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

Manufacturing insurance support, product to property.

Commercial lines support for agencies with manufacturing books. From small fabricators to multi-state production facilities. Product liability, equipment breakdown, workers comp accuracy, and the placement detail that keeps the GL form, the product form, and the WC class code all telling the same story.

Manufacturing is the line where the GL form, the product form, and the workers comp class code each tell a different story about the same business. A custom metal shop is a different rate class than a job shop is a different class than a contract manufacturer. The application has to match the operation, and the operation has to match the policy declarations. Misalignment is the most common cause of denied product liability claims.

I service manufacturing accounts ranging from solo fabricators to multi-line production facilities. The work spans new business quoting with detailed product schedules, certificate management for vendors and customers, audit support, and the renewal lifecycle from prep through bind. The discipline is making sure the placement reflects the operation.

Manufacturing is the line where the GL form, the product form, and the workers comp class code each tell a different story about the same business.

Coverages I work with daily

What construction accounts actually need

No. 01

Product liability discipline.

Product schedules accurate, hazard groups correctly classified, foreign exposure addressed, recall coverage considered. Product claims fail or pay based on placement, not on facts.

No. 02

Class code accuracy.

Manufacturing class codes are nuanced. The wrong code costs thousands per year. I review codes against actual operations and push back on misclassifications during audits.

No. 03

Equipment breakdown.

A CNC down for a week can cost more than a building fire. Equipment breakdown limits matched to actual replacement cost and downtime exposure.

No. 04

Workers comp audits.

Manufacturing audits go deep on payroll, OT, subcontractor labor, and class splits. Audit packets prepared with supporting documentation, not just totals.

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

Renewal narratives.

New product line? New equipment? Down year for claims? The story written in one paragraph at the top of the submission, before the underwriter forms their own.

If your manufacturing book has product liability exposure and audit complexity, let’s talk.

Whether it’s overflow on a busy product renewal, dedicated support for a single multi-state manufacturer, or full back-office for your manufacturing vertical, I plug into your AMS, review the product schedule, and start clearing endorsements 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.