--- title: Insurance Agency in Florence, AL | Pepper, Johnstone & Company description: Get custom personal insurance, business insurance, & specialty insurance with local customer service. Contact us to find the ideal policies & coverage for you. --- # Personal & Commercial Insurance in Florence, AL ( We’ve been building trust here 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) ## Florence AL Personal & Commercial Insurance ## The Top Independent Insurance Agency Serving Florence, AL Florence is well-known as northwestern Alabama’s bustling economic hub. Whether you’re protecting a family or a business here, one of the most crucial steps in preparing for the future is picking out the right insurance policies. Without the right coverage or enough coverage, your financial future is vulnerable to any unpleasant surprises life may have in store. That’s why residents and businesses in Florence count on the guidance of Pepper, Johnstone & Company’s seasoned insurance advisors. We are an independent insurance agency that connects you with the best offerings from numerous, A-rated insurance carriers, customized to your needs. Our goal is to help you save money on your insurance policies without having to sacrifice coverage. We understand that no two situations are alike, which is why we personalize our insurance solutions and client- service to meet your specific circumstances. Unlike national insurance firms, our mission is to be as client-focused as possible. We do this by providing a personalized approach where we get to know who you are and what you are looking for. Our decision-makers are also local, so you have the benefit of working with skilled, experienced advisors who know your community. ## Explore Our Top Insurance Services in Florence Choosing the right insurance policy doesn’t have to be stressful if you go the right route. Here are some of the insurance products we can help you evaluate at Pepper, Johnstone & Company. Don’t see what you need listed here? Contact us today to find out what we can do for you! ### Personal Insurance in Florence, AL No matter who you are, you need to have personal insurance to protect your assets. From auto insurance to renters insurance, homeowners insurance to boat insurance, we have what you need. **[Learn More](/insurance/personal)** ### Business Insurance in Florence, AL As a business owner, there are certain types of insurance you need to have to protect your livelihood and investment. At Pepper, Johnstone & Company, we can help you choose from commercial auto, commercial property, commercial liability insurance, professional liability and more. **[Learn More](/insurance/business)** ### Life & Health Insurance in Florence, AL There’s no more valuable asset than your loved ones and your health. Invest in protection for the people who matter most in life with a personalized life or health insurance policy. **[Learn More](/insurance/life)** ### Specialty Insurance in Florence, AL Florence’s many industries often come with specialized challenges and liabilities. From farms to religious institutions, tech hubs to healthcare centers, let us help you get the coverage you need. **[Learn More](/insurance/specialty)** ## Your Guide to Independent Insurance Agencies You may not know what your options are when you are looking into different insurance policies in Alabama. Many people use captive agencies or insurance carriers simply because they don’t know there are any other options out there. Unlike these types of agencies and carriers, Pepper, Johnstone & Company is an independent insurance agency that helps you find the best insurance solution for your situation. We’ve been serving North Alabama since 1971 and have over 50 years of experience in the insurance industry, which is why we are a trusted choice for the people of Florence. If you’re ready to see the difference our local knowledge and personal touch can make, contact our experts today! ## Contact Us Today For All of Your Insurance Needs There are many things you need to consider when you are looking at insurance policies, whether they are for yourself, your family, or your business. At Pepper, Johnstone & Company, we simplify the process, providing unmatched clarity and transparency, so that you can feel confident when choosing a policy. Do you need help finding the right insurance policy in Florence, AL? Contact us today at Pepper, Johnstone & Company to speak with one of our Alabama insurance experts. ### Get a Quick Insurance Quote (A form appears here on the HTML version of this page.) ## Florence AL Insurance from Trusted Risk Management Advisors Pepper, Johnstone & Company provides insurance services to clients throughout the southern U.S., including in Florence AL. Take advantage of the trust and experience we've been building since our founding over 50 years ago. [— Florence AL — Homeowner Insurance — Protect your home with customized homeowner insurance, no matter where you live. As an independent agency, we work with 60+ A-rated insurance partners nationwide to find the best coverage for your unique needs.](/insurance/personal/homeowner-insurance) [— Florence AL — Condo Insurance — Get comprehensive condo insurance that covers your unit and personal property, tailored for homeowners across the country. We connect you with top insurers to ensure reliable protection wherever you are.](/insurance/personal/condo-insurance/quote) [— Florence AL — Auto Insurance — Drive confidently with auto insurance that fits your lifestyle. Whether you're in a big city or a small town, we offer nationwide coverage options from trusted A-rated providers to keep you protected.](/insurance/personal/auto-insurance) [— Florence AL — Boat Insurance — Stay protected on the water, coast to coast. Our boat insurance options are available nationwide and offer comprehensive protection, no matter where you dock or sail.](/insurance/personal/boat-insurance) [— Florence AL — Renters Insurance — Secure your belongings with renters insurance tailored to renters across the United States. We partner with top-rated insurers to provide affordable, reliable coverage no matter where you rent.](/insurance/personal/renters-insurance) [— Florence AL — Business Insurance — Protect your business with customized insurance plans, whether you're running a local shop or a nationwide operation. We offer coverage through our network of 60+ A-rated carriers to meet your unique needs.](/insurance/business/business-insurance) [— Florence AL — Landlord Insurance — Nationwide landlord insurance coverage that safeguards your rental properties. We offer flexible policies from leading insurance providers to ensure your investment is protected no matter where your properties are located.](/insurance/personal/landlord-insurance) [— Florence AL — Flood Insurance — Be prepared for flooding anywhere in the U.S. with comprehensive flood insurance. We offer nationwide protection from top insurance companies, ensuring you have the coverage you need when it matters most.](/insurance/personal/flood-insurance) ## Florence Alabama Insurance If you have any questions or concerns about the insurance that Pepper, Johnstone & Company can provide you in the Florence area, feel free to [contact us](/contact) or give us a call. ## 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. ```json {"@context":"https://schema.org","@type":"WebSite","url":"https://www.pjcoinsurance.com/","name":"Pepper, Johnstone & Company"} ``` ```json {"@context":"https://schema.org","@type":"InsuranceAgency","name":"Pepper, Johnstone & Company - Florence, AL","url":"https://www.pjcoinsurance.com/about/areas/florence-alabama.md","areaServed":{"@type":"Place","name":"Florence, Alabama"},"address":{"@type":"PostalAddress","addressLocality":"Florence","addressRegion":"AL"},"openingHoursSpecification":[{"@type":"OpeningHoursSpecification","dayOfWeek":["Monday","Tuesday","Thursday"],"opens":"8:00 AM","closes":"5:00 PM"},{"@type":"OpeningHoursSpecification","dayOfWeek":["Wednesday","Friday"],"opens":"8:00 AM","closes":"4:30 PM"},{"@type":"OpeningHoursSpecification","dayOfWeek":["Saturday","Sunday"],"opens":"00:00","closes":"00:00"}]} ```