- Intake
- Carrier fit
- Submission
- Instant Connect
- Wallet
Risker Solo
$50 per month
- One seat, billed monthly
- Cancel anytime
- Arizona: auto, home, manufactured homes
Recipient signatureCheckout on Stripe
Carrier fit is guidance. The carrier makes the underwriting decision.
Bringing an agency? Talk to us