Gwen Ballesteros Vol. 01
Open to new engagements
Home Industries CONSTRUCTION

Construction insurance support, end to end.

Commercial lines support for agencies and brokerages with construction-heavy books. From general contractors and subcontractors to builders risk, trade specialties, and inland marine — quoting, binding, servicing, and renewing every line in the contractor's coverage stack.

Construction is the line of business where the smallest documentation oversight becomes the largest claim liability. Additional insureds named wrong, waivers of subrogation missing, primary-and-noncontributory language buried in a contract — any one of those can land an agency in an E&O conversation. Construction accounts reward operators who treat documentation like the work product it actually is.

I service construction accounts ranging from solo electricians and plumbers up through GCs running multi-state portfolios. The work spans new business quoting, certificate management, endorsement processing, audit support, and the renewal lifecycle from prep through bind. Across every account size, the discipline is the same: get the certificates right, read the contract before you bind, and stay ahead of audit season.

Construction is the line where the smallest documentation oversight becomes the largest claim liability.

Coverages I work with daily

What construction accounts actually need

No. 01

Certificates done right.

Additional insured language matched to contract requirements. Waivers of subrogation noted where required. Primary-and-noncontributory endorsements verified. Certificates issued within hours, not days.

No. 02

Audit readiness.

Workers' comp audits live or die by clean payroll documentation and accurate class codes. I prep audit packets month-by-month so year-end isn't a scramble, and I push back on misclassifications that inflate premiums.

No. 03

Subcontractor tracking.

Active COIs, expiration calendars, missing-cert follow-up — the unglamorous work that keeps a GC's downstream coverage clean. Build it once with a process, run it on autopilot.

No. 04

Renewal narratives.

The story of the year, told in one paragraph at the top of every submission. New crew? New work types? Loss frequency closed out? Underwriters skim. A clear narrative wins the close call.

No. 05

Carrier placement.

Construction is appetite-sensitive. I know which carriers write trade contractors, who's open to artisan, who's writing residential vs commercial, and where E&S is the right move. Less ping-pong, more bound business.

No. 06

Endorsement discipline.

Mid-term changes are where construction accounts grow or shrink. New trucks, new states, new project types, new payroll. Each endorsement processed cleanly, documented in the AMS, and communicated to the insured.

If your construction book needs a steady hand on the desk, let's talk.

Whether it's overflow on a busy renewal month, dedicated support for a single high-touch account, or full back-office for your construction vertical — I plug into your AMS, learn your appetite, and start clearing certificates by week one.

Start a conversation →
What happens next
  1. Tell me about your book15-minute call. No commitment, no pitch deck.
  2. Pick a starter sliceA few renewals or one vertical. Low-risk pilot.
  3. Plug into your AMSI learn your workflow. Producing by week one.
  4. Review at the quarterDecide together what scales and what doesn’t.