Doug EspositoGallagher · CA #0D93763
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Authoritative practice dossier · Updated September 2026

The complete
risk picture.

A reference file for Doug’s experience, credentials, service scope, process, and the businesses he is best positioned to help.

Put a project on the table Meet Doug
02 / Credentials

Specialist perspective,
earned over time.

Doug has spent more than 27 years in property and casualty insurance, including over two decades focused on construction and renewable energy. His work connects contracts, field conditions, asset performance, claims, and capital—because those risks rarely stay in separate lanes.

Professional designation
Construction Risk and Insurance Specialist (CRIS)
California insurance license
#0D93763
Education
Bachelor of Science in Animal Science, North Carolina State University
Recognition
Insurance Business America Top 100, 2019
Academic service
Panelist for Columbia University’s School of Professional Studies Construction Administration master’s program since 2022
Industry affiliations
Construction Financial Management Association (CFMA) · California Solar & Storage Association (CalSSA) · Solar Energy Industries Association (SEIA)
  1. 01

    Foundation

    Southwestern Company

    Learned persistence, preparation, and the value of a direct conversation through door-to-door sales.
  2. 02

    Construction focus

    Aon Construction Services Group

    Built specialized property and casualty experience around contractors and complex construction risks.
  3. 03

    Practice leadership

    Owen-Dunn Insurance Services

    Advanced a specialist approach to construction, renewable energy, and client advocacy.
  4. 04

    2017–2025

    AssuredPartners

    Led and expanded construction, renewable energy, and captive risk work for middle-market clients.
  5. 05

    Today

    Arthur J. Gallagher & Co.

    Senior Vice President advising construction and renewable-energy businesses and leading captive-practice work.
03 / Practice scope

Three disciplines.
One connected view.

Doug’s work is concentrated where construction, energy assets, contracts, and alternative risk financing meet.

Best-fit discussions begin with the business and the project—not an application.
01

Construction Insurance & Risk Management

Program design and risk advice built around how contractors, specialty trades, solar installers, and EPC firms actually operate.

Typical fitPrimarily middle-market construction firms with roughly $5M–$500M in revenue and $250K–$2M+ in annual property and casualty premium.
  • General liability, commercial auto, workers’ compensation, umbrella and excess liability
  • Builders risk, cyber, directors and officers, and employment practices liability
  • OCIP and CCIP wrap-up program consultation
  • Subcontractor default insurance (SDI)
  • Surety bond coordination
  • Loss-control and safety-program development
  • Contract review for insurance requirements
  • Claims advocacy and ongoing program analysis
02

Renewable Energy Insurance

Construction and operational risk programs for renewable assets, developers, independent power producers, EPCs, and contractors.

Typical fitCommercial, C&I, and utility-scale projects with construction, operating, lender, investor, or contractual requirements.
  • Solar PV, wind, battery storage, microgrids, co-generation, fuel cells, hydrogen, biomass, and gasification
  • Builders risk for projects under construction
  • Operational property and business interruption
  • Professional liability for developers and project participants
  • Project-finance and lender-compliance support
  • Environmental liability
  • Investment tax credit (ITC) insurance and performance-guarantee considerations
03

Captive & Alternative Risk

Feasibility, structure, and governance support for organizations seeking more control and long-term alignment in risk financing.

Typical fitGenerally firms with $250K+ in casualty premium, stable finances, strong loss performance, a safety culture, and a desire for greater control.
  • Single-parent captives and segregated-cell structures
  • Group member-owned captive programs
  • Large-deductible and retrospective programs
  • Actuarial feasibility and pro forma studies
  • Program governance, captive management, and regulatory coordination
  • Claims control, financial transparency, and potential underwriting-profit or dividend participation
04 / Gallagher CORE360®

Premium is one number.
Risk is a system.

CORE360® examines six connected drivers of total cost of risk. The initial review is complimentary and carries no obligation.

  1. 01

    Program structure

    How policies, retentions, limits, and risk-financing choices work together.

  2. 02

    Coverage gaps

    Potential costs created by exclusions, sublimits, and disconnects between policies.

  3. 03

    Uninsured and uninsurable loss

    Exposure the business retains intentionally, unknowingly, or because insurance is unavailable.

  4. 04

    Loss prevention and claims

    The effect of safety, loss control, claims management, and recovery strategy.

  5. 05

    Contractual liability

    Risk transferred to or assumed from clients, partners, vendors, and subcontractors.

  6. 06

    Insurance premiums

    Premium, fees, and broker compensation viewed as one part of total cost of risk.

05 / Advisory process

From first question
to continual improvement.

  1. 01

    Discovery

    Review operations, projects, contracts, loss history, risk tolerance, and the current program.

  2. 02

    Market analysis

    Frame the risk story and evaluate traditional, specialty, and alternative-market options.

  3. 03

    Proposal review

    Compare coverage, structure, exclusions, retentions, service, and cost—not premium alone.

  4. 04

    Implementation

    Coordinate binding, documentation, certificates, and the transition into the selected program.

  5. 05

    Ongoing service

    Support claims, monitor performance, revisit exposures, and pursue continual improvement.

06 / Gallagher practice scale

Specialist advice.
Global resources.

Doug’s individual involvement is supported by Gallagher’s construction and energy practices.

31,000+
construction clients served globally
$2.5B+
construction premium placed annually
1,440+
currently managed CIP programs
$40B+
CIP construction value
600+
dedicated construction specialists
4,025+
United States energy clients
Figures verified against current Gallagher materials in September 2026. Construction figures: Gallagher Construction. Energy client figure: Gallagher Energy. Practice statistics remain time-sensitive.

Reno · Sacramento · Nationwide

Start with the project.

Tell Doug what you are building, where it stands, and what deserves a closer look.
Start a conversation doug_esposito@ajg.com(916) 217-1299