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Setnor Byer Insurance & Risk, founded in 1981 and a member of the Independent Insurance Agents and Brokers of America, serves its national clientele through many of the nation's leading property, casualty, and benefits insurers, including The Hartford, CNA, The Travelers, Zurich, Philadelphia Insurance Companies, and many more. The insurance industry has consistently recognized Setnor Byer with “Quality of Business” honors and has counted the Agency among a unique set of firms that strive for excellence in service, underwriting, and risk management. Contact us
In 1997, Setnor Byer, intrigued by the potential of technology to transform and improve business operations, formed The Human Equation to provide clients with online risk management technology solutions designed to optimize the insurance offering. These solutions provide substantive benefits to clients of the firm and go well beyond all traditional insurance and risk management services. At the core of our offering is a Learning Resource Center, which serves as a client community portal that hosts an abundance of tools to support an enterprise's efforts to communicate, educate, and reinforce competencies within their organization.
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On The Mark Solutions
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Clients of Setnor Byer Insurance & Risk receive, complimentary, comprehensive tools and services to help an enterprise identify, analyze, and resolve areas of risk. Setnor Byer has branded this solution On The Mark (OTM).
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News of Importance
Browse our Comprehensive Insurance Glossary.
New Condominium Management Suite
The Human Equation’s Condominium Management Suite of courses is an online solution for common interest communities throughout Florida seeking to train their association leaders conveniently and affordably.
New Anti-Hazing Education
Setnor Byer is pleased to serve as the risk management partner in a new anti-hazing initiative. The Human Equation and Professor Hank Nuwer, the nation’s foremost expert on hazing, have developed two new online hazing courses. Contact Us
Online Training for the Food Services and Hospitality Industry
The Human Equation is developing a suite of online training courses for the Food Services and Hospitality Industry.
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Online Training

Visit our shopping cart to access over 100 hours of online human resources, safety, and risk management training with our e-learning partner, The Human Equation. The entire e-learning library is available complimentary for clients of the firm. Please call 888-253-8498 for your complimentary access code.
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