Energy Transfer Pads were designed to cool a patient by simulating water. immersion. The three-layered pads consist of an outer layer of insulated. foam, a middle layer of rapid water circulation, and a bottom hydrogel. layer which allows for safe skin application. Core body temperature is.
assignment clause. Provision in a life insurance policy that allows assignment of insurance to a third party (such as a lender) as a collateral. Life insurance policies are freely assignable, but casualty and property policies are not.
Property & Casualty. Our team is dedicated to identifying, managing and reducing commercial property and casualty risk for our clients. We tailor solutions that effectively manage the Total Cost of Risk (TCOR). Acting as an extension of your risk management function, we provide you with expert teams, innovative programs, and proven risk assessment systems that strategically align with your needs. Oswaldâs Property & Casualty team delivers industry leading insurance, risk management and consultation services. Learn more below.