--- title: About Pepper, Johnstone & Company | Alabama Insurance description: Pepper, Johnstone & Company was established in 1971 as a privately held insurance brokerage. Located in Alabama, our client-base extends to AR, FL, GA, KY, LA, MS, NY, VA and TN. --- # Insurance is a puzzle. We're good at puzzles. ( We’ve been at this for over 50 years. ) ## “Just browsing”? When you’re ready to see what we’ve got to offer, give us a call to talk options, or request an insurance quote online. [GET A QUOTE](/quotes) ## Already with us? We’re standing by, ready to help with whatever you need. Claims, payments, coverage changes, and anything else. [GET SERVICE](/claims-services) ## We’re a Trusted Insurance Agency Serving the Southeast United States Pepper, Johnstone & Company is **independently owned & operated** to handle your insurance needs, whether that means your auto insurance, home insurance, commercial insurance, farm insurance, life insurance, or just about anything else that needs protecting. We focus on affordable and reliable insurance choices all across Alabama, Georgia, Mississippi, North Carolina, South Carolina, Louisiana, Tennessee, Kentucky, Florida, Texas, Nevada, California, Colorado, Kansas, Ohio, and Washington, DC. We’ll help you find the right combination of tailored, personalized insurance coverage at just the right price to fit your needs. ## Backed by Dependable, A-Rated Insurance Partners We partner with [60+ insurance companies](/about/insurance-companies) to provide our clients with the best match for their needs, and to make sure we only recommend companies who will be there when you need them. - [Travelers](/claims-services/claims-payments#travelers) - [The Hartford](/claims-services/claims-payments#the-hartford) - [Chubb](/claims-services/claims-payments#chubb) - [Progressive](/claims-services/claims-payments#progressive) - [Liberty Mutual](/claims-services/claims-payments#liberty-mutual) - [Auto Owners](/claims-services/claims-payments#auto-owners) - [Safeco](/claims-services/claims-payments#safeco) - [Cincinnati Insurance](/claims-services/claims-payments#cincinnati-insurance) ## Driven by Our Value System Pepper, Johnstone & Company’s value system guides everything we do – from strategic planning to day-to-day decision making, to the manner in which we treat our clients and stakeholders. Represented by the acronym PRIDE, our value system is: ### Professionalism We will be recognized as having professional standards. Our employees will possess superior knowledge and skill for the benefit of our clients. ### Real Value to Our Clients We are here to consistently and diligently meet the needs of our clients. By providing the highest quality products, services, advice and sustainable value, we will ensure our clients receive excellent solutions to meet their individual needs. ### Integrity The highest levels of honesty and fairness characterize all of our dealings. We develop trust by maintaining the highest ethical practices possible. ### Demonstrated Commitment to Excellence Our clients depend on us to provide them with sound advice they can trust. We earn this confidence by sustaining an uncompromised commitment to continuous improvement in everything we do. This philosophy enables us to best serve our clients. ### Employees Our employees will determine our future success. In order to attract and retain the best and brightest employees, we will continue to invest in the development of our human capital and reward superior performance. [![Pepper, Johnstone & Company brochure](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/pjco-brochure.105df1b4db4b4fcd06caabb5c50c3af4c4b585e21fdcf1a1e893458ea2aac833.webp) _View Our Company Brochure_ ](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/files/upload/pepper-johnstone-insurance.dfc89dd6996d50e131cbfd878717981a9ad5c9f1a8a5e143801eb23b1e9302b0.pdf) ## Our Mission Our mission is to be the clear, best choice for providing insurance, risk management and investment solutions to our clients through teamwork, technology, innovation, industry knowledge and unsurpassable client service, while supporting our community and stakeholders. ## Our Firm Pepper, Johnstone & Company was established in 1971 as a privately held insurance brokerage. Our client-base extends to AL, GA, MS, NC, SC, LA, TN, KY, FL, TX, NV, CA, CO, KS, OH, and DC. Although much has changed in our industry over the past 50 years, our steadfast commitment to properly protecting and advising our clients remains the same. ## Clients Love Us We work hard for this reputation. [![Lauren Marsh](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/testimonials/lauren-marsh.8f1ef3286aaf69249e3de25282587a81dc15842de09824b6b0cbfb88b2501a20.webp)](/about/client-testimonials) What’s made us stick with them is the accountability. **— Lauren Marsh —** Ridgeline Construction [![Lynn Persell](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/testimonials/lynn-persell.9a4cd56880c3014002601585585987659e761ba9b4ce55d934e41cc15c2c97f5.webp)](/about/client-testimonials) They’ve taken care of me during the darkest days after the tornado. **— Lynn Persell —** Persell Lumber & Mill Shop [![Mike Walters](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/testimonials/mike-walters.b7e85f459e5433841cfc9e45b3561d5fa0b394111be2eb8400535769c689c271.webp)](/about/client-testimonials) They understand our business & risk profile through industry knowledge. **— Mike Walters —** MVW Nutritionals ![Commercial client](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/avatars/woman-1.9cb73af9c1e3961f57515ecda4c9f4e639df0eff922a19dccb73c30bfe4385f4.webp) PJ&C has become a crucial member of our business support team over the past several years. **— Commercial client —** Atlanta, GA ![J.W. E.](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/avatars/man-1.26763a560ec8c33e538d9a14d02e9af37b878ed2735807d5bbca818b43fecadb.webp) The entire team is not only knowledgeable but down to earth and willing to share their time, tips and ideas. **— J.W. E. —** Nashville, TN ![Matthew H.](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/avatars/man-2.f0d626a1e52b3f01c2be3c90db4d5d367c60b36ac6f55c3a5fecdb9bccc5bd8b.webp) Top notch insurance agency! The team at PJ&C provide excellent customer service while meeting all our needs. **— Matthew H. —** Dallas, TX ![Samantha B.](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/avatars/woman-2.8e76c5af7c1582529e66148a1be8aa0a919754e1706a80af3031e295450f4db1.webp) All the employees at PJ&C are very professional and knowledgeable. Exceptional customer service. **— Samantha B. —** Athens, AL [MORE REVIEWS](/about/client-testimonials) ## FEATURED INSURANCE ARTICLES We keep tabs on the intricacies of the world of insurance so you don’t have to. [**SaaS Company Insurance: What a BOP Won't Cover** — A SaaS company can sign its first enterprise contract, close a seed round and onboard a dozen employees before anyone asks whether the insurance program actually matches the exposure. — A Business Owner’s Policy covers a slip-and-fall here, a damaged server there. It does _not_ cover a client lawsuit…](/blog/saas-company-insurance-what-a-bop-wont-cover) [**Professional Liability Insurance for Consultants & Accountants** — A client hires you for your expertise. You deliver the work, but they lose money anyway—and decide you are responsible. That scenario plays out thousands of times a year across professional services, and the costs are significant. — According to Swiss Re's 2024 Sigma report, U.S. liability claims…](/blog/professional-liability-insurance-what-consultants-accountants-need) [**General Contractor Insurance: A Complete Coverage Guide** — In 2019, a summer storm sent a construction crane crashing through an apartment building in Dallas, killing a 29-year-old woman sitting on her couch. Four years later, a jury found the developer negligent and awarded her family more than $860 million. The crane operator walked free. — Most people…](/blog/general-contractor-insurance-a-complete-coverage-guide) [View all articles](/blog) ```json {"@context":"https://schema.org","@type":"WebSite","url":"https://www.pjcoinsurance.com/","name":"Pepper, Johnstone & Company"} ``` ```json {"@context":"https://schema.org","@type":"InsuranceAgency","@id":"https://www.pjcoinsurance.com/#122-w-market-street","url":"https://www.pjcoinsurance.com/","name":"Pepper, Johnstone & Company","legalName":"Pepper, Johnstone & Company, Inc.","logo":"https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/logo.80d7f691a213f4c005424382960e8608cbeea8e81c4c6b54b3ad47b9b05f80b8.svg","telephone":"+12562327818","faxNumber":"+12562332030","address":{"@type":"PostalAddress","streetAddress":"122 W. 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