Analytical rigor previously reserved for the largest companies, now applied to the middle market.

Most middle market CFOs spend $20K to $30K of their personal time per year analyzing an insurance program their broker renews but does not analyze. Your company’s total annual cost of commercial risk (premium, retained losses, mitigation spend, and administration) is likely sitting at 5 to 15 percent of EBITDA: recoverable margin and enterprise value waiting to be captured, and the analytical gap inside it is where most of the recovery lives. In the financial language you already use, we analyze and tell you where your company’s recoverable margin from risk costs lives, provide solutions for you and the rest of the management team to approve, and then run the program for you. You get back the time, the margin, and a documented program that survives executive transitions and holds up under acquirer diligence.

Risk decisions move enterprise value. Managing them should not move your calendar. The Risk AFE arrives in finished form — a recommendation built on the same analytical methods your team applies to every other capital decision, with confidence ranges, sensitivity, EBITDA volatility, and EV impact at your industry multiple already quantified. You sign. The program executes without your time. Each fiscal year, a Risk Capital Value Bridge ties what was delivered back to enterprise value, in the same waterfall format the board or an acquirer would build themselves — so when the diligence room opens or the lender re-tests covenants, the documentation is already standing.