Castor Oil is a thick, viscous liquid extracted from the Castor Bean plant. Castor Oil, rich in fatty acids, acts as a humectant (similar to Glycerin) drawing moisture to the skin. Castor Oil contributes to large, thick bubbles in cold process soap & shampoo bars and is often used to for superfatting because of its humectant properies.
Customer service. Companies in the U.S. typically purchase business insurance through an intermediary, an insurance agent or broker. It is important to work with a business insurance intermediary that provides excellent customer service and can respond to a client's needs quickly and efficiently.
TPA is a Third Party Administrator and does work what otherwise Insurance company should have been doing. It is an outsourcing agency working for insurance companies. On the other hand, Brokers are agencies who are facilitating new or existing transaction between Insured and Insurer. They are agents.