Arthur J. Gallagher & Co.
Insurance & Risk Management
Built for Builders
Deep specialization across construction, renewable energy, and alternative risk — backed by Gallagher’s global resources.
31,000+
Construction Clients
$3.5B+
Construction Premiums
1,440+
CIP Programs
$40B+
Contract Value
Construction Insurance & Risk Management
Whether you're a general contractor, specialty trade, or EPC firm, your insurance program should be designed around how you actually work — not a one-size-fits-all template. We work with middle-market contractors ($250K–$2M+ annual premium) to structure programs that reduce total cost of risk while keeping you competitive on bids.
Get StartedWhat’s Covered
- General Liability, Auto, Workers' Comp, Umbrella, Builders Risk, Cyber, D&O & EPL Insurance
- OCIP/CCIP Wrap-Up Program Consultation
- Subcontractor Default Insurance (SDI)
- Surety Bond Coordination
- Loss Control & Safety Program Development
- Contract Review for Insurance Requirements
Renewable Energy Insurance
The renewable energy sector has unique risk profiles that most brokers don't fully understand. From small commercial, C&I to utility-scale solar farms and battery storage projects, we provide specialized coverage that meets the construction, and operational needs and lender/investor requirements.
Get StartedWhat’s Covered
- Solar PV, Wind, Battery Storage, Microgrids, Co-Generation
- Builder's Risk for Projects Under Construction
- Operational Property & Business Interruption
- Professional Liability (E&O) for Developers
- Project Finance & Lender Compliance Support
- Environmental Liability Coverage
- Investment Tax Credit (ITC) Insurance
Captive & Alternative Risk
EmpoweredRE
Captive and alternative risk programs allow you retain up to 60% of premium, stabilize costs year over year, and gain direct control over your risk management outcomes.
Get StartedWhat’s Covered
- Single-Parent and Segregated Cells
- Group Captive Programs
- Large Deductible and Retrospective Programs
- Actuarial Feasibility Studies
- Captive Management & Regulatory Compliance
Understanding Captive Insurance
Learn how captive programs work and why they’re a powerful tool for managing risk. This short video explains how member-owned group captive programs help businesses retain more premium, gain greater control over their coverage, and reduce their total cost of risk.
The CORE360® Approach
Six key cost drivers that make up your total cost of risk.
Program Structure
How the individual pieces of your program work together and balance risk appetite against loss experience.
Coverage Gaps
Potential costs from gaps in existing policies, including sublimits and removable exclusions.
Uninsured & Uninsurable Losses
Risks you may unknowingly leave uninsured or that are uninsurable.
Loss Prevention & Claims
Minimizing costs through loss prevention programs and claims management.
Contractual Liability
Costs from unsuccessful transfer of risk to, or assumption of liability from, third parties.
Insurance Premiums
Costs for all existing insurance policies and broker compensation.
How We Work Together
From first conversation to ongoing partnership — here's what to expect.
Discovery Call
We review your current insurance program, loss history, risk profile, what you do, when and how in regards to safety, loss control and contracts. Your candid and open assessment of your firm becomes the foundation of our partnership. The more we know, the better we can support your success.
Market Analysis
We leverage Gallagher's network to source the most comprehensive and cost-effective insurance programs from top-rated carriers.
Proposal Review
You receive a detailed comparison with clear recommendations and cost breakdowns.
Implementation
We handle all paperwork, certificates, and policy binding to ensure a seamless transition.
Ongoing Service
Year-round claims advocacy, annual reviews, and proactive risk management are the basis for continual improvement.
Frequently Asked Questions
Common questions about our services and approach.
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.
CORE360® is our proprietary framework that examines six key cost drivers that make up your total cost of risk — not just your insurance premiums. It covers program structure, coverage gaps, uninsured losses, loss prevention, contractual liability, and premium costs. The review is complimentary and comes with no obligations.
It starts with how deeply we learn your business. We take the time to understand your operations inside and out — your projects, your contracts, your exposures — because that's what it takes to build a program that actually fits. Our goal is to remove as much friction from insurance and risk management as possible. If we're not making your life easier, we're not doing our job. Anyone can sell a policy — we focus on total cost of risk, not just the lowest premium at renewal.
Doug is based in Reno, NV and Sacramento, CA, and serves clients throughout the United States. As part of Arthur J. Gallagher & Co., he also has access to national and global resources when projects or exposures require broader reach.
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.
Absolutely — when things go wrong is when we're needed most. We walk clients through every step of the process and take the mystery out of what can feel overwhelming. Many clients aren't sure what to do even with straightforward claims, and that's exactly where we step in. We work directly with carriers on your behalf to ensure fair and timely resolution, and provide ongoing claims analysis to identify trends and recommend loss prevention strategies.
Not Sure Which Path Fits?
Start with a CORE360® Risk Review — a no-obligation assessment of your total cost of risk.