--- title: Consumer and Commercial Insurance Company Alabama | Pepper, Johnstone Co. description: Pepper, Johnstone & Company is a local independent insurance agencyis a local independent insurance agency with offices in Athens and Huntsville, Alabama. Call us at 866-381-5821. --- # We’ve got big ideas for your insurance. ( We’ve been at this for over 50 years. ) ## “Just browsing”? When you’re ready to see what we’ve got to offer, give us a call to talk options, or request an insurance quote online. [GET A QUOTE](/quotes) ## Already with us? We’re standing by, ready to help with whatever you need. Claims, payments, coverage changes, and anything else. [GET SERVICE](/claims-services) ## Dependable, A-Rated Insurance Partners We partner with [60+ insurance companies](/about/insurance-companies) to provide our clients with the best match for their needs, and to make sure we only recommend companies who will be there when you need them. - [Travelers](/claims-services/claims-payments#travelers) - [The Hartford](/claims-services/claims-payments#the-hartford) - [Chubb](/claims-services/claims-payments#chubb) - [Progressive](/claims-services/claims-payments#progressive) - [Liberty Mutual](/claims-services/claims-payments#liberty-mutual) - [Auto Owners](/claims-services/claims-payments#auto-owners) - [Safeco](/claims-services/claims-payments#safeco) - [Cincinnati Insurance](/claims-services/claims-payments#cincinnati-insurance) ## Our Insurance Products We partner with a wide range of quality, reliable insurance companies and can provide coverage options for any business or personal insurance need. ### Individuals & Families insurance for your family, home, cars & more [Personal Insurance Products](/insurance/personal) ### Businesses & Organizations insurance for your company, operations & more [Business Insurance Products](/insurance/business) Our wealth of industry knowledge allows us to provide insurance, risk management, and investment solutions to our individual, small business, and corporate clients. ## Why Choose Us We take care of our clients like family. We’re here for you – whether to provide a rate, assist with a claim, expand your coverage, or just answer questions. ### Us ### vs ### Them **We work for your interests** , not for an insurance company. They work primarily for the interests of the insurance company (their employer). We can get you insurance from **60+ insurance companies**. They can only get you insurance from a single insurance company. We find insurance products that fit **your needs and your budget**. They ask you to fit within the limits of the products and prices they have. We provide a **dedicated claims manager** who advocates for you. They’ll just assign an adjuster, leaving you to advocate for yourself. [GET A QUOTE](/quotes) [GET IN TOUCH](/contact) * * * ## We Make Insurance Easy Getting coverage and getting service are simple with us. ### Start the process Get in touch and speak with a friendly agent to discuss your needs. We’ll discuss coverage options and check for gaps to ensure you’re protected. ### We’ll work our magic Once we know what you need, we’ll work with our carrier partners to find you the best coverage at the best possible price. ### Sit back and relax We’ll advise you on the best options for your insurance, and then you can rest easy knowing your assets are properly covered. [LET’S GET STARTED](/quotes) * * * ## Clients Love Us We work hard for this reputation. [![Lauren Marsh](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/testimonials/lauren-marsh.8f1ef3286aaf69249e3de25282587a81dc15842de09824b6b0cbfb88b2501a20.webp)](/about/client-testimonials) What’s made us stick with them is the accountability. **— Lauren Marsh —** Ridgeline Construction [![Lynn Persell](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/testimonials/lynn-persell.9a4cd56880c3014002601585585987659e761ba9b4ce55d934e41cc15c2c97f5.webp)](/about/client-testimonials) They’ve taken care of me during the darkest days after the tornado. **— Lynn Persell —** Persell Lumber & Mill Shop [![Mike Walters](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/testimonials/mike-walters.b7e85f459e5433841cfc9e45b3561d5fa0b394111be2eb8400535769c689c271.webp)](/about/client-testimonials) They understand our business & risk profile through industry knowledge. **— Mike Walters —** MVW Nutritionals ![Commercial client](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/avatars/woman-1.9cb73af9c1e3961f57515ecda4c9f4e639df0eff922a19dccb73c30bfe4385f4.webp) PJ&C has become a crucial member of our business support team over the past several years. **— Commercial client —** Atlanta, GA ![J.W. E.](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/avatars/man-1.26763a560ec8c33e538d9a14d02e9af37b878ed2735807d5bbca818b43fecadb.webp) The entire team is not only knowledgeable but down to earth and willing to share their time, tips and ideas. **— J.W. E. —** Nashville, TN ![Matthew H.](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/avatars/man-2.f0d626a1e52b3f01c2be3c90db4d5d367c60b36ac6f55c3a5fecdb9bccc5bd8b.webp) Top notch insurance agency! The team at PJ&C provide excellent customer service while meeting all our needs. **— Matthew H. —** Dallas, TX ![Samantha B.](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/avatars/woman-2.8e76c5af7c1582529e66148a1be8aa0a919754e1706a80af3031e295450f4db1.webp) All the employees at PJ&C are very professional and knowledgeable. Exceptional customer service. **— Samantha B. —** Athens, AL [MORE REVIEWS](/about/client-testimonials) ## We’re Easy to Work With Insurance is complicated, but the process doesn’t have to be. ### Get New Insurance Work with one of our licensed insurance professionals to ensure you have the insurance coverage you need at a price that fits within your budget. We’re friendly, respectful, and never pushy. [Call Us Now](tel:866-381-5821) [Text With Us](/contact) ### Get Policy Service If you need to file a claim, make a change to your policy’s coverage options, or update your address or contact info, please let us know. Our service staff is always ready to help. [Contact Us for Help](/contact) [Contact Your Carrier](/claims-services) * * * ## What Makes Us _Us_ ## We’re Independent & Trusted. Pepper, Johnstone & Company is **independently owned & operated** to handle your insurance needs, be it auto insurance, home insurance, commercial insurance, farm insurance, life insurance, and more. We focus on affordable and reliable insurance choices all [across Alabama, Georgia, Mississippi, North Carolina, South Carolina, Louisiana, Tennessee, Kentucky, Florida, Texas, Nevada, California, Colorado, Kansas, Ohio, and Washington, DC](/about). We’ll help you find the right combination of tailored, personalized insurance coverage at just the right price to fit your needs. 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