Quality of Earnings · Commercial Insurance

Quality of Earnings. Commercial Insurance.

Marston Row Group helps buyers understand what a business really earns before an acquisition. We also help businesses evaluate insurance when a customer may not pay, a bond is required to bid or perform work, or another specific business risk may call for coverage.

The two paths can overlap, but they do not have to. Start with the problem you actually have.

Explore Quality of Earnings Explore Insurance
01 / Services Two ways to work with Marston

Start with the problem you actually have.

Have an insurance need?

Commercial Insurance

We help businesses evaluate insurance when a customer may not pay, a bond is required, or another specific business risk may call for coverage.

Trade credit insurance · Surety & bonding · Other needs case by case

Explore Insurance
02 / Where they overlap A finding can change the next decision

Sometimes a financial problem becomes a financing or insurance problem.

Customer concentration can affect price, lender appetite, or credit insurance. A bonding requirement can affect whether a contractor can bid or perform work. A carve-out can create new costs and cash needs after close.

When issues cross lanes, Marston follows the problem without pretending one service answers everything.

Earnings

What does the business really earn, and which adjustments hold up?

Cash

How much working capital or liquidity does the business actually need?

Customer risk

Could concentration or non-payment change financing, price, or the case for credit insurance?

Bonding

Does the business need surety capacity to bid, win, or perform work?

03 / Approach Follow the finding

Start with the problem. Then use the right lane.

The goal is a clear next decision, not a longer list of services.

  1. 01

    Define the problem

    What needs to be understood, funded, protected, or decided?

  2. 02

    Get the facts

    Use financial records, contracts, coverage, lender requirements, or other source evidence.

  3. 03

    Compare the paths

    Determine whether the answer belongs in price, structure, financing, insurance, surety, or another specialist lane.

  4. 04

    Keep the roles clear

    Regulated or professional authority stays with the party who actually holds it.

04 / Trust Trust precedes process

The buyer must trust how the answer was reached.

01

Evidence stays visible

Facts, inferences, assumptions, and unresolved questions should never blur together.

02

Scope stays narrow

Scope expands when a finding creates a real need.

03

Relationships stay protected

Referral partners keep their role. Confidential information stays inside its permitted purpose.

For CPAs, attorneys, lenders, M&A advisors, insurance professionals, and other referral partners, the handoff should protect the client relationship.

Refer a QoE situation Refer an insurance need
05 / Firm Direct accountability

Directly led. Directly accountable.

Each engagement has one accountable lead from the first question through final judgment.

Specialists are added only when the transaction requires their authority or expertise.

Responsibility for the financial conclusion stays clear.

06 / Contact Direct + confidential

Start with the problem you need to solve.

For a transaction, send the target and process stage. For insurance, send the business, exposure, and timing. A short first note is enough.

Email · preferred
Role boundaries Read disclosures

Services are subject to the agreed scope and any applicable licensing or professional authority.