Gwen Ballesteros Vol. 01
Open to new engagements
Home Industries REAL ESTATE

Real estate insurance support, scheduled and serviced.

Commercial lines support for agencies with real estate-heavy books. Property managers, landlords, REITs, commercial property owners, and mixed-use portfolios. Schedule discipline, vacancy tracking, tenant COI management, and the renewal lifecycle from prep through bind.

Real estate is the line where every scheduled property is its own underwriting story, and every vacancy clause matters. A 47-property schedule isn’t 47 risks, it’s 47 micro-cases the underwriter has to evaluate. Property age, sprinklered or not, vacant or occupied, tenant mix, recent renovations. Each one shifts the rate.

I service real estate accounts ranging from single-property owners to portfolio managers running scheduled books across multiple states. The work spans new business quoting, schedule maintenance, certificate of insurance management for tenants and vendors, endorsement processing for property additions and dispositions, and the renewal lifecycle from prep through bind.

Real estate is the line where every scheduled property is its own underwriting story, and every vacancy clause matters.

Coverages I work with daily

What construction accounts actually need

No. 01

Property schedule discipline.

Year-over-year reconciliation between schedule, ACVs, replacement cost values, and actual property data. Inaccuracies on the schedule are the most common source of denied claims.

No. 02

Vacancy management.

Vacancy clauses kick in fast and are often misunderstood. I track vacancy status property by property and stay ahead of coverage suspensions or premium adjustments.

No. 03

Tenant COI tracking.

Active tenant certificates collected, expiration calendars maintained, missing-cert follow-up. The unglamorous work that keeps a landlord’s downstream coverage clean.

No. 04

Renewal prep.

Loss runs analyzed by property, schedule reconciled, exposure data refreshed, and a claims narrative drafted. Submissions go out clean.

No. 05

Carrier appetite.

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

Mid-term endorsements.

Property additions, dispositions, ownership transfers, mortgagee changes. Each endorsement processed cleanly and documented for both insured and lender.

If your real estate book has a complex schedule and a busy renewal calendar, let’s talk.

Whether it’s overflow on a busy property renewal, dedicated support for a single high-touch portfolio, or full back-office for your real estate vertical, I plug into your AMS, reconcile the schedule, and start managing tenant COIs 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.