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We exist to help Employers and Insurers to minimize risk and maximize profits. With over 100 years combined expertise and experience in Insurance, Risk Management and Human Resources, we are your one-stop employer risk reduction solution. Using advanced technology , fueled by Risk Karma, our machine learning engine, we help both companies and insurers to assess, measure (through risk scoring) and mitigate risks in real-time for accuracy in strategic decisions, reduced risk exposure and reduced costs. Benefits to Employers; Reduce financial, legal and reputation costs, Increased compliance, safety and security, Real-Time Risk Assessment and Market Differentiation Benefits to Insurers; Accurate risk scoring through our Risk Karma technology, Insureds who include risk reduction in their strategic decisions, Real-time Premium and Exposure adjustment.