logo
Josh Acosta
Co-Founder
[email protected]
206-486-8942

Josh, a Tennessee resident with a degree in Communication from Seattle Pacific University, began his insurance career at Allstate, gaining hands-on underwriting experience and advanced training at the company’s national headquarters.   

In 2016, he joined UWIB to lead operations in the Pacific Northwest and later became Co-Founder of UWIB Risk & Insurance Solutions, now headquartered in Franklin, TN. Today, he co-leads the company with Eric Schirding, driving growth and innovation.   

Josh's passion for specialty coffee, developed during his time at Intelligentsia Coffee & Tea in Chicago and Milstead & Co. in Seattle, initially led him to specialize in risk management for the coffee industry—an expertise that has since expanded across multiple sectors. With a strong background in athletics and deep connections in various industries, he brings dynamic leadership and strategic vision to UWIB’s continued success.   

Outside of work, Josh is married and a devoted father of three. He is an avid hunter who enjoys the outdoors and the challenges of the sport. His love for family, adventure, and competition fuels his commitment to building strong relationships, both personally and professionally.  

News & Insights
  • Published on: March 31, 2025
    Blog featured image
    EducationOpinion

    Navigating the Looming Labor Shortage: A Guide for HR Professionals

    Hey there, HR trailblazers! If you’ve been keeping an eye on workforce trends, you’ve likely heard the buzz about an impending labor shortage. Let’s dive into what’s happening and how you can steer your organization through these choppy waters.Read More
  • Published on: March 4, 2025
    Blog featured image
    Education

    Beyond COVID: What Businesses Learned About Risk, Resilience, and Revenue Protection

    COVID-19 disrupted every industry, revealing vulnerabilities and forcing a rethinking of risk management. Now, five years later, what actually changed? Business owners—especially those who rely on physical locations—face new challenges in a world shaped by hybrid work, supply chain shifts, and evolving insurance landscapes. Read More
  • Published on: March 4, 2025
    Blog featured image
    Education

    Third-Party Cyber Risk: The Threat You May Not Have Seen Coming

    If your business is like most today, everyone is connected—through vendor relationships, software providers, and digital systems that make daily operations smoother. But that same connectivity also creates hidden risks. Read More
  • Published on: February 28, 2025
    Blog featured image
    Education

    Why Small Businesses Need Cyber Liability Insurance Now More Than Ever

    In today's digital landscape, small businesses are increasingly becoming prime targets for cybercriminals. The misconception that cyberattacks are reserved for large corporations has been debunked, as data reveals a stark reality: a staggering 94% of small businesses experienced cyberattacks in the past year, a significant rise from 73% the previous year.Read More
  • Published on: February 11, 2025
    Blog featured image
    Education

    Independent Contractors vs. Employees: Understanding Liability & Risk

    Think hiring independent contractors relieves you of liability? Think again. Courts often redefine these relationships, sometimes in costly waysRead More
  • Published on: February 11, 2025
    Blog featured image
    Education

    Towing Industry Insurance: What You Need to Know

    If you're in the towing industry, you know that every day on the road presents unique challenges. From recovering stranded vehicles to transporting heavy loads, your business operates in high-risk environments. That’s why having the right towing insurance is essential—not just to comply with regulations but to protect your company from costly claims.Read More
  • Published on: March 31, 2025
    Blog featured image
    Education

    How Dirt Haulers Cut Insurance Costs and Avoid Costly Pitfalls

    When you run a dirt hauling operation, you know that keeping costs down while protecting your business is a constant battle. The trucking industry is changing, and dump truck operators face risks that go beyond what most insurance programs account for. The problem? Most policies aren’t built for your unique needs, and that means you’re likely overpaying—or worse, under protected.Read More
  • Published on: February 5, 2025
    Blog featured image
    Education

    Is Your Home Properly Insured? Common Coverage Gaps Homeowners Overlook

    Your home is likely one of your biggest investments, but is it fully protected? Many homeowners assume their insurance policy has them covered for all possible scenarios—until disaster strikes and they find out otherwise. Understanding common coverage gaps can help you avoid unexpected financial burdens and ensure you have the right protection in place.Read More