Todd Byram

Risk Advisor | Commercial Risk Management

Phone: 463-999-0012


Todd Byram

Todd is a risk advisor with the construction & surety team at Gibson, and is responsible for providing risk management and insurance services to business clients. Utilizing Gibson's proactive Sightline process, he and his team provide counsel on complex business and people issues that extend far beyond the scope of an insurance policy.

Prior to joining Gibson, Todd spent 10 years at Travelers Insurance in their construction claim division where he worked with contractors in all 50 states. He was focused on hiring and strategizing with attorneys, consultants, and experts to defend contractors in lawsuits. Todd has extensive experience dealing with complex claims and litigation, interpreting insurance coverages, and managing exposures that contractors face every day.


  • Commercial Lines Coverage Specialist (CLCS)

Community involvement

  • Habitat for Humanity

Specialty areas

  • Construction
  • Real Estate
  • Claims


  • Indiana State University | Bachelor of Science in Insurance and Risk Management