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
Mark Fincham | President/CEO On-Site Hearing Services and VP On-Site Podiatry, Edina, MN
Aligning our organization, On-Site Care, with Ted Dyste and Dyste Williams has been one of the best business decisions we’ve made. Ted takes the time to fully understand our business needs before suggesting and implementing solutions. From general liability and auto policies to employee health benefits, Ted finds the solutions we need and implements them flawlessly in a timely manner.
Recently, while reviewing our current malpractice insurance coverage and cost, Ted determined that he could get us into a better product at a better price. At Ted’s recommendation, we transitioned our podiatry practice and 8 doctors to a new professional liability policy with MMIC. Previously, we had resigned ourselves to what was ‘industry standard’ for malpractice. Now, because of Ted’s thoroughness, we are saving thousands of dollars a month and receiving much better customer service with a local company. Most importantly, this change gives us the peace of mind to focus on the care of our patients.
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