Question 1

What industries does Doug Esposito specialize in?

Accepted Answer

Doug specializes in construction, renewable energy—including solar, wind, battery storage, microgrids, co-generation, fuel cells, hydrogen, biomass, and gasification—and captive and alternative-risk programs. He also advises on OCIP and CCIP wrap-ups for large construction projects.

Question 2

Why work with a specialist broker instead of a generalist?

Accepted Answer

A specialist understands the contracts, operating realities, regulations, and insurance-market nuances of the industry. That experience makes coverage conversations more specific, helps reveal gaps earlier, and supports clearer discussions with underwriters.

Question 3

What happens if a current carrier declines to renew?

Accepted Answer

A non-renewal changes the path, but it does not end the conversation. Doug can evaluate the reason, organize the risk story, identify specialty and alternative markets, and help the business understand the tradeoffs between available structures.

Question 4

What is the difference between a broker and an agent?

Accepted Answer

An agent typically represents one or a limited group of insurance companies. A broker represents the client in the market. Through Gallagher, Doug can bring broad market access and specialized resources to the discussion.

Question 5

What is a captive insurance program?

Accepted Answer

A captive is a form of self-insurance in which a business takes an ownership interest in an insurance company created to insure its members. It is generally best suited to financially stable organizations with roughly $250K or more in casualty premium, strong loss experience, a safety culture, and a desire for greater control. A feasibility study determines whether the structure fits.

Question 6

What is the Gallagher CORE360® approach?

Accepted Answer

CORE360® is Gallagher’s framework for looking beyond premium alone. It examines program structure, coverage gaps, uninsured and uninsurable loss, loss prevention and claims, contractual liability, and insurance premiums as connected drivers of total cost of risk.

Question 7

What size businesses does Doug work with?

Accepted Answer

Doug primarily works with middle-market construction and renewable-energy organizations. Construction clients often have approximately $5M–$500M in revenue and $250K–$2M+ in annual property and casualty premium. Captive conversations generally begin around $250K+ in casualty premium alongside stable finances and strong loss performance.

Question 8

Where does Doug serve clients?

Accepted Answer

Doug is based in Reno, Nevada and Sacramento, California and serves clients throughout the United States. Gallagher’s national and global resources can support projects and exposures that require broader reach.

Question 9

Does Doug help with claims?

Accepted Answer

Yes. Doug works with clients and carriers during the claims process, helps clarify next steps, advocates for fair and timely resolution, and uses claims analysis to identify patterns and improve loss-prevention strategy.

Question 10

Is a CORE360® risk review complimentary?

Accepted Answer

The initial CORE360® risk review is complimentary and carries no obligation. It is designed to identify questions, gaps, and cost drivers that deserve a closer look before a client decides what to do next.

Question 11

How do I get started?

Accepted Answer

Start with the project or business problem—not an insurance application. Share what you are building, where it stands, and what deserves a closer look. Doug can then determine what information would make the first conversation useful. Call (916) 217-1299, email doug_esposito@ajg.com, or use the contact page.

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What industries does Doug Esposito specialize in?