Type the risk once.
Address, class, construction, priors — one short form. That’s the last manual step before a ranked market.
Line of business
Homeowners
Construction
Masonry
Year built
1998
Prior losses
0 in 5 yrs
Every carrier, scored while you watch.
Risker runs the whole panel against state-scoped appetite rules — every carrier gets a 0–100 Confidence score with the why attached. No black box.
Meridian Specialty
Class fit: in appetite
Hartwell Commercial
Class fit: conditional
Cascade Mutual
Class fit: not matched
See exactly why it fits.
Every appetite rule a risk hits and misses — class, state, TIV, prior losses — across the whole panel. Indication vs. bindable, always labelled.
Lead with the yes.
Invite-only for US independent agents. No cold demo, no sales gauntlet — request access and we’ll set you up.
Request accessLine of business
Homeowners
Construction
Masonry
Year built
1998
Prior losses
0 in 5 yrs
Meridian Specialty
Class fit: in appetite
Hartwell Commercial
Class fit: conditional
Cascade Mutual
Class fit: not matched
State-scoped appetite across ~168 carriers · Arizona personal lines live, more rolling out
The appetite intelligence layer for the point of submission
Raters tell you a price. An AMS runs your back office. Risker answers the one question that decides the deal: which carriers will say yes to this risk — and why.
Every carrier, ranked by Confidence
One risk in, a ranked shortlist out. Each carrier scored 0–100 on the reserved-cyan Confidence Arc, sorted most-likely-to-write first, so you lead with the markets most likely to quote.
Meridian Specialty
Class fit: in appetite
Hartwell Commercial
Class fit: conditional
See exactly why it fits
Nothing to take on faith. Risker shows which appetite rules a risk hits and misses — class, state, TIV, prior losses, construction — across the whole panel, state-scoped and timestamped so the data is current, not last year’s carrier marketing.
Stand behind what you show a client
Every result is labelled indication vs. bindable, with data freshness — an indication never reads as a bindable quote. Watch the pipeline convert from risk to bound, and never re-route a single lead.
16% bound end-to-end vs 120 risks entered
Your whole book, scored
Win rate, agency Confidence, the submission funnel, and every producer — one live dashboard the moment you sign in.
Meridian Specialty
Class fit: in appetite
Hartwell Commercial
Class fit: conditional
Cascade Mutual
Class fit: not matched
Why agencies switch to Risker
Raters and management systems weren’t built to tell you where a risk will land. Risker is.
| Capability | Risker | Bold Penguin | Tarmika | Semsee | EZLynx |
|---|---|---|---|---|---|
| Ranks every carrier by fit | |||||
| Transparent 0–100 Confidence score | |||||
| Explains why a risk fits | |||||
| Full state-scoped carrier panel | |||||
| Never re-routes your leads to other agents | |||||
| Transparent self-serve pricing | |||||
| Built for speed and security |
Transparent pricing. No lock-in.
Start free, scale when it pays for itself. Every tier includes the full 0–100 Confidence ranking.
Solo
One producer, one state.
- 1 seat · AZ only (Home/Auto/MFH)
- Up to 25 ranked risks / mo
- Full 0–100 Confidence ranking
- Basic why-it-fits explainer
- Community + docs
Pro
Most popularThe everyday agent workflow.
- Unlimited ranked risks
- AZ only (Home/Auto/MFH)
- Full why-it-fits + freshness labels
- AI ACORD & loss-run intake
- Appointment awareness — coming soon
- Same-day onboarding
Agency
Undercuts the incumbents.
- Everything in Pro
- Quote-funnel + appetite dashboards
- Shared team appetite library
- AMS integration — coming soon
- Priority support
Enterprise
Multi-tenant · SSO · every AMS.
- Everything in Agency
- Unlimited seats + isolation
- SSO/SAML + audit logs
- AMS integrations + API — coming soon
- Producer-licensing awareness
- Dedicated success + SLA
Annual billing saves two months. No lock-in — cancel anytime.
Questions, answered
Neither. Raters start from “get me a price”; an AMS starts from “manage my agency.” Risker is the appetite-intelligence layer that sits at the point of submission and answers the question before either: which carriers will say yes to this risk, ranked, and why.
Appetite is modeled per state and per line of business, and every rule is timestamped. When a rule goes stale, results carry a freshness flag — so what you show a client is current, not last year’s carrier marketing.
No. Risker never re-routes or harvests your business — your clients, your leads.
Arizona is live for Home, Auto, and Multi-Family Housing (MFH) across 168 carriers. Additional states and commercial lines are being onboarded — request access and we’ll tell you exactly what’s live for your book.
Every result shows its 0–100 Confidence, its quote type (indication vs. bindable), and a plain-language breakdown of which appetite rules the risk hits and misses. Nothing is a black box, and an indication never reads as a bindable quote.
Self-serve and usable the same day — no multi-month implementation. Every agency runs in an isolated tenant behind a strict nonce-based Content-Security-Policy, with audit logging available on higher tiers.
Your next risk deserves a ranked answer.
Invite-only, built for US independent agents. No cold demo, no sales gauntlet.
Request access