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.
In short, property insurance and casualty insurance are types of coverage that help protect the stuff you own â your home or car, for example â and also provide liability coverage to help protect you if you're found legally responsible for an accident that causes injuries to another person or damage to another person's belongings.
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.