Business Insurance

Business | Auto | Liability | More

Customized Solutions

We deliver property and casualty solutions to a diverse spectrum of industries from construction and retail businesses to manufacturing, agriculture, healthcare providers and professional services.

We understand that no two clients are alike. Our step-by-step approach is a detailed analytical process that enables us to understand your specific needs and design tailored insurance solutions that meet those needs.

As your needs evolve over time, we continually re-evaluate your insurance program to ensure it is in-sync with your company.

Skilled Professionals

Our clients benefit from the skill-sets provided by experienced professionals with diverse backgrounds. The result is a comprehensive, customized insurance program that protects against and responds to most forms of risk.

Team Approach

Each client is represented by a team of professionals, directed by a principal of the firm, to provide you with personalized service.

Our extensive insurance background provides us experienced insight into developing comprehensive business insurance programs.


From the one-man shop to large corporations, Pepper, Johnstone & Co. has business solutions to fit your needs. We're experts in crafting customized Athens commercial insurance policies suited to your unique business operations.

We offer insurance packages that include business auto, liability, workers comp, property and more. Our business insurance advisors are dedicated to offering excellent customer service and trustworthy advice. Contact us today to learn more.

Commercial Auto

From local pizza delivery to large commercial fleets, Pepper, Johnstone & Co. offers commercial auto insurance packages to fit your business.

Business insurance needs are as diverse as the businessowners themselves. Your policy should be tailored to how you're using your cars and trucks for your business. We can find the right coverage for your needs.

We're experts in Athens business insurance and provide outstanding customer service. Contact us today to learn more.

Whether you're looking for additional protection for your business or are being required to obtain coverage by a client, Pepper, Johnstone & Co. can provide options for commercial liability insurance for your Athens business.

Liability for businesses can range from general commercial liability coverage to specialized policies such as professional liability (E&O), employment practices (EPLI), and directors and officers (D&O). Contact us today to find out what we recommend for your business.

Commercial Property

Commercial property insurance can help reduce the risk of a loss putting a financial strain on your business.

Our professional agents can review your business assets, such as properties, inventory, equipment, and tools and recommend coverage so that you're adequately insured.

Pepper, Johnstone & Co. works with many commercial insurance companies who offer programs tailored to business owners. Contact us today to schedule a consultation with one of our insurance advisors.

When a catastrophic liability loss occurs, an umbrella insurance policy can mean the difference between a business surviving, or not. Commercial Umbrella helps you protect you assets by providing liability limits above and beyond your other insurance policies.

One of the insurance advisors at Pepper, Johnstone & Co. can review your business insurance needs and recommend what kind of liability coverage you need to protect yourself and your company. Contact us today to schedule an appointment.

Workers Comp

Pepper, Johnstone & Co. can help your business find complete solutions to your unique workers compensation insurance needs, including services such as innovative payment systems, physician consulting services, and more.

The experienced agents at Pepper, Johnstone & Co. will find solutions that create safer and more productive workplaces, more confident and secure workers, and overall savings that you'll see on your bottom line. Contact us today to schedule an appointment.

Whether you’re a small business with a variety of bonding requirements, or an individual looking for a specific type of bond, Pepper, Johnstone & Co. has a surety program designed to fit your needs.

Pepper, Johnstone & Co. will work with your business to find products supported by value-added services to commercial banks, savings and loans, insurance companies, finance and loan companies, and credit unions.

Contact us today to find out more about our outstanding service and quick response from our team of licensed agents.

Builders Risk
Business Income
Directors & Officers
Employment Practices Liability
Fiduciary Liability
Professional Liability