We bring an independent approach to insuring your business.

Business Insurance

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.

Workers Comp

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

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.

Commercial Auto

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:

  • Crime
  • Directors and Officers
  • Data Breach/Cyber
  • Employment Practices
  • Fiduciary Liability


Joe Schwartz | owner Dunn Bros store, Excelsior, MN

Dyste Williams knows the small business retailing environment so well, and exactly what issues are going to come up. Of all the companies I’ve worked with to start the new business, they’ve really looked out for my interests. Ted and Niki both came out, which was a really nice touch. I had a lightning strike incident recently and Niki was great as usual. She gave me good advice, which is part of the relationship.


March 6, 2018
Upcoming Patient Safety and Risk Management Seminars

Dyste Williams is pleased to present Patient Safety and Risk Management courses at the 2018 Star of the North Meeting being hosted by the Minnesot...

October 9, 2017
Medicare Community Meeting Oct.12, 2017

You're invited to a free informational meeting to learn about your Medicare plan options.  You'll learn about the basics of Medicare and your Hea...