Pepper, Johnstone & Company Blog

All You Ever Wanted to Know About Insurance

How Agricultural Insurance Is Crucial for Your Farm

Running a commercial ranch or farm requires comprehensive insurance solutions that differ from other industries. Whereas most businesses rely on straightforward commercial policies, oftentimes farmers or ranchers live...

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Cyber Liability Insurance: Is It Right for Your Company?

In today’s age, technology is a major part of our business operations: from conducting banking to running retail and e-commerce. As our reliance on technology grows, it’s becoming increasingly imperative that we’re...

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Is My Homeowners Policy Enough to Cover My Valuables?

Your home is your family’s hub: it’s your sanctuary and the most valuable asset you own. Protecting your home (even if you’re renting) with a homeowners insurance policy keeps you safe in the event of a theft or...

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Debunking the Dangerous Myths of Commercial Insurance

We see the news littered with headlines about major companies being sued for countless reasons and we assume only the majors players are liable for legal complications, but even small businesses --- including your...

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How to avoid the most common auto and home insurance mistakes

Insurance. We all need it, but how can you make sure that you have the coverage that you need without overspending or underspending? We’re accustomed to making purchasing decisions based on price, but this can spell...

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"What is umbrella coverage? Doesn't my business have enough liability coverage already?"

Umbrella insurance is an apt name for this coverage that extends over and beyond other underlying policies to protect your business or home. You may believe that you have the coverage that you need, but umbrella...

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A "Lending Tree" approach to insurance: why independent insurance agencies look out for you better.

So, when you get ready to purchase an insurance policy for auto or home, who comes to mind? State Farm? Nationwide? Allstate? That’s what a lot of people would say. However, there’s a better, more effective, more...

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Insuring Jewelry: How to Know if Your Coverage is Enough

A ring from a loved one. A bracelet handed down through generations. A watch or necklace marking a special occasion. Every reason you treasure a piece of fine jewelry is a reason it should be insured. However, calling...

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Tips for Buying a Safe Car

You’ve heard all the talk about driverless cars - but unfortunately, we’re still years away from living in a world where you just tell your car where to go, kick back and relax with a book (or, more likely, your phone)....

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How to Lower Your Auto Insurance Bill

It’s easy to lower your insurance costs - especially if you have a great driving record, or don’t mind having higher deductibles. Who doesn’t want to pay less for car insurance? Billions of dollars are spent on ad...

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Love Bites – Get Umbrella Coverage

In today’s economy, everyone is pinching pennies. So why worry about umbrella coverage? Shouldn’t a home and auto policy leave you adequately covered? Unfortunately, we live in a world of lawsuits. Large damages can be...

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Safety Tips for Your Summer Swims

When the sun is out and the weather’s warm, people flock to the water — whether it’s the beach, a lake, a river or a backyard pool. But, wherever there’s water, there’s also danger. According to the U.S. Centers for...

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What to Do After a Car Accident in Winter

Freezing temperatures, gusts of wind, patches of ice – winter can be a horrible time to be on the road, especially if you’re on vacation and aren’t used to driving in winter conditions. And, it’s an even worse time to...

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Protect Your Family From the "Silent Killer"

Carbon monoxide is an odorless, colorless, invisible gas that results when certain fuels do not burn completely. And it can be deadly. That's why it's important to know how to prevent it, detect it, and protect yourself...

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Tips for a Safe Fourth of July — From Food to Fireworks

Memorial Day might be the unofficial start of summer, but Independence Day is when the season truly kicks into high gear. July 4 is a holiday that has something for everyone, whether you like to host (or attend)...

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Spring Into Home Maintenance Mode in Alabama

Spring is a time for rejuvenation, and, as the weather gets warmer here in Athens, Alabama, and the days grow longer, there's a positive energy in the air. Many people decide it's the perfect time for reorganizing and...

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Holiday Safety Tips for Your Four-Legged Friends

As a nation, our pets are like family, so let's make sure they enjoy the holidays with us while staying safe. As a general rule of thumb, always keep pets on a regular routine, even during the holiday season. Don't let...

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Protect Your Most Cherished Possessions

If you're like most people, there are certain items you own that you can't imagine ever losing - possessions you deeply cherish or those that would be impossible to replace due to the cost of re-purchasing them or...

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A Different Season Means Different Dangers For Motorcyclists

Fall is a wonderful time to be outside on your bike, thanks to the crisp, cool weather and changing colors of the landscape. Staying safe on the road in autumn requires some special precautions, however. Because we at...

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Flood Insurance - What You Should Know

You've probably heard this horror story before - someone loses a home due to a flood and learns after the fact that standard homeowners insurance doesn't cover flood damage. At Pepper, Johnstone & Co. we want you to...

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When the Kids Head for College, Put “Insurance 101" on Your Class List

It's an exciting time when your child heads off to college. Whether they're attending school in Alabama or have moved all the way across the country, there were a ton of things to get done last month, but did you...

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Tornadoes Happen Every Year - Are You Prepared?

You don't have to be directly hit by a tornado in Alabama to experience damage. Taking some time to prepare could save you thousands of dollars and hours of clean-up. Know What Your Insurance Covers and How Much You...

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Hiring a Subcontractor in Alabama?

As many commercial building owners and contractors across Alabama begin remodeling or construction projects, they realize the value in subbing out some of the work to skilled and technical professionals. But there are...

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Understanding Risk Management

Risk Management - WHAT IS RISK MANAGEMENT? - Most entrepreneurs are risk takers, willing to invest resources with an expectation and hope, but no guarantee, of reward. But, from the viewpoint of insurance, "risk" is...

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Life Insurance Review

RECOGNIZING WHEN TO HAVE A REVIEW Routine reviews every year or two are important to: Evaluate policy performance in the current economy Review industry trends Uncover subtle changes that may otherwise go unnoticed...

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Avoid the Five Biggest Insurance Mistakes!

NEW YORK, October 25, 2010 - With nearly one in 10 Americans out of work, and others forced to make ends meet with less money, many people are looking for ways to cut costs. There are smart ways to save on home and auto...

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Small Business Insurance Basics

Insurers often combine a number of insurance coverages into a package that is sold as a single contract. The most common policy for small businesses is the Businessowners Policy (BOP). The BOP combines coverage for all...

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