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.

Our Prevent365 program takes this a step further, helping you proactively identify and mitigate risks year-round for lasting protection and savings.

Prevent365

Flip the Pyramid. Flip the Outcome.

Most organizations focus on insurance first, reacting after incidents and paying for claims. We turn that model upside down.

Traditional Risk Management

❌ React after incidents occur

❌ Address symptoms with costly insurance claims

❌ Miss opportunities for proactive solutions

The Prevent365 Way

PREVENT: Target root causes before they become problems

CONTAIN: Limit exposure when issues arise

INSURE: Use strategic coverage only for what truly can't be controlled

Our flipped pyramid approach begins with the right questions, not a policy form...

Instead of rushing to place policies, Winter-Dent’s Prevent365 program helps you reduce risk, gain control, and ultimately lower costs, transforming your business from reactive to proactive and shaping the market’s response in your favor.

What’s driving your insurance costs?

What’s driving your insurance costs?

Your premiums are based on more than claims. We analyze your operations, classifications, behaviors, and risk profile to identify what’s really behind rising costs.

Where are your exposures hiding?

Where are your exposures hiding?

We uncover hidden exposures in your processes, culture, contracts, or supply chain, so you can address them proactively instead of reactively.

How can your business attract the best underwriting terms?

How can your business attract the best underwriting terms?

When underwriters see that you’ve identified, measured, and mitigated risk, you become more attractive, helping improve rates, terms, and options.

What’s driving your insurance costs?

What’s driving your insurance costs?

Your premiums are based on more than claims. We analyze your operations, classifications, behaviors, and risk profile to identify what’s really behind rising costs.

How can your business attract the best underwriting terms?

How can your business attract the best underwriting terms?

When underwriters see that you’ve identified, measured, and mitigated risk, you become more attractive, helping improve rates, terms, and options.

Where are your exposures hiding?

Where are your exposures hiding?

We uncover hidden exposures in your processes, culture, contracts, or supply chain, so you can address them proactively instead of reactively.

What Happens When You Flip the Pyramid?

You shift from generic solutions to intentional protection with Prevent365. Our four-part strategy helps you look deeper, lead smarter, and make decisions that protect your people, your purpose, and your future.

Diagnose the Root Cause

We go beyond symptoms to uncover what’s really driving risk in your business, so you can take corrective action where it matters most.

Learn How We Identify Hidden Risk

Differentiate Your Business

We help you stand out to underwriters by showcasing what makes your business a better-than-average risk, improving pricing, terms, and market access.

Improve Your Terms

Go Beyond the Policy

From safety initiatives to process improvements, we help you put controls in place that reduce risk where insurance can’t reach.

Explore Risk Strategies Beyond Coverage

Build for Impact

We guide decisions that align with your values and your vision, creating a more resilient business that’s protected for years to come.


See How We Support Long-Term Success

Diagnose the Root Cause

We go beyond symptoms to uncover what’s really driving risk in your business, so you can take corrective action where it matters most.

Learn How We Identify Hidden Risk

Differentiate Your Business

We help you stand out to underwriters by showcasing what makes your business a better-than-average risk, improving pricing, terms, and market access.

Improve Your Terms

Go Beyond the Policy

From safety initiatives to process improvements, we help you put controls in place that reduce risk where insurance can’t reach.

Explore Risk Strategies Beyond Coverage

Build for Impact

We guide decisions that align with your values and your vision, creating a more resilient business that’s protected for years to come.


See How We Support Long-Term Success

Insurance Coverages That Make Sense

Once your risk profile is clear, we help you secure the coverage that fits, not just what’s cheapest, but what supports your long-term success. Our partnerships with 30+ carriers mean you have options, including captives.

Traditional Coverage, Strategically Placed

We work with leading carriers to place essential commercial coverages tailored to your actual risk, not just your industry average.

    • General Liability
    • Property Insurance
    • Commercial Auto
    • Umbrella Coverage
    • Professional Liability
    • Cyber Insurance
    • Surety Bonds
Review Coverage Options

Captive & Alternative Solutions

For businesses seeking more control and cost stability, we offer access to advanced risk financing solutions that align with long-term strategy.

    • Group Healthcare Captives
    • Commercial Captives
Learn About Captive Options
Not Just Selling Policies

Humans Helping Humans

At Winter-Dent, we don’t believe in chasing quotes. We believe in building relationships, earning trust, and helping first.

Before we’re your agent, we’re your partner, offering expert guidance, tools, and resources to help you reduce risk, improve safety, and stay compliant. No cost. No obligation. Just real support from real people who care about your business.

Help Before the Quote

Consultative Support

Education & Prevention-Focused

Humans Helping Humans

Our testimonials

See What Our Clients Have to Say

Contact us

Start Your Prevent365 Journey

We flip the insurance pyramid, focusing on prevention first, not reaction. Contact us to learn how a Prevent365 assessment can help lower your total cost of risk and strengthen your safety culture.

Email Us

info@winter-dent.com

Call Us

(573) 634-2122