CSPCHSTMBALicensed TX P&C13 yrs

Run your whole safety program in one app. Then watch your premium drop.

Incidents, inspections, SDS and evacuation muster in a branded app your crews actually use, built by a Certified Safety Professional who is also a licensed Texas insurance agent. Fewer incidents lower your EMR, the experience modifier your carrier multiplies your premium by, and that is money back every renewal. Thirteen years across oil and gas, construction, wind and solar, manufacturing, and fleet.

Serving DFW and nationwide. Veteran-owned.

What your crews open every morning

One app for the whole program. Branded to your company, published under your name.
The State 28 safety app running on a phone
  • Report an incident or hazard from the job site
  • Muster and headcount when the alarm goes off
  • Permits, inspections and tailboards on the phone
  • Mass alerts by text and push in one tap
  • Every check-in records where it was made
Book a walkthrough
Fifteen minutes, on your sites and your scenario.
The system, made real

Your safety program, in one app you actually own.

The "system that does it all" isn't a slide. It's live software we build and run: real-time personnel accountability, incident reporting from the field, instant alerts, and multi-site dashboards, branded to your company.

  • Real-time muster and headcount when it matters most
  • Field incident and hazard reporting from any phone
  • Instant mass alerts by text and push notification
  • Multi-site dashboards and OSHA-style documentation
See how the app works
A State 28 crew in PPE working an industrial gas site
The money side

And your workers' comp premium comes down with it.

Your EMR is the number your carrier multiplies your workers' comp premium by. It compares your claims history to others in your industry. 1.0 is average. Below 1.0 you pay less than average for the same coverage, above it you pay a penalty, and many general contractors won't let you bid at all above a set threshold. Fewer incidents move it down, and the premium follows.

Nobody needs to know that acronym to use the app. It just means the safety work pays for itself.

EMR Savings Estimator

Move the sliders to see what a lower mod is worth on your premium.
Estimated annual savings
$34,800
At a target EMR near 0.90
Directional estimate based on typical mod reductions for your industry. Your actual number depends on your loss history and claims. We confirm it in the free review.
Get the breakdown
13yrs
In the field, across 5 industries
2
Board certifications (CSP, CHST)
1
App to run your whole program
P&C
Licensed to place your coverage
One partner. Three moves.

Most safety firms hand you a binder. We hand you software your crews actually open.

The app, the safety program behind it, and the insurance that rides on both, from one certified operator instead of three vendors who don't talk to each other.

01

Own the app

You get a branded safety app, built by us, so your team runs muster, reporting, permits and alerts from one place you actually own.

02

Run the program

We build and manage the safety management system behind it: training, audits, claims control, OSHA-ready documentation.

03

Cut the cost

Fewer incidents drive your experience modifier down, and your workers' comp premium follows it. That is money back every renewal.

Dustin Smith, CSP, founder of State 28 Safety
Meet Dustin

A certified safety professional who also builds the software.

"I get in the door by lowering what you pay, then I build the system that keeps it there. Same person, start to finish."

Dustin Smith is a Certified Safety Professional and licensed Texas property & casualty agent with 13 years across oil & gas, construction, wind & solar, manufacturing, and fleet. That combination, a credentialed safety expert who can also place your coverage and build your tools, is rare, and it's the whole point of State 28.

CSP · Certified Safety Professional CHST · Construction Health & Safety Technician Licensed TX P&C Agent MBA, Finance Veteran-Owned

Don't take our word for it. Look up CSP #40734 and CHST #12972 in the BCSP directory, and TX P&C license #3527728 at the Texas Department of Insurance.

More about Dustin
The work

Thirteen years, real sites, real hazards.

Oil & gas, substations, construction, manufacturing, and utilities across the country. Not stock photos. Actual job sites.

Refinery construction site at sunset
Refinery construction · turnaround
Electrical substation at dusk
Site supervisor overlooking an industrial facility
Aerial view of an industrial processing facility
Power substation at sunset
Industries

Built for the high-hazard verticals where a lower mod is worth the most.

Oil & GasWind & SolarConstruction ManufacturingFleet & TransportationSubstations & Transmission Heavy CivilWaste Water
Wind, solar, substations and transmission are where the app earns its keep, because the crews are spread across sites and the permits travel with them. See how it works on a renewables site, or check the credentials yourself.
Answers

What contractors ask before the first call.

What does a custom safety app include?
A branded application you own: real-time personnel accountability and muster, field incident and hazard reporting, instant mass alerts by text and push, and multi-site dashboards, published under your company on the App Store and Google Play. It's the same system we use to run your program, in your hands.
What is an EMR rating and why does it matter?
Your Experience Modification Rate (EMR) is a number that compares your workers' compensation claims history to others in your industry. An EMR of 1.0 is average. Below 1.0 means you pay less than average for the same coverage; above 1.0 means you pay a penalty. Because your premium is multiplied by your EMR, lowering it directly lowers what you pay, and many general contractors won't let you bid a job with an EMR above a set threshold.
How much can a lower EMR actually save?
It depends on your payroll, current mod, and loss history, but the savings scale directly with premium: cut the modifier and the premium follows. Our free review gives you a specific, defensible number for your business rather than a generic figure. The estimator above is a directional starting point.
How long until I actually see the savings?
Your mod is calculated on roughly three years of payroll and loss history, so it moves over one to three policy years rather than overnight. The safety and claims work starts protecting your next mod right away, and we show you the realistic timeline for your specific situation in the free review.
Why would a licensed insurance agent want to lower my premium?
Fair question, and the honest answer is our model. We lead with the safety work that reduces your total cost of risk, and we earn on the long-term relationship of running your program and your software, not on maximizing a single premium. Lowering your EMR is how we prove the relationship is worth keeping.
Do you work outside of Texas?
Yes. Safety consulting and the software are delivered nationwide. Insurance placement is offered where we are licensed. Tell us where you operate and we'll confirm what we can do in your state.
Start here

See it running on your own sites.

Fifteen minutes with Dustin, on your scenario, not a canned demo. If you'd rather start with the money, ask for the free EMR review instead. Either one gets you the same person.

Call Book a walkthrough