---
title: Areas We Insure | Pepper, Johnstone & Company | Alabama Insurance
description: Pepper, Johnstone & Company is a full-service insurance agency that insures areas across Alabama, Georgia, Mississippi, Tennessee and more.
---

# Personal & Commercial Insurance in Your Area

( We’ve been building trust here for over 50 years. )

## Looking for a quote?

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)

## Insurance from Trusted Risk Management Advisors

We provide insurance services to clients throughout the southern U.S.

[— Limestone County, AL — personal & commercial insurance](/about/areas/limestone-county-alabama)

[— Madison County, AL — personal & commercial insurance](/about/areas/madison-county-alabama)

[— Morgan County, AL — personal & commercial insurance](/about/areas/morgan-county-alabama)

[— Athens, AL — personal & commercial insurance](/about/areas/athens-alabama)

[— Huntsville, AL — personal & commercial insurance](/about/areas/huntsville-alabama)

[— Birmingham, AL — personal & commercial insurance](/about/areas/birmingham-alabama)

[— Decatur, AL — personal & commercial insurance](/about/areas/decatur-alabama)

[— Madison, AL — personal & commercial insurance](/about/areas/madison-alabama)

[— Florence, AL — personal & commercial insurance](/about/areas/florence-alabama)

## 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)

## 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)

## 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.