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.
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
Grab the card. Throw it at the wall.Flick the card at the wall.
Throw it at the market.
Risker checks the carriers on your appetite list together: strong fit, marginal or decline, each with a reason. Change an answer and it checks again.
Carriers that fit
Sample risk, illustrative scores and reasons
TravelersMasonry construction rates wellStrong fit94
SafecoPhoenix is inside the territoryStrong fit91
OpenlyProtection class acceptedStrong fit90
American ModernOlder dwellings consideredMarginal72
ChubbHome value under the program minimumDecline33
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.
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: 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 callConnected
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.
Wallet
Sample activity- Sold · Home · MesaCredited
- Sold · Home · FlagstaffCredited
- Sold · Manufactured home · Casa GrandeCredited
- Sold · Auto · TempeCredited
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.
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
SourcesCarrier appetiteCarrier matchesRecent risks
- AskAnyone placing older roofs around Mesa right now?
- WinsBound a manufactured home the portal said no to
- Carrier newsGuideline change on dwelling age, read the fine print
- ArizonaMonsoon 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.
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