NOTICE: We will be closed for Independence Day and will be back to our usual hours on Monday the 7th. All of us at PJ&C wish you and your loved ones a safe and enjoyable holiday.

PEPPER, JOHNSTONE & COMPANY BLOG

All You Ever Wanted to Know About Insurance

Spring Weather Risks: Is Your Homeowner Insurance Ready?

Spring has finally arrived, bringing warmer temperatures and beautiful blooms—and, unfortunately, the threat of severe weather. Across the country, homeowners face risks from storms, tornadoes, heavy rains, and hail. Making sure your homeowner insurance is up-to-date is crucial for protecting your…

How to Protect Your Store With a Business Owner's Policy

As a retailer, a lot goes into keeping your doors open. Along with having fully stocked shelves and excellent customer service, you also need to consider how you will protect your store from theft, fire, or other risks. This is especially important considering that four out of ten small businesses…

What is Inland Marine Insurance? Everything You Need to Know

When most people hear the words “inland marine insurance,” they probably think of insuring a boat. It’s a common misconception, but inland marine insurance actually has nothing to do with watercraft. Instead, it’s designed to protect valuable items that are being transported over land or stored in…

Occurrence VS Claims Made - The Right Policy for Your Business

It might surprise most Americans to know that small business is anything but. In fact, 99.9% of businesses are small. That’s tens of millions of entrepreneurs who need the right kind of insurance to get their doors open and keep them that way. — Commercial general liability insurance is a great…

How to File a Business Insurance Claim in Alabama - A Guide

The best kind of insurance is the policy you never have to use. As the saying goes, “Better to have it and not need it than need it and not have it.” — At the end of the day, the best outcome for everyone would be never needing your insurance at all. Unfortunately, as business owners, we can’t take…

What is Business Income Insurance - FAQs Asked and Answered

Deep down, just about every American dreams of opening a small business. Being your own boss carries a singular allure. But those of us who summon the courage to do so may not succeed. — Nearly one in five small businesses fail within the first year. And no matter how long you’re open after that,…

General Liability VS Builder’s Risk Insurance - What’s the Difference?

Builders and the property owners who hire them help America grow. But where there’s reward, there’s risk—especially when erecting or remodeling buildings. — Before construction can even begin, you’ll need all the relevant materials, structures, equipment, and personnel. With timelines stretching…

Cybersecurity Threats to Alabama Businesses - Protect Yourself

It’s a sad fact of life that where business goes, theft and fraud follow. In the 21st century, business is online. Vaults have been replaced by mainframes, wallets by tap-to-pay apps. — Our money has migrated from fabric bills to 0s and 1s. Naturally, the most creative crooks have followed the…

Births, Mortgages, & Raises - When to Increase Your Life Insurance

As adults, we know that nothing’s guaranteed. Life is dangerous and unpredictable. In 2023, 112 Americans died each day in traffic collisions–more than two fatalities for every state. — Difficult as it is to ponder, we have to prepare for the worst. Life insurance serves as a vital safety net. But…

How to Choose the Right Insurance Partner for Your Business

In the USA, business is more than a way to make money—it’s a way of life. But when the wheel of innovation turns, some are lifted while others fall. — Thousands of small businesses fail each year for predictable reasons: low cash flow or disagreements among leadership. But even if you escape your…