I specialize in construction, renewable energy (solar, battery storage, fuel cells, hydrogen, biomass), and alternative risk/captive insurance programs. I also handle OCIP/CCIP wrap-up programs for large construction projects.

Specialist brokers understand the unique risks, regulations, and market nuances of your industry. I have relationships with underwriters who focus on these niche markets, which means better coverage terms, more competitive pricing, and fewer surprises at claims time.

Non-renewals happen, especially in hard markets or industries perceived as high-risk. I have deep relationships with specialty carriers and alternative markets. My job is to find you coverage even when others say no.

An agent typically represents one or a few insurance companies. A broker represents you, the client, and shops the broader market to find the best coverage and pricing. As a broker at Gallagher, I have access to the full global marketplace.

Captive insurance is a form of self-insurance where your company takes an ownership stake in a company that's sole purpose is to insure its members. It's best suited for companies with approximately $250K+ in annual premium for your General Liability, business Auto and Workers Compensation lines of coverage. Members need a history of strong loss experience (low losses), financially stable, a culture of safety and a desire for more control over their insurance costs. We provide feasibility/Proforma studies to determine if a captive makes sense for your situation.

CORE360® is Gallagher's proprietary risk management framework that evaluates six key cost drivers: program structure, coverage gaps, uninsured losses, loss prevention, contractual liability, and insurance premiums. It provides a comprehensive view of your total cost of risk.

We work primarily with middle-market firms — construction companies with $5M–$500M in revenue and $250K–$2M+ in annual P&C premium. For captive programs, we generally look for firms with $250K+ in premium and a strong safety culture.

Simply reach out via the contact page, call me directly at (916) 217-1299, or email doug_esposito@ajg.com. We'll have an initial conversation about your business and insurance needs, and I'll provide recommendations from there.