Blog

Municipality Insurance: How I Know First-Hand the Importance of Having the Right Policies in Place

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By: Drew Gilbert, Account Executive

As some may already know, I’m currently in my second term as mayor of my hometown. When I first came into office in 2012, we had just been hit very hard by the tornado outbreak in 2011. Coming in, I knew what I was getting into - it was no secret that we were in rough shape, and, unfortunately, I saw first-hand the aftermath of a city that was under-insured. We didn’t have enough insurance to... Read More

Commercial Umbrella Insurance: 3 Questions to Ask Yourself Before Purchasing

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By: Evan Chambers, Account Executive

As a business owner, you’re probably familiar with commercial umbrella insurance, or the coverage that comes into play when your underlying liability limits aren’t enough to cover the claim. While having an umbrella could possibly save your business from bankruptcy after an unfortunate event,... Read More

Honesty, Integrity, Trust: What It Means to Be a Family Business

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By: Byars|Wright

The history of Byars|Wright dates all the way back to 1946 when G.L Byars and Jean Byars started Byars Insurance Agency in the small town of Jasper, AL. With a business built on honesty, integrity and trust, G.L. would sell insurance door-to-door while his wife Jean ran the office, and even typed the policies to be delivered to customers.

After decades of building relationships and... Read More

Avoid Workers’ Compensation Claims by Preventing Heat-Related Illnesses on Construction Sites

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By: Gabe Clement, Commercial Insurance & Bonding

In the South, we all know how brutal the sun can be especially during the dogs days of summer. Those working on construction sites and roadwork projects are getting direct exposure, leaving them vulnerable to heat exhaustion, or worse, heat strokes.

This is why it’s no surprise that heat-related workers’ compensation claims are... Read More

Here’s What You Need to Know About Grocery Store Insurance

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By: Paul Burnett, Account Executive

Regardless of whether you operate a chain supermarket or a small, single independent grocery store, your exposures are the same, and in order to protect yourself and your business, you need the right insurance. When looking for the best policy, it’s important to work with an agent that’s knowledgeable and capable of finding adequate coverages at a reasonable price. That’s why, at Byars|Wright, we... Read More

How a Personal Umbrella Policy Can Protect You

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By: John Byars, Vice-President

Most people are aware that they need some type of personal liability insurance that’s going to protect them in a situation where there’s negligence, and either bodily injury or property damage. What many others aren’t aware of is the need for a personal umbrella policy. This type of policy is basically another limit of liability that sits over all your other liability policies, like your home and... Read More

Think Your Small Business Doesn’t Need Cyber Liability Insurance? Think Again.

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By: Matthew E. Gaston, Account Executive, CIC

Cybercrime is one of the most rapidly emerging, significant exposures to any business today. Both organized crime in the U.S., as well as foreign enemies, are hacking and stealing information from businesses in order to turn around and sell that information. According to the 2017 State of Cybersecurity in Small &... Read More

Reflecting on the Acquisition of JYC Insurance: Why Both Parties Agree It Was The Best Decision

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By: W. Haig Wright II, President

At Byars|Wright, we live by our motto that “relationships matter”; it’s our driving force, and our business hinges on it. From our clients to our insurance companies, we believe that having relationships built on trust is imperative. This is especially true when seeking out potential merger or acquisition partners. While both parties must take the time to... Read More

Byars|Wright named 2016 Best Companies to Work for in Alabama

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 AUGUST 2016 - JASPER - Byars|Wright Insurance was recently named as one of the Best Companies to Work for in Alabama. This seventh annual program was created by Business Alabama and Best Companies Group.

This program was designed to identify, recognize and honor the best employers in Alabama, benefiting the county's economy, workforce and businesses. The list is made up of 16 companies in both large and small to medium size catagories. Byars|Wright has been named one of this year’s... Read More

Byars|Wright Insurance receives statewide recognition

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Andy Byars (center), Vice President of Byars|Wright accepts this recognition from Sandra McCullough, Auto-Owners Regional Vice President and Jeff Harrold, Chairman and CEO of Auto-Owners.

JUNE 2016 - JASPER - Auto-Owners Insurance is pleased to announce Byars|Wright Insurance of Jasper, AL has been named one of the TOP 10 growth agencies for Auto-Owners in the State of Alabama for 2015. The agency was recognized at a luncheon meeting in Montgomery, and at a... Read More

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By: Drew Gilbert, Account Executive

As some may already know, I’m currently in my second term as mayor of my hometown. When I first came into office in 2012, we had just been hit very hard by the tornado outbreak in 2011. Coming in, I knew what I was getting into - it was no secret that we were in rough shape, and, unfortunately, I saw first-hand the aftermath of a city that was under-insured. We didn’t have enough insurance to build back anything – not our city hall, our police station, or even our fire station, and this should never be the story for a municipality. We should always have adequate coverage.

For this very reason, I’m extremely passionate about helping municipalities take care of their taxpayers because it’s something that I, myself, love to do. I can tell you confidently today that if we ever found ourselves the same situation, we’re going to have plenty of insurance money to rebuild the city’s infrastructure.

When working with a municipality, I know the coverage they need greatly depends on their unique story, and as an insurance agent, it’s my job to uncover that story and determine their specific needs. For someone that hasn’t done this type of insurance before, it can be quite challenging, and nearly impossible. That’s why I truly believe I’m able to provide valuable knowledge and a unique perspective when it comes to finding the right policies for municipalities. After all, I was first a customer and Mayor before an Insurance Agent, so I know what it takes.

When it comes to the types of coverage a municipality needs, it largely depends on the city or town’s assets.

What are they controlling? Do they own a utility board? Do they have a police department? Are their firefighters’ volunteers, or are they a paid staff? There are so many variables. A municipality that owns a gas system is going to have a lot more risks than one that owns a water system, and that’s why it’s so important to take all these factors into consideration.

In many cases, carriers will put a blanket over the top of municipalities and treat them all the same. But the fact is that all of us are unique; we have unique exposures, unique risks and unique stories; no two are identical.

Of course, municipalities with a police department need much different coverage than other entities.

The riskiest arm in municipalities is undoubtedly a man or a woman carrying a gun for their job. This factor alone adds so much emphasis to the liability that can come out of that department. You’ve seen the volatile relationships play out on the news, and the key here is to be proactive by putting policies, procedures and training in place to try to avoid these situations. Along with city employees carrying a lethal weapon, having a police department makes their property risks very unique, as covering a city hall or jail is much different than covering a retail store.

Need help getting the right municipality insurance policies in place?

If you’d like to make sure you have the essential policies in place, you can contact me through the website, email, phone, carrier pigeon; however you want to get in touch. We’ll start with discussing your situation and priorities before taking a deeper dive into your current policies and coverage. If we find you’re under-insured, we can find you the coverage you need at the best rate possible.

At the end of the day, when we’ve looked at all the options, we want to make sure your municipality gets the strongest coverage and the biggest bang for your buck in order to help your community thrive into the future.

Byars|Wright has developed into a major provider of commercial insurance that delivers a wide-range of insurance products with quality coverage at competitive prices. As an independent insurance agency, we represent numerous companies, all with a history of excellent service. Through these companies, we will find the best pricing and coverage available for our customers.  We hope you’ll reach out to us today online, or give us a call at (205) 694-0088. At Byars|Wright, Relationships Matter.

[msg_short] => [ft_search] => By: Drew Gilbert, Account Executive As some may already know, I’m currently in my second term as mayor of my hometown. When I first came into office in 2012, we had just been hit very hard by the tornado outbreak in 2011. Coming in, I knew what I was getting into - it was no secret that we were in rough shape, and, unfortunately, I saw first-hand the aftermath of a city that was under-insured. We didn’t have enough insurance to build back anything – not our city hall, our police station, or even our fire station, and this should never be the story for a municipality. We should always have adequate coverage. For this very reason, I’m extremely passionate about helping municipalities take care of their taxpayers because it’s something that I, myself, love to do. I can tell you confidently today that if we ever found ourselves the same situation, we’re going to have plenty of insurance money to rebuild the city’s infrastructure. When working with a municipality, I know the coverage they need greatly depends on their unique story, and as an insurance agent, it’s my job to uncover that story and determine their specific needs. For someone that hasn’t done this type of insurance before, it can be quite challenging, and nearly impossible. That’s why I truly believe I’m able to provide valuable knowledge and a unique perspective when it comes to finding the right policies for municipalities. After all, I was first a customer and Mayor before an Insurance Agent, so I know what it takes. When it comes to the types of coverage a municipality needs, it largely depends on the city or town’s assets. What are they controlling? Do they own a utility board? Do they have a police department? Are their firefighters’ volunteers, or are they a paid staff? There are so many variables. A municipality that owns a gas system is going to have a lot more risks than one that owns a water system, and that’s why it’s so important to take all these factors into consideration. In many cases, carriers will put a blanket over the top of municipalities and treat them all the same. But the fact is that all of us are unique; we have unique exposures, unique risks and unique stories; no two are identical. Of course, municipalities with a police department need much different coverage than other entities. The riskiest arm in municipalities is undoubtedly a man or a woman carrying a gun for their job. This factor alone adds so much emphasis to the liability that can come out of that department. You’ve seen the volatile relationships play out on the news, and the key here is to be proactive by putting policies, procedures and training in place to try to avoid these situations. Along with city employees carrying a lethal weapon, having a police department makes their property risks very unique, as covering a city hall or jail is much different than covering a retail store. Need help getting the right municipality insurance policies in place? If you’d like to make sure you have the essential policies in place, you can contact me through the website, email, phone, carrier pigeon; however you want to get in touch. We’ll start with discussing your situation and priorities before taking a deeper dive into your current policies and coverage. If we find you’re under-insured, we can find you the coverage you need at the best rate possible. At the end of the day, when we’ve looked at all the options, we want to make sure your municipality gets the strongest coverage and the biggest bang for your buck in order to help your community thrive into the future. Byars|Wright has developed into a major provider of commercial insurance that delivers a wide-range of insurance products with quality coverage at competitive prices. As an independent insurance agency, we represent numerous companies, all with a history of excellent service. Through these companies, we will find the best pricing and coverage available for our customers.  We hope you’ll reach out to us today online, or give us a call at (205) 694-0088. At Byars|Wright, Relationships Matter. 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By: Evan Chambers, Account Executive

As a business owner, you’re probably familiar with commercial umbrella insurance, or the coverage that comes into play when your underlying liability limits aren’t enough to cover the claim. While having an umbrella could possibly save your business from bankruptcy after an unfortunate event, without one, that money would be coming out of your pocket. For many businesses, that could spell disaster.

While the majority of business owners understand the need for an umbrella policy, there’s not always a cut-and-dry way to determine how much umbrella coverage is needed. More often than not, it’s going to require a risk management discussion between the owner, Chief Financial Officer, and other top-level management in order to determine the probability of the company experiencing a loss that could get into umbrella limits. When determining how much umbrella coverage your business needs, you can start by asking yourself these three questions.

How much commercial umbrella insurance is required for my industry?

Whether or not a specific amount of umbrella insurance is required depends a lot on the industry. For example, when it comes to construction, many times the general contractor on the job will set certain insurance requirements, including how large your umbrella policy should be. A lot of times it ranges from $5 million to $10 million depending on the size of the job.

How many drivers do I have on the road?

It’s well-known in the insurance industry that the majority of umbrella claims come from automobile loses. In the last 8 years or so, insurances companies across the nation have lost a significant amount of money insuring automobiles, both commercial and personal. To no surprise, this is largely due to distracted driving, with our cell phones being the main culprit. Along with distracted driving, the economy has picked up tremendously in the last 8 years, and that means there are more people on the road – not only more families, but company vehicles as well.

You see these types of tragic stories on the news all the time. All it takes is one company driver taking their eyes off the road for a few seconds to cause a deadly accident. If this were to happen to your business, and you do not have an umbrella policy, will the auto limits alone be sufficient enough to cover the claim? Probably not.

What assets does my business have, and how much can it absorb?

As a business, you must decide that if a tragic event happens, can you A) Pay it out of pocket, or B) What part of your business are you willing to liquidate to cover the loss? If neither is a viable option, the business needs to transfer that risk by means of an umbrella policy.

While the costs of an umbrella policy are typically very low for the amount of insurance you’re getting, most business owners often do not realize how cost-effective umbrella policies can be. Depending on a few factors like the type of industry, businesses can pay around $1,000 a year for $1 million in umbrella limits. For most business owners, that’s an easy decision.

Companies that have a lot of vehicles on the road, operate in a high hazard industry, or want to protect the company’s future need to evaluate their potential for a large loss and manage that risk with an umbrella policy. Unfortunate events happen to the best of companies, but those events do not have to cripple the business.

Byars|Wright has developed into a major provider of commercial insurance that delivers a wide-range of insurance products with quality coverage at competitive prices. As an independent insurance agency, we represent numerous companies, all with a history of excellent service. Through these companies, we will find the best pricing and coverage available for our customers.  We hope you’ll reach out to us today online, or give us a call at (205) 694-0088. At Byars|Wright, Relationships Matter.

 

[msg_short] => [ft_search] => By: Evan Chambers, Account Executive As a business owner, you’re probably familiar with commercial umbrella insurance, or the coverage that comes into play when your underlying liability limits aren’t enough to cover the claim. While having an umbrella could possibly save your business from bankruptcy after an unfortunate event, without one, that money would be coming out of your pocket. For many businesses, that could spell disaster. While the majority of business owners understand the need for an umbrella policy, there’s not always a cut-and-dry way to determine how much umbrella coverage is needed. More often than not, it’s going to require a risk management discussion between the owner, Chief Financial Officer, and other top-level management in order to determine the probability of the company experiencing a loss that could get into umbrella limits. When determining how much umbrella coverage your business needs, you can start by asking yourself these three questions. How much commercial umbrella insurance is required for my industry? Whether or not a specific amount of umbrella insurance is required depends a lot on the industry. For example, when it comes to construction, many times the general contractor on the job will set certain insurance requirements, including how large your umbrella policy should be. A lot of times it ranges from $5 million to $10 million depending on the size of the job. How many drivers do I have on the road? It’s well-known in the insurance industry that the majority of umbrella claims come from automobile loses. In the last 8 years or so, insurances companies across the nation have lost a significant amount of money insuring automobiles, both commercial and personal. To no surprise, this is largely due to distracted driving, with our cell phones being the main culprit. Along with distracted driving, the economy has picked up tremendously in the last 8 years, and that means there are more people on the road – not only more families, but company vehicles as well. You see these types of tragic stories on the news all the time. All it takes is one company driver taking their eyes off the road for a few seconds to cause a deadly accident. If this were to happen to your business, and you do not have an umbrella policy, will the auto limits alone be sufficient enough to cover the claim? Probably not. What assets does my business have, and how much can it absorb? As a business, you must decide that if a tragic event happens, can you A) Pay it out of pocket, or B) What part of your business are you willing to liquidate to cover the loss? If neither is a viable option, the business needs to transfer that risk by means of an umbrella policy. While the costs of an umbrella policy are typically very low for the amount of insurance you’re getting, most business owners often do not realize how cost-effective umbrella policies can be. Depending on a few factors like the type of industry, businesses can pay around $1,000 a year for $1 million in umbrella limits. For most business owners, that’s an easy decision. Companies that have a lot of vehicles on the road, operate in a high hazard industry, or want to protect the company’s future need to evaluate their potential for a large loss and manage that risk with an umbrella policy. Unfortunate events happen to the best of companies, but those events do not have to cripple the business. Byars|Wright has developed into a major provider of commercial insurance that delivers a wide-range of insurance products with quality coverage at competitive prices. As an independent insurance agency, we represent numerous companies, all with a history of excellent service. Through these companies, we will find the best pricing and coverage available for our customers.  We hope you’ll reach out to us today online, or give us a call at (205) 694-0088. At Byars|Wright, Relationships Matter.   [google_genres] => Blog [photo_path] => 9456115b63266ae.jpg [thumb_path] => 9456115b63266ae.jpg [account] => [total] => 10 [image] => //www.byarswright.com/tyfoon/site/pages/images/9456115b63266ae.jpg [thumb] => //www.byarswright.com/tyfoon/site/pages/thumbs/9456115b63266ae.jpg ) [98815] => Array ( [pageid] => 98815 [addl_slot1] => [addl_slot2] => [addl_slot3] => [p_1700] => 0 [p_1701] => 6 [title] => Honesty, Integrity, Trust: What It Means to Be a Family Business [keywords] => [alternate_title] => [published] => 2018-08-08 00:00:00 [expireson] => 0000-00-00 00:00:00 [url] => honesty-integrity-trust-what-it-means-to-be-a-family-business.php [active] => 1 [restricted] => 0 [adult] => 0 [comments] => 1 [comments_cnt] => 0 [ratings] => 0 [ratings_avg] => 0 [ratings_cnt] => 0 [templateid] => index [widgets] => 1 [accountid] => 0 [memberid] => 0 [productid] => 0 [authorid] => 654 [createdon] => 2018-09-04T08:41:01-04:00 [createdby] => admin [modifiedon] => 2018-10-10T15:41:22-04:00 [modifiedby] => zeekee [approvedon] => 2018-09-04T08:41:01-04:00 [approvedby] => admin [rejectedon] => [rejectedby] => [rejectedreason] => [msg] =>

By: Byars|Wright

The history of Byars|Wright dates all the way back to 1946 when G.L Byars and Jean Byars started Byars Insurance Agency in the small town of Jasper, AL. With a business built on honesty, integrity and trust, G.L. would sell insurance door-to-door while his wife Jean ran the office, and even typed the policies to be delivered to customers.

After decades of building relationships and becoming a trusted partner to countless families and businesses in the area, the Byars Insurance Agency merged with their friendly competitors down the street, the Primm-Wright Agency in 1990. Later in 2014, Byars & Associates rebranded to the name we all know today – Byars|Wright, Inc. – where the company has now grown into three generations of two families.

“Being a third generation, I can sit here and look at the values my grandparents lived and worked by when they first started the business, and they’re still prevalent today,” said Andy Byars, Vice-President. “It’s a business that’s built off of trust and relationships, which will always be the heart of our business.”

Agency President, Haig Wright II, goes on to add, “We’re a close family, and there’s trust and loyalty ingrained in who we are. We’re families that want to build on that legacy and see one another succeed. There’s some satisfaction of seeing your son follow in your own footsteps. We began and still are a small town, family agency.”

Oliver Wright remembers how he discovered that the family business was the right path for him. “I’ve watched my dad work hard and relate to people, building relationships in our community for as long as I can remember. When I was younger, I used to walk up the hill from Maddox after school and sit in his office. You could say I’ve known I wanted to be a part of our insurance business since then,” said Oliver Wright. “I’ve been in the industry a little more than three years now and am happy to say I have a career that I enjoy, not just a job. Working in our family business has given me an incredible opportunity to succeed in life. It is a blessing to get to work with friends and family every day. Our culture is what allows our agency to thrive.”

While we continually strive to build a cohesive culture, we’re not just a team at Byars|Wright, we’re a family.

Through this emphasis on family, we’re able to identify those that share the same values that are at the heart of our business. The success of any company is defined by the quality of the people who work there. Byars|Wright aims to find, and keep quality talent that holds the same core values.

“As our agency continues to grow, recruiting and developing young producers is of highest priority. But understand, it’s not all about professional development and growing a customer base. We get to watch these young people walk through all the different seasons of life - seasons of joy and also the tough stuff,” said John Byars, Vice-President. “Therefore, if our leaders don’t invest in their personal growth as much as their professional, we have failed them. You’ve got to love your people - know them, invest in them, encourage them, believe in them, and then we get to watch them do big things. That’s been our model for over 70 years. It’s how we win and it’s the real deal. It’s family.”

“What this agency means to me is difficult to put into words. We are as close to family as you can get. ByarsIWright has given me every opportunity in the world to succeed, not only in our industry but to succeed in life. In this day and age where agencies all across the United States are selling out to banks or global sized brokerage firms – it sets us apart knowing we are not going anywhere,” said Gabe Clement, Commercial Insurance & Bonding. “Since 1946, we’ve been an Agency built on relationships, and our core values and culture will never change. Our clients can feel that as well – they love the small town, local feel, but know at the end of the day, our programs, knowledge, and resources are second to none. I am truly blessed to wake up every single morning and it does not feel like I am going to my job.”

At the end of the day, the culture we create bleeds over into the customers we serve.

We truly believe that each of our clients feels the cohesiveness of our agency, and through this ability to relate with us, our customers know that we value relationships above all else. As they get to know more about our agency, they also trust that we have the knowledge to protect them and their business during even the worst of events.   

“We’ve been able to blend that special combination of family environment and community with top-level resources and company lineup strength. Our world is changing so fast, especially our industry, so we are intentional about reinvesting in the company. Being proactive is essential. Whether it be hiring a new team member, providing ongoing training for our current team or improving technology, we are committed to providing our clients with an elite customer experience”, states John Byars, Vice-President. “We don’t always get it right, but we are committed to excellence and will never be content with lowering our standards. I can promise you that.”

Since the beginning, Byars|Wright has been an agency “Where Relationships Matter.” It’s our motto, and it drives everything we do. We strive to treat others the way we want to be treated, and this seeps into every relationship we build, whether it’s a customer, prospect, employee, or friend. Selling insurance is not our mission. It’s all about building and protecting relationships - that’s the mission. With every relationship, we seek to understand, we earn trust and then we deliver on our promises - no exceptions.

“Byars|Wright focuses on building relationships with everyone they come in contact with – both their staff and their clients. The agency does a great job of promoting a welcoming, family-oriented environment for all of their employees, as opposed to just being a place to work. The staff then naturally relays that same approach to our customers to make them feel a part of something greater than just a business transaction,” explains Mitchell Garnett, Director of Operations.

As an agency, we’ve found that being a family business not only benefits our company culture but our clients as well. Byars|Wright is a family business, and no matter how you look at it, it all goes back to relationships. We truly believe that when you’re family-oriented, your team tends to be family-focused as well, and these family values built on loyalty and trust are exactly what we want our clients to feel each and every time they do business with us.

 Byars|Wright has developed into a major provider of commercial insurance that delivers a wide-range of insurance products with quality coverage at competitive prices. As an independent insurance agency, we represent numerous companies, all with a history of excellent service. Through these companies, we will find the best pricing and coverage available for our customers.  We hope you’ll reach out to us today online, or give us a call at (205) 694-0088. At Byars|Wright, Relationships Matter.

[msg_short] => [ft_search] => By: Byars|Wright The history of Byars|Wright dates all the way back to 1946 when G.L Byars and Jean Byars started Byars Insurance Agency in the small town of Jasper, AL. With a business built on honesty, integrity and trust, G.L. would sell insurance door-to-door while his wife Jean ran the office, and even typed the policies to be delivered to customers. After decades of building relationships and becoming a trusted partner to countless families and businesses in the area, the Byars Insurance Agency merged with their friendly competitors down the street, the Primm-Wright Agency in 1990. Later in 2014, Byars & Associates rebranded to the name we all know today – Byars|Wright, Inc. – where the company has now grown into three generations of two families. “Being a third generation, I can sit here and look at the values my grandparents lived and worked by when they first started the business, and they’re still prevalent today,” said Andy Byars, Vice-President. “It’s a business that’s built off of trust and relationships, which will always be the heart of our business.” Agency President, Haig Wright II, goes on to add, “We’re a close family, and there’s trust and loyalty ingrained in who we are. We’re families that want to build on that legacy and see one another succeed. There’s some satisfaction of seeing your son follow in your own footsteps. We began and still are a small town, family agency.” Oliver Wright remembers how he discovered that the family business was the right path for him. “I’ve watched my dad work hard and relate to people, building relationships in our community for as long as I can remember. When I was younger, I used to walk up the hill from Maddox after school and sit in his office. You could say I’ve known I wanted to be a part of our insurance business since then,” said Oliver Wright. “I’ve been in the industry a little more than three years now and am happy to say I have a career that I enjoy, not just a job. Working in our family business has given me an incredible opportunity to succeed in life. It is a blessing to get to work with friends and family every day. Our culture is what allows our agency to thrive.” While we continually strive to build a cohesive culture, we’re not just a team at Byars|Wright, we’re a family. Through this emphasis on family, we’re able to identify those that share the same values that are at the heart of our business. The success of any company is defined by the quality of the people who work there. Byars|Wright aims to find, and keep quality talent that holds the same core values. “As our agency continues to grow, recruiting and developing young producers is of highest priority. But understand, it’s not all about professional development and growing a customer base. We get to watch these young people walk through all the different seasons of life - seasons of joy and also the tough stuff,” said John Byars, Vice-President. “Therefore, if our leaders don’t invest in their personal growth as much as their professional, we have failed them. You’ve got to love your people - know them, invest in them, encourage them, believe in them, and then we get to watch them do big things. That’s been our model for over 70 years. It’s how we win and it’s the real deal. It’s family.” “What this agency means to me is difficult to put into words. We are as close to family as you can get. ByarsIWright has given me every opportunity in the world to succeed, not only in our industry but to succeed in life. In this day and age where agencies all across the United States are selling out to banks or global sized brokerage firms – it sets us apart knowing we are not going anywhere,” said Gabe Clement, Commercial Insurance & Bonding. “Since 1946, we’ve been an Agency built on relationships, and our core values and culture will never change. Our clients can feel that as well – they love the small town, local feel, but know at the end of the day, our programs, knowledge, and resources are second to none. I am truly blessed to wake up every single morning and it does not feel like I am going to my job.” At the end of the day, the culture we create bleeds over into the customers we serve. We truly believe that each of our clients feels the cohesiveness of our agency, and through this ability to relate with us, our customers know that we value relationships above all else. As they get to know more about our agency, they also trust that we have the knowledge to protect them and their business during even the worst of events.    “We’ve been able to blend that special combination of family environment and community with top-level resources and company lineup strength. Our world is changing so fast, especially our industry, so we are intentional about reinvesting in the company. Being proactive is essential. Whether it be hiring a new team member, providing ongoing training for our current team or improving technology, we are committed to providing our clients with an elite customer experience”, states John Byars, Vice-President. “We don’t always get it right, but we are committed to excellence and will never be content with lowering our standards. I can promise you that.” Since the beginning, Byars|Wright has been an agency “Where Relationships Matter.” It’s our motto, and it drives everything we do. We strive to treat others the way we want to be treated, and this seeps into every relationship we build, whether it’s a customer, prospect, employee, or friend. Selling insurance is not our mission. It’s all about building and protecting relationships - that’s the mission. With every relationship, we seek to understand, we earn trust and then we deliver on our promises - no exceptions. “Byars|Wright focuses on building relationships with everyone they come in contact with – both their staff and their clients. The agency does a great job of promoting a welcoming, family-oriented environment for all of their employees, as opposed to just being a place to work. The staff then naturally relays that same approach to our customers to make them feel a part of something greater than just a business transaction,” explains Mitchell Garnett, Director of Operations. As an agency, we’ve found that being a family business not only benefits our company culture but our clients as well. Byars|Wright is a family business, and no matter how you look at it, it all goes back to relationships. We truly believe that when you’re family-oriented, your team tends to be family-focused as well, and these family values built on loyalty and trust are exactly what we want our clients to feel each and every time they do business with us.  Byars|Wright has developed into a major provider of commercial insurance that delivers a wide-range of insurance products with quality coverage at competitive prices. As an independent insurance agency, we represent numerous companies, all with a history of excellent service. Through these companies, we will find the best pricing and coverage available for our customers.  We hope you’ll reach out to us today online, or give us a call at (205) 694-0088. At Byars|Wright, Relationships Matter. 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By: Gabe Clement, Commercial Insurance & Bonding

In the South, we all know how brutal the sun can be especially during the dogs days of summer. Those working on construction sites and roadwork projects are getting direct exposure, leaving them vulnerable to heat exhaustion, or worse, heat strokes.

This is why it’s no surprise that heat-related workers’ compensation claims are fairly common this time of year. Luckily, there are many things employers can do to prevent heat-related illnesses, and below are five effective ways to avoid unnecessary heated-related workers’ comp claims this summer.

  1. Know the signs. All employers in the construction industry should know the signs of both heat exhaustion and heat stroke. Of course, while heat exhaustion isn’t necessarily detrimental enough to shut down a job site or send the employee to the hospital, the person will experience symptoms like cramps and nausea. When this happens, it’s crucial to get them cooled off as soon as possible.

On the other hand, during a heat-stroke, the person will actually stop sweating, and their temperature will go up to about 104 to 106 degrees, along with other symptoms like vomiting and rapid heartbeat. This is obviously a more serious condition, and the person should be taken to the hospital immediately. Whoever’s in charge of the job site should know these signs like the back of their hand and be ready to act as soon as they spot them.   

  1. Educate employees. Along with the person in charge understanding the symptoms, it’s important to teach employees as well. From knowing when it’s time to take a water break, to remaining calm if a co-worker becomes ill, these types of toolbox talks can help everyone feel better prepared and ready to take action, if need be. 

We’ve developed materials and binders that include toolbox talks and safety manuals and found that they can be very helpful for employers and project managers to keep their job site safe. Building a culture of safety for your company and your job sites can really help control workers’ compensation costs, and it starts with educating all those involved.

  1. Have routine breaks. This may be a given, but employers should always supply water or Gatorade on the job-site. While some employees may opt to bring a Diet Dr. Pepper to work, job-site managers should have plenty of water and other hydrating beverages available while encouraging routine breaks for employees to cool down.

  2. Start work earlier. When I was in construction, we started two hours earlier in the morning so that we could get done before the sun was at its worst. This really helped to beat the heat and may be something to consider if scheduling allows on your next job.

There’s no doubt that the construction industry is one of the most high-hazard industries out there, especially with the heat this time of year. That’s why employers must proactively monitor employees and not push them over the limit during these hot summer months.

Along with keeping that in mind, by simply knowing the signs of these heat-related illnesses and taking steps to prevent them from occurring, you’re going to be far less likely to have any heat-related workers comp claims this summer.

At Byars|Wright, we are committed to helping you establish a strong safety program that minimizes your workers’ compensation exposures. I’d love the opportunity to stop by, shake your hand, and see how our team can help. You can reach me anytime at 205-221-8665.

“Every promise we make - and we mean every single one - is made on the belief that understanding is essential, trust is earned, and execution is everything. Above all, relationships matter.”

Email Gabe Clement at gclement@byarswright.com.

As an independent insurance agency, we represent numerous companies, all with a history of excellent service. Through these companies, we will find the best pricing and coverage available for our customers.  We hope you’ll reach out to us today online, or give us a call at (205) 694-0088.

Byars|Wright, Inc.. is a locally owned and operated independent insurance agency with offices in the greater Birmingham area that has developed into a major provider of commercial and personal insurance. Since 1946, the agency has made acquisitions to expand its scope of business and delivers a wide-range of insurance products with quality coverage at competitive prices. Byars|Wright has been designated a Best Practices Agency by the Independent Insurance Agents and Brokers of America and was also named “Best Companies to Work For in Alabama” by Business Alabama  in 2016, 2017, and 2018. Byars|Wright, Where Relationships Matter. www.byarswright.com.

[msg_short] => [ft_search] => By: Gabe Clement, Commercial Insurance & Bonding In the South, we all know how brutal the sun can be especially during the dogs days of summer. Those working on construction sites and roadwork projects are getting direct exposure, leaving them vulnerable to heat exhaustion, or worse, heat strokes. This is why it’s no surprise that heat-related workers’ compensation claims are fairly common this time of year. Luckily, there are many things employers can do to prevent heat-related illnesses, and below are five effective ways to avoid unnecessary heated-related workers’ comp claims this summer. Know the signs. All employers in the construction industry should know the signs of both heat exhaustion and heat stroke. Of course, while heat exhaustion isn’t necessarily detrimental enough to shut down a job site or send the employee to the hospital, the person will experience symptoms like cramps and nausea. When this happens, it’s crucial to get them cooled off as soon as possible. On the other hand, during a heat-stroke, the person will actually stop sweating, and their temperature will go up to about 104 to 106 degrees, along with other symptoms like vomiting and rapid heartbeat. This is obviously a more serious condition, and the person should be taken to the hospital immediately. Whoever’s in charge of the job site should know these signs like the back of their hand and be ready to act as soon as they spot them.    Educate employees. Along with the person in charge understanding the symptoms, it’s important to teach employees as well. From knowing when it’s time to take a water break, to remaining calm if a co-worker becomes ill, these types of toolbox talks can help everyone feel better prepared and ready to take action, if need be.  We’ve developed materials and binders that include toolbox talks and safety manuals and found that they can be very helpful for employers and project managers to keep their job site safe. Building a culture of safety for your company and your job sites can really help control workers’ compensation costs, and it starts with educating all those involved. Have routine breaks. This may be a given, but employers should always supply water or Gatorade on the job-site. While some employees may opt to bring a Diet Dr. Pepper to work, job-site managers should have plenty of water and other hydrating beverages available while encouraging routine breaks for employees to cool down. Start work earlier. When I was in construction, we started two hours earlier in the morning so that we could get done before the sun was at its worst. This really helped to beat the heat and may be something to consider if scheduling allows on your next job. There’s no doubt that the construction industry is one of the most high-hazard industries out there, especially with the heat this time of year. That’s why employers must proactively monitor employees and not push them over the limit during these hot summer months. Along with keeping that in mind, by simply knowing the signs of these heat-related illnesses and taking steps to prevent them from occurring, you’re going to be far less likely to have any heat-related workers comp claims this summer. At Byars|Wright, we are committed to helping you establish a strong safety program that minimizes your workers’ compensation exposures. I’d love the opportunity to stop by, shake your hand, and see how our team can help. You can reach me anytime at 205-221-8665. “Every promise we make - and we mean every single one - is made on the belief that understanding is essential, trust is earned, and execution is everything. Above all, relationships matter.” Email Gabe Clement at gclement@byarswright.com. As an independent insurance agency, we represent numerous companies, all with a history of excellent service. Through these companies, we will find the best pricing and coverage available for our customers.  We hope you’ll reach out to us today online, or give us a call at (205) 694-0088. Byars|Wright, Inc.. is a locally owned and operated independent insurance agency with offices in the greater Birmingham area that has developed into a major provider of commercial and personal insurance. Since 1946, the agency has made acquisitions to expand its scope of business and delivers a wide-range of insurance products with quality coverage at competitive prices. Byars|Wright has been designated a Best Practices Agency by the Independent Insurance Agents and Brokers of America and was also named “Best Companies to Work For in Alabama” by Business Alabama  in 2016, 2017, and 2018. Byars|Wright, Where Relationships Matter. www.byarswright.com. [google_genres] => Blog [photo_path] => eddad8e7e355b25.jpg [thumb_path] => eddad8e7e355b25.jpg [account] => [total] => 10 [image] => //www.byarswright.com/tyfoon/site/pages/images/eddad8e7e355b25.jpg [thumb] => //www.byarswright.com/tyfoon/site/pages/thumbs/eddad8e7e355b25.jpg ) [98813] => Array ( [pageid] => 98813 [addl_slot1] => [addl_slot2] => [addl_slot3] => [p_1700] => 0 [p_1701] => 4 [title] => Here’s What You Need to Know About Grocery Store Insurance [keywords] => grocery store insurance, umbrella policies [alternate_title] => [published] => 2018-07-16 00:00:00 [expireson] => 0000-00-00 00:00:00 [url] => bloggrocery-store-insurance.php [active] => 1 [restricted] => 0 [adult] => 0 [comments] => 0 [comments_cnt] => 0 [ratings] => 0 [ratings_avg] => 0 [ratings_cnt] => 0 [templateid] => carousel [widgets] => 1 [accountid] => 0 [memberid] => 0 [productid] => 0 [authorid] => 654 [createdon] => 2018-07-25T10:22:18-04:00 [createdby] => admin [modifiedon] => 2018-08-02T10:07:14-04:00 [modifiedby] => admin [approvedon] => 2018-07-25T10:22:18-04:00 [approvedby] => admin [rejectedon] => [rejectedby] => [rejectedreason] => [msg] =>

By: Paul Burnett, Account Executive

Regardless of whether you operate a chain supermarket or a small, single independent grocery store, your exposures are the same, and in order to protect yourself and your business, you need the right insurance. When looking for the best policy, it’s important to work with an agent that’s knowledgeable and capable of finding adequate coverages at a reasonable price. That’s why, at Byars|Wright, we customize our policies to the person and the industry before seeking out carriers that have that same philosophy, a true understanding of the business, and a willingness to tailor their policies to suit your individual needs.

What’s Generally Covered under A Grocery Store Insurance Policy?

Liability Coverage – Your liability coverage is going to protect you financially if anyone files a claim or lawsuit against your business. Included in your liability coverage is general liability that’s basically your slip-fall type of liability, as well as Products and Completed Operation Liability that comes into play with the items you sell. Also included are Personal Injury and Advertising Liability that protects you if your advertising results in the injury or financial loss of a third party. Other coverage commonly included with General Liability is Liquor Liability, Employee Benefits Liability, and Auto Liability.

Property Coverage – This coverage is going to protect your building, contents, and equipment. Along with Building Coverage that ensures your building, Contents Coverage, also known as Business Personal Property, is extremely important. This is going to include your inventory at cost, fixtures, some equipment, check stands, computers, and anything else it takes to operate the store that’s not really considered part of the building. Since the equipment used to keep items frozen or cold is one of the most important parts of any grocery store, Equipment Breakdown Coverage is essential. While this isn’t a wear-and-tear warranty type coverage, it does protect you in case your equipment suddenly breaks down.

Your Business Income Coverage is part of Property Coverage as well, and this is the income that it would take to keep you paying your bills, paying your employees and paying your debts if an incident were to happen. Other important Property Coverage Policies include Food Spoilage Coverage, Specialized Computer Coverage, and Utility Services Interruption Coverage among others.

Crime Coverage – Grocery stores handle a lot of cash and make large deposits every day, making it necessary to have some type of coverage if a crime was to occur. For example, your Money and Securities Coverage is going to come into play if there’s a robbery at the store, or if an employee is robbed while making a deposit. With Employee Dishonesty, you’ll be covered if an employee steals cash from your business.

Why Buy Your Grocery Store Insurance Policy Through Byars|Wright?

I’ve worked primarily with grocery stores throughout my career and have twenty years of experience in the industry. I have a deep understanding of grocery store operators’ needs, I know the potential claims, and I’m aware of the exposures that are out there. Through this knowledge and experience, I’m able to tailor a policy for you that’s going to be affordable while meeting the needs of your business.

Since I currently work with others in the grocery industry, I know what carrier is doing the best right now and will handle claims and provide the best coverages for a fair premium. Plus, we have our own claims department that’s keeping the pressure on those adjusters to ensure they’re getting everything resolved as quickly as possible.

Schedule Your Grocery Insurance Consultation

If you’d like for me to review your current grocery store insurance policy, don’t hesitate to reach out. I’d be happy to come out and meet with you to take a look at where you are. While I’ll let you know if I see instances where you’re missing important coverage or areas you should increase coverage, I’m not afraid to tell you that you’re in a really good place. The bottom line is, I’m in the business of helping the independent grocer, not just trying to sell a policy.

At Byars|Wright, We Protect Relationships. Every promise we make - and we mean every single one - is made on the belief that understanding is essential, trust is earned, and execution is everything. But above all else, Relationships Matter.


Contact Paul Burnett: pburnett@byarswright.com

Byars|Wright has developed into a major provider of commercial insurance that delivers a wide range of insurance products with quality coverage at competitive prices. As an independent insurance agency, we represent numerous companies, all with a history of excellent service. Through these companies, we will find the best pricing and coverage available for our customers. We hope you’ll reach out to us today online, or give us a call at (205) 694-0088.

[msg_short] => [ft_search] => By: Paul Burnett, Account Executive Regardless of whether you operate a chain supermarket or a small, single independent grocery store, your exposures are the same, and in order to protect yourself and your business, you need the right insurance. When looking for the best policy, it’s important to work with an agent that’s knowledgeable and capable of finding adequate coverages at a reasonable price. That’s why, at Byars|Wright, we customize our policies to the person and the industry before seeking out carriers that have that same philosophy, a true understanding of the business, and a willingness to tailor their policies to suit your individual needs. What’s Generally Covered under A Grocery Store Insurance Policy? Liability Coverage – Your liability coverage is going to protect you financially if anyone files a claim or lawsuit against your business. Included in your liability coverage is general liability that’s basically your slip-fall type of liability, as well as Products and Completed Operation Liability that comes into play with the items you sell. Also included are Personal Injury and Advertising Liability that protects you if your advertising results in the injury or financial loss of a third party. Other coverage commonly included with General Liability is Liquor Liability, Employee Benefits Liability, and Auto Liability. Property Coverage – This coverage is going to protect your building, contents, and equipment. Along with Building Coverage that ensures your building, Contents Coverage, also known as Business Personal Property, is extremely important. This is going to include your inventory at cost, fixtures, some equipment, check stands, computers, and anything else it takes to operate the store that’s not really considered part of the building. Since the equipment used to keep items frozen or cold is one of the most important parts of any grocery store, Equipment Breakdown Coverage is essential. While this isn’t a wear-and-tear warranty type coverage, it does protect you in case your equipment suddenly breaks down. Your Business Income Coverage is part of Property Coverage as well, and this is the income that it would take to keep you paying your bills, paying your employees and paying your debts if an incident were to happen. Other important Property Coverage Policies include Food Spoilage Coverage, Specialized Computer Coverage, and Utility Services Interruption Coverage among others. Crime Coverage – Grocery stores handle a lot of cash and make large deposits every day, making it necessary to have some type of coverage if a crime was to occur. For example, your Money and Securities Coverage is going to come into play if there’s a robbery at the store, or if an employee is robbed while making a deposit. With Employee Dishonesty, you’ll be covered if an employee steals cash from your business. Why Buy Your Grocery Store Insurance Policy Through Byars|Wright? I’ve worked primarily with grocery stores throughout my career and have twenty years of experience in the industry. I have a deep understanding of grocery store operators’ needs, I know the potential claims, and I’m aware of the exposures that are out there. Through this knowledge and experience, I’m able to tailor a policy for you that’s going to be affordable while meeting the needs of your business. Since I currently work with others in the grocery industry, I know what carrier is doing the best right now and will handle claims and provide the best coverages for a fair premium. Plus, we have our own claims department that’s keeping the pressure on those adjusters to ensure they’re getting everything resolved as quickly as possible. Schedule Your Grocery Insurance Consultation If you’d like for me to review your current grocery store insurance policy, don’t hesitate to reach out. I’d be happy to come out and meet with you to take a look at where you are. While I’ll let you know if I see instances where you’re missing important coverage or areas you should increase coverage, I’m not afraid to tell you that you’re in a really good place. The bottom line is, I’m in the business of helping the independent grocer, not just trying to sell a policy. At Byars|Wright, We Protect Relationships. Every promise we make - and we mean every single one - is made on the belief that understanding is essential, trust is earned, and execution is everything. But above all else, Relationships Matter. Contact Paul Burnett: pburnett@byarswright.com Byars|Wright has developed into a major provider of commercial insurance that delivers a wide range of insurance products with quality coverage at competitive prices. As an independent insurance agency, we represent numerous companies, all with a history of excellent service. Through these companies, we will find the best pricing and coverage available for our customers. We hope you’ll reach out to us today online, or give us a call at (205) 694-0088. [google_genres] => Blog [photo_path] => a0534269ab797a3.jpg [thumb_path] => a0534269ab797a3.jpg [account] => [total] => 10 [image] => //www.byarswright.com/tyfoon/site/pages/images/a0534269ab797a3.jpg [thumb] => //www.byarswright.com/tyfoon/site/pages/thumbs/a0534269ab797a3.jpg ) [98820] => Array ( [pageid] => 98820 [addl_slot1] => [addl_slot2] => [addl_slot3] => [p_1700] => 0 [p_1701] => 11 [title] => How a Personal Umbrella Policy Can Protect You [keywords] => [alternate_title] => [published] => 2018-07-12 00:00:00 [expireson] => 0000-00-00 00:00:00 [url] => how-a-personal-umbrella-policy-can-protect-you.php [active] => 1 [restricted] => 0 [adult] => 0 [comments] => 0 [comments_cnt] => 0 [ratings] => 0 [ratings_avg] => 0 [ratings_cnt] => 0 [templateid] => [widgets] => 1 [accountid] => 0 [memberid] => 0 [productid] => 0 [authorid] => 654 [createdon] => 2018-09-10T14:46:33-04:00 [createdby] => admin [modifiedon] => 2018-11-15T08:27:51-05:00 [modifiedby] => admin [approvedon] => 2018-09-10T14:46:33-04:00 [approvedby] => admin [rejectedon] => [rejectedby] => [rejectedreason] => [msg] =>

By: John Byars, Vice-President

Most people are aware that they need some type of personal liability insurance that’s going to protect them in a situation where there’s negligence, and either bodily injury or property damage. What many others aren’t aware of is the need for a personal umbrella policy. This type of policy is basically another limit of liability that sits over all your other liability policies, like your home and auto insurance. Since it typically cost about 40 cents a day for about a million dollars’ worth of personal liability coverage, it’s probably the most cost-efficient insurance policy in the industry.

Of course, the more exposures you have, like a boat or vacation home, the more expensive the policy is going to be, but you may not realize is that your greatest exposure is going to be your teenager or college student. They’re much more of an exposure than, say, a swimming pool. The fact is, teenagers are going to be teenagers, and until they’re out from under your roof or done with college, they’re your responsibility. Not sure if you need this additional liability coverage? Just take a look at these three real-life claim examples where you’d be covered by a personal umbrella policy:

Example #1: Your teenager gets distracted while driving. Your biggest exposure for a catastrophic liability claim is an auto liability claim simply because we have so many distractions behind the wheel. Let’s take this scenario for example: Your teenager is driving down the road and gets a text message. They don’t see the red light and they T-bone a car with a family inside. As a result, a child is fatally wounded, and the mom is paralyzed for life. This case ends up settling for a million dollars.

Under your policies, you have a $250,000 auto liability limit, but then you also have a million-dollar umbrella policy. That means your auto liability insurance is going to pay the first $250,000, and your umbrella policy is going to pay the next $750,000. Without an umbrella policy, that last $750,000 wouldn’t be covered, leaving you to pay the debt out of pocket.  

Example #2: Your teenager is playing football in the backyard. In this claim example, let’s say your teenager is playing in the backyard with some other neighborhood kids – happens all the time. While they’re playing football one afternoon after school, one of the kids gets tackled out of bounds and ends up hitting his head on the concrete. This injury leaves him paralyzed for life, and his parents sue you. This results in a $1,000,000 settlement. Fortunately, your umbrella policy sits over this as well.

Example #3: Your teenager heads to college. When your teenager goes to college, you, as the parent, are now exposed to greater liability risks on several fronts. Because your child is still a dependent, you can be held responsible for their actions even while they’re away at school. Consider an example where your college student attends a party and alcohol is served. They ride with a friend who consumes too much alcohol, but the friend assures your child they are fine to drive home. So, they get in the car and head home. Driving under the influence, the friend gets into a terrible car accident that kills another student. The family of the student sues, and the court rules that $4 Million ($2 Million from the friend’s family and $2 Million from your family) must be paid. Your personal umbrella policy would respond to this claim.

It is to be expected that a teenager may let loose in college, and you may want extra insurance for peace of mind. Your umbrella policy can provide this.

The key is this - any of the scenarios where a personal umbrella policy is going to come into play is going to be catastrophic. Emotionally, it’s going to take such a toll on you that the last thing you’ll want to deal with is the financial side - worrying if you’re going to have enough money after everything gets settled. If something were to happen, and you didn’t have sufficient limits, your personal assets, including your home, vehicles, retirement savings - everything could be at risk.

With a personal umbrella policy, you’re going to have true peace of mind knowing that if something were to happen, there’s coverage in place, and everything’s going to be taken care of financially. With many policies being less than 40 cents a day, most would agree that it’s more than worth it.

We protect relationships. Every promise we make - and we mean every single one - is made on the belief that understanding is essential, trust is earned, and execution is everything. Above all, relationships matter.

Email John Byars at jbyars@byarswright.com.

As an independent insurance agency, we represent numerous companies, all with a history of excellent service. Through these companies, we will find the best pricing and coverage available for our customers.  We hope you’ll reach out to us today online, or give us a call at (205) 694-0088.

Byars|Wright, Inc.. is a locally owned and operated independent insurance agency with offices in the greater Birmingham area that has developed into a major provider of commercial and personal insurance. Since 1946, the agency has made acquisitions to expand its scope of business and delivers a wide-range of insurance products with quality coverage at competitive prices. Byars|Wright has been designated a Best Practices Agency by the Independent Insurance Agents and Brokers of America and was also named “Best Companies to Work For in Alabama” by Business Alabama  in 2016, 2017, and 2018. Byars|Wright, Where Relationships Matter. www.byarswright.com.

[msg_short] => [ft_search] => By: John Byars, Vice-President Most people are aware that they need some type of personal liability insurance that’s going to protect them in a situation where there’s negligence, and either bodily injury or property damage. What many others aren’t aware of is the need for a personal umbrella policy. This type of policy is basically another limit of liability that sits over all your other liability policies, like your home and auto insurance. Since it typically cost about 40 cents a day for about a million dollars’ worth of personal liability coverage, it’s probably the most cost-efficient insurance policy in the industry. Of course, the more exposures you have, like a boat or vacation home, the more expensive the policy is going to be, but you may not realize is that your greatest exposure is going to be your teenager or college student. They’re much more of an exposure than, say, a swimming pool. The fact is, teenagers are going to be teenagers, and until they’re out from under your roof or done with college, they’re your responsibility. Not sure if you need this additional liability coverage? Just take a look at these three real-life claim examples where you’d be covered by a personal umbrella policy: Example #1: Your teenager gets distracted while driving. Your biggest exposure for a catastrophic liability claim is an auto liability claim simply because we have so many distractions behind the wheel. Let’s take this scenario for example: Your teenager is driving down the road and gets a text message. They don’t see the red light and they T-bone a car with a family inside. As a result, a child is fatally wounded, and the mom is paralyzed for life. This case ends up settling for a million dollars. Under your policies, you have a $250,000 auto liability limit, but then you also have a million-dollar umbrella policy. That means your auto liability insurance is going to pay the first $250,000, and your umbrella policy is going to pay the next $750,000. Without an umbrella policy, that last $750,000 wouldn’t be covered, leaving you to pay the debt out of pocket.   Example #2: Your teenager is playing football in the backyard. In this claim example, let’s say your teenager is playing in the backyard with some other neighborhood kids – happens all the time. While they’re playing football one afternoon after school, one of the kids gets tackled out of bounds and ends up hitting his head on the concrete. This injury leaves him paralyzed for life, and his parents sue you. This results in a $1,000,000 settlement. Fortunately, your umbrella policy sits over this as well. Example #3: Your teenager heads to college. When your teenager goes to college, you, as the parent, are now exposed to greater liability risks on several fronts. Because your child is still a dependent, you can be held responsible for their actions even while they’re away at school. Consider an example where your college student attends a party and alcohol is served. They ride with a friend who consumes too much alcohol, but the friend assures your child they are fine to drive home. So, they get in the car and head home. Driving under the influence, the friend gets into a terrible car accident that kills another student. The family of the student sues, and the court rules that $4 Million ($2 Million from the friend’s family and $2 Million from your family) must be paid. Your personal umbrella policy would respond to this claim. It is to be expected that a teenager may let loose in college, and you may want extra insurance for peace of mind. Your umbrella policy can provide this. The key is this - any of the scenarios where a personal umbrella policy is going to come into play is going to be catastrophic. Emotionally, it’s going to take such a toll on you that the last thing you’ll want to deal with is the financial side - worrying if you’re going to have enough money after everything gets settled. If something were to happen, and you didn’t have sufficient limits, your personal assets, including your home, vehicles, retirement savings - everything could be at risk. With a personal umbrella policy, you’re going to have true peace of mind knowing that if something were to happen, there’s coverage in place, and everything’s going to be taken care of financially. With many policies being less than 40 cents a day, most would agree that it’s more than worth it. We protect relationships. Every promise we make - and we mean every single one - is made on the belief that understanding is essential, trust is earned, and execution is everything. Above all, relationships matter. Email John Byars at jbyars@byarswright.com. As an independent insurance agency, we represent numerous companies, all with a history of excellent service. Through these companies, we will find the best pricing and coverage available for our customers.  We hope you’ll reach out to us today online, or give us a call at (205) 694-0088. Byars|Wright, Inc.. is a locally owned and operated independent insurance agency with offices in the greater Birmingham area that has developed into a major provider of commercial and personal insurance. Since 1946, the agency has made acquisitions to expand its scope of business and delivers a wide-range of insurance products with quality coverage at competitive prices. Byars|Wright has been designated a Best Practices Agency by the Independent Insurance Agents and Brokers of America and was also named “Best Companies to Work For in Alabama” by Business Alabama  in 2016, 2017, and 2018. Byars|Wright, Where Relationships Matter. www.byarswright.com. 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[keywords] => [alternate_title] => [published] => 2018-07-05 00:00:00 [expireson] => 0000-00-00 00:00:00 [url] => blogsmall-business-doesnt-need-cyber-liability-insurance.php [active] => 1 [restricted] => 0 [adult] => 0 [comments] => 0 [comments_cnt] => 0 [ratings] => 0 [ratings_avg] => 0 [ratings_cnt] => 0 [templateid] => carousel [widgets] => 1 [accountid] => 0 [memberid] => 0 [productid] => 0 [authorid] => 654 [createdon] => 2018-07-18T18:36:51-04:00 [createdby] => admin [modifiedon] => 2018-07-25T18:02:54-04:00 [modifiedby] => zeekee [approvedon] => 2018-07-18T18:36:51-04:00 [approvedby] => admin [rejectedon] => [rejectedby] => [rejectedreason] => [msg] =>

By: Matthew E. Gaston, Account Executive, CIC

Cybercrime is one of the most rapidly emerging, significant exposures to any business today. Both organized crime in the U.S., as well as foreign enemies, are hacking and stealing information from businesses in order to turn around and sell that information. According to the 2017 State of Cybersecurity in Small & Medium-Sized Businesses, 61% of small businesses experienced a cyber-attack or data breach in the last 12 months. Even at such a high threat level, less than 21% of small business have any type of data breach coverage.

This is exactly why every business undoubtedly needs some type of cyber liability coverage, or what we prefer to call “data breach coverage.” This coverage is designed to protect an entity in the event that there’s unauthorized access to their system, and personal identifiable information has either been accessed or stolen.

Think Your Business Doesn’t Need Cyber Liability Insurance? Think Again.

With more than 70% of cyber-attacks hitting small businesses, companies need to realize that it’s not just multimillion-dollar industries these hackers are going after. Small businesses are now a prime target since they’re less likely to have the infrastructure or security measures in place to prevent an attack. Whether this is due to a lack of budget needed to beef up cyber-security, or not believing anyone would want to hack them in the first place, the fact remains that even if the hacker obtains 30 personal information records, it’s a win for them.

Most business owners need to understand that they’re carrying customer information on some level, even if they’re using a third-party processing company for credit card payments. These processing companies write their contracts with a limited liability clause, meaning they’re a liability is limited to the contract amount. If you pay a third-party processing company $12,000/year, that’s all they’re liable for in a data breach situation. They’re not the ones on the hook - your business is.

On the other hand, maybe you’re not dealing with credit card numbers at all, but you do have 50 employees. You have their name, date of birth, driver’s license number, social security number, etc., and that information needs protecting as well.

What Are the Risks of Not Having Cyber Liability Coverage? Let’s take a look.

Unfortunately, small businesses don’t often have the means to recover from these types of breaches. They need to be able to lean on a policy. Without some type of coverage, these attacks have the ability to financially wipe their business due to the costs of cyber-crimes being so high and the damage being so significant.

Here are some startling statistics that you should be aware of. According to 2017 State of Cybersecurity in Small & Medium-Sized Businesses Report:

Along with direct costs from the attack, like paying a ransom to get your data back, there are numerous regulatory and government fines that can result from not adequately responding to the data breach. This is now also true in Alabama since the state’s passing of the Alabama Data Breach Notification Act of 2018. While this is part of the coverage in a cyber liability policy, under this new law, companies can be charged up to $5,000/ day for not responding to the breach in a timely manner.

Considering Buying Cyber Liability Coverage Now? Here’s how.

When it comes to purchasing cyber liability coverage, you really need a specialist, like our team members at Byars|Wright. As an agent, I have access to 30 different markets that specialize in data breach coverage. Today, this coverage is cheaper than it’ll ever be. Why do I say that? Because it’s been said that there’s not enough protection available in the world for the amount of exposure companies have.

Whether you have a huge, keep-you-up-at-night exposure that requires a million in coverage and high limits, or you don’t really think you have an exposure at all, we’ll work to structure your policy to meet your particular needs. Your relationships, of all sorts, matter. Byars|Wright can help you protect them. Don’t hesitate to reach out to me; we can review all your exposures and design a policy that just might be what keeps your business going after being hit with an attack.

At Byars|Wright, we protect relationships. Every promise we make - and we mean every single one - is made on the belief that understanding is essential, trust is earned, and execution is everything. But above all else, Relationships Matter.

Contact Matt Gaston: mgaston@byarswright.com

Byars|Wright has developed into a major provider of commercial insurance that delivers a wide-range of insurance products with quality coverage at competitive prices. As an independent insurance agency, we represent numerous companies, all with a history of excellent service. Through these companies, we will find the best pricing and coverage available for our customers.  We hope you’ll reach out to us today online, or give us a call at (205) 694-0088. At Byars|Wright, Relationships Matter.

[msg_short] => [ft_search] => By: Matthew E. Gaston, Account Executive, CIC Cybercrime is one of the most rapidly emerging, significant exposures to any business today. Both organized crime in the U.S., as well as foreign enemies, are hacking and stealing information from businesses in order to turn around and sell that information. According to the 2017 State of Cybersecurity in Small & Medium-Sized Businesses, 61% of small businesses experienced a cyber-attack or data breach in the last 12 months. Even at such a high threat level, less than 21% of small business have any type of data breach coverage. This is exactly why every business undoubtedly needs some type of cyber liability coverage, or what we prefer to call “data breach coverage.” This coverage is designed to protect an entity in the event that there’s unauthorized access to their system, and personal identifiable information has either been accessed or stolen. Think Your Business Doesn’t Need Cyber Liability Insurance? Think Again. With more than 70% of cyber-attacks hitting small businesses, companies need to realize that it’s not just multimillion-dollar industries these hackers are going after. Small businesses are now a prime target since they’re less likely to have the infrastructure or security measures in place to prevent an attack. Whether this is due to a lack of budget needed to beef up cyber-security, or not believing anyone would want to hack them in the first place, the fact remains that even if the hacker obtains 30 personal information records, it’s a win for them. Most business owners need to understand that they’re carrying customer information on some level, even if they’re using a third-party processing company for credit card payments. These processing companies write their contracts with a limited liability clause, meaning they’re a liability is limited to the contract amount. If you pay a third-party processing company $12,000/year, that’s all they’re liable for in a data breach situation. They’re not the ones on the hook - your business is. On the other hand, maybe you’re not dealing with credit card numbers at all, but you do have 50 employees. You have their name, date of birth, driver’s license number, social security number, etc., and that information needs protecting as well. What Are the Risks of Not Having Cyber Liability Coverage? Let’s take a look. Unfortunately, small businesses don’t often have the means to recover from these types of breaches. They need to be able to lean on a policy. Without some type of coverage, these attacks have the ability to financially wipe their business due to the costs of cyber-crimes being so high and the damage being so significant. Here are some startling statistics that you should be aware of. According to 2017 State of Cybersecurity in Small & Medium-Sized Businesses Report: 54% of small businesses had data breaches involving customer and employee information in the past 12 months. 52% experienced a ransomware attack, and 53% had more than two ransomware incidents in the past 12 months. The average cost due to damage or theft of IT assets and infrastructure was $1,027,053, in addition to $1,207,965 for disruption to normal business operations. Along with direct costs from the attack, like paying a ransom to get your data back, there are numerous regulatory and government fines that can result from not adequately responding to the data breach. This is now also true in Alabama since the state’s passing of the Alabama Data Breach Notification Act of 2018. While this is part of the coverage in a cyber liability policy, under this new law, companies can be charged up to $5,000/ day for not responding to the breach in a timely manner. Considering Buying Cyber Liability Coverage Now? Here’s how. When it comes to purchasing cyber liability coverage, you really need a specialist, like our team members at Byars|Wright. As an agent, I have access to 30 different markets that specialize in data breach coverage. Today, this coverage is cheaper than it’ll ever be. Why do I say that? Because it’s been said that there’s not enough protection available in the world for the amount of exposure companies have. Whether you have a huge, keep-you-up-at-night exposure that requires a million in coverage and high limits, or you don’t really think you have an exposure at all, we’ll work to structure your policy to meet your particular needs. Your relationships, of all sorts, matter. Byars|Wright can help you protect them. Don’t hesitate to reach out to me; we can review all your exposures and design a policy that just might be what keeps your business going after being hit with an attack. At Byars|Wright, we protect relationships. Every promise we make - and we mean every single one - is made on the belief that understanding is essential, trust is earned, and execution is everything. But above all else, Relationships Matter. Contact Matt Gaston: mgaston@byarswright.com Byars|Wright has developed into a major provider of commercial insurance that delivers a wide-range of insurance products with quality coverage at competitive prices. As an independent insurance agency, we represent numerous companies, all with a history of excellent service. Through these companies, we will find the best pricing and coverage available for our customers.  We hope you’ll reach out to us today online, or give us a call at (205) 694-0088. At Byars|Wright, Relationships Matter. 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By: W. Haig Wright II, President

At Byars|Wright, we live by our motto that “relationships matter”; it’s our driving force, and our business hinges on it. From our clients to our insurance companies, we believe that having relationships built on trust is imperative. This is especially true when seeking out potential merger or acquisition partners. While both parties must take the time to get to know each other inside and out, you must also look for the synergy to be where you complement each other’s strengths and weaknesses.

When we acquired Junkins-Yarbrough Corporation, or JYC Insurance, in July of 2017, we wanted this to be a win-win-win situation – a win for JYC Insurance, a win for their clients, and a win for Byars|Wright.

While we spent years discussing the acquisition before it finally became official, there was no denying the agencies’ similarities. Much like Byars|Wright, JYC Insurance was run by second generation owners, Beau and Jackie Yarbrough, and was located in a small town. Along with that, our agencies were built on very similar core values and principles.   

“It was just a really good fit. We felt like the agencies shared similar cultures, including the way we do business and how we treat our customers. On top of that, we represented a lot of the same companies and had the same computer system. Because of this, our customers didn’t miss a beat,” said Jackie Yarbrough. “Really, truth be known, it’s the best thing Beau and I have ever done.”

Looking back after a year, both parties whole-heartedly agree that this decision has been an absolute success for all involved.

As a company, Byars|Wright has boosted efficiency, accelerated growth, and increased market share, resulting in about a 20% revenue growth to our portfolio and the addition of more than 1,000 new customers. We also incorporated five experienced insurance professionals from their organization into our office. While customer service is a top priority for Byars|Wright, we believe that it all starts with properly staffing our agency, and this move has allowed us to better serve our customers with an even stronger team.

For JYC Insurance, the acquisition meant access to additional resources, more market availability, and greater market strength.  However it also meant more freedom and flexibility for its owners. Now a part of the Byars|Wright team, Beau and Jackie Yarbrough handle their book of business without the additional responsibility of managing employees, giving them the ability to do what they enjoy most – sales and traveling.

“Change has always been a monumental thing for me, and this just confirms the fact that change isn’t always a bad thing,” said Jackie Yarbrough. “After getting to know Haig and learning more about Byars|Wright, it was really amazing how it just fell together - divine intervention. We have absolutely no regrets, and we always say we should have done it sooner.” Her husband, Beau echoes these sentiments, proclaiming, “It was a very wise decision. Haig has lived up to his word, and hopefully we’ve lived up to ours. I believe it's been beneficial for both of us.”

But it wasn’t just a win for them, it was a win for their team as well since they had the ability to bring everyone along. While one JYC employee went to another agency post-merger, she just recently re-joined the team, meaning all employees of JYC are now back together in the Byars|Wright Gardendale office.

“I could not ask for a better work environment than what we have at Byars Wright,” said Donna Leemon, a former JYC Commercial Lines Account Manager who is also celebrating the one year anniversary at Byars|Wright. “Everyone is very professional, friendly, and always willing to help in anyway they can. The first 6 months were a transition period but now that a year has passed I truly feel that Byars Wright is my work home and family.”

At Byars|Wright, we believe this acquisition is a testament to the positive outcomes that can result from a good batch.

Now that a year has passed, I truly believe this is proof that are many ways an acquisition can benefit the agency being acquired, as this decision has undoubtedly resulted in cohesive growth for both parties. Not only has it strengthened Byars|Wright as a whole, but its allowed us all to better serve our customers, which is ultimately our main goal.

We protect relationships. Every promise we make - and we mean every single one - is made on the belief that understanding is essential, trust is earned, and execution is everything. But above all else, Relationships Matter.

Email Haig Wright, II at hwright@byarswright.com.

As an independent insurance agency, we represent numerous companies, all with a history of excellent service. Through these companies, we will find the best pricing and coverage available for our customers.  We hope you’ll reach out to us today online, or give us a call at (205) 694-0088.

Byars|Wright, Inc.. is a locally owned and operated independent insurance agency with offices in the greater Birmingham area that has developed into a major provider of commercial and personal insurance. Since 1946, the agency has made acquisitions to expand its scope of business and delivers a wide-range of insurance products with quality coverage at competitive prices. Byars|Wright has been designated a Best Practices Agency by the Independent Insurance Agents and Brokers of America and was also named “Best Companies to Work For in Alabama” by Business Alabama  in 2016, 2017, and 2018. Byars|Wright, Where Relationships Matter. www.byarswright.com.

[msg_short] => [ft_search] => By: W. Haig Wright II, President At Byars|Wright, we live by our motto that “relationships matter”; it’s our driving force, and our business hinges on it. From our clients to our insurance companies, we believe that having relationships built on trust is imperative. This is especially true when seeking out potential merger or acquisition partners. While both parties must take the time to get to know each other inside and out, you must also look for the synergy to be where you complement each other’s strengths and weaknesses. When we acquired Junkins-Yarbrough Corporation, or JYC Insurance, in July of 2017, we wanted this to be a win-win-win situation – a win for JYC Insurance, a win for their clients, and a win for Byars|Wright. While we spent years discussing the acquisition before it finally became official, there was no denying the agencies’ similarities. Much like Byars|Wright, JYC Insurance was run by second generation owners, Beau and Jackie Yarbrough, and was located in a small town. Along with that, our agencies were built on very similar core values and principles.    “It was just a really good fit. We felt like the agencies shared similar cultures, including the way we do business and how we treat our customers. On top of that, we represented a lot of the same companies and had the same computer system. Because of this, our customers didn’t miss a beat,” said Jackie Yarbrough. “Really, truth be known, it’s the best thing Beau and I have ever done.” Looking back after a year, both parties whole-heartedly agree that this decision has been an absolute success for all involved. As a company, Byars|Wright has boosted efficiency, accelerated growth, and increased market share, resulting in about a 20% revenue growth to our portfolio and the addition of more than 1,000 new customers. We also incorporated five experienced insurance professionals from their organization into our office. While customer service is a top priority for Byars|Wright, we believe that it all starts with properly staffing our agency, and this move has allowed us to better serve our customers with an even stronger team. For JYC Insurance, the acquisition meant access to additional resources, more market availability, and greater market strength.  However it also meant more freedom and flexibility for its owners. Now a part of the Byars|Wright team, Beau and Jackie Yarbrough handle their book of business without the additional responsibility of managing employees, giving them the ability to do what they enjoy most – sales and traveling. “Change has always been a monumental thing for me, and this just confirms the fact that change isn’t always a bad thing,” said Jackie Yarbrough. “After getting to know Haig and learning more about Byars|Wright, it was really amazing how it just fell together - divine intervention. We have absolutely no regrets, and we always say we should have done it sooner.” Her husband, Beau echoes these sentiments, proclaiming, “It was a very wise decision. Haig has lived up to his word, and hopefully we’ve lived up to ours. I believe it's been beneficial for both of us.” But it wasn’t just a win for them, it was a win for their team as well since they had the ability to bring everyone along. While one JYC employee went to another agency post-merger, she just recently re-joined the team, meaning all employees of JYC are now back together in the Byars|Wright Gardendale office. “I could not ask for a better work environment than what we have at Byars Wright,” said Donna Leemon, a former JYC Commercial Lines Account Manager who is also celebrating the one year anniversary at Byars|Wright. “Everyone is very professional, friendly, and always willing to help in anyway they can. The first 6 months were a transition period but now that a year has passed I truly feel that Byars Wright is my work home and family.” At Byars|Wright, we believe this acquisition is a testament to the positive outcomes that can result from a good batch. Now that a year has passed, I truly believe this is proof that are many ways an acquisition can benefit the agency being acquired, as this decision has undoubtedly resulted in cohesive growth for both parties. Not only has it strengthened Byars|Wright as a whole, but its allowed us all to better serve our customers, which is ultimately our main goal. We protect relationships. Every promise we make - and we mean every single one - is made on the belief that understanding is essential, trust is earned, and execution is everything. But above all else, Relationships Matter. Email Haig Wright, II at hwright@byarswright.com. As an independent insurance agency, we represent numerous companies, all with a history of excellent service. Through these companies, we will find the best pricing and coverage available for our customers.  We hope you’ll reach out to us today online, or give us a call at (205) 694-0088. Byars|Wright, Inc.. is a locally owned and operated independent insurance agency with offices in the greater Birmingham area that has developed into a major provider of commercial and personal insurance. Since 1946, the agency has made acquisitions to expand its scope of business and delivers a wide-range of insurance products with quality coverage at competitive prices. Byars|Wright has been designated a Best Practices Agency by the Independent Insurance Agents and Brokers of America and was also named “Best Companies to Work For in Alabama” by Business Alabama  in 2016, 2017, and 2018. Byars|Wright, Where Relationships Matter. www.byarswright.com. 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 AUGUST 2016 - JASPER - Byars|Wright Insurance was recently named as one of the Best Companies to Work for in Alabama. This seventh annual program was created by Business Alabama and Best Companies Group.

This program was designed to identify, recognize and honor the best employers in Alabama, benefiting the county's economy, workforce and businesses. The list is made up of 16 companies in both large and small to medium size catagories. Byars|Wright has been named one of this year’s Best Companies to Work for in Alabama in the small to medium size companies category.

Companies from across the state entered the two-part survey process to determine the Best Companies to Work for in Alabama. The first part consisted of evaluating each nominated company's workplace policies, practices, philosophy, systems and demographics. This part of the process was worth approximately 25% of the total evaluation. The second part consisted of an employee survey to measure the employee experience. This part of the process was worth approximately 75% of the total evaluation. The combined scores determined the top companies and the final rankings. Best Companies Group managed the overall registration and survey process in Alabama, analyzed the data and determined the final rankings.

The actual rankings were published in a special August 2016 issue of Business Alabama.

-END-

Media Contact: Renae Wilson, Marketing Director 

(205) 221-8664 .  rwilson@byarswright.com

PO Box 1309, Jasper, AL 35501 . www.byarswright.com

 

 

[msg_short] => [ft_search] =>  AUGUST 2016 - JASPER - Byars|Wright Insurance was recently named as one of the Best Companies to Work for in Alabama. This seventh annual program was created by Business Alabama and Best Companies Group. This program was designed to identify, recognize and honor the best employers in Alabama, benefiting the county's economy, workforce and businesses. The list is made up of 16 companies in both large and small to medium size catagories. Byars|Wright has been named one of this year’s Best Companies to Work for in Alabama in the small to medium size companies category. Companies from across the state entered the two-part survey process to determine the Best Companies to Work for in Alabama. The first part consisted of evaluating each nominated company's workplace policies, practices, philosophy, systems and demographics. This part of the process was worth approximately 25% of the total evaluation. The second part consisted of an employee survey to measure the employee experience. This part of the process was worth approximately 75% of the total evaluation. The combined scores determined the top companies and the final rankings. Best Companies Group managed the overall registration and survey process in Alabama, analyzed the data and determined the final rankings. The actual rankings were published in a special August 2016 issue of Business Alabama. -END- Media Contact: Renae Wilson, Marketing Director  (205) 221-8664 .  rwilson@byarswright.com PO Box 1309, Jasper, AL 35501 . www.byarswright.com     [google_genres] => Blog [photo_path] => c365588391371b7.jpg [thumb_path] => efdeb0c62bfb69c.jpg [account] => [total] => 10 [image] => //www.byarswright.com/tyfoon/site/pages/images/c365588391371b7.jpg [thumb] => //www.byarswright.com/tyfoon/site/pages/thumbs/efdeb0c62bfb69c.jpg ) [98808] => Array ( [pageid] => 98808 [addl_slot1] => [addl_slot2] => [addl_slot3] => [p_1700] => 0 [p_1701] => 2 [title] => Byars|Wright Insurance receives statewide recognition [keywords] => [alternate_title] => [published] => 2016-05-31 00:00:00 [expireson] => 0000-00-00 00:00:00 [url] => byarswright-insurance-receives-statewide-recognition.php [active] => 1 [restricted] => 0 [adult] => 0 [comments] => 0 [comments_cnt] => 0 [ratings] => 0 [ratings_avg] => 0 [ratings_cnt] => 0 [templateid] => carousel [widgets] => 1 [accountid] => 0 [memberid] => 0 [productid] => 0 [authorid] => 17 [createdon] => 2018-06-07T16:31:26-04:00 [createdby] => zeekee [modifiedon] => 2018-10-10T15:45:41-04:00 [modifiedby] => zeekee [approvedon] => 2018-06-07T16:31:26-04:00 [approvedby] => zeekee [rejectedon] => [rejectedby] => [rejectedreason] => [msg] =>

Andy Byars (center), Vice President of Byars|Wright accepts this recognition from Sandra McCullough, Auto-Owners Regional Vice President and Jeff Harrold, Chairman and CEO of Auto-Owners.

JUNE 2016 - JASPER - Auto-Owners Insurance is pleased to announce Byars|Wright Insurance of Jasper, AL has been named one of the TOP 10 growth agencies for Auto-Owners in the State of Alabama for 2015. The agency was recognized at a luncheon meeting in Montgomery, and at a reception with all regional associates, where they and other recipients were presented with a plaque commemorating their accomplishment. Byars|Wright Insurance has represented Auto-Owners since 1956.

Jeff Harrold, Chairman and CEO of Auto-Owners, thanked the agency for its support and its business, stating, “Their growth and support only help to make the entire community stronger and more secure. We are grateful they choose to do business with us.”

“We are proud to have represented Auto-Owners Insurance Company since 1956,” said Haig Wright, President of Byars|Wright. “Auto-Owners is one of the strongest companies in our industry, providing the best in personal service. Auto-Owners are truly the No Problem People when it comes to claims and their overall service.”

Byars|Wright Insurance is a family-owned, independent insurance agency that has developed into a major provider of commercial and personal insurance products. Since 1946, the company has made several acquisitions that expanded its scope of business into the mining industry, church and non-profit industry, healthcare, grocery, restaurants, construction, manufacturing and financial institution markets. Byars|Wright has offices in Jasper and Gardendale. 

Celebrating 100 years in business, Auto-Owners Insurance was founded in 1916 and has served Alabama since 1956. Auto-Owners Insurance is a Fortune 500 company and is the 17th largest property/casualty insurance company in the nation, based on written premium. Auto-Owners Insurance is one of 12 insurance companies in the United States to receive the highest rating possible, A++ Superior, by A.M. Best, which is a nationally recognized rating agency for insurance companies. 

Auto-Owners is represented by more than 41,000 licensed agents in its 26 operating states. The company, which provides auto, home, business and life insurance to more than 4 million policyholders, is headquartered in Lansing, Michigan.

-END-

Media Contact: Renae Wilson, Marketing Director 

(205) 221-8664 .  rwilson@byarswright.com

PO Box 1309, Jasper, AL 35501 . www.byarswright.com

[msg_short] => [ft_search] => Andy Byars (center), Vice President of Byars|Wright accepts this recognition from Sandra McCullough, Auto-Owners Regional Vice President and Jeff Harrold, Chairman and CEO of Auto-Owners. JUNE 2016 - JASPER - Auto-Owners Insurance is pleased to announce Byars|Wright Insurance of Jasper, AL has been named one of the TOP 10 growth agencies for Auto-Owners in the State of Alabama for 2015. The agency was recognized at a luncheon meeting in Montgomery, and at a reception with all regional associates, where they and other recipients were presented with a plaque commemorating their accomplishment. Byars|Wright Insurance has represented Auto-Owners since 1956. Jeff Harrold, Chairman and CEO of Auto-Owners, thanked the agency for its support and its business, stating, “Their growth and support only help to make the entire community stronger and more secure. We are grateful they choose to do business with us.” “We are proud to have represented Auto-Owners Insurance Company since 1956,” said Haig Wright, President of Byars|Wright. “Auto-Owners is one of the strongest companies in our industry, providing the best in personal service. Auto-Owners are truly the No Problem People when it comes to claims and their overall service.” Byars|Wright Insurance is a family-owned, independent insurance agency that has developed into a major provider of commercial and personal insurance products. Since 1946, the company has made several acquisitions that expanded its scope of business into the mining industry, church and non-profit industry, healthcare, grocery, restaurants, construction, manufacturing and financial institution markets. Byars|Wright has offices in Jasper and Gardendale.  Celebrating 100 years in business, Auto-Owners Insurance was founded in 1916 and has served Alabama since 1956. Auto-Owners Insurance is a Fortune 500 company and is the 17th largest property/casualty insurance company in the nation, based on written premium. Auto-Owners Insurance is one of 12 insurance companies in the United States to receive the highest rating possible, A++ Superior, by A.M. Best, which is a nationally recognized rating agency for insurance companies.  Auto-Owners is represented by more than 41,000 licensed agents in its 26 operating states. The company, which provides auto, home, business and life insurance to more than 4 million policyholders, is headquartered in Lansing, Michigan. -END- Media Contact: Renae Wilson, Marketing Director  (205) 221-8664 .  rwilson@byarswright.com PO Box 1309, Jasper, AL 35501 . www.byarswright.com [google_genres] => [photo_path] => 438f63ceb951d97.jpg [thumb_path] => 21b52ad7f22007b.jpg [account] => [total] => 10 [image] => //www.byarswright.com/tyfoon/site/pages/images/438f63ceb951d97.jpg [thumb] => //www.byarswright.com/tyfoon/site/pages/thumbs/21b52ad7f22007b.jpg ) ) )