Decrease Risk. Increase Profitability.

RiskScore is IOA’s proprietary risk assessment method, built to identify the solutions that decrease risk while increasing profitability. Rather than reacting to losses after they happen, RiskScore looks at the moments in your business where risk is actually created — and gives you a clear plan to address them.

Commercial Insurance

How RiskScore Works

RiskScore identifies the key strategies that drive risk across four critical stages of your organization’s workflow:

  • Pre-Hire — Screening and selection practices that reduce exposure before an employee joins your team.
  • Post-Offer — Onboarding, medical questionnaires, and job-fit processes that set new hires up for safe, productive work.
  • Pre-Claim — Safety programs, training, and early-intervention resources that prevent incidents from becoming claims.
  • Post-Claim — Claims management, transitional duty, and advocacy strategies that control costs once a claim occurs.

What’s Included

  • Annual Stewardship Report — A yearly review of your risk profile, progress against goals, and recommended next steps.
  • Risk Advocate Guidance — Your dedicated Risk Advocate supports the implementation of risk-reducing strategies and tracks their impact over time.

Contact Risk Services to learn how RiskScore can support your business.