We want to be your trusted insurance advisor. Because we’re independent, we recommend the best insurance solutions from a wide range of top quality carriers. We find comprehensive coverage at competitive prices, and we tailor a high quality insurance package specific to your business needs.
Business Property and Liability
Business Property and Liability are often packaged together in a Business Owners Policy, also known as a “BOP.” Business Property insurance protects the assets of your business, such as your office space, property and equipment. Business Liability insurance protects you from claims that your business caused injury or property damage to someone else. Today, BOP policies are often more economical than separate policies and can be tailored to fit the unique needs of your business or industry.
Most states require a business with one or more employees to have the protection of Workers Compensation insurance. Workers Comp provides benefits to employees that pay for the cost of treating work-related illness or injury, lost wages and vocational training. Most policies also include Employers Liability Coverage, which protects employers from lawsuits involving work-related accidents or diseases.
Professional Liability Coverage, also called Malpractice Insurance or Errors and Omissions, protects you from claims brought by clients or patients. Dyste Williams has extensive experience with a broad range of professionals and professional business owners. We specialize in the insurance needs of medical, dental and oral surgery practices. We also serve many other professionals such as accountants, lawyers, architects and consultants.
New Business Owners
Starting a new business is a busy time filled with many decisions and expenses. Dyste Williams can simplify the process of obtaining necessary insurance coverage. We’ll meet with you to identify your needs, and then present you with your best choices. We’ll set up a comprehensive, customized insurance program that provides excellent coverage at a reasonable cost. We specialize in understanding the needs and concerns of small business owners.
Company-owned vehicles like cars, vans and trucks, as well as personal vehicles used for business need specific business coverage. For example, if your employees use their own vehicles to run errands for the business, we can help you obtain commercial auto coverage. Personal auto insurance policies are often not enough protection on vehicles used for business.
An Umbrella Policy protects your business from a catastrophic lawsuit by adding protection above and beyond what is provided by your core liability coverage.
Other Essential Coverage
Depending on the nature of your business, we may recommend additional insurance coverage. Contact us to learn more about the following:
- Directors and Officers
- Data Breach/Cyber
- Employment Practices
- Fiduciary Liability
Dr. Donna Hecker | City West Prosthodontics, Chanhassen, MN
I’ve been with Dyste Williams for 3 years, and the service is great. Whenever I call, I get immediate response. When I first went into private practice, I had a different insurance company. I would have to call an 800 number and leave a message. That was a big factor when I decided to switch to Dyste Williams. Ted and Shelley had a long discussion with me about my needs and how they differ from a general dentist. My cases are large: $20,000 to $60,000, and mostly out of pocket for patients. I get some difficult cases and I like the peace of mind that Dyste Williams and Fortress Insurance provide. I fell like I’m well-defended when it comes to liability issues. Shelley really knows her products and has been able to save me money, but money isn’t always the bottom line. Great service is worth a lot to me, it saves so much time. I’ve told other prosthodontists I know that they need to call Dyste Williams.
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