By: Lawson Schaffer, Producer The road is a risky place to be. In today’s litigious commercial auto insurance environment, adequate insurance protection is becoming more important than ever before. As a business owner, it’s essential to understand your exposures and liabilities in order to determine the...
By: Trae Norrell, Producer I am often asked about cyber liability coverage and how to protect a business from cyber-attacks and data breaches. I always offer two solutions. The first is simple: do not use the internet for business activities. This is considered risk avoidance. Unfortunately,...
By Lawson Shaffer, Producer Workers’ compensation insurance coverage protects both businesses and their employees from financial loss when an employee is injured on the job or gets sick from a work-related cause. While workers’ compensation coverage is required for some businesses, we recommend that all businesses...
By: Evan Chambers, Producer and Branch Manager, & Gabe Clement, Producer and Branch Manager As you may already know, our agency motto is, “Where Relationships Matter,” but it doesn’t just refer to relationships with our clients. We value and prioritize the relationships with insurance companies, as...
By: Ben Davis, Producer Workers’ compensation is insurance coverage paid by the company to provide benefits to its employees who are injured or become sick on the job. It’s a win-win for the employer and employee. Workers receive medical care they need, and employers receive assurance...
By: Mitchell Garnett, Director of Operations Technology is becoming more and more prominent every year. It impacts how we communicate and how efficiently we work. It also evolves year to year, dating some practices and improving others. Similarly, InsureTech has entered almost every aspect of the...
Businesses want to know: In the wake of COVID-19, how will insurance coverages respond? Byars|Wright has been consulting with our insurance companies and clients on this matter since COVID-19 appeared across the globe. Its effects rippled through our state even before the virus physically reached our...
By: Paul Burnett, Producer The role of insurance is to prevent devastating scenarios, when possible, and mitigate the effects when disasters do happen. We have all heard horror stories of uncontrollable fires and inclement weather wreaking havoc on businesses. In fact, the Federal Emergency Management Agency...
By: Alan McCoin, Director of Claim Management While many insurance claims can be prevented through proper risk management and the right layers of liability coverage, they still happen. This is why our team at Byars|Wright set up a claims advocacy group geared toward serving clients in...
By: J.R. Appling, Producer and Risk Consultant for Byars | Wright Telecom and datacom business owners face increased exposure to risk due to the constant change within this competitive industry. Consequently, it’s vital that telecommunication, data, VoIP, and fiber optic contractors along with paging and security...
By: Paul Burnett, Producer Sharing retail space is not a new concept. Grocery stores often lease space to pharmacies, banks, and restaurants. This practice can not only reduce real estate costs for the grocer but can also attract new customers. While the concept can be financially beneficial,...
May 22nd, 2019 By Haig Wright III, Producer Ever since Byars|Wright was founded in Jasper, AL in 1946, we’ve insured contractors in both the surface and underground coal mining industry. With Walker County being “coal country,” it’s no surprise that protecting this industry is in our blood....
April 29th, 2019 By: Beau Yarbrough, Producer Whether you're a small business owner running a one-man show or the owner of a large company with hundreds of employees, you may believe the size of your business plays a major role in selecting the right insurance agency. But...
February 1, 2019 Post by Byars|Wright By Oliver Wright, Account Executive As a retail business, whether you own a bakery, clothing store, boutique or flower shop, you have a very unique set of exposures. From your products to your employees, there’s not always a one-size-fits-all policy when it...
February 1, 2019 Post by Byars|Wright By Evan Chambers, Account Executive Believe it or not, Alabama has the strictest alcohol laws in the country. If you’re currently deciding whether or not to serve alcohol to employees or during a company-hosted event, there are a few things you should...
December 20, 2018 Post by Byars|Wright By: Oliver Wright, Account Executive Many employers believe that once they have a business owner’s policy in place, they no longer to need to worry about any other type of coverage for their business. While this may be the case for some...
November 28, 2018 Post by Byars|Wright By: John Byars In today’s world with social media, political division and racial tension, employment practices liability insurance (EPLI) is more important than ever. With the division in our country, along with the rise of sexual and discriminatory harassment claims, it’s crucial...
November 20, 2018 Post by Byars|Wright By: Jackie Yarbrough, Account Executive Throughout the years, as I’ve worked with countless clients on their commercial property insurance needs, I’ve found there are many things that are often a bit confusing. Especially when it comes to determining the best way to value...
October 9, 2018 Post by Byars|Wright By: Haig Wright III, Account Executive I’ve worked with many companies throughout the years, and during this time, I’ve seen business owners make some decisions that could greatly put their business at risk. While it’s my job not to just sell insurance,...
August 17, 2018 Post by Byars|Wright 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...
