Overview
You’ll have coverage you can explain in one conversation, with the exclusions and conditions that matter called out before you commit, and a clear plan for what to do and who to contact if you need to report a claim.
I’ll review what you have now, check for gaps and exclusions that matter, then place coverage with a carrier that fits what you own and how you use it. Next, you’ll see options side by side and pick what you want to bind.
I start by reading the wording, not just the declarations page. Then I match it to the things that change claims outcomes: water entry rules, vacancy and occupancy conditions, deductible structure, replacement cost language, and the endorsements that close common gaps. After that, I shop the market and bring back a short list with plain trade-offs.
About me
I’m Erin MacLeod, an Insurance broker, and I do insurance placement for people who want the policy to make sense before they sign. I got into this work because most surprises in insurance are paperwork surprises. I prefer to find them early, while you can still change the wording, the deductible, or the carrier.
Most clients pick me because I slow the decision down in the right place. I’ll tell you what the policy expects you to do, what it will not pay for, and which endorsements change the outcome on common losses. If I can’t place the coverage you asked for, I’ll show you the specific reason in the wording and what your nearest option is.
Selected work
Here are three recent insurance placement files that show how I handle coverage questions, market changes, and time-sensitive proof requests.
Portfolio
Older home placement. Reviewed prior wording for water entry limits and maintenance conditions, updated rebuild cost, then placed coverage with endorsements that matched the construction and use. The client chose a deductible they could fund without turning a small loss into a cash crunch.
Small contractor renewal. Remarketed a commercial renewal after new work types and a leased space made the old policy mismatch the day-to-day operations. Confirmed liability wording against contract requirements and corrected the vehicle schedule to match what was actually on the road.
Same-day certificate request. Handled a time-sensitive certificate for a landlord and lender, confirmed the required additional insured wording with the carrier, and issued proof the same day. The client avoided a lease delay by sending the correct certificate format the first time.
“I finally understood what was covered, and what I’d be paying if I claimed.”
Homeowner, buying an older house
How I work
Insurance placement goes best when you can make the hard decisions once, write them down, and reuse them at renewal and when something changes. I’ll keep the rhythm predictable, so you know what I’m waiting on and what you’ll see next.
1. First review Days 1-2 I gather what exists today and read it for the parts that change outcomes: exclusions, conditions, and the endorsements that modify them. I’ll come back with a short list of questions that decide coverage, like who lives there, how the building is used, and what you need to show a lender or landlord. 2. Market check Days 3-7 I request quotes and terms, then I compare them for more than price. I’m looking for wording differences that matter at claim time, like water entry limits, vacancy rules, replacement cost language, and whether equipment, tools, or stock are treated the way you expect. 3. Decision call Week 2 You’ll see your options side by side, with the trade-offs written in plain language. We’ll pick limits, deductibles, and endorsements on purpose, not by habit. Once you choose, I confirm the binding details with the carrier and I’ll tell you what the policy expects you to keep doing to stay covered. 4. Ongoing changes Monthly Each month, I handle the changes that make insurance drift out of date: a new vehicle, a new lease, a new activity, updated values, and certificate requests. If a claim happens, I’ll help you report it, answer coverage questions in writing, and follow up with the carrier when the file needs a push.
What it costs
Pick the tier that matches how much reviewing and ongoing change work you want me to handle, then I’ll confirm the final fee once I’ve seen the current policy set. Prices are per month.
Priced items
Getting started
Sign to start insurance placement, then I’ll send a short intake list and book our first review call.
1. Sign the proposal and confirm the policies you want me to place. 2. Pay the 40% setup invoice so I can start the market requests. 3. Send your current policy documents and the details I ask for, then we begin.
Signature
Fee summary
Payment
For one-off insurance placement, you’ll pay 40% to start and the remaining 60% when placement is complete. Ongoing work is invoiced at the start of each month. Every invoice is payable within 7 days.
What I need from you. To quote and place coverage, I need your current policy documents, loss history if available, and the details the carrier asks for. If something changes while I’m quoting, you’ll tell me so I can update the market check.
Market check limits. Quotes depend on what insurers are writing that week and the information submitted. I can’t promise a specific carrier, price, or approval. I will tell you what changed between markets when the wording or exclusions differ.
Scope changes. If the scope expands from one policy to multiple policies, or a personal file becomes a commercial renewal remarket, I’ll confirm the added fee before I do the extra work. Nothing gets billed just because an email thread got longer.
Binding coverage
Coverage is not in force until the insurer confirms binding and any required payment is made. I’ll send you the binder or confirmation once I have it. If you need coverage effective by a certain date, you’ll tell me up front.
Certificates and proofs. I can request certificates and proof of insurance quickly, but the issuing time depends on the carrier. If you have a same-day deadline for a lender or landlord, send the wording requirements and contact details in one message.
Claims support. If a claim happens, I’ll help you report it, gather the documents the adjuster asks for, and push for a coverage answer in plain language. The insurer makes the final coverage and payment decision under the policy wording.
Ownership of work. You own your policy documents and can take them to any broker at any time. My summaries and comparison notes are for your use on this file, and I may reuse the process and checklists behind them on other placements.
