Frequently asked questions
Good questions.
Clear answers.
Start with what you need to know. These answers cover Doug's practice, the risks he helps clients navigate, and how to begin a conversation.
Questions worth asking
11 answers- 01
What industries does Doug Esposito specialize in?
Doug specializes in construction, including data center projects; 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.
- 02
Why work with a specialist broker instead of a generalist?
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.
- 03
What happens if a current carrier declines to renew?
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.
- 04
What is the difference between a broker and an agent?
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.
- 05
What is a captive insurance program?
A captive is a licensed insurance company used to finance risks of its owners or participants. It may fit organizations with the financial capacity, loss data, safety practices, and governance discipline to retain more risk. An actuarial feasibility study should test whether it fits.
- 06
What is the Gallagher CORE360® approach?
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.
- 07
What size businesses does Doug work with?
Doug primarily works with middle-market construction and renewable-energy organizations. Fit depends on the complexity of the operations, contracts, projects, and risk financing needs. A captive discussion also requires reliable loss data, financial capacity, and a willingness to take on governance responsibilities.
- 08
Where does Doug serve clients?
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.
- 09
Does Doug help with claims?
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.
- 10
How does a CORE360® risk review start?
The first conversation covers the business, projects, current program, and the risk questions that deserve a closer look. Doug can then explain what information is needed for a useful review and what the next steps would involve.
- 11
How do I get started?
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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