Comprehensive, customized insurance solutions for a wide range of healthcare and long term care facilities.

Healthcare Facilities

Dyste Williams provides comprehensive, customized insurance solutions for a wide range of healthcare and long term care facilities and providers in the Upper Midwest. As an independent insurance agency, we review competitive insurance carriers to bring you excellent coverage choices and optimum pricing.

Healthcare facilities have extensive insurance needs, from medical professional liability coverage to business property to workers comp. We’ll advise you on options, manage the complexity and monitors your coverage going forward to maximize effectiveness and efficiency.

We work closely with clients from across the healthcare sector, including regional hospitals and community health centers, surgery centers, long term care and assisted living facilities, home health care providers and dialysis centers. We also insure ancillary medical facilities, such as x-ray and imaging centers, cardiac and trauma rehabilitation centers, physical therapy, counseling centers and chiropractors. This is a partial list, so please contact us to discuss your particular facility or provider circumstances.

Medical Professional Liability Coverage

Medical Professional Liability (Malpractice) is a core coverage for healthcare facilities and providers. It delivers protection from medical liability claims resulting from the actions of persons associated with your organization. These covered persons can be employed personnel who provide medical professional services, as well as administrators, volunteers, board members or students, among others. We represent MMIC, a leading insurer to the healthcare industry who is known for broad coverage, exceptional service, skillful defense and financial strength.

Dyste Williams insurance advisors have a deep knowledge of insurance for healthcare. We collaborate with the expert team at MMIC to design comprehensive medical liability coverage tailored to the needs of your organization. In the event of a claim, you’ll receive powerful support throughout the investigative and defense process, as well as crisis management guidance if needed. No settlement is made without consent. MMIC policyholders also have access to extensive MMIC risk management resources and educational programs, as well as on-site assessments by expert risk management consultants and tools for self-assessment.


Umbrella coverage protects your facility from a catastrophic lawsuit by adding protection above and beyond your core liability coverage. We recommend an Umbrella as essential policy for our healthcare clients because medical providers are highly vulnerable to expensive litigation.

Additional Business Coverage

For a more comprehensive facility protection package, contact us about the following:

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

Workers Compensation

By law, any business with one or more employees must have the protection of Workers Comp insurance. Workers Comp provides benefits to employees that pay for the cost of treating work-related illness or injury. Most policies also include Employers Liability Coverage, which protects employers from lawsuits involving work-related accidents or diseases.

Employee Benefits

Dyste Williams offers many options for the protection and well-being of healthcare employees. Employee Benefit packages are a cost-effective way to keep valuable employees healthy and happy. For more information, please visit our Employee Benefits page.


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.


January 12, 2024
10 Benefit Trends To Know in 2024

When it comes to employee benefits, no year is ever the same. But recent years have made “different” seem like a vast understatement.  Expect mo...

October 3, 2023
Minnesota CANDOR Act Resources

On August 1, 2023, a transformative shift in healthcare communication took place as the Minnesota CANDOR Act (bill SF2909) came into effect. With the ...