Our Team | Elemental Risk Management | Elemental Risk Management

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.

Dirk Davidson

Outside Sales Producer

Dirk has a passion for working with business owners to find the right fit that provides the protection and risk management they need at a great value.

Car Dealerships
Artisan Contractors
General Contractors
Independent Repair Shops
Body Shops
Retail Auto Parts Stores
Heavy Truck Dealers and Repair Shops
Towing Companies
Auto Recyclers
Recyclers including Metal, Paper & Plastics

Transporters
Home Health Care
Medical Transportation
Convenience Stores & Gas Stations
Machine Shops
Equipment Dealerships
Apartment Complexes
Industrial Buildings
Real Estate
Medical Offices

Medical Supply and Distribution
Ambulatory Services
Retail & Wholesale Operations
Distributors
Contractors
Food Industries
Manufacturing
Health Services
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

Elemental Risk Management has provided our company significant insurance cost savings for our commercial and industrial properties, as well as responsive service, insight, and analysis. During the past 30+ years of owning and managing industrial office and retail properties our insurance program with Elemental Risk Management stands above all others. During a difficult economy and in a competitive industry such as commercial insurance, ERM has done a great job for us!

Dax Kastrin and his team at Elemental Risk Management are, simply put, the best insurance team in New Mexico. They are professional, polite, always prompt, and deeply knowledgeable about the broad spectrum of insurance products necessary to protect your business and livelihood. Dax also SAVED US A TON OF MONEY in our insurance products, and increased our coverages! If you have the chance to work with Dax and Elemental Risk Management, DO IT. You will never regret the decision.

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.