Insurance with heart. Service with ownership.

Humans Helping Humans

Since 1912, we've built something different: a 100% employee-owned company where every interaction is driven by people who truly care. Because when you're an owner, everything matters more.
What Sets Us Apart

The Winter-Dent Difference

Quality, service, and price are expected. We focus on what truly sets us apart.

100% Employee-Owned

Every employee is an owner through our ESOP structure. This means we have a tangible stake in your success. When you win, we win. This ownership mindset drives superior service, lower turnover, and relationships built to last.

Heritage Meets Innovation

Founded in 1912, we've never forgotten our roots while embracing cutting-edge technology. We're the largest privately held insurance agency in Mid-Missouri with comprehensive risk management capabilities.

Your Risk Concierge

We see the whole picture. With specialists across personal lines, commercial insurance, employee benefits, and financial services, you work with one agency that understands every aspect of your risk profile.

Straightforward Accountability

We tell you what you need to hear, not what you want to hear. Our accountability is simple: we do what we say we're going to do. If we don't, you should fire us. We embrace a no-nonsense philosophy that frees you to focus on what matters most.

Never Satisfied

We constantly debrief, analyze, and improve. Our commitment to continuous learning and training means you always get solutions informed by the latest industry knowledge.

Community First

We're invested in the communities we serve. As employee-owners, we live and work where you do. We support local businesses and build lasting relationships because your success is our success. When you partner with Winter-Dent, you're working with neighbors who care.

Employee-Owners Making a Difference

In 2018, Winter-Dent became a 100% employee-owned company through an ESOP structure (Employee Stock Ownership Plan). This means every person you work with is an owner with a tangible stake in your success.

100 %
Employee-Owned
112
Years Trusted Service
90 %+
Retention Rate
Our Team

Meet Our Employee-Owners

Behind every great client experience is a team of dedicated professionals who take ownership. Get to know some of the people who make Winter-Dent different.
Our Values

What We Believe In

Our core values aren't just words on a wall—they're the standards we live by every day.

Proactive

We plan ahead, embrace innovation, and leverage the best tools and technology to help you manage risk effectively.

Transparency

Sharing is power. We're open, honest, and ready to help you navigate any risk management issue.

We Do What We Say

We follow through on every promise. If we say something, we mean it. Trust is built one kept promise at a time.

Lead by Example

We're the change we want to see. Your goals are our goals, and we lead with integrity in everything we do.

Vested

We're fully committed to constant improvement and invested in both our company's and your success.

Other People Matter

You're never just a number. You're part of the family, and we place the highest value on people.

Pay It Forward

We give back to the communities we serve. If it's not beneficial for our clients, employees, or communities, it's not worth doing.

Our Approach

How We Work Differently

Our approach goes beyond traditional insurance agencies. We're advisors, partners, and problem-solvers committed to your long-term success.

Understanding Before Selling

Any agency can quote and sell plans. We take time to fully understand your unique situation and custom-tailor solutions that are right for you, not just convenient for us.

Holistic Risk Assessment

We look at your entire risk profile: human, digital, physical, financial, and regulatory. This comprehensive approach ensures nothing falls through the cracks.

Real People, Real Connections

When you call Winter-Dent, a person answers and connects you with someone who can truly help. We're not a gecko or a website, we're your neighbors and advisors.

The Little Things Matter

A personal phone call after a claim. Meetings to discuss life changes. Proactive emails with relevant details. We help with the big things because we focus on the small ones.
Join Our Team

Become an Owner

We're always looking for talented professionals who share our values and want to be part of something different. As a 100% employee-owned company, when you join Winter-Dent, you're not just getting a job, you're becoming an owner with a stake in our collective success.

Why Join Winter-Dent?

Work alongside fellow owners who care deeply about client service, continuous improvement, and building long-lasting relationships. Enjoy meaningful retirement benefits through our ESOP structure, a bigger voice in company decisions, and the satisfaction of being part of a team that truly lives the "Humans Helping Humans" philosophy every day.

Insights

Learn More About Winter-Dent

Real people. Real solutions. Ready to help.

Let’s Start with a Conversation

At Winter-Dent, connection is at the heart of everything we do. Whether you’re looking for guidance on your insurance program, want to explore our risk-management solutions, or simply prefer a more personal touch, we’re here to listen and help.

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