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. Alyssa Hedstrom | Grand Marais Family Dentistry, Grand Marais, MN
At Dyste Williams, my main experience has been with Shelley Stark. When I pick up the phone, I reach her immediately. I can depend on her to understand the products and explain things well so I don’t need to spend the time. The insurance pricing with Dyste Williams is reasonable and in some instances, a better deal. Shelley is very knowledgeable about our practice and tells me what we need. We are doing an addition to our building and needed to change our insurance for the closing. Shelley got it done in a day. Without her, we would have had to wait longer to start. We are also considering life insurance and disability from Dyste Williams and have been very pleased with Patrick Boria’s knowledge and good ideas. It’s really nice to know that when you need to talk to somebody, especially about malpractice insurance, you can call Dyste Williams and get things taken care of right away.
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