Your risk data should belong to you, not the carrier.
For decades, the data that describes your property risk has lived inside someone else's system: a carrier portal, a consultant database, or a renewal file you do not control. RiskTools unbundles that data layer and hands it back to you across the risk-engineering lifecycle.
Control your data, and you control the conversation.
When your impairment records, loss-prevention recommendations, loss estimates, and insured values sit inside a carrier's system, they are shaped around the carrier's interests and may not come with you when the relationship ends.
Unbundled means independent.
RiskTools is not a carrier or a broker. It is the neutral system of record that stays with you as engineers, brokers, and insurers come and go, so your risk history is never locked to a single relationship.
What unbundling gives every department.
RiskTools gives you a single, in-depth record that explains the why behind each recommendation and exposure, with clear information for the teams that actually have to act on it.
Legal
Support leases and regulatory compliance, including High-Piled Storage permits, with defensible impairment and recommendation records.
Engineering
Identify plant hazards, develop protection strategies, and drive every recommendation through to closure.
Construction
Carry loss-prevention insight into renovations and new builds, and follow plan reviews through to completion.
Real Estate
Set uniform loss-prevention standards across every facility, with values trended portfolio-wide.
Procurement
Scope fire-protection maintenance and testing needs using equipment benchmarking and analytics.
Safety & Health
Support audits and COPE data analysis with structured data everyone can actually reach.
For brokers
Complete, well-explained data is invaluable when marketing an insured's portfolio at renewal.
- Market the portfolio with a full, credible risk picture rather than thin carrier summaries.
- Quantify natural-hazard exposure, including earthquake, windstorm, and flood, with modeling modifiers and loss estimates.
- Give carriers confidence by turning previously unknown variables into documented ones.
- Control exactly what is released to each market, and when.
You decide what reaches the market
Because RiskTools is carrier-neutral, your history stays with you when engineers or insurers change.
- Your impairments, recommendations, values, and loss estimates stay in one place you own.
- Release data to a specific insurer or subscribing market on your schedule.
- Avoid vendor lock-in by exporting and moving your data whenever you choose.
- Maintain one source of truth across brokers, lead insurers, and subscribing markets.
Credible to every carrier, not just one.
RiskTools is built around the standards the market already trusts, with structures aligned to NFPA and FM guidance. Because the platform is independent of any insurer, your records carry weight across the insurance community rather than reflecting a single carrier's priorities.
Ready to unbundle?
See how RiskTools puts your impairments, recommendations, values, and loss estimates back in your hands, starting with fire protection impairment management today and growing into the full platform.
Fire Protection Impairment Management starts at $999/year. Enterprise options are available for large multinational portfolios.