Doug Esposito / Expertise
A connected view of risk.
Construction, renewable energy, and alternative risk financing bring different decisions into one project. Doug helps clients see how those decisions affect each other.
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 · Check status with California DOI
- Education
- Bachelor of Science, North Carolina State University
- Professional profile
- Doug on LinkedIn
Selected public record
Experience others have documented.
Follow the risk across
the handoffs.
Consider a renewable project whose contractor is also the EPC. One project can raise contract, coverage, operating, and financing questions at different moments. This illustrative path shows how those decisions connect.
- 01The agreementExplore Construction risk
A contractor is also the EPC.
Which obligations sit with the contractor, which pass to subcontractors, and where do policy terms respond?
- 02The handoverExplore Renewable energy
The project becomes an operating asset.
When do construction coverages end, operational coverages begin, and lender requirements change?
- 03The financingExplore Captive & alternative risk
The business considers retaining more risk.
What do losses, collateral, claims control, and governance mean for the capital at stake?
Premium is one number.
Risk is a system.
CORE360® examines six connected drivers of total cost of risk. The first conversation identifies which questions deserve a closer look.
- 01
Program structure
How policies, retentions, limits, and risk-financing choices work together.
- 02
Coverage gaps
Potential costs created by exclusions, sublimits, and disconnects between policies.
- 03
Uninsured and uninsurable loss
Exposure the business retains intentionally, unknowingly, or because insurance is unavailable.
- 04
Loss prevention and claims
The effect of safety, loss control, claims management, and recovery strategy.
- 05
Contractual liability
Risk transferred to or assumed from clients, partners, vendors, and subcontractors.
- 06
Insurance premiums
Premium, fees, and broker compensation viewed as one part of total cost of risk.
From first question
to ongoing service.
- 01
Discovery
Review operations, projects, contracts, loss history, risk tolerance, and the current program.
- 02
Market analysis
Frame the risk story and evaluate traditional, specialty, and alternative-market options.
- 03
Proposal review
Compare coverage, structure, exclusions, retentions, service, and cost—not premium alone.
- 04
Implementation
Coordinate binding, documentation, certificates, and the transition into the selected program.
- 05
Ongoing service
Support claims, monitor performance, revisit exposures, and pursue continual improvement.
Individual advice.
Wider resources.
Doug advises clients through Gallagher. The firm’s construction and energy practices provide wider specialist resources when a project calls for them.
Explore Gallagher’s construction practice and renewable-energy risk thinking. These are Gallagher-wide resources, not claims about Doug’s personal client portfolio.
Reno · Sacramento · Nationwide