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Telephone 952-593-5025
Toll free 800-800-6360
Fax 952-593-5026
Personal Insurance
Dyste Williams specializes in serving the unique insurance needs of dental practices. We offer an integrated insurance program designed especially for dentists. All the insurance you need is contained in a comprehensive package that provides business coverage as well as professional liability coverage. Travelers and Fortress, both highly rated insurance carriers, will protect your practice at some of the most reasonable costs in the industry.

Travelers Business Insurance Advantage

Travelers specializes in protecting the small business. They offer a comprehensive family of products designed to meet the needs of dental practices.
Travelers

All the core business coverages you need are together in one package. The Travelers program also offers advantages in coverage and pricing over other carriers who may not be familiar with the unique risk exposures of a busy dental practice.

Business Owners Policy (BOP)
This is an office package that offers an affordable way to obtain property and liability insurance together. The Travelers package is enhanced to meet the special needs of a dental practice. There is also important flexibility in the Travelers BOP to tailor limits and coverage.

Umbrella
This protects your practice from a catastrophic lawsuit by adding protection above what is provided by your core liability coverages. The Travelers Umbrella is an essential policy because dental practices are highly vulnerable to expensive litigation.

Business Automobile
Travelers commercial auto coverage is cost effective and complete. You may also need hired and non-owned auto insurance if employees use their own cars to run occasional errands for your practice.

Workers Compensation
Travelers Workers Compensation is an affordable and innovative policy that integrates early intervention, advanced claim and medical technology and a return-to-work strategy.

Additional Essential Business Coverages
To be adequately protected from other risks to your practice, additional important liability coverages are available from Travelers. Consider adding Employment Practices Liability, Fiduciary Liability, Directors and Officers or Crime for a more comprehensive practice protection package.

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Fortress Professional Liability Insurance
Fortress, along with its parent company OMS National Insurance Company, has been insuring dentists and dental specialties exclusively for over 20 years. Fortress was founded by dentists, is guided by dentists, and receives high ratings from A.M. Best. Fortress

Only for Dentists
Since Fortress only insures dentists, your premiums are not inflated by the risks incurred by other medical specialties. Fortress offers claims-made and occurrence policies. Pricing is competitive, and valuable policy features include Consent to Settle and Free Tail Coverage. Discounts are available. Download an application.

Aggressive Defense
Fortress has powerful legal resources available to defend the dentist vigorously. Your reputation will be protected aggressively and effectively. Fortress will not settle a lawsuit without your consent.

Dental Risk Management
Fortress offers risk management education to improve office systems, enhance care, and reduce the risk of litigation. Courses are developed with medical and legal experts, and offer CE credits and discounts. Policyholders also receive the free, informative Fortress Guardian newsletter.
Upcoming Risk Management Seminars
We host seminars designed by Fortress Insurance that offer expert legal and insurance insights on minimizing liability risk through proper office procedures, good patient rapport, and effective customer service. Call us to register at 952-593-5025. Seminar schedule (pdf)

Employee Benefits
We also offer many options for the protection and well-being of practice employees. Employee Benefit packages are a cost effective way to keep valuable employees healthy and happy. Health insurance is a complex area where our knowledge and experience can save you significant dollars.

Personal Insurance for High Earners
Dentists need comprehensive personal insurance coverage from top-rated carriers. Please ask us about insurance programs designed to protect your assets and your future success.

For more information, please contact Ted Dyste: 952-593-5025, toll free 800-800-6360, or tdyste@dystewilliams.com.


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