Helping Humans Humans Let’s Get Started It’s more than our tagline—it’s how we do business.
Every policy, plan, and partnership starts with people first.
Discover Prevent365 Prevention First.
Always.
Our Prevent365 approach helps you control
risk before it controls you—turning prevention
into your strongest advantage.
Protect Your Business Risk Managed.
Future Secured.
Our advisors partner with you to identify risks,
contain costs, and build a prevention-first
strategy for your business.
Get a Personal Quote Protection
That Feels
Personal
From auto to home to life, our advisors help protect
what matters most—with service built
on genuine connection
100% Employee-Owned

Humans Helping Humans​

For us, the statement above embodies a philosophy that drives all of our interactions and decisions, whether with each other, our customers, or the communities we serve.

We’re determined to bring the human element back in all of our dealings as an insurance and risk management firm. We’re ready to do everything humanly possible — always with an emphasis on the “human” part — to help you protect the things and people most important to you.
100+
years experience
Prevent365 Risk Process

Most Brokers Start with Coverage. We start with You!

At Winter-Dent, we flip the traditional insurance process on its head. Instead of starting with policies, we start with your business — its risks, challenges, and opportunities — to build smarter, more strategic coverage that fits your business.

Diagnose the Root Cause

Uncover what’s really driving risk in your business

Differentiate Your Business

Stand out to underwriters as a better-than-average risk

Go Beyond the Policy

Reduce risk where insurance can’t reach.

Build for Impact

Creating a more resilient business that’s protected
Prevent365 Risk Process

Most Brokers Start with Coverage. We start with You!

At Winter-Dent, we flip the traditional insurance process on its head. Instead of starting with policies, we start with your business — its risks, challenges, and opportunities — to build smarter, more strategic coverage that fits your business.

Diagnose the Root Cause

Uncover what’s really driving risk in your business

Differentiate Your Business

Stand out to underwriters as a better-than-average risk

Go Beyond the Policy

Reduce risk where insurance can’t reach.

Build for Impact

Creating a more resilient business that’s protected
Prevent365 Risk Process

Most Brokers Start with Coverage. We start with You!

At Winter-Dent, we flip the traditional insurance process on its head. Instead of starting with policies, we start with your business — its risks, challenges, and opportunities — to build smarter, more strategic coverage that fits your business.

Diagnose the Root Cause

Uncover what’s really driving risk in your business

Differentiate Your Business

Stand out to underwriters as a better-than-average risk

Go Beyond the Policy

Reduce risk where insurance can’t reach.

Build for Impact

Creating a more resilient business that’s protected
112
Years Trusted Service
100 %
Employee-Owned
90 %+
Retention Rate
Captive Options

Take Control of Your Coverage, Costs, & Future.

At Winter-Dent, we help businesses explore captive insurance programs that go beyond traditional policies. By aligning coverage with your unique risks, we can uncover opportunities for cost savings, greater control, and long-term stability. Our team works with you to determine if a captive is the right fit—so your insurance strategy makes sense for your business today and tomorrow.

Commercial Captives

Gain control over claims, safety programs, and costs. A captive rewards your performance instead of industry averages, so your investment goes back into your business, not an outside carrier.

Healthcare Captive

Protect your team with smarter, data-driven benefits funding. Healthcare captives help employers stabilize premiums, reduce volatility, and share savings through collective strength.
Meet Our Team

The People Behind the Promise

At Winter-Dent, our employee-owners bring heart, expertise, and accountability to every client experience. Get to know the humans who make “Humans Helping Humans” more than a motto.
Industries We Serve

Tailored Protection for Every Business

About Winter-Dent

What they’re talking about us?

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Latest News & Articles From Winter-Dent

Join Our Team

Where Ownership Meets Purpose

We’re more than an insurance agency. We’re a family of employee-owners who genuinely care about our clients and each other. Join a culture where “Humans Helping Humans” isn’t a tagline, it’s how we work every day.

Why Join Winter-Dent?

Because here, your work matters. You’ll collaborate with people who lift each other up, grow together, and celebrate shared success. In our 100% employee-owned culture, every individual has a voice, real influence, and the pride of helping shape a company built to last.

Real people. Real solutions. Ready to help.

Let’s Start with a Conversation

At Winter-Dent, every great relationship starts with a conversation. Whether you need help with personal insurance, business coverage, or proactive risk management through Prevent365, our team is here to listen and guide you toward the right protection for your needs.

Email Us

info@winter-dent.com

Call Us

(573) 634-2122

Our Locations

JEFFERSON CITY OFFICE

101 E McCarty St
Jefferson City, MO 65101

Mon – Fri: 8AM – 5PM
Sat – Sun: By Appointment

COLUMBIA OFFICE

3610 Buttonwood Dr, Ste 310
Columbia, MO 65201

Mon – Fri: 8AM – 5PM
Sat – Sun: By Appointment

ST PETERS OFFICE

4600 Executive Center Parkway
St. Peters, MO 63376

Mon – Fri: 8AM – 5PM
Sat – Sun: By Appointment