Setnor Byer Insurance & Risk

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Address: 900 S Pine Island Rd Ste 300, Plantation, FL 33324-3920
Tel: 9543824350
Fax: 954-382-2810
HTTP://www.setnorbyer.com
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About Setnor Byer Insurance & Risk

    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.     

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Opening hours

Mon - Fri
8:00 AM - 4:30 PM
Sat - Sun
Closed

Products & services

Risk Management Solutions

10/30/2012

Clients of Setnor Byer Insurance & Risk benefit from solutions that identify, analyze, and resolve areas of risk. We have Read more


Personal Insurance

10/30/2012

Setnor Byer Insurance & Risk uses a personalized approach to provide comprehensive and reliable insurance protection at premiums you can Read more


Mid-Market Commercial Insurance

10/30/2012

Our Commercial Client receives expert reviews and analysis of insurance policy forms and can benefit from traditional "first-dollar," fully funded Read more



News & updates

What is a Grandfathered Group Health Plan? from Setnor Byer Insurance & Risk thumbnail

What is a Grandfathered Group Health Plan?

09/17/2014

‘Grandfathered’ is used to describe group health plans that are exempt from many of the ACA’s provisions. These exemptions were included in the ACA so groups that were happy with their health plans c… Read more


My Friend Crashed My Car from Setnor Byer Insurance & Risk thumbnail

My Friend Crashed My Car

09/12/2014

If your friend gets into an accident while driving your car, would your automobile insurance cover it? Read more


Understanding Business Insurance: What is BOP? from Setnor Byer Insurance & Risk thumbnail

Understanding Business Insurance: What is BOP?

09/04/2014

A BOP is a pre-packaged bundle of coverages that insurance companies offer to eligible small- and medium-sized businesses. Read more


EEOC Updates Pregnancy Discrimination Act Enforcement Guidance from Setnor Byer Insurance & Risk thumbnail

EEOC Updates Pregnancy Discrimination Act Enforcement Guidance

08/27/2014

In 1978, the Pregnancy Discrimination Act (PDA) was added to Title VII of the Civil Rights Act to prohibit employment discrimination based on pregnancy, childbirth and related medical conditions. Read more


Every Business Should be Worried about Cyber Liability from Setnor Byer Insurance & Risk thumbnail

Every Business Should be Worried about Cyber Liability

08/20/2014

Regardless of industry, cyber attacks and data breaches expose businesses to potentially enormous losses and liabilities. Read more


Counting Employees under the Affordable Care Act’s Pay-or-Play Provisions from Setnor Byer Insurance & Risk thumbnail

Counting Employees under the Affordable Care Act’s Pay-or-Play Provisions

08/13/2014

Employers subject to the Affordable Care Act’s Employer Shared Responsibility provisions may be assessed a penalty if they do not offer affordable health coverage that provides a minimum level of cov… Read more


SEC Commissioner Emphasizes the Importance of Cyber Insurance from Setnor Byer Insurance & Risk thumbnail

SEC Commissioner Emphasizes the Importance of Cyber Insurance

08/11/2014

Cyber risks are a growing concern among businesses of all kinds. Read more


Settling Insurance Claims: Good Faith or Bad Faith? from Setnor Byer Insurance & Risk thumbnail

Settling Insurance Claims: Good Faith or Bad Faith?

08/07/2014

Insurance companies have a general duty of good faith when settling the claims of their policyholder. Read more


A Contract's Fine Print: Find the Devil in the Details from Setnor Byer Insurance & Risk thumbnail

A Contract's Fine Print: Find the Devil in the Details

07/31/2014

Regardless of size or industry, contracts with customers, vendors, suppliers, service providers or independent contractors are an important part of a business’s operations. Read more


Is Your Self Storage Facility Prepared for the Next Disaster? from Setnor Byer Insurance & Risk thumbnail

Is Your Self Storage Facility Prepared for the Next Disaster?

07/23/2014

Preparation is the key to surviving a natural or human-caused disaster. Read more


A Narrow View of Cyber Risks Can Leave You Overexposed from Setnor Byer Insurance & Risk thumbnail

A Narrow View of Cyber Risks Can Leave You Overexposed

07/16/2014

Recent, high-profile incidents show that every business is at risk of suffering a data security breach, regardless of size, resources or sophistication. Read more


Shopping for Homeowners Insurance from Setnor Byer Insurance & Risk thumbnail

Shopping for Homeowners Insurance

07/02/2014

For most people, their biggest purchase is their home. Following the four must-dos for shopping for homeowners insurance can help you find the best value and the best protection for your home: Read more


Summary Plan Descriptions under ERISA from Setnor Byer Insurance & Risk thumbnail

Summary Plan Descriptions under ERISA

06/25/2014

The Employee Retirement Income Security Act (ERISA) is a federal law that sets minimum standards for most voluntarily established employee Read more


Loss of Business Income Caused by Civil Authority Action from Setnor Byer Insurance & Risk thumbnail

Loss of Business Income Caused by Civil Authority Action

06/18/2014

Public safety concerns may prompt civil authorities to take action to protect people and property. Read more


Florida’s New Data Breach Notice Law from Setnor Byer Insurance & Risk thumbnail

Florida’s New Data Breach Notice Law

06/11/2014

Florida has a new law to combat the recent surge of data security breaches involving sensitive personal information. On July Read more


Are You Ready for the 2014 Hurricane Season? from Setnor Byer Insurance & Risk thumbnail

Are You Ready for the 2014 Hurricane Season?

05/28/2014

For those living or working in the Atlantic hurricane region, June 1st rarely passes unnoticed. At Setnor Byer Insurance & Read more


Affordable Care Act Update from Setnor Byer Insurance & Risk thumbnail

Affordable Care Act Update

05/15/2014

Despite becoming law over four years ago, the Affordable Care Act continues to make headlines. Since it’s not easy Read more


Making the Most of National Electrical Safety Month from Setnor Byer Insurance & Risk thumbnail

Making the Most of National Electrical Safety Month

05/08/2014

rotecting your family, home and property is a full time job. Unfortunately, busy schedules often get in the way of Read more


Is a Resident Manager Ideal for Your Self Storage Facility? from Setnor Byer Insurance & Risk thumbnail

Is a Resident Manager Ideal for Your Self Storage Facility?

04/30/2014

Resident managers are not as common as they used to be in the self storage industry. For some self Read more


Why Did I Get a Reservation of Rights Letter? from Setnor Byer Insurance & Risk thumbnail

Why Did I Get a Reservation of Rights Letter?

04/17/2014

Upon receiving notice of a claim, an insurance company must determine whether it is covered by a policy. If a Read more


Developing a Cybersecurity Framework from Setnor Byer Insurance & Risk thumbnail

Developing a Cybersecurity Framework

04/09/2014

In February 2013, President Obama issued Executive Order 13636 on Improving Critical Infrastructure Cybersecurity. This Order calls for the development Read more


Insurance for Tech Companies from Setnor Byer Insurance & Risk thumbnail

Insurance for Tech Companies

04/09/2014

Since most businesses rely on technology, providing technology services has become big business. Technology companies provide goods, services and Read more


Offering Health Insurance to Same-Sex Spouses from Setnor Byer Insurance & Risk thumbnail

Offering Health Insurance to Same-Sex Spouses

04/09/2014

Under the Affordable Care Act, health insurance issuers in the individual and group markets are generally required to guarantee Read more


Why You Should Control Your Road Rage from Setnor Byer Insurance & Risk thumbnail

Why You Should Control Your Road Rage

03/26/2014

Though many have heard about road rage, few truly grasp the problem. Many people don’t know that: more than 1,000 Read more


Implementing a Drug-Free Workplace Program from Setnor Byer Insurance & Risk thumbnail

Implementing a Drug-Free Workplace Program

03/06/2014

Though many believe substance abuse is not a problem in their workplace, statistics suggest otherwise. According to the National Institute Read more


Preparing an Association’s Financial Reports from Setnor Byer Insurance & Risk thumbnail

Preparing an Association’s Financial Reports

02/27/2014

For many condominium and homeowners’ associations, the end of the calendar year is also the end of the fiscal Read more


Let’s Talk About Data Security Breaches from Setnor Byer Insurance & Risk thumbnail

Let’s Talk About Data Security Breaches

02/20/2014

The theft of credit and debit card information from Target’s computer systems should serve as a reminder that the risk Read more


Affordable Care Act’s Employer Mandate Delayed…Again from Setnor Byer Insurance & Risk thumbnail

Affordable Care Act’s Employer Mandate Delayed…Again

02/12/2014

On February 10, 2014, the U.S. Department of the Treasury and the Internal Revenue Service (IRS) issued final regulations implementing Read more


The Risk of Fire Facing Homeowners from Setnor Byer Insurance & Risk thumbnail

The Risk of Fire Facing Homeowners

02/06/2014

Though often overshadowed by hurricanes and earthquakes, fire remains one of the greatest risks facing homeowners. Consider the following: U.S. Read more


Vehicle Sales Can Be Risky Business for Self Storage Facilities from Setnor Byer Insurance & Risk thumbnail

Vehicle Sales Can Be Risky Business for Self Storage Facilities

01/22/2014

Dealing with delinquent tenants is an unavoidable part of operating a self storage facility. Strict legal requirements make enforcing storage Read more


Understanding the National Flood Insurance Program from Setnor Byer Insurance & Risk thumbnail

Understanding the National Flood Insurance Program

01/08/2014

Property damage caused by flooding is not covered by standard homeowners’ insurance policies, so those facing a flood risk need Read more


Data Security Breaches: Lessons from 2013 from Setnor Byer Insurance & Risk thumbnail

Data Security Breaches: Lessons from 2013

01/02/2014

They say that those who fail to learn from history are doomed to repeat it, and 2013 provided many lessons Read more


Affordable Care Act Implementation in 2014 from Setnor Byer Insurance & Risk thumbnail

Affordable Care Act Implementation in 2014

12/26/2013

As 2013 comes to an end, many are making plans and resolutions for the New Year. 2014 is also a Read more


Shopping for Insurance: Quality versus Cost from Setnor Byer Insurance & Risk thumbnail

Shopping for Insurance: Quality versus Cost

12/18/2013

People typically purchase insurance because they have to, not because they want to. For the most part, consumers are Read more


Getting Rid of Consumer Report Information with the Disposal Rule from Setnor Byer Insurance & Risk thumbnail

Getting Rid of Consumer Report Information with the Disposal Rule

11/21/2013

Businesses commonly use consumer reports when deciding whether to make a job offer or extend a line of credit. Read more


Final Rules Issued for Mental Health Parity and Addiction Equity Act from Setnor Byer Insurance & Risk thumbnail

Final Rules Issued for Mental Health Parity and Addiction Equity Act

11/21/2013

The Departments of Labor, Health and Human Services and the Treasury issued final rules implementing the Paul Wellstone and Read more


IRS Modifies “Use-or-Lose” Rule for Flexible Spending Accounts (FSAs) from Setnor Byer Insurance & Risk thumbnail

IRS Modifies “Use-or-Lose” Rule for Flexible Spending Accounts (FSAs)

11/21/2013

On October 31, 2013, the Internal Revenue Service (IRS) modified the longstanding cafeteria plan “use-or-lose” rule for health Flexible Read more


Data Security Breaches Can Happen to You

11/21/2013

When it comes to data security breaches, many organizations say, “That could never happen to us.” Unfortunately, the increasing Read more


Self Storage Facilities: Protecting the Bottom Line from Setnor Byer Insurance & Risk thumbnail

Self Storage Facilities: Protecting the Bottom Line

11/20/2013

Most businesses rely on their facilities to manufacture products or provide services. In the self storage industry, the facilities typically Read more


What is a Certificate of Insurance? from Setnor Byer Insurance & Risk thumbnail

What is a Certificate of Insurance?

11/20/2013

Certificates of Insurance are documents provided by Agents to verify the existence of insurance coverage. They are commonly used when Read more


Preventing Data Security Breaches from Setnor Byer Insurance & Risk thumbnail

Preventing Data Security Breaches

11/20/2013

Every business must be able to identify the likeliest source of a data security breach so that they can Read more


Understanding Auto Insurance from Setnor Byer Insurance & Risk thumbnail

Understanding Auto Insurance

11/20/2013

Whether purchasing a new policy or determining if a loss is covered under an existing policy, it helps to Read more


What is a Third Party Over Action? from Setnor Byer Insurance & Risk thumbnail

What is a Third Party Over Action?

11/20/2013

Assume an employee suffers an accidental workplace injury. After collecting benefits under his employer’s workers’ compensation insurance policy, the Read more


Condominium Association 2013 Legislative Update

11/20/2013

The 2013 legislative session saw relatively little activity involving Florida’s Condominium Act. Nevertheless, laws have changed, and that’s always Read more


Affordable Care Act’s Employer Mandate Delayed Until 2015

07/17/2013

Shortly before the July 4th holiday, the U.S. Department of the Treasury announced that enforcement of the Employer Shared Responsibility Read more


Protecting Sensitive Data: How Secure is Your Wireless Network?

07/17/2013

In previous articles we discussed how laptop computers and the office copy machine increase the risk of data security breaches. Read more


New Deadline for Affordable Care Act’s Employer Notice Requirement

07/17/2013

Under the Affordable Care Act (ACA), employers are required to give employees written notice about their options for purchasing health Read more


Are You Ready for the 2013 Hurricane Season?

06/07/2013

For those living or working in areas at risk of experiencing a tropical storm or hurricane, June 1st rarely Read more


Lowering Your Hurricane Insurance Premium

05/08/2013

Many homeowners believe that switching insurance companies is the only way to save on their windstorm (hurricane) insurance premiums. Unfortunately, Read more


Calculating Workers Compensation Insurance Premiums

04/24/2013

Workers’ Compensation (WC) provides medical, disability, rehabilitation or death benefits to employees who have suffered a job-related injury or Read more


Protecting Sensitive Data: Don’t Forget the Copy Machine

04/17/2013

Collecting personally identifying information from clients, such as names, social security numbers and credit card numbers, is common practice. Read more


Protecting Valuable Business Papers and Records

04/10/2013

Businesses often prepare an inventory of valuable property to simplify the process of filing an insurance claim in the Read more


Health Benefits and Value under the Affordable Care Act

03/20/2013

The Department of Health and Human Services (HHS) released final rules pursuant to the Affordable Care Act (Act) that Read more


Department of Health Issues Final HIPAA and HITECH Act Rules

02/27/2013

On January 25, 2013, the Department of Health and Human Services (HHS) published its omnibus Final Rule regarding the Read more


Department of Health Issues Final HIPAA and HITECH Act Rules

02/27/2013

On January 25, 2013, the Department of Health and Human Services (HHS) published its omnibus Final Rule regarding the Read more


Affordable Care Act Notice Requirement Delayed

02/13/2013

To help individuals understand their health insurance options under the Affordable Care Act (Act), employers are required to give Read more


Insurance Agent Experiences the Need for Insurance Firsthand

02/06/2013

One of the most common phrases you’ll hear from an insurance agent is don’t wait until it happens to Read more


Finding Safe Harbor from the Employer Mandate

01/23/2013

Under the Affordable Care Act’s Employer Shared Responsibility provisions, “large” employers with at least 50 full-time equivalent employees may Read more


IRS Softens Affordable Care Act’s Penalty Provision

01/17/2013

On January 2, 2013, the Internal Revenue Service published proposed regulations regarding one of the Affordable Care Act’s more Read more


What is “No-Fault” Auto Insurance?

01/03/2013

No-Fault Automobile Insurance is designed to reduce the overall cost of insurance by making quick payments to individuals injured Read more


Health Care Reform by the Numbers

12/27/2012

As Health Care Reform makes its way through the health insurance landscape, many employers are finding it difficult to Read more


Protecting Your Business from Cyber Liability Risks

12/20/2012

Almost every business relies on computers, networks and electronic data to support their business operations and serve their customers. Read more


New Health Insurance Notice Requirements for Employers

12/07/2012

Thanks to the Affordable Care Act, the Fair Labor Standards Act (FLSA) is moving beyond its traditional role as Read more


$5,000 Charitable Donation at No Cost to You

11/28/2012

At Setnor Byer Insurance & Risk, we have a long-standing tradition of Charitable Giving. This year, we’re launching a Read more


Health Care Reform: What are SHOPs?

11/14/2012

To help small businesses provide health insurance to their employees, the Affordable Care Act created Small Business Health Options Read more


The Aftermath of a Data Security Breach

11/08/2012

Data security breaches clearly pose a significant risk to organizations that collect or maintain customers’ personally identifying information in Read more


Help! I’m Being Taken Out of Citizens

10/30/2012

Citizens Property Insurance Corporation is a not-for-profit government corporation insuring Florida homes and businesses that are unable to purchase Read more



Best work

The 10 Must Have Traits of a Salesperson

11/08/2012

"What are the traits of an effective salesperson and how are they identified in a candidate?" These questions have Read more



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