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Growing with technology in a relationship-driven agency

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By Mitchell Garnett, Director of Operations

Byars|Wright is an agency that lives by our motto “Relationships Matter”; it drives everything we do. Developing, building, and nurturing relationships is the heart of our business and always will be.

While some may associate the use of technology with the loss of personal relationships, we’ve proven how it can truly become a... Read More

Coal mining insurance: Why it’s never just another day on the job

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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.... Read More

2 Critical components of business continuation insurance

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By Byars|Wright

Let’s face it, it’s hard enough being a business owner as it is, and if another owner or other vital person to your business was to get sick, become disabled, or pass away unexpectedly, you would need to have a plan in place that allows your business to continue to operate.

As an owner, you want your business to continue on no matter what happens. You’ve put your... Read More

What you should know when searching for an insurance agency for your business, small or large

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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 the reality is, the insurance needs of every business are basically the same. Every business needs building and personal property... Read More

Perpetuation planning: Why it may be time to take advantage of merger & acquisition opportunities in the Birmingham insurance industry

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By: Haig Wright II, CEO & President

As the owner of an independent insurance agency, I recognize that the thought of selling or merging with another company is hard to bear. Building a successful insurance agency isn't an easy process. It involves a lot of hard work, to say the least, and usually a little blood, sweat, and tears. While many insurance agency owners know that they need a solid... Read More

Here’s why you should consider an internship in the insurance industry

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By: Amee Donald, Agency Relations Manager

Looking for a summer internship is no easy task. You know that you need to find one because it’s no longer enough to have a college degree. In today’s world, you need experience right off the bat in order to get the job and the salary that you deserve.

So, how do you go about finding a quality internship program? How do you know which ones are... Read More

Don’t Leave Your Personal Assets at Stake - Why Non-Profit D&O Insurance is Critical

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By John Byars, Vice-President

Is it true that no good deed goes unpunished? If you ask the 36% of all nonprofit organizations that have reported a directors and officers (D&O) claim in the last ten years, they might tell you yes.

D&O claims are becoming increasingly common for nonprofits, and it’s scary to think that as a nonprofit director, officer, or board member, all of your assets could be at stake. Since you can be held personally liable for your decisions and responsibilities,... Read More

How to Decide Between Whole and Term Life Insurance

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By Trae Norrell, Account Executive

As we get older, we begin to realize the importance of having a good life insurance policy in place. Whether you’re just starting your family or nearing retirement, the need to protect your loved ones in your absence is an unfortunate reality we all must face.

If you’re looking into different life insurance policies, this a great starting point... Read More

Do you need extra liability coverage to serve alcohol at a company event? Here’s what you need to know about liquor liability and minimizing your risks.

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By Evan Chambers, Account Executive

What Alabama Businesses Need to Know About Liquor Liability 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 take into consideration.

Below, we’ll help you determine whether or not your business should invest in additional coverage when serving or... Read More

Don’t Get Burned: 3 Crucial Steps to Take Before Building Your Outdoor Fire Pit

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In recent years fire pits have become increasingly popular. Of course we enjoy the company of our guests partnered with a beautiful outdoor fire pit, but during the wintertime, there’s just something warm about sitting by the fire talking with friends and family.

While many homeowners get caught up in designing their new fire pit, they don’t always give a second thought as to how it might affect their homeowners insurance, but it’s essential to take the appropriate precautions before and... Read More

Here’s What You Need to Know About Insuring Your Retail Business

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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 comes to having the proper insurance coverage in place.

If you’re looking to make sure you’re properly covering your retail business, here are a few things you should know when it comes to... Read More

3 Common Areas Small Businesses Are Often Left Exposed – And What You Can Do to Get Them Covered Today

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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 small businesses, it’s definitely not the case for others. Even with some policies being required under state law, the required limits aren’t always where they need to... Read More

Auto Liability Limits: The Argument for Higher Limits and/or An Umbrella Policy

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By: Andy Byars, Vice President

People often ask me if their auto liability limits are where they need to be, and I typically tell them that as their assets go up, so should their limits. Along with higher limits, I also highly recommend getting an umbrella policy, which is basically going to give them that extra coverage in case their primary limits are exhausted.

I always say an umbrella policy is... Read More

Relationships Are Everything: Why My Clients Know I’ll Always Be There for Them

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By: Paul Burnett, Account Executive

At Byars|Wright, we value relationships. They mean everything to us. As an independent insurance agent I know that in order to build thriving relationships with my clients, we must first establish a strong sense of trust. Through this trust, my clients have no doubt that I have their best interest in mind and will never be satisfied when it comes to protecting their business.  They know they can put... Read More

What Employers Need to Know about Employment Practices Liability Insurance (EPLI)

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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 that business owners protect themselves by not only putting proper policies in place, but also through adequate insurance coverage.... Read More

Commercial Property Insurance: 3 Ways to Value Your Property

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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 your commercial property, it’s not a one-size-fits-all kind of thing. It takes not only understanding how the... Read More

The Straightforward Answers to Your Most Common Homeowners Insurance Questions

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By: Andy Byars, Vice President

Whether before or after purchasing homeowners insurance, most everyone has a question or two about their policy. That’s why I find it extremely important to ensure all of my clients are thoroughly educated on exactly what their policy covers, and why certain limits are where they are. This way, I can rest assured they feel comfortable with the limits and confident in the protection their policy... Read More

Everything You Need to Know About a Personal Articles Policy and Protecting Your Valuable Items this Holiday Season

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By: Christian Underwood, Account Executive

‘Tis the season for giving! The holidays are a perfect opportunity to give your loved ones something special. You might even have a new ring, a new watch, or maybe a Daisy Red Ryder BB gun on your own wishlist. What happens if you lose that nice gift before it ever makes it under the tree? Is it covered?

During this season, it is important to make... Read More

How Making These Top 3 Dangerous Insurance Mistakes Could Devastate Your Business

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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, but to protect businesses from their exposures, it can often be a challenge getting a business to acknowledge a real need for a certain type of coverage or additional liability... 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