Forensic CFO Advisory  ·  Boston, MA

Finding the capital
hidden in your insurance program

Most $50M–$250M companies are overpaying for insurance or carrying coverage gaps that could threaten the business. We find out — at no upfront cost.

32%
Insurance cost reduction
Achieved for a $260M client
$260M
Largest operation managed
20+
Years CFO experience
400+
Clients served
How it works

Three phases. Zero upfront cost.

We use a staged process that protects your time and delivers a clear picture before you commit to anything.

1

Diagnostic conversation

A 30-minute call to understand your operations, industries, and current insurance structure. We identify whether a deeper review makes sense.

2

Forensic audit

We review your GL, Workers' Comp, Stock Throughput, and related hard lines — looking for overcharges, structural inefficiencies, and coverage gaps.

3

Executive findings

You receive a clear summary of what we found and what it means financially. Implementation details follow only after we're aligned on next steps.

Services

Two ways to work together

Start with the audit. Stay for the strategy.

Forensic Risk & Insurance Audit

A deep-dive into your hard insurance lines to identify overcharges, classification errors, and structural gaps. Framed as a capital optimization exercise — not an insurance sales call.

Savings found · 20% of realized savings (2 years) · $10K minimum Coverage gaps found · Risk Mitigation Fee $7,500–$25,000

Fractional CFO Advisory

Ongoing strategic financial leadership for companies that have outgrown their bookkeeper but aren't ready for a full-time CFO. Cash flow, KPIs, ERP modernization, M&A readiness.

Monthly retainer · $5K–$25K depending on scope
Coverage we audit

Hard lines. Forensic lens.

We focus on the insurance categories that carry the most financial weight — and the most room for structural improvement.

General Liability
Classification & audit defense
Workers' Comp
Mod rate management
Stock Throughput
vs. standard property
Commercial Property
Valuation accuracy
Cargo / Inland Marine
Transit exposure
Ocean Cargo
International shipments
Umbrella / Excess
Tower adequacy
Product Liability
Recall & contamination
Business Interruption
Revenue protection gaps
Cyber Liability
Digital exposure
D&O / EPLI
Management liability
Equipment Breakdown
Operational continuity
About

A CFO who actually digs into the details

MWE

Mark W. Emmith, MBA

Founder & Fractional CFO · EBS Risk Advisory, LLC

Most business owners didn't start their company to manage insurance towers or 13-week cash flow forecasts. But once you hit $50M–$100M, the back office starts to feel a lot heavier. That's where I come in. For over 20 years, I've served as CFO for companies in manufacturing, seafood, insurance, and multi-entity environments — finding the hidden leaks that others miss.

32% insurance reduction — $260M operation
M&A exits to Risk Strategies & Brown & Brown
400+ clients · 20% avg. profitability gain
Deloitte & Touché · MBA Taxation
Contact

Let's see if there's money on the table

The first conversation is 30 minutes and completely free. If it's not worth pursuing, I'll tell you that too.

Phone
617.454.4516
Website
www.ebsRiskAdvisory.com
Office
265 Franklin Street
Boston, MA 02110

No upfront cost. If we find savings, we take 20% of what we uncover over the first two policy years — with a $10K minimum. If we identify coverage gaps or material risk exposure, a Risk Mitigation Fee of $7,500–$25,000 applies based on complexity. If we find nothing, you pay nothing.

Request a free diagnostic
No commitment required · Response within one business day