Differentiate Your Business in the Market

Stand Out to Underwriters and Secure Better Terms with Prevent365

You’re not like every other business in your industry, and Winter-Dent makes sure insurers recognize what sets you apart. Our strategic approach helps you showcase your unique strengths, proactive risk management, and safety culture to attract better pricing, terms, and coverage options.

Why Most Businesses Get Average Treatment

Traditional insurance processes lump companies together by industry codes and basic metrics, giving underwriters limited insight into what makes your business special. This "one-size-fits-all" approach means:

Your proactive safety initiatives go unnoticed

Unique risk controls aren't properly valued

You're priced with average performers in your industry

Carriers miss what makes you a preferred risk

The Result? You pay more and get less, despite being better than average.

The Winter-Dent Difference

De-Average Your Company

We flip this process by helping you present a compelling risk story that underwriters can't ignore with Prevent365. When carriers see documented evidence of your risk management excellence, you become more attractive, leading to improved rates, terms, and market access.

Our Strategic Differentiation Process

Risk Documentation & Analysis

We systematically document your existing safety programs, risk controls, and operational excellence to create a comprehensive risk profile that showcases your true performance.
Risk Documentation & Analysis

Market Positioning

We position your business strategically in the marketplace, highlighting differentiators that matter to underwriters and demonstrating measurable risk reduction efforts.

Market Positioning

Proactive Presentation

Rather than simply submitting applications, we actively advocate for your business, ensuring carriers understand your unique value proposition and risk management commitment.
Proactive Presentation

Prevention First.
Insurance With Purpose.

Most organizations focus on insurance first, reacting after incidents. We flip that model with our Prevent, Contain, Insure approach, targeting root causes before they become costly claims. Our Prevent365 proactive methodology demonstrates to underwriters that you’re serious about risk management, not just insurance purchasing.

Tools That Work for You

We deploy a powerful suite of tools to address risks and enhance workplace safety, health, compliance, and overall employee well-being.
OSHAlogs

OSHAlogs

Streamlines OSHA recordkeeping and reporting, ensuring compliance and helping you stay ahead of potential safety issues.


AutomateSafety

AutomateSafety

Enhances your safety training efforts with a library of training topics to easily deploy to your employees while tracking progress.


ModSure

ModSure

Provides insights into your workers' compensation experience modification (mod) rating, helping you manage factors that impact premiums and improve risk management strategies.
ComplianceCheck

ComplianceCheck

Ensures your business adheres to regulatory requirements across safety, health, and HR, reducing the risk of penalties and improving overall compliance.
LightDutyWorks

LightDutyWorks

Supports return-to-work programs by facilitating customized light-duty options for injured employees, helping to reduce claim costs and maintain productivity.

Insurance That Sets Your Business Apart

When you truly understand your unique risk profile, you can move beyond cookie-cutter coverage. We help you secure insurance that supports growth and resilience, not just the lowest premium. With partnerships across 30+ carriers, you’ll have real choices, including innovative captive options.

Strategic Traditional Coverage

We place essential commercial policies based on your specific exposures, not an industry template.

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

Captive & Alternative Solutions

Ready to differentiate further? Gain greater control and long-term cost stability with advanced risk-financing strategies.

    • Group Healthcare Captives
    • Commercial Captives
Learn About Captive Options

Ready for Deeper Risk Analysis?

Standing out to insurers starts with understanding your true risk profile. Our comprehensive diagnostic approach reveals the underlying factors that influence your costs, coverage options, and the carrier's interest. This deep-dive analysis becomes the foundation for differentiating your business and positioning you as a preferred risk in the marketplace.

Transform Your Insurance Position

When you implement Winter-Dent's Prevent365 program, you're not just buying insurance; you're securing a strategic advantage that helps you control costs and create a safer workplace. Our approach helps your business:

Demonstrate measurable safety improvements

Reduce overall risk exposure

Create documentation that underwriters value

Become a leader in your industry

Access to preferred markets/favorable terms

Differentiate your business & risk

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