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As
an independent insurance agency, Dyste Williams objectively
recommends the best insurance solutions for your business, from a wide range of top quality carriers. Our mission is to be your trusted insurance advisor. We'll find you comprehensive coverage at competitive
prices, and tailor a high quality insurance package
to your needs. Please call for an appointment with one of our business insurance advisors.
Business Property & Liability
These two essential business coverages are often packaged together in a Business Owners Policy. Business Property insurance protects the physical assets of a business, such as your office space, equipment, records, and more. Business Liability insurance protects from claims that your business caused injury or property damage to someone else. A BOP is often more economical than separate policies, and can be tailored to fit the unique needs of your business or industry.
Commercial Auto
Company vehicles like cars, vans, and trucks, as well as personal vehicles used for business, need specific business coverage. For example, if employees use their own vehicles to run errands for the business, that should be covered by a commercial auto policy. Personal auto insurance is often not enough protection on vehicles used for business.
Umbrella Insurance
This business insurance offers extended coverage for unexpected events. It can extend the limits on your primary coverage, and protect against circumstances like a huge personal injury settlement.
Other Important Coverages
Depending on the unique nature of your business, you may require special insurance coverages. For example, if you have employees who travel overseas for business, or if your company works with hazardous chemicals, you'll need specific policies or riders to cover those circumstances. Your Dyste Williams agent can help you identify special insurance needs, which might include:
• Crime
• Directors/Officers
• Fiduciary Liability
• International Insurance
• Kidnap and Ransom
• Marine (specialty) coverages
Helpful Tips
The following articles (pdfs) offer valuable tips to enhance the protection of your business:
• Disaster-proof your Business
• Insuring for Employee Theft
• Premium Audit Tips |
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Workers' Compensation
Any business with one or more employees needs the protection of Workers' Comp insurance. It is also state law. 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, to protect employers from lawsuits involving work-related accidents or diseases.
Professional
Liability
This protects professionals from
claims brought by clients or patients. Errors and Ommisions is a type of Professional Liability coverage. Dyste Williams has extensive experience with a broad range of professionals and professional business owners. We specialize in the insurance needs of Dental and Oral Surgery practices, and also serve many other types of professions, such as accounting, law, architecture, and consulting.
New Business Owners
Starting a new business is a busy time, filled with countless decisions and expenses. Dyste Williams can simplify the process of obtaining vital insurance coverage. We can meet with you to identify your needs, show you various options, and set up a comprehensive insurance program that provides excellent coverage while keeping costs reasonable. We're very attuned to the special needs and concerns of small business owners.
Special Programs
We offer specialized insurance programs for specific industries. Click on a link below to learn about programs for:
• Dentists
• Oral Surgeons
• Franchise
• Propane Distributors
• Artisan Contractors
Please contact us about other special programs available, incuding programs for Accountants, Attorneys, Medical Practices, Non-profits, and Technology companies. Call or email Ted Dyste for more information, 952-593-5025. |
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Employee Benefits
Dyste Williams custom designs benefit packages for companies that attract and retain quality employees. As an independent agency, we represent multiple insurance carriers. This means that we can offer you different solutions, and obtain the best prices. A complete menu of employee benefits signals that you have a caring workplace. And, many benefits that employees find convenient and valuable are actually voluntary, and represent little or no cost to an employer. For more information, please contact our benefits advisor, Heidi Michaels, at 952-843-4441.
Group Health insurance. We work with all the major health insurance companies, and offer a unique, simplified quote process. Employees fill out just one online health questionnaire, enabling us to quote multiple companies, and find the most affordable policies. Where appropriate, we may recommend HSAs, HRAs, or FSAs. With healthcare costs skyrocketing, and insurance products changing constantly, our expert advice can help you obtain the best coverage for your employees within your budget.
Dental. A flexible dental plan is seen as a valuable perk by employees. Dental coverage indicates that management cares about employee health, and it often costs an employer very little to offer.
Disability. Short and Long Term Disability plans should be part of a complete benefits program. Maternity benefits fall under Short Term Disability, and are of particular interest to many employees.
Life Insurance. Group Life Insurance plans are inexpensive to offer, and greatly appreciated by employees, even if some employees supplement with personal policies.
Cost to the employer is negligible.
Long Term Care. The issues of retirement health care and senior care are top of mind for many employees. Offering LTC does not cost anything to an employer, and it is a convenience that employees appreciate. We can help you and your employees understand the complex interrelationship of Medicare, Senior Healthcare, and Social Security. For more information, please visit our Senior Care Planning page.
Executive & Corporate Protection. We can customize different kinds of protection plans for business owners or executives, including executive carve-out plans and buy/sell agreements.
401K & Profit Sharing. Dyste Williams has an in-house financial group that sets up retirement and profit sharing plans to meet a company's needs. In addition to designing financial benefit programs, Dyste Williams Financial Group also offers special financial planning for business owners, and flexible, fee-based financial planning for individuals and families. Please visit the Dyste Williams Financial Group page for more information, or contact Patrick Boria, Managing Director, at 952-843-4437. |
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