Dentists and Oral Surgeons

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

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

Workers Comp

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.

Employee Benefits

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.