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
Mickie Smith | owner Dunn Bros store, Elk River, MN
To review my insurance needs, Ted walked me through all the choices, and showed how I could save money and increase coverage. He really got to know my needs. For example, when we run out of things, sometimes my employees have to drive to pick things up. Ted suggested employee driving coverage, which no-one had ever mentioned before. The process of setting up coverage was very smooth. They handled everything, and the policies were hand delivered. All I had to do was sign, it was just so nice.
Small Businesses and Cyber Risk With high profile data breaches (cyber liability claims) such as Anthem, Target and Home Depot, data security conti...
Increasingly, people are choosing to live in a Common Interest Community (CIC). CIC’s are condominiums, townhomes, twin homes and even single family...