The Winter-Dent Difference & Why It Matters


Originally Posted 12/22/20 - Updated 9/6/22

Ask any business owner why someone should do business with them, and you’ll get similar answers: quality, service, price, and relationship. For years, those have been the shingles that businesses of all types and sizes have hung out front for all to see. However, what happens when the qualities that set you apart are no longer special? They’ve, instead, become the new normal…a basic expectation of doing business. When that happens, it forces you to look deeper… raise the bar and differentiate yourself according to higher standards.

At Winter-Dent, we understand that our clients automatically expect quality products, excellent customer service, competitive pricing, and trustworthy relationships. That’s why we choose instead to focus on areas that make a difference – to us, our clients, and the communities we serve.

The Winter-Dent Difference

Our positioning statement is “Humans Helping Humans.

For us, this statement embodies a philosophy that drives all of our interactions and decisions - with each other, with our customers, and with the communities we serve. Here’s how:


First of all, we are an ESOP-structured company. ESOP (Employee Stock Ownership Plan) means that since our employees are also owners, each of us has a tangible stake in the company’s success. We view every client interaction, every decision, and every strategy through the lens of long-term success.

We are more passionate about client care since we have a vested interest in meeting your goals – because when we meet your goals, we automatically meet our own.


Our passion for constant improvement means that we’re always on the lookout for ways to work with our clients and with each other in a more efficient and effective fashion. We embrace the technology and tools that have been vetted thoroughly for being best-in-class resources in risk management for our clients. Additionally, we partner with providers locally, nationally, and globally, that align with our mission of bringing solid, smart, and innovative relationships to the table on your behalf.           

Yes, I'd like information about assessing my business' digital risk.Process

Any insurance agency can quote and sell plans. But what separates the good from the great is the process of evaluating needs. Our approach is to fully understand your unique situation and then custom-tailor solutions that are right for you. 

Our process builds trustworthy and long-lasting relationships with our clients, year in and year out. We have the products…but what actually sets us apart is a proven process for assessing and managing your risk. You can relax knowing you can rely on us as an advisor for you rather than just another place to buy insurance.


This is the essence of Humans Helping Humans – never forgetting that we’re all people who care about and depend on each other for success. Our clients are our friends and neighbors, all with hopes and dreams, fears and worries. For that reason, we pledge to be disarmingly honest. We pride ourselves on telling you what you need to hear...not necessarily what you want to hear.

Communication is not just about who is connecting, but also HOW they’re connecting. Tying in with our commitment to technology and utilization of the right tools, we’re also leveraging things like blogs, social media, and other forms of marketing to make sure we meet you where you are and are constantly arming you with easy access to helpful and relevant information.

Constant Improvement

We’re never satisfied. We always debrief and analyze. We never stop critiquing ourselves, our systems, and our partnerships to improve WHAT we offer and HOW we offer it to you. We are insatiable learners who are driven to constant training and education – and frankly, in the world of risk management where things are constantly evolving – you should expect nothing less. You can be confident knowing that we’re always challenging ourselves to be better and as a result, to do better work on your behalf.

Bottom line, we’re never satisfied…so that you can be.

Operational Excellence

You want service quickly, easily, and comprehensively. You also want to be able to trust that your solutions will be there for you when you need them, in the way that they were promised to do so. Bottom line, you expect flawless execution – and it should reassure you that we do too.

At Winter-Dent, we have specialists in many different areas of risk management: everything from personal lines, and financial services to employee benefits, healthcare, worker’s compensation, and more. Because it’s practically impossible for one person to know everything, we have perfected the art of acting as your personal and commercial risk concierge. You no longer have to work through many different agencies but can instead work with one. We see the whole picture and therefore will provide you with customized and comprehensive solutions – all under one roof.


Accountability is a word that so many people dance around. Not us. Because insurance is such an intangible - until you need it - we choose to take the fluff out of the conversation. You come to us trusting that we’ll develop a strategic plan and then follow through. You expect us to do what we say we’re going to do. If we don’t, frankly, you should fire us.

We embrace a “no BS” philosophy of business. Our high level of accountability frees you to do what you do best without worry because you know we’ve got you covered.


Community Involvement

Again, it’s all about Humans Helping Humans. We live in and support the communities we serve. These are the areas where we shop and where our kids go to school. We realize the power of people working together to serve the community does more than meet a need, it promotes the growth, success, and enjoyment of what matters most in life.

We believe that it is our responsibility as community members to give back. You’ll see lots of great stories about what we’re up to on our Facebook page!

Why It Matters

I guess you could say that, while being a leader in cutting-edge resources, we’re still a bit old-fashioned. Founded in 1912, we’ve never forgotten our roots. Our founding philosophy of client satisfaction and loyalty sets us clearly apart from others in the industry. Our commitment to a relentless pursuit of excellence is working. We have grown since 1912 and are serving clients not only in Central Missouri but throughout the United States and around the world.

We’d love a chance to help you as well.


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