---
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 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,…](/blog/what-is-business-income-insurance-faqs)

[**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…](/blog/general-liability-vs-builders-risk-insurance-whats-the-difference)

[**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 Vaults have been replaced by mainframes, wallets by tap-to-pay apps.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…](/blog/cybersecurity-threats-to-alabama-businesses-protect-yourself)

[**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…](/blog/births-mortgages-raises-when-to-increase-your-life-insurance)

[**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…](/blog/how-to-choose-the-right-insurance-partner-for-your-business)

[**Do I Need Business Insurance? - A Guide on Business Insurance Coverage** — It’s easy to think of insurance like umbrellas; it’s better to have it and not need it than to need it and not have it. But for business insurance, especially, that’s an incomplete analogy. Commercial business insurance plays a crucial role in protecting businesses from a wide range of risks,…](/blog/what-kind-of-insurance-does-my-business-need-a-guide)

[**Why You Should Choose an Independent Insurance Agent** — Businesses in Alabama have a lot to think about on a daily basis: bottom lines, quarterly projections, employee satisfaction—the list goes on and on. For ultimate peace of mind while you build your organization’s future, you need insurance options perfectly suited to protect your investment, assets…](/blog/why-you-should-choose-an-independent-insurance-agent)

[**Maximizing Protection: How General Life Insurance Works** — Having life insurance is an absolute necessity for individuals who want to provide financial security for their surviving loved ones. Life can be very unpredictable, and life insurance allows you to plan for the future so that your end-of-life and funeral expenses are covered. While it may feel…](/blog/maximizing-protection-how-general-life-insurance-works)

[**Group Benefits for Attracting Top Talent - What You Should Offer** — The notion and nature of “work” is changing across America. Enlightened by pandemic-era alterations to the daily grind, and fueled by a realignment of labor values, today’s workforce is not so easily understood or enticed. — Accordingly, headlines reading “Great Resignation” or “Quiet Quitting”…](/blog/group-benefits-for-attracting-top-talent-what-you-should-offer)

[**Insurance for Retail & Retailers - The Protections You Need** — Rumors of retail’s demise have been greatly exaggerated. Storefronts throughout Athens and Huntsville, AL are full of products, and the thrill of window shopping didn’t die out once the internet went live. Retailers are finding new and creative ways to entice shoppers back to brick-and-mortar…](/blog/insurance-for-retail-retailers-the-protections-you-need)

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