Build for Long-Term Impact

Protecting What Insurance Cannot with Prevent365

Our Prevent365 program guides business decisions that protect your people while advancing your strategic goals, creating a more resilient organization where everyone is safer and more secure for years to come. Because true protection goes far beyond any policy.
Prevent365

The Prevent365 Approach

Most organizations focus on insurance first, reacting after incidents and paying for claims. Our Prevent365 program flips that model upside down, starting with prevention and building strategic protection that fits your business.

We help you prevent issues before they occur, contain exposure when they arise, and use insurance strategically for what truly can’t be controlled.

The True Cost of Risk

Most businesses only see the tip of the iceberg. For every dollar of direct costs covered by insurance, there are typically $4-6 in hidden indirect costs that no policy addresses.*

Direct Costs (Usually Insurable)

Medical expenses¹ 20–25%
Property damage² 10–15%
Workers' compensation³ 15–20%
Legal fees⁴ 5–10%
Typically Insurable Costs ~20% of total incident cost


Hidden Costs (Rarely Insurable)

Lost productivity⁵ 25–40%
Investigation & admin⁶ 10–15%
Training replacements⁷ 8–12%
Schedule disruption⁸ 5–10%
Morale & reputation⁹ 10–20%
Regulatory compliance¹⁰ 2–8%
Hidden Costs ~80% of total incident cost

How Prevent365 Builds Lasting Protection

Prevent365 doesn't just manage risk, it transforms your business into a more resilient, valuable, and sustainable organization.

Here's how our year-round program creates protection that insurance alone cannot provide.
Long Term Impact

Insurance covers medical costs after workplace accidents, but it can’t bring an employee back to life or repair the emotional impact on teams and families.

  • Workplace safety culture development
  • Hazard identification and elimination
  • Mental health and wellness programs
  • Employee engagement and morale protection

Insurance provides after-the-fact compensation but can’t prevent the cash flow disruptions and financial strain that come with major incidents.

  • Risk-informed financial planning
  • Cost reduction through prevention
  • Investment protection strategies
  • Economic impact mitigation

No insurance policy can restore team morale, rebuild workplace culture, or repair the intangible damage from preventable incidents.

  • Safety leadership and support
  • Communication system optimization
  • Change management strategies
  • Cultural strength building

While insurance may cover legal expenses, it can’t prevent punitive damages, regulatory fines, or the operational disruption of legal action.

  • Proactive compliance management
  • Policy and procedure development
  • Training and education programs
  • Documentation and audit preparation

Insurance can’t restore lost market share or rebuild damaged reputation after public relations crises or compliance failures.

  • Crisis prevention planning
  • Stakeholder relationship management
  • Customer trust preservation 
  • Proactive protocols

Business interruption insurance helps with lost income, but can’t prevent the chaos, disruption, and lost productivity when operations fail.

  • Process optimization and risk reduction
  • Key employee retention strategies
  • Operational continuity planning
  • Performance efficiency improvements

The Prevent365 Difference

Our comprehensive approach addresses the full spectrum of risk impact, not just the insurable portions.

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

Ready to Transform Your Risk Management?

Don’t let insurance gaps leave your organization vulnerable. Partner with Prevent365 to build comprehensive protection that goes beyond traditional policies.

Humans Helping Humans

Right-Sized Coverage for Real Protection

While Prevent365 addresses what insurance cannot, strategic coverage remains essential for protecting against unavoidable risks. We work with 30+ carriers to find the right fit for your business.
Workers Compensation

Workers Compensation

Protects your employees and your business when work-related injuries or illnesses occur, covering medical expenses and lost wages.
General Liability

General Liability

Essential protection against claims of bodily injury, property damage, or personal injury caused by your business operations or products.
Professional Liability

Professional Liability

Protects against claims of errors, omissions, or negligence in your professional services and advice.
Cyber Insurance

Cyber Insurance

Critical protection against data breaches, cyberattacks, and technology failures that can cripple modern businesses.
Commercial Property

Commercial Property

Protects your physical assets including buildings, equipment, inventory, and business personal property from covered perils.
Surety Bonds

Surety Bonds

Guarantees your performance on contracts and provides financial assurance to clients and regulatory bodies.
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

*Percentages represent typical ranges across industries. Actual costs vary significantly by incident type, industry, company size, and geographic location.

Sources:
¹ National Safety Council, “Injury Facts,” 2023
² OSHA, “Safety Pays Program” data
³ Liberty Mutual, “Workplace Safety Index,” 2023
⁴ Bureau of Labor Statistics, workplace injury cost analysis
⁵ DuPont Safety Resources, “The True Cost of a Workplace Injury”
⁶ National Institute for Occupational Safety and Health (NIOSH) studies
⁷ Society for Human Resource Management (SHRM), replacement cost studies
⁸ Occupational Safety and Health Administration productivity impact research
⁹ Workplace safety culture studies, various academic journals
¹⁰ Regulatory compliance cost studies, Department of Labor
¹¹ Heinrich’s Safety Pyramid and subsequent safety research studies