our Vision

To be the trusted team for developing risk-mitigating solutions that help our clients best achieve their goals.

At Elemental Risk Management (ERM), 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.


Kaitlyn Kirby

Account Manager

Insurance professional with sixteen years experience in insurance and financial services.


Industries Served

  • Asset 1 Car Dealerships
  • Asset 1 Artisan Contractors
  • Asset 1 General Contractors
  • Asset 1 Independent Repair Shops
  • Asset 1 Body Shops
  • Asset 1 Retail Auto Parts Stores
  • Asset 1 Heavy Truck Dealers and Repair Shops
  • Asset 1 Towing Companies
  • Asset 1 Auto Recyclers
  • Asset 1 Recyclers including Metal, Paper & Plastics
  • Asset 1 Transporters
  • Asset 1 Home Health Care
  • Asset 1 Medical Transportation
  • Asset 1 Convenience Stores & Gas Stations
  • Asset 1 Machine Shops
  • Asset 1 Equipment Dealerships
  • Asset 1 Apartment Complexes
  • Asset 1 Industrial Buildings
  • Asset 1 Real Estate
  • Asset 1 Medical Offices
  • Asset 1 Medical Supply and Distribution
  • Asset 1 Ambulatory Services
  • Asset 1 Retail & Wholesale Operations
  • Asset 1 Distributors
  • Asset 1 Contractors
  • Asset 1 Food Industries
  • Asset 1 Manufacturing
  • Asset 1 Health Services
  • Asset 1 Assisted Living

Reducing Risk, Mitigating Costs

There’s also a less obvious benefit of partnering with a trusted commercial insurance provider: reducing the indirect costs of an insurance claim. ERM clients know that when a claim needs to be filed, they can depend on ERM’s team of experts to make the experience simple and seamless.

A lot of people don’t think about the indirect loss of dealing with an insurance claim. There is the loss of sleep as you worry about lawsuits or damage to your building. You may miss new opportunities or suffer avoidable losses.

We believe the best way to protect your company is to manage risk appropriately over the long term. That means providing our clients with an honest and reliable consultative approach that proactively manages their risk and helps mitigate the real and indirect costs associated with that risk.

Give me a call.

Client Testimonials

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