Spotlight On: Frank Castellano, Executive Vice President – San Antonio, Brown & Brown Insurance

October 2025 — In an interview with Invest:, Frank Castellano, executive vice president of Brown & Brown Insurance, highlighted San Antonio as a strategic hub for South Texas’ growth, calling it “a large metro with a small-town feel.” He emphasized tailored client solutions and noted continued expansion driven by both talent development and deeper community engagement.

Why is San Antonio a key location for Brown & Brown?

We see San Antonio as the gateway to South Texas. Brown & Brown has retail offices in all four of Texas’ major metros — Houston, Dallas-Fort Worth, Austin, and here in San Antonio. But this market is unique. It’s a large metro with a small-town feel. People here prefer doing business with people from their own community, and that matches the way things operate throughout South Central Texas, from here to Laredo and the Valley. There’s also great opportunity across sectors like transportation, supply chain, and tech, making this a diverse and expansive market.

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What growth milestones have you seen over the past year?

The biggest milestones have been our growth and expansion deeper into South Central Texas. We’ve grown with our clients, many of whom are expanding into larger markets and even into other states. One client we started working with three years ago has grown more than 50% and we have grown alongside them, assisting with solving their problems. We’re also preparing to relocate our San Antonio office, which will give us space to add more teammates and better serve the market.

What are some key challenges and opportunities your clients are facing today?

We’re problem solvers, and clients come to us with specific issues. Cyber liability is a major concern. It’s growing fast, and many clients want help navigating the risks, especially those vulnerable to lawsuits. We’ve partnered with and own a cyber-focused subsidiary to support this need. In transportation, the exposure is high, and businesses are looking for ways to protect themselves, especially against lawsuits. Lastly, our heavy focus on public entities, specifically school districts and municipalities, as they see their exposures grow while managing them through tight budgets. The core is understanding what our clients do, regardless of their size or industry, and building tailored solutions from there.

How is technology transforming your business?

It’s changing how we operate every single day. Clients expect fast, seamless service, whether it’s issuing certificates or managing claims. We’ve had to evolve and embrace digital tools to meet those expectations and stay ahead of the curve.

What trends are you seeing in the property and personal insurance markets?

In Texas, we’re still facing capacity issues when it comes to property insurance. But we’ve started to see some leveling off — rates are stabilizing depending on exposure. It’s not relief, but it’s not the drastic rate increases we saw before. On the personal insurance side, like homeowners, we’re even seeing a slight decline in rates, which is good news for consumers, though restrictions are still aggressive.

How would you describe the broader economic climate?

On a national level, the past year brought concerns around inflation and interest rates, and many businesses were hesitant to invest. That sentiment is still present, but there’s more consistency now. Here in San Antonio and across Texas, we’ve been in a better spot. There’s a general sense of optimism, even if some concerns remain.

What is your approach to talent recruitment?

It’s something every broker is talking about. We’re all looking for top talent. A lot of experienced professionals are retiring, and there’s a gap before the younger generation fully steps in. We focus on culture first — what we offer, how we support growth. We’re recruiting from local universities, bringing in young professionals, and helping them see the full potential of this industry. I view it as a candy store — there are so many options you can go with in the insurance field.

How did you get into the insurance field, and what has kept you here?

I have a finance degree and kind of defaulted into insurance, like many people. But once I got in, I realized how many great people there are, the stability it offers, and how meaningful a career it can be. In many ways, it’s recession-proof, it’s full of purpose, and it’s a great way to make a living. There’s real purpose in the work, and I’m passionate about what we do.

What are your top priorities moving forward?

We’re growing both internally and externally. That means hiring more teammates, market expansion, and continuing to grow organically. We’re also looking at acquisition opportunities, but culture is the first filter — we only partner with agencies that align with our core values. Externally, we’re committed to growing our presence in the community, increasing brand recognition in San Antonio and across South Texas. We’ll soon be relocating our office, which will give us space to bring in more teams and expand further.

It’s about staying on the course, continuing to educate our team, helping them become better individuals and problem solvers. That’s how we grow: by investing in our people and staying focused on solving the real problems our clients face.

Want more? Read the Invest: San Antonio report.