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
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
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 take into consideration.
What Alabama Businesses Need to Know About Liquor Liability
Below, we’ll help you determine whether or not your business should invest in additional coverage when serving or providing... Read More
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 after it’s... Read More
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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