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.
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.
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
52 carriers, ready to check
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.Illustrative scores, not any carrier's guidelines. Never an offer to bind; the carrier decides. 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
The Exchange
Your declines are worth something.
List a risk you can't write. An agency in the Risker community with appetite for it buys the lead, one agency at a time, and your share lands in your wallet. When another agent lists one you can write, you buy theirs.
On the Exchange
Built for agents across Arizona to trade what they can't write for what they can.
Your listing: Home, Mesa, AZ, Sold. Another agent's listing: Auto, Tempe, AZ, Purchased. Your listings: Home, Flagstaff; Auto, Gilbert; Manufactured home, Casa Grande; Home, Prescott; Auto, Chandler, Sold.
Wallet
Sample activitySample wallet: balance $126.00 after 8 lead sales and 1 lead purchase.
Sample activity at the Arizona Instant Connect price. Your share is what's left after the processing fee, held 48 hours before payout.
Risker AI and the community
Ask Risker. Or ask the room.
Risker AI works from your own risks, matches and quotes, and shows what it read. What only people know, the room answers: Arizona agents who place the same business you do.
Answers use your agency's data only.
Ask Risker to
Place my newest risk. Which carriers should I quote for my newest risk? Read 5 recent risks. Read 3 carrier matches. Two carriers look strong for the 1978 single-wide in Yuma, and one is marginal. The open question is the tie-down inspection. American Modern, 91. Older single-wides are inside its appetite. Foremost, 87. Yuma County is inside its territory. Nationwide, 62. Wants a tie-down report before it quotes. Tie-down inspection: Not answered yet. Next step: Agents in Ask the room know who inspects tie-downs around Yuma. Edit risk, Open community.
Today's question: What did a carrier decline this week that surprised you?
- Question: Who inspects tie-downs on a 1978 single-wide around Yuma? Manufactured home, Yuma. Solved
- RT, 2:13 PM: Two certified installers cover Yuma County; one does inspections the same week.
- KO, 2:14 PM: The carrier took an engineer's tie-down letter in lieu last month. Ask for that. Solved!
- Risker Assistant, 2:14 PM: Solved here before: Tie-down letter, 1976 single-wide, Pinal
- Question: Who is still writing homes with a roof over 15 years old? Home, Coconino. 3 replies
- MP, 2:03 PM: Pinal County has two carriers open again for double-wides built after 1990.
- Question: Young driver with two at-fault claims, who is still writing? Auto, Maricopa. No replies yet
- JL, 1:58 PM: Placed one with a regional carrier this morning. Happy to compare notes.
- Solved: SR-22 filing for a driver moving to Phoenix. Auto, Maricopa.
- Solved: Roof age cutoff for HO-3 in Flagstaff. Home, Coconino.
- Win: Bound a double-wide in Casa Grande after two declines. Manufactured home, Pinal. 4 replies
- DS, 1:41 PM: Thanks, the endorsement went through today.
On the floor: Solved: Tie-down inspection, 1978 single-wide, Yuma
Your desk: Solved in Ask the room. Who inspects tie-downs on a 1978 single-wide around Yuma? KO answered, 2:14 PM.
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