A pre-engagement reference for CFOs and CEOs evaluating whether OuterBridge is the right fit. For anything not answered here, the Phase 1 Discovery conversation is the right next step.
Most commercial insurance agents give recommendations with no analytical support behind them. We start with the Risk AFE — a board-ready capital allocation case built on the same methods CFOs already use for capex (NPV, IRR, payback, sensitivity, and Monte Carlo scenario analysis) — so the recommendation arrives with the analysis behind it. From there, we execute: placing the insurance program as your agent of record on disclosed commission, assisting with risk mitigation alongside your operations team, and tracking realized value year over year through the Variance Bridge and Risk Capital Value Bridge. The AFE is the differentiator; the placement, mitigation, and ongoing service are the execution.
When the analysis supports it and you want us to. Placement is the execution of the Risk AFE recommendation, on disclosed commission, and we act as your agent of record from binding forward. The bundled engagement (advisory plus placement) is typically structured to deliver a lower total cost to you than running advisory with us and placement through a separate broker. We are equally comfortable producing the Risk AFE and leaving placement with your incumbent broker if that is your preference; in that case the advisory fee stands on its own.
Pricing is structured, transparent, and tied to engagement complexity rather than negotiation. Specific scope and fee are confirmed in the Phase 1 Discovery conversation.
Phase 1 Discovery is a single 60 to 90 minute meeting. The full Risk AFE build (Phases 2 through 5) typically runs six to twelve weeks depending on scope and the speed of data assembly on your side. Phases 6 and 7 are ongoing: binding-cycle variance tracking and annual realized-value reporting.
No. You can keep your incumbent broker relationship intact. In that case we deliver the Risk AFE as a standalone advisory engagement — you receive the analysis and recommendation, and your incumbent implements it as they see fit. We do not coordinate placement with the incumbent broker on your behalf. If the analysis supports a different placement structure and you want us to execute it, we place the program ourselves as your agent of record on disclosed commission. On economics: the bundled engagement, when we handle both advisory and placement, is typically structured to deliver a lower total cost than running advisory with us plus placement through a separate broker.
The Phase 1 Discovery meeting is one 60 to 90 minute conversation, no preparation required. The full build typically requires 8 to 15 hours of internal time across the engagement, distributed across whoever owns the underlying data — typically your controller or risk manager for exposure and loss data, HR for payroll detail, and operations leads for property, fleet, or safety information. CFO time is usually 3 to 5 hours: the kickoff framing, risk appetite discussion, and final AFE review. We do the analysis.
The Risk AFE — a board-ready document structured exactly like the Authorization for Expenditure your team uses for capex. Includes NPV, IRR, payback, sensitivity, and Monte Carlo scenario analysis. Names a Strategy A counterfactual and a Strategy B recommendation, with a confidence range rather than a point estimate. If we execute the recommendation, you also receive placement of the insurance program on disclosed commission, agent of record servicing, assistance on mitigation initiatives alongside your operations team, and ongoing tracking via the Variance Bridge (annual reconciliation) and Risk Capital Value Bridge (annual value decomposition).
We place commercial programs and act as agent of record across industries spanning construction, finance, technology, retail, manufacturing, transportation, and more. Four of those industries carry dedicated datasets, loss-pattern libraries, and Risk AFE methodology built specifically for their exposure architecture: Wholesale Distribution, Multifamily Housing, CRE Leasing, and Golf Course and Club Operations. Adjacent industries handled case by case, with the Phase 1 Discovery conversation as the place to confirm fit.