Dyste Williams specializes in serving the unique insurance needs of the dental community. We offer integrated insurance programs designed specifically for the general dentist and a variety of dental specialties, such as oral and maxillofacial surgeons. All the insurance dental practices need is contained in a comprehensive program that provides business coverage as well as professional liability coverage. We’ll carefully select highly-rated insurance carriers to protect your practice at a reasonable cost.
Professional Liability Insurance
We’re proud to be the exclusive agent in Minnesota, Wisconsin, North and South Dakota for Fortress Insurance Company, the leading medical malpractice carrier for dentists. Fortress, along with its parent company OMS National Insurance Company (OMSNIC), has been insuring dentists and dental specialties exclusively for more than 20 years. Founded by dentists, Fortress consistently receives high ratings from AM Best. And since Fortress only insures dentists, your premiums are not inflated by the risks incurred by other medical specialties. OMSNIC is endorsed by the American Association of Oral and Maxillofacial Surgeons (AAOMS) and insures more than 80 percent of the specialty.
Business Owners Policy (BOP)
A small, commercial package offers an affordable way to obtain the necessary property and general liability insurance together. Our selected carriers such as Travelers, Hartford and Hanover have enhanced their policies to meet the unique needs of dental practices. They also recognize the importance of flexibility and tailor limits and coverage specific to each practice. Our carriers specialize in protecting the small business and understand the specialized risk exposures faced by busy dental practices.
Umbrella coverage protects your practice from a catastrophic lawsuit by adding protection above and beyond what is provided by your core liability coverage (General Liability, Employment Benefits, Employers Liability and Business Auto). At Dyste Williams, we recommend an Umbrella as an essential policy for dentists because dental practices are highly vulnerable to expensive litigation.
Additional Business Coverage
We offer other important ways to protect your practice from risk. We can help you determine the right additional liability coverage for your business. Contact us to learn more about the following:
- Employment Practices Liability including Third party
- Fiduciary Liability
- Directors and Officers
- Data Breach/Cyber Liability
- Business Auto Policy
Our workers compensation carriers offer affordable and innovative policies. They can help you with early intervention, advanced claim and medical technology and a return-to-work strategy.
We know the protection and well-being of your practice employees is important to you. Employee Benefit packages are a cost-effective way to keep your valuable employees healthy and happy. For more information, please visit our Employee Benefits page.
Personal Insurance for High Earners
Dentists and oral surgeons need comprehensive personal insurance coverage from top-rated carriers. We can design an insurance program to protect your assets and future success. At Dyste Williams, you can trust that we’ll handle your personal insurance with the same interest and level of quality as your business insurance.
Stephen Bjorklund DDS | Wayzata MN
Dyste Williams is very knowledgeable about my insurance needs. I’ve had both my practice and personal insurance with the agency for over 30 years. I meet with Ted or Roberta annually to review my insurance. Our business insurance needs are complex. There’s a lot going on in my practice, so insurance is not a boilerplate process. They recommend changes and explain things very well. When an insurance company cancelled one of the coverages on my policy, Dyste Williams did a good job of shopping around to find a better solution. I like the convenience of having my business and personal insurance together in one place. I think they work a little harder when things come up. Most of time I talk with Roberta, and she’s very good at knowing the answer or getting the answer very quickly. I’ve never had a business claim, but I’m confident if I did, Dyste Williams would handle it very well.
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RISK MANAGEMENT FOR DENTISTS
Dyste Williams hosts local risk management seminars for dentists, oral and maxillofacial surgeons and practice staff. The content is designed by OMSNIC and Fortress in conjunction with legal and medical experts. Conducted by a risk management expert, these seminars provide valuable insights on minimizing liability risk through proper office procedures, good patient rapport and effective customer service. For current schedule information, call us at 952-593-5025.
INSURANCE RESOURCES FOR
Dyste Williams has negotiated special benefits for MDA members:
- Discounts on Personal Insurance
- Special Life and Disability Programs
- Exclusive Coverage Option
Contact us for more information at 952-593-5025