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Charles EspinosaSenior Vice President/Branch Manager/Broker U.S. Risk San FranciscoU.S. Risk Underwriters
Charles is the branch and underwriting manager of the U.S. Risk San Francisco regional office. Charles has more than 15 years of experience and a strong underwriting expertise in property, general liability, personal lines, garage, transportation, professional and financial products. He began his career at Hartford Insurance Company, where he spent many years underwriting small, middle market and technology professional business, primarily in the Northern and Southern California regions. Charles has worked at The St. Paul Insurance Company as a senior specialty underwriter within the public sector services unit. He spent several years as Vice President/Branch Manager, Black White & Associates Middle Market & Social Services unit where his responsibilities included the day-to-day management of all product lines along with property and casualty responsibilities. Most recently, he was a professional and specialty lines manager responsible for production and underwriting at RIC Insurance General Agency. Charles is a recipient of The Hartford financial services prestigious Middle Market Commercial Sales Champion award.
Charles received a B.A in Psychology from the University of Texas at San Antonio.
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