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Talking insurance in a new kind of way
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.

News of Importance


Listen to our latest podcast:

Setnor Byer Insurance & Risk introduces a comprehensive Insurance Glossary, now available online.

Setnor Byer Insurance & Risk introduces Florida clients to an Online Comparative Rating Personal Auto tool..

Try the new Florida Homeowners Insurance Quotes Form.

The Human Equation, Inc. introduces a new Condominium Management Suite of online courses. This is an online solution for common interest communities throughout Florida seeking to train their association of leaders conveniently and affordably.

Information Risk Podcasts are now available at the Living Resource Library.

Complimentary Living Resource Library


With over 200 hours of online training and podcasts for clients and friends of Setnor Byer Insurance & Risk.

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On The Mark Solutions

On The Mark Solutions

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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