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Chapter 8 - THE INSURANCE MAN’S BRIEFCASE

“Frank Marino,” I said, the name leaving a bitter taste in my mouth.

Luca frowned. “Frank? My insurance broker?”

“Yes, sir.”

I set Leo down gently, holding his hand as I walked closer to the table.

“Think about it,” I explained, my mind racing through the events of the evening. “Vanessa said she had an appraisal done for wedding insurance. Frank was sitting right there. He immediately denied it, saying household silver didn’t need an appraisal for a wedding policy.”

“He was protecting himself,” Luca realized.

“Exactly. He threw Vanessa under the bus to distance himself. But Frank is the only person who had access to your exact household inventory lists. He knows the weight, the patterns, and the value of every single piece of silver in this house.”

Luca’s eyes darkened. “He sourced the electroplated replicas.”

“He used his connections to buy the fakes, gave them to Marco to swap, and planned to collect his cut of the pawn money.”

I pointed to the shattered padlock on the empty master chest.

“But that’s not the worst part, sir.”

“What is?”

“Frank insured the original collection for its full appraisal value,” I said. “He probably drafted a separate, secret policy. Once Marco and Vanessa fenced the real silver, Frank was going to file a claim reporting it stolen, and pocket the multi-million dollar insurance payout himself.”

The sheer scale of the betrayal was staggering. It wasn’t just a desperate fiancée and a greedy bodyguard. It was a coordinated, inside-job syndicate designed to bleed Luca dry from three different angles.

“Where is Frank?” Luca demanded, his voice returning to that terrifying, calm register.

“Marco pushed him out with the other guests,” I remembered. “But Frank didn’t drive here. He took a cab from his downtown office. I saw him arrive.”

“Which means his coat and briefcase are still in the coat room,” Luca said.

“I’ll get them,” I offered.

“No. Stay with Leo.”

Luca strode out of the dining room.

A minute later, he returned carrying a heavy, black leather briefcase. The initials F.M. were stamped in gold near the handle.

Luca didn’t bother looking for a key. He set the briefcase on the table, pulled a small folding knife from his pocket, and sliced the leather around the brass locks.

He ripped the briefcase open.

Inside were neat stacks of paperwork, a laptop, and several thick manila folders.

Luca grabbed the first folder. It was labeled: MORETTI ESTATE - APPRAISAL.

He opened it.

Inside were the forged appraisal documents Vanessa had mentioned, detailing the full value of the silver collection. And attached to the back was a newly drafted insurance policy, naming a shell company as the primary beneficiary in the event of theft.

“You were right,” Luca said, his jaw tight. “He was going to double-dip. Sell the silver to the Syndicate, then collect the insurance money.”

He tossed the folder aside and picked up another one.

This one was much thicker.

It wasn’t labeled.

Luca opened it, and his face went completely pale.

“Sir?” I asked nervously. “What is it?”

Luca didn’t answer. He just stared at the documents, his hands slightly trembling.

I stepped closer and looked over his shoulder.

They were blueprints. Detailed, architectural schematics.

But not of the mansion.

They were blueprints of Luca’s legitimate businesses. His restaurants, his shipping warehouses, his downtown office buildings.

Every single entry point, security camera location, and vault schematic was meticulously highlighted in red ink.

And clipped to the very front was a handwritten note.

The Moretti infrastructure is vulnerable. The inside men are in place. Awaiting your signal to initiate the buyout.

It was addressed to Carmine Falcone.

The boss of the rival North Side family.

“Frank wasn’t just stealing silver,” Luca whispered, the true magnitude of the plot finally hitting him. “He was selling my entire empire to my enemies. The silver theft was just a distraction to keep me busy while Falcone positioned his men to take over my businesses.”

My blood ran cold.

“If Falcone has these blueprints,” I said, “he can dismantle your legitimate operations overnight.”

“He doesn’t have them yet,” Luca said, looking at the briefcase. “Frank was probably planning to deliver these tonight after the engagement dinner.”

Luca pulled out his phone and dialed a number.

“Daniel,” Luca barked as soon as the line connected.

“Yes, Boss?”

“Take ten men. Go to Frank Marino’s downtown apartment. Kick the door in. I want him alive, and I want him brought to the warehouse.”

“Understood.”

Luca hung up. He looked at the blueprints, then at me.

“Emma, I need to ask you for one more favor.”

“Anything, sir.”

“Frank has been handling my accounts for five years,” Luca said. “If he’s been planning this takeover with Falcone, he’s been hiding money in the ledgers to fund it. I need someone to audit the personal accounts.”

“Sir, I’m a maid. I don’t know anything about corporate accounting.”

“You know how to spot a fake,” Luca said firmly. “You know when numbers don’t add up. Your mother ran a pawn shop. She taught you how to read the hidden margins.”

He pointed to the laptop in the briefcase.

“I need you to look at Frank’s private ledgers. Find the shell company he’s using to funnel the money to Falcone. If I can cut off the funding tonight, I can stop the takeover before it begins.”

I looked at the laptop.

Then I looked at Leo, who was holding my hand tightly.

May you like

“I’ll do it,” I said.

TITLE: THE SHELL COMPANY

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