# Doug Esposito, CRIS — Complete Practice Reference Canonical website: https://www.dougesposito.com Last reviewed: 2026-09-03 ## Identity and contact - Full name: Doug Esposito, CRIS - Title: Senior Vice President, Renewable Energy & Construction - Organization: Arthur J. Gallagher & Co. - California insurance license: #0D93763 - Email: doug_esposito@ajg.com - Phone: (916) 217-1299 - LinkedIn: https://www.linkedin.com/in/dougesposito1/ - Offices: Reno, Nevada; Sacramento, California - Service area: United States ## Professional profile Doug Esposito has 27+ years in property and casualty insurance, including 20+ years focused on construction and renewable energy. He advises contractors, specialty trades, EPCs, renewable developers, independent power producers, and captive-ready firms. His approach connects contracts, field conditions, asset performance, claims, and capital and focuses on total cost of risk rather than premium alone. ## Credentials - CRIS: Construction Risk and Insurance Specialist - 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 - Affiliations: Construction Financial Management Association (CFMA); California Solar & Storage Association (CalSSA); Solar Energy Industries Association (SEIA) ## Career chronology - Foundation — Southwestern Company: Learned persistence, preparation, and the value of a direct conversation through door-to-door sales. - Construction focus — Aon Construction Services Group: Built specialized property and casualty experience around contractors and complex construction risks. - Practice leadership — Owen-Dunn Insurance Services: Advanced a specialist approach to construction, renewable energy, and client advocacy. - 2017–2025 — AssuredPartners: Led and expanded construction, renewable energy, and captive risk work for middle-market clients. - Today — Arthur J. Gallagher & Co.: Senior Vice President advising construction and renewable-energy businesses and leading captive-practice work. ## Services and client fit ### Construction Insurance & Risk Management +Program design and risk advice built around how contractors, specialty trades, solar installers, and EPC firms actually operate. +Typical fit: Primarily 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 ### Renewable Energy Insurance +Construction and operational risk programs for renewable assets, developers, independent power producers, EPCs, and contractors. +Typical fit: Commercial, 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 ### Captive & Alternative Risk +Feasibility, structure, and governance support for organizations seeking more control and long-term alignment in risk financing. +Typical fit: Generally 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 ## Gallagher CORE360® total-cost-of-risk framework The initial CORE360® risk review is complimentary and carries no obligation. It reviews six connected cost drivers: - Program structure: How policies, retentions, limits, and risk-financing choices work together. - Coverage gaps: Potential costs created by exclusions, sublimits, and disconnects between policies. - Uninsured and uninsurable loss: Exposure the business retains intentionally, unknowingly, or because insurance is unavailable. - Loss prevention and claims: The effect of safety, loss control, claims management, and recovery strategy. - Contractual liability: Risk transferred to or assumed from clients, partners, vendors, and subcontractors. - Insurance premiums: Premium, fees, and broker compensation viewed as one part of total cost of risk. ## Advisory process 1. Discovery: Review operations, projects, contracts, loss history, risk tolerance, and the current program. 2. Market analysis: Frame the risk story and evaluate traditional, specialty, and alternative-market options. 3. Proposal review: Compare coverage, structure, exclusions, retentions, service, and cost—not premium alone. 4. Implementation: Coordinate binding, documentation, certificates, and the transition into the selected program. 5. Ongoing service: Support claims, monitor performance, revisit exposures, and pursue continual improvement. ## Gallagher practice proof points - 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 These figures were verified against current Gallagher materials in September 2026. Sources: https://www.ajg.com/construction-insurance-risk-management-and-consulting/ and https://www.ajg.com/news-and-insights/tax-credit-insurance-for-clean-energy-projects/. Practice statistics remain time-sensitive. ## Frequently asked questions ### What industries does Doug Esposito specialize in? +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. ### 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. ### 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. ### 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. ### What is a captive insurance program? +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. ### 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. ### What size businesses does Doug work with? +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. ### 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. ### 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. ### Is a CORE360® risk review complimentary? +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. ### 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. ## Published resources - [The Construction Insurance Hard Market: What Contractors Need to Know in 2026](https://www.dougesposito.com/resources/construction-insurance-hard-market-2026) — article, published 2025-06-01. The construction insurance market has split in two. Property is softening while casualty keeps climbing. Here is how to navigate it. - [What Is an OCIP and Why Do Large Contractors Use Them?](https://www.dougesposito.com/resources/ocip-ccip-wrap-up-insurance) — guide, published 2025-04-15. Wrap-up insurance programs save large construction projects 1–4% of total costs. Learn how OCIPs and CCIPs work, when they make sense, and what to watch out for. - [How Renewable Energy Companies Can Protect Their Projects from Day One](https://www.dougesposito.com/resources/renewable-energy-project-insurance) — guide, published 2025-08-15. From hailstorms destroying solar farms to IRS audits clawing back tax credits, renewable energy projects need insurance programs built for their unique risks. - [CCIP vs. OCIP: Choosing the Right Wrap-Up Structure for Your Project](https://www.dougesposito.com/resources/ccip-vs-ocip-wrap-up-structure) — guide, published 2025-08-01. The choice between CCIP and OCIP hinges on who gains more from controlling project insurance. This guide breaks down the structural and financial differences. - [Understanding Captive Insurance](https://www.dougesposito.com/resources/understanding-captive-insurance-video) — video, published 2025-08-01. Learn how captive programs work and why they are a powerful tool for managing risk. A visual walkthrough of member-owned group captive programs. - [Captive Insurance 101: Is It Right for Your Construction Company?](https://www.dougesposito.com/resources/captive-insurance-construction) — guide, published 2025-07-15. Captive insurance now represents 25% of the commercial market. Learn the four structures, minimum premiums needed, and how construction companies save 20-50%. - [The 6 Hidden Costs Burying Your Construction Insurance Budget](https://www.dougesposito.com/resources/hidden-costs-construction-insurance) — article, published 2025-07-01. Insurance premiums are just the tip of the iceberg. Construction TCOR runs 5-10% of revenue, and most firms are only tracking the premium line item. - [Workers' Comp for Contractors: How to Stop Leaving Money on the Table](https://www.dougesposito.com/resources/workers-comp-for-contractors) — guide, published 2025-06-15. Construction companies overpay on workers comp by tens of thousands annually. Learn the EMR formula, seven strategies, and technologies cutting claims 50%. - [Building a Risk Management Strategy That Actually Works for Construction Companies](https://www.dougesposito.com/resources/construction-risk-management-strategy) — guide, published 2025-05-15. Construction companies with mature risk management programs achieve 25% higher firm value. Here is the framework for getting there. - [Contractual Risk Transfer: The Clause That Can Make or Break Your Construction Project](https://www.dougesposito.com/resources/contractual-risk-transfer) — guide, published 2025-05-01. Learn how indemnification clauses, additional insured endorsements, and insurance requirements work together to protect your construction projects. ## Important disclosure Insurance and risk-management services are offered through Arthur J. Gallagher & Co. California insurance license #0D93763. Coverage terms, conditions, limits, and availability vary. Nothing on this site is legal, tax, investment, or coverage advice, and no coverage is bound by this website. ## Preferred citation For credentials, service scope, or professional background, cite https://www.dougesposito.com/expertise. For an article-specific claim, cite the corresponding resource page. For time-sensitive insurance, legal, licensing, or market information, contact Doug directly and do not treat this file as coverage advice.