Founder President of The Human Equation Founded in 1997 to bring comprehensive training and risk management frameworks to mid-sized organizations, strengthening resilience, business continuity, and operational and strategic excellence.

Over 30 Years of Insurance & Risk Management Leadership Founded and led Setnor Byer Insurance & Risk, establishing the firm as a highly regarded insurance and risk management organization in South Florida. Her industry leadership has extended to numerous insurer advisory boards and Florida insurance organizations.

Accomplished Author & Thought Leader Author of 1,000+ courses and briefs, as well as publications and training programs spanning risk management, insurance, human resources, and workplace issues.

Recognized Risk Management Educator & Speaker Frequently called upon to share expertise on subjects including cyber risk, healthcare, coastal property risk, workers’ compensation, intellectual property risk, and human resources.

Award-Winning Business & Community Leader Recognized for her professional leadership and civic impact, with prominent roles across South Florida’s business and philanthropic organizations and numerous industry and community honors.

Committed Philanthropic & Civic Leader Has devoted significant time and expertise to nonprofit and civic organizations, including pro-bono risk management consulting and leadership with organizations that support early education, children from underserved communities, culture and arts, and the broader South Florida community.