---
title: Insurance Blog | Pepper, Johnstone & Company | Alabama Insurance
description: Read the Pepper, Johnstone & Company blog for local, interesting and up-to-date Athens insurance news.
---

# PEPPER, JOHNSTONE & COMPANY BLOG

## All You Ever Wanted to Know About Insurance

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[**What Does Cyber Liability Insurance Cover in 2025?** — **_At a Glance:_** _Cybercrime targeting small businesses is rising, especially through phishing and social engineering scams._ **_Cyber liability insurance and crime coverage_** _help protect sensitive data, finances, and reputation from today’s most common cyber incidents and AI-driven fraud._ — **The New Face of…**](/blog/what-does-cyber-liability-insurance-cover-for-small-businesses-in-2025)

[**Extreme Heat & Workers’ Comp: Know Your Coverage** — When summer temperatures climb into the triple digits, outdoor workers face more than discomfort. Climate-related illnesses like heat exhaustion and heat stroke have become urgent safety concerns for roofers, landscapers, agricultural laborers, and construction crews alike. In this rising heat,…](/blog/extreme-heat-workers-comp-know-your-coverage)

[**Workers’ Comp 101: What Every Employer Needs to Know** — Every business owner wants a thriving, productive workplace. But when accidents happen—and they do—workers’ compensation insurance can make the difference between a temporary setback and a major disruption. — At Pepper, Johnstone & Company, we help businesses across industries and across the nation…](/blog/workers-comp-101-what-every-employer-needs-to-know)

[**Is Your Business Insurance Still Right for You? Annual Tips** — As a business owner, your priorities include growth, profitability, and managing risk, but when was the last time you took a close look at your insurance coverage? From small startups to established enterprises, the right business insurance plays a key role in protecting your assets and supporting…](/blog/is-your-business-insurance-still-right-for-you-annual-review-tips)

[**Why Small Businesses Need Employment Practices Liability** — As a business owner, your people are your greatest asset—and your greatest potential liability. In 2025, workplace lawsuits are on the rise, and large corporations aren’t the only ones affected. Businesses with fewer employees and limited legal resources are just as likely to face lawsuits, which…](/blog/why-small-businesses-should-pay-attention-to-employment-practices-liability)

[**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…](/blog/spring-weather-risks-is-your-homeowner-insurance-ready)

[**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…](/blog/how-to-protect-your-store-in-alabama-with-a-business-owners-policy)

[**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…](/blog/what-is-inland-marine-insurance)

[**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…](/blog/occurrence-vs-claims-made-insurance)

[**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…](/blog/how-to-file-a-business-insurance-claim-in-alabama)

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