4Sight is our way of helping you analyze and evaluate the risks we face in the World of Business. We do this through our proprietary process of examining 4 primary Pillars or types of risk: Digital Risk, Physical Risk, Financial Risk and Compliance Risk. For more information on each of these 4 Pillars of risk management, please read below.


Below you can explore more about each of our 4 pillars of risk management.


As a business owner, you’re probably dealing with digital more than ever. Digital risk is all around us – everywhere. We can’t even see most of it, but it is clearly a top concern for business owners around the globe. So much of what used to be normal human interaction is now online, from electronic banking to shopping to working remotely. 

At Winter-Dent, we’re focused on educating business owners about the elements of Digital Risk that are so important to understand.

Next, we focus on “what to do if …” – or more likely “when” – some sort of digital intruder shows up. Our Digital Risk Practice can also help us give you clarity and valuable insight into tools and monitoring options to continue to improve the stability of this critical Pillar.


Owning a business isn’t just a mental grind, it can get physical too. As a business owner, we face Physical Risks all the time. We have assets we need to protect – physical things we can touch or see, like products and people – as well as our physical bodies and mental well-being.

And because we are humans – beings capable of independent thought and action – we can also cause injury or damage to other humans or their property – either accidentally or intentionally. You’ve likely heard of liability insurance? This is where it comes into play.

This crucial second Pillar, Physical Risk, is the one most people think of when they think of insurance. But to us, it’s just one fourth of your risk profile.


As human beings, we all have our own independent thoughts and opinions. As business owners, we all have our own thoughts on how a business should be run. It’s like our own unique Business DNA, where we bring our own individual “human currency” to the world — our own set of skills and talents. But of course, we also depend on “capital currency.” We live in a Business World where money matters, and we all face financial risks in every area of our business as a result. 

We may encounter a health crisis. We may start a business, but not succeed. Or lose an employee, and struggle to find another. Uncertainty is a part of being a business owner. but as much as humanly possible, being prepared can help. It can give us a sense of security and peace of mind that’s invaluable.  

As experts in safeguarding this essential third Pillar, Financial Risk, the advisors at Winter-Dent can help reduce the impact these financial fiascos might have on you.


Our fourth and final Pillar in our propriety 4Sight process, Compliance Risk, has taken on an increasingly important role in the World of Business. Another way to think about this Pillar is in terms of “human dignity.” As human beings, we all face Compliance Risk in many areas of our lives: as employees, bosses, parents, children, students, citizens and more. 

We make it a priority to stay on top of changing laws and business practices that impact this vital final Pillar, to help ensure your business is as protected as possible.


Whatever stage you’re at in your business, we want to understand your needs and put together a plan to help protect you, your assets, and your people— now, and as your needs change.

And once we begin a relationship, it doesn’t stop there: True to our philosophy of Humans Helping Humans, we want to be a key partner in helping your business grow, for many years to come.