A Risk AFE for the multi-line distribution program.

The cost line that runs across every operation. Your total cost of commercial risk (premium, retained losses, mitigation spend, and administration) is likely sitting at 5 to 15 percent of EBITDA at distribution scale. Fleet alone often carries the largest single-line opportunity: telematics, hard-braking and aggressive-driving controls, and route discipline have peer-reviewed effectiveness data the Risk AFE translates directly into modeled NPV and a payback period. Warehouse workers comp tells the same story; the analysis runs the same way. The insurance program structure is the other recovery lever: retentions, layering, and collateral choices all carry NPV impact the Risk AFE quantifies on the same panel. We do the work, you decide.

As CEO of a distribution business, every commercial risk decision is an enterprise-value question — and a back-office workload that has no business taking your time. The Risk AFE removes both. Multi-line risk capital decisions arrive at your desk as analytical recommendations packaged the way your team would build any other capital case: NPV with confidence ranges, payback period, sensitivity tornado, EBITDA volatility translated to enterprise value at your industry multiple. You approve. The program runs without your personal involvement. The Risk Capital Value Bridge each fiscal year decomposes realized value into the same format an acquirer or lender already uses, so when the diligence room eventually opens, the work is already done.