Our Team

Our Vision

We provide commercial insurance with a consultative approach. In an era of one-size-fits-all insurance programs, ERM strives to be proactive and responsive. As a progressive agency, we customize our offerings based on our client’s unique business needs and challenges. The result is an agile, adaptable approach to commercial insurance that evolves and adapts based on an organization’s growth goals and risk tolerance.

As one of Albuquerque’s premier commercial insurance providers, ERM excels at developing the best business insurance available for New Mexico businesses. ERM ensures every customer has the right coverage, and we offer insurance coverage and risk management assessments for Employment Liability, Cyber Liability, Directors & Officer Liability, and much more. We also help our clients analyze risk, manage claims, review policies, and adopt commercial insurance solutions that are affordable and scalable.

We were founded with three core business principles:

• Education: We make sure our clients have all the information they need to make informed decisions.
• Loyalty: Your success is our success. We see our clients as our partners and strive to nurture and grow strong relationships with our customers.
• Integrity: We prioritize our relations with our customers and leverage our expertise to develop a personal understanding of the individual needs of all our clients.

What makes Elemental Risk Management stand out from the pack? We believe it’s a combination of expertise and collaboration. We prioritize our clients and focus on their needs, not our bottom line. By providing customized commercial solutions, we help our clients protect their assets and grow their business.

Dax Kastrin

AAI, AINS, Founder/Agent

For over a decade, ERM founder Dax Kastrin has had a passion for providing excellence in the commercial insurance industry.

Our Mission is to understand and passionately protect our clients’ interests and assets, support their future, overcome obstacles, and improve their overall experience.

Our Vision is to be the trusted team for protecting our clients’ business against the inherent risk of business and provide solutions that help manage their risk with a long-term outlook.



Our Value is in the mutually loyal relationships we develop, the integrity with which we operate, and the solutions we provide helping our clients’ through times of crisis.

Ann Phillips

Account Manager

Monique Valdez

Client Representative – New Clients

Meesha Sharma

Client Service Representative - Small Business

Shawn Miller

Process Efficiency Manager

Dax Kastrin has been great for our company. I have been totally impressed with his ability to take initiative to find ways to keep my premiums low but also provide coverage that I need to protect our company. So many things change in our world, and Dax is out there staying educated and on top of the insurance realm to provide me with the best coverage possible. He has always treated our company as he would his own. Dax, I appreciate all your help; you have always been prompt and professional. We are your loyal client, as you know.