PEPPER, JOHNSTONE & COMPANY BLOG

All You Ever Wanted to Know About Insurance

Professional Liability Insurance for Consultants & Accountants

A client hires you for your expertise. You deliver the work, but they lose money anyway—and decide you are responsible. That scenario plays out thousands of times a year across professional services, and the costs are significant. — According to Swiss Re's 2024 Sigma report, U.S. liability claims…

General Contractor Insurance: A Complete Coverage Guide

In 2019, a summer storm sent a construction crane crashing through an apartment building in Dallas, killing a 29-year-old woman sitting on her couch. Four years later, a jury found the developer negligent and awarded her family more than $860 million. The crane operator walked free. — Most people…

Startup Insurance: A Complete Guide for Founders

Most startup founders can tell you their burn rate, their CAC and their runway down to the week. Ask them about their insurance program and the conversation gets vague fast. But the moment you bring on employees, sign a client contract or take outside capital, you carry real liability exposures. —…

Year-End Risk Review: 5 Insurance Gaps to Fix in 2026

Running a business already takes most of your time. Reviewing your insurance coverage usually sits at the bottom of the list, until a claim exposes a weakness you didn’t know was there. A year-end risk review creates a deliberate pause to identify those gaps now so they don’t turn into six-figure…

Liability in the Gig Economy: Are Your Contractors Covered?

Businesses across the country rely on independent contractors for speed, flexibility and specialized talent. It’s efficient. It keeps overhead low. It helps growing companies stay nimble. But whenever contractors step onto your jobsite, interact with your clients or represent your brand, the line…

Scary Season for Small Businesses: Liability Risks Rise in Fall

Key Takeaways — Fall creates unique business exposures. Wet leaves, icy sidewalks, and crowded holiday events can lead to costly injury or property damage claims. — General liability coverage protects your finances. It helps cover medical bills, legal fees, and settlements when your business is…

AI and Insurance: Who’s Liable When Tech Gets It Wrong?

Artificial intelligence isn’t science fiction anymore. Today, it’s powering everything from chatbots in medical offices to predictive analytics in marketing firms. But what happens when AI makes a mistake? Who pays when a client sues over a financial loss caused by faulty algorithms or misguided…

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…

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,…

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…