Commercial Insurance Segments

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General contractors, specialized contractors, homebuilders, remodelers, and even carpenters, plumbers and electricians need to minimize exposure to risks with construction insurance customized to the hazards of the profession. The right combination of coverage can help limit the financial risks due to jobsite injuries, equipment damage or vehicle accidents that may occur during the course of a construction project.

For over 50 years, the professionals at Byars|Wright Insurance have work with general and sub-contractors, both large and small operations, to provide comprehensive, customized insurance plans to meet the varied needs of the construction industry.


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Banking is a diverse and complex industry. Insuring the banking industry requires specialists with both technical and practical knowledge. It requires a company that understands the financial industry and can offer well thought-out quotes as well as provide customized service.

As an independent insurance agency, Byars|Wright can help you find the appropriate coverages needed for financial institutions. Our local agents can access multiple insurance companies, compare many banking specific insurance policies and find the one that best fits your operation.

At Byars|Wright we have a 50-year commitment to the financial services industry and have insured many banks and other financial institutions both large and small. We understand your needs and provide personalized service to ensure that you are properly covered.


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Owning and operating a business in the food service industry is quite demanding. Restaurant and grocery store businesses require a large initial investment and constant supervision. However, they also provide a great deal of income potential for the budding entrepreneur. As a business owner, you have devoted a great deal of time and money to the business operations and want ensure viability with adequate insurance coverage.

At Byars|Wright, we have specialized in the food service industry for over 20 years and insure over 200 grocery stores, restaurants and food service related businesses. We understand your needs and provide personalized service to ensure that you are properly covered.

We service small hometown grocery stores as well as large supermarket chain stores with exceptional customer service and quick response claims service. Byars|Wright is a proud member of the Alabama Grocers Association and the Mississippi Retail and Grocers Association.

Let Byars|Wright help you with your business insurance needs. Simply download and complete the Pre-Application Information Form and return it to pburnett@byarswright.com.


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Manufacturing businesses face unique risks that other businesses may not. As a manufacturing company, you require insurance coverage that is specifically designed to protect your business from special liabilities and risks, such as loss of income. Manufacturers insurance covers you with a combination of the insurance protections that are most suitable for manufacturing companies.

Byars|Wright is an independent insurance agency that can help you find the appropriate coverages needed in the manufacturing industry. Our local agents can access multiple insurance companies, compare many manufacturing insurance policies and find the one that best fits your operation.

For over 50 years, Byars|Wright has insured manufacturers, both large and small. We understand your needs and provide personalized service to ensure that you are properly covered.


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The mining industry is faced with unique exposures, including above-ground open pit mines, underground mines, smelting and refining operations for metals used in a wide variety of alloys, chemicals and pigments used in many industries.

Today’s mining insurance challenges range from evaluating multi-million dollar machinery, to the liability presented by contractual agreements. Byars|Wright has kept pace with the industry by adapting its insurance products to meet the requirements of the ever-changing market around the globe.

We have specialized in the mining industry for over 50 years and have insured a majority of the mining companies in Alabama; large companies as well as specialized companies related to the mining industry. We understand your needs and provide personalized service to insure that you are properly covered.


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Municipalities have very different needs than those of traditional businesses, and it takes a specialized team of insurance professionals to consult and help provide the appropriate protection. We understand the unique risk exposure municipalities and counties face every day. Your goal is to protect the public and serve the members of the community. That responsibility can expose officials and administrators, as well as their facilities, to unexpected lawsuits and losses.

Whether it is high-excitement risk like music festivals or more everyday risks associated with parks, city planning and road management, we offer a comprehensive portfolio of products and services designed specifically for public entities.

For over 25 years, Byars|Wright has insured cities complexes and government buildings with great success. We provide a single source for all of your insurance and risk management solutions. This helps to eliminate any coverage gaps.


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A non-profit organization is one that does not payout its surplus earnings to investors or a board of directors, but instead reinvests them into the business in order to further its cause and achieve its goals. These can include fundraising groups like a school’s parent-teacher organization, small groups like a school or family reunion committee, or large organizations like charitable foundations.

Non-profit organizations typically have controlling members or boards. Staff may include both paid employees and unpaid volunteers. Sometimes, executives will work on the board for a nominal fee.

Many people assume that all non-profit organizations are charities and are exempt from paying taxes. However, the majority of not-for-profit businesses do not fall into this category. Charitable organizations do not have salaried employees. They make their money entirely through fundraising efforts and use their surpluses to help others rather than investing it into their business structure.

These type of organizations necessitate a unique set of insurance requirements. Byars|Wright is an independent insurance agency that can help you find the appropriate coverages needed in the non-profit world. Our local agents can access multiple insurance companies, compare insurance coverages and find the one that best fits the operation’s goals and objectives.


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Church insurance is a specialized package of insurance coverages specifically designed for houses of worship, their staff and congregation. Synagogue, chapel, temple and even cathedral insurance are included under the wide umbrella of a church insurance policy. Because of the specialized nature of church insurance, there are a limited number of companies available.

Church insurance companies offer liability and property insurance with several special coverage options that are unique to the needs of churches and other houses of worship.

Byars|Wright has focused on insuring religious institutions since 1946. We have successfully insured a number of churches and other religious organizations both large and small. We understand these specialized needs and provide personalized service to ensure that you are properly covered.


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Retail insurance is a customized form of business insurance that is specifically designed to provide retail storeowners the coverage needed to keep business operational even in the event of a catastrophe or lawsuit. Retail business insurance is a package of insurance options, customized to protect against the risks faced by the owner of a retail operation. These insurance plans can be fine-tuned to meet the needs and budget, no matter the size or scope of operation.

Nearly half of all retail businesses that temporarily close their doors after a natural disaster fail within five years. A solid business plan coupled with retail business insurance can prevent large financial losses and allow a retail store to remain profitable regardless of what unexpected events occur.

For over 60 years, Byars|Wright has insured businesses in the retail market and provided coverage to large retail chains as well as small local retail businesses. We understand these specialized needs and provide personalized service to insure that you are properly covered.

Let Byars|Wright help you with your business insurance needs. Simply download and complete the Pre-Application Information Form and return it to pburnett@byarswright.com.


Click Here to contact with one of Byars|Wright Insurance professionals about your specific insurance needs.

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Every day, professionals in a wide range of industries, including accounting and legal professionals, architects and designers and even health and wellness practitioners, face liability risks. Even so, professional service providers may not recognize the risk of a lawsuit until a client or patient suffers a loss or personal injury. The best way to prepare is by taking preventive action. Investing in professional insurance makes sense when you work with clients who pay you for your expertise, knowledge, advice and care.

Professional liability insurance is a reliable way to protect business assets. If sued, professional liability insurance coverage helps pay for defense costs as well as any settlements or judgments.

Byars|Wright has insured a wide range of professional services companies for over 35 years. We understand the unique needs of engineering firms, accounting firms, medical practices, and law offices and provide personalized service to ensure that you are properly covered.


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Business insurance for skilled nursing facilities and senior living properties require a very specific type of coverage tailored to meet to the unique needs of the facility operators. There are many different coverage options available, allowing you to build a package policy that meets the requirements of this unique industry.

Byars|Wright offers an extensive range of healthcare property solutions with exceptional customer service and quick response to claims. We understand these specialized needs and provide personalized service to ensure that you are properly covered.


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Owners of an auto repair shop, auto body shop, towing company, used car dealership, transmission repair shop, or truck dealership require specific insurance programs that address many unique risks. For over 50 years, Byars|Wright has specialized in the automotive industry, insuring many auto dealerships and automotive related companies both large and small. We understand these specialized needs and provide personalized service to ensure that you are properly covered.


Click Here to contact with one of Byars|Wright Insurance professionals about your specific insurance needs.

Click Here to read a full list of Customer Testimonials