# Pepper, Johnstone & Company: An insurance agency located in Athens AL and Huntsville AL offering auto insurance, boat insurance, classic car insurance, condo insurance, flood insurance, homeowner insurance, landlord insurance, motorcycle insurance, RV insurance, renters insurance, umbrella insurance, earthquake insurance, off-road vehicle insurance, estate planning, personal valuables insurance, business insurance, commercial auto insurance, commercial liability insurance, commercial property insurance, commercial umbrella insurance, workers' comp insurance, bonds, builder's risk insurance, business income insurance, directors & officers insurance, employment practices liability insurance, fiduciary liability insurance, professional liability insurance, life insurance, group benefits, disability insurance, individual benefits, long term care insurance, farm insurance, technology insurance, mini-storage insurance, metal fabricators insurance, healthcare professionals insurance, religious institution insurance, commercial general contractor insurance, residential general contractor insurance, artisan contractor insurance, electrician insurance, plumber insurance, HVAC insurance, roofer insurance, drywall contractor insurance, painter insurance, tile contractor insurance, framing contractor insurance, excavation contractor insurance, landscaping insurance, and ranch insurance. Licensed to write insurance in Alabama, Georgia, Mississippi, North Carolina, South Carolina, Louisiana, Tennessee, Kentucky, Florida, Texas, Nevada, California, Colorado, Kansas, Ohio, Washington, DC, Indiana, New Jersey, and Washington. > 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. ## General - [Alabama](https://www.pjcoinsurance.com/location/alabama/): Get reliable home and commercial insurance in Alabama. Protect what matters most. Request your free quote today. - [Georgia](https://www.pjcoinsurance.com/location/georgia/): Get reliable home and commercial insurance in Georgia. Protect what matters most. Request your free quote today. - [Nashville, TN](https://www.pjcoinsurance.com/location/tennessee/nashville/): Looking for trusted home or commercial insurance in Nashville, TN? Get personalized coverage and instant quotes from Pepper, Johnstone & Company. - [North Carolina](https://www.pjcoinsurance.com/location/north-carolina/): Reliable home and commercial insurance in North Carolina with Pepper, Johnstone & Company. Get a quote and protect what matters most. - [Sitemap](https://www.pjcoinsurance.com/sitemap): Sitemap for the insurance website for Pepper, Johnstone & Company - [Tennessee](https://www.pjcoinsurance.com/location/tennessee/): Protect what matters most with affordable commercial and home insurance in Tennessee. Get an instant quote today. - [Texas](https://www.pjcoinsurance.com/location/texas/): Looking for dependable home or commercial insurance in Texas? Pepper, Johnstone & Company offers personalized coverage and quick quotes. ## Products & Services To learn more about our products and services, check out the following pages: - [Residential General Contractor Insurance](https://www.pjcoinsurance.com/insurance/specialty/residential-general-contractor-insurance): Get a quote on residential general contractor insurance with PJ&C Insurance. Explore our tailored insurance options for businesses in AL, GA, MS, NC, SC, LA, TN, KY, FL, TX, NV, CA, CO, KS, OH, DC, IN, NJ, and WA today. ## Locations - [Athens](https://www.pjcoinsurance.com/contact/athens): 122 W. Market Street, Athens, AL 35611 - [Huntsville](https://www.pjcoinsurance.com/contact/huntsville): 3414 Governors Drive SW Suite 210, Huntsville, AL 35801 ## Blog Posts - [Restaurant Insurance: Who Pays When Something Goes Wrong](https://www.pjcoinsurance.com/blog/restaurant-insurance-who-pays-when-something-goes-wrong): Your lease only sets the minimum. Here's what restaurant insurance covers, from general liability and liquor liability to workers' comp and business income. - [Workers' Comp for Small Business: Who’s Actually Covered?](https://www.pjcoinsurance.com/blog/workers-comp-for-small-business-whos-actually-covered): Contractors, remote hires and founders all raise the same question. See who workers’ comp actually covers and where small businesses get it wrong. - [Medical Practice Insurance: A State-by-State Guide](https://www.pjcoinsurance.com/blog/medical-practice-insurance-a-state-by-state-guide): Malpractice, cyber and workers’ comp rules differ by state and specialty. Here’s what your medical practice actually needs to carry. - [D&O Insurance for Startups: The Stage-by-Stage Risk Guide](https://www.pjcoinsurance.com/blog/d-o-insurance-for-startups-the-stage-by-stage-risk-guide): Investors often require D&O before closing a round. Here's what directors and officers insurance covers and when startups actually need it. - [What Insurance Do Startups Need? A Pre-Seed & Seed Checklist](https://www.pjcoinsurance.com/blog/what-insurance-do-startups-need-pre-seed-seed-checklist): Before your first hire, first contract, or first raise, you need the right coverage. Here’s the complete startup business insurance checklist founders need. - [SaaS Company Insurance: What a BOP Won't Cover](https://www.pjcoinsurance.com/blog/saas-company-insurance-what-a-bop-wont-cover): SaaS companies carry three liability exposures that a standard BOP won’t cover. Here’s how E&O, cyber and D&O insurance address the gaps. - [Professional Liability Insurance for Consultants & Accountants](https://www.pjcoinsurance.com/blog/professional-liability-insurance-what-consultants-accountants-need): One client dispute can cost $400K+ in legal fees. Here's how E&O insurance protects consultants and accounting firms — and what many get wrong. - [General Contractor Insurance: A Complete Coverage Guide](https://www.pjcoinsurance.com/blog/general-contractor-insurance-a-complete-coverage-guide): General contractors face serious liability on every jobsite. Here's what coverage you need, what contracts require, and where most GCs have gaps. - [Startup Insurance: A Complete Guide for Founders](https://www.pjcoinsurance.com/blog/startup-insurance-a-complete-guide-for-founders): From pre-seed to Series A, here's how your startup's insurance needs evolve and what gaps most founders never see coming. - [Year-End Risk Review: 5 Insurance Gaps to Fix in 2026](https://www.pjcoinsurance.com/blog/year-end-risk-review-5-insurance-gaps-to-fix-in-2026): Identify overlooked insurance gaps, like commercial umbrella insurance, cyber, and EPLI, so your business is protected heading into 2026. - [Liability in the Gig Economy: Are Your Contractors Covered?](https://www.pjcoinsurance.com/blog/liability-in-the-gig-economy-are-your-contractors-covered): Learn how contractor liability affects your business and what coverage you need. Get clear guidance and protect your operation. Contact an advisor today. - [Scary Season for Small Businesses: Liability Risks Rise in Fall](https://www.pjcoinsurance.com/blog/scary-season-for-small-businesses-liability-risks-rise-in-fall): Discover how general liability insurance protects small businesses from costly claims during the busy fall season. Request a quote today. - [AI and Insurance: Who’s Liable When Tech Gets It Wrong?](https://www.pjcoinsurance.com/blog/ai-and-insurance-whos-liable-when-tech-gets-it-wrong): Explore who’s responsible when AI goes wrong. Learn what errors & omissions insurance covers, & how tech E&O policies protect your business from costly claims. - [What Does Cyber Liability Insurance Cover in 2025?](https://www.pjcoinsurance.com/blog/what-does-cyber-liability-insurance-cover-for-small-businesses-in-2025): Cybercrime is rising fast. Discover what cyber insurance covers—and doesn’t—for small businesses facing phishing, spoofing, & data breaches. - [Extreme Heat & Workers’ Comp: Know Your Coverage](https://www.pjcoinsurance.com/blog/extreme-heat-workers-comp-know-your-coverage): Learn how liability insurance and workers' compensation protect outdoor workers from heat-related illness, injury claims, and legal risks. - [Workers’ Comp 101: What Every Employer Needs to Know](https://www.pjcoinsurance.com/blog/workers-comp-101-what-every-employer-needs-to-know): Workers’ compensation insurance protects your business & your team. Learn what it covers, how it works, & why it’s a critical part of any risk management plan. - [Is Your Business Insurance Still Right for You? Annual Tips](https://www.pjcoinsurance.com/blog/is-your-business-insurance-still-right-for-you-annual-review-tips): Learn how to conduct a business insurance review to avoid overpaying or missing coverage with the experts at Pepper, Johnstone & Company. Contact us today! - [Why Small Businesses Need Employment Practices Liability](https://www.pjcoinsurance.com/blog/why-small-businesses-should-pay-attention-to-employment-practices-liability): Protect your business in 2025. Discover why EPLI matters, what it covers, and how it compares to other types of coverage. - [Spring Weather Risks: Is Your Homeowner Insurance Ready?](https://www.pjcoinsurance.com/blog/spring-weather-risks-is-your-homeowner-insurance-ready): Spring storms can expose hidden gaps in your homeowner insurance policy. Get answers to your storm damage coverage questions from our insurance experts. - [How to Protect Your Store With a Business Owner's Policy](https://www.pjcoinsurance.com/blog/how-to-protect-your-store-in-alabama-with-a-business-owners-policy): Find out what you need to know about business owners' policies: what they are, who needs them, & how to get the best coverage for your needs. - [What is Inland Marine Insurance? Everything You Need to Know](https://www.pjcoinsurance.com/blog/what-is-inland-marine-insurance): Learn the fundamentals of inland marine insurance, including its purpose, coverage options, and benefits it offers for business owners. - [Occurrence VS Claims Made - The Right Policy for Your Business](https://www.pjcoinsurance.com/blog/occurrence-vs-claims-made-insurance): What are the strengths, weaknesses, & nuances of commercial general liability insurance policies? Let’s explore claims made vs occurrence. - [How to File a Business Insurance Claim in Alabama - A Guide](https://www.pjcoinsurance.com/blog/how-to-file-a-business-insurance-claim-in-alabama): In the event of the worst, how do you file a business insurance claim in Alabama? The steps are easy and the benefits can be life-saving. Learn more. - [What is Business Income Insurance - FAQs Asked and Answered](https://www.pjcoinsurance.com/blog/what-is-business-income-insurance-faqs): Business income insurance covers lost income in the event of theft or fire. Keep your doors open & get back in business sooner. Learn more. - [General Liability VS Builder’s Risk Insurance - What’s the Difference?](https://www.pjcoinsurance.com/blog/general-liability-vs-builders-risk-insurance-whats-the-difference): The safety of your crew is top priority, but smart business owners also protect their businesses. Here’s what builder’s risk insurance can do for you. - [Cybersecurity Threats to Alabama Businesses - Protect Yourself](https://www.pjcoinsurance.com/blog/cybersecurity-threats-to-alabama-businesses-protect-yourself): Protect your business or organization with technology insurance & professional liability insurance. Learn more before it’s too late. - [Births, Mortgages, & Raises - When to Increase Your Life Insurance](https://www.pjcoinsurance.com/blog/births-mortgages-raises-when-to-increase-your-life-insurance): Increase your life insurance coverage to match your responsibilities & lifestyle. Here’s what you need to know about increasing coverage. - [How to Choose the Right Insurance Partner for Your Business](https://www.pjcoinsurance.com/blog/how-to-choose-the-right-insurance-partner-for-your-business): Among the most important decisions you’ll make when starting a business is choosing an insurance partner. Consider these factors. Learn more. - [Do I Need Business Insurance? - A Guide on Business Insurance Coverage](https://www.pjcoinsurance.com/blog/what-kind-of-insurance-does-my-business-need-a-guide): Different businesses need different kinds of coverage to protect against litigation or worse. Here’s everything you need to know. Learn more! - [Why You Should Choose an Independent Insurance Agent](https://www.pjcoinsurance.com/blog/why-you-should-choose-an-independent-insurance-agent): Independent insurance agencies like Pepper, Johnstone & Company provide insurance advice, policy options, and some of the best rates available. - [Maximizing Protection: How General Life Insurance Works](https://www.pjcoinsurance.com/blog/maximizing-protection-how-general-life-insurance-works): Life can be very unpredictable, and life insurance allows you to plan for the future with Pepper, Johnstone & Company - [Group Benefits for Attracting Top Talent - What You Should Offer](https://www.pjcoinsurance.com/blog/group-benefits-for-attracting-top-talent-what-you-should-offer): While modern employers scramble for new ways to attract talent, strong traditional benefits shouldn’t be overlooked. Here’s how we can help your organization. - [Insurance for Retail & Retailers - The Protections You Need](https://www.pjcoinsurance.com/blog/insurance-for-retail-retailers-the-protections-you-need): At Pepper, Johnstone & Company, we value retail’s impact on the local economies in Huntsville, Athens, and throughout the state of Alabama. - [Instant Life Insurance Quotes, Instant Peace of Mind - Pepper, Johnstone](https://www.pjcoinsurance.com/blog/instant-life-insurance-quotes-instant-peace-of-mind-pepper-johnstone): Get the comprehensive life insurance coverage you need with just one click and a few easy questions. In just 15 minutes, you can protect your family. - [Insurance for Tech Workers - The Protections You Need](https://www.pjcoinsurance.com/blog/insurance-for-tech-workers-the-protections-you-need): Emerging technology faces emerging risks. Tech businesses like yours need special protections and coverage to face the stranger risks of today & tomorrow. - [Insurance for Accountants - The Protections You Need](https://www.pjcoinsurance.com/blog/insurance-for-accountants-the-protections-you-need): Without proper insurance, your accounting or CPA firm may be at risk from damaging claims of negligence and litigation. Pepper, Johnstone & Co. can help. - [Insurance for Nonprofits - Helping the Helpers](https://www.pjcoinsurance.com/blog/insurance-for-nonprofits-helping-the-helpers): You and your nonprofit organization have a mission, but without the right kind of insurance program, your mission could end prematurely. Here’s what you need. - [Insurance for Construction - The Protection You Need](https://www.pjcoinsurance.com/blog/insurance-for-construction-the-protection-you-need): Construction is one of the most dangerous industries in America today. You need adequate insurance coverage for your commercial construction business. - [Pepper, Johnstone & Company’s Huntsville Office — Now Open To Protect Your Future](https://www.pjcoinsurance.com/blog/pepper-johnstone-company-s-huntsville-office-now-open-to-protect-your-future): Pepper, Johnstone & Company’s Huntsville, AL office is now open for business! Come see us for personal, business, life, farm, health, and specialty insurance. - [Why You Need Business Insurance for Your Restaurant](https://www.pjcoinsurance.com/blog/why-you-need-business-insurance-for-your-restaurant): You’ve worked hard on your restaurant, but in the service industry, the risks are many and unique. You need business insurance. Here’s why. - [Why You Need Renters Insurance - Protecting You & Your Guests](https://www.pjcoinsurance.com/blog/why-you-need-renters-insurance-protecting-you-your-guests) - [Life Insurance Awareness Month: How to Protect Your Family](https://www.pjcoinsurance.com/blog/life-insurance-awareness-month-how-to-protect-your-family): September was Life Insurance Awareness Month. This year, the pandemic made us realize how important it is to plan ahead for protecting our families. - [Business Is Booming! Why Now Is the Best Time for Mini-Storage Insurance](https://www.pjcoinsurance.com/blog/why-now-is-the-best-time-for-mini-storage-insurance): In Alabama and Middle Tennessee business is booming, but are you fully covered against risk? Click to learn how specialized mini-storage insurance can protect you! - [Top 3 Reasons for Full Boating Insurance Coverage](https://www.pjcoinsurance.com/blog/top-3-reasons-for-full-boating-insurance-coverage): Boating insurance coverage helps you relax when you’re out on the water, but are you fully protected? Click to learn about 3 coverages you may not have considered. - [Pepper, Johnstone & Company Celebrates 50th Anniversary](https://www.pjcoinsurance.com/blog/pepper-johnstone-company-celebrates-50th-anniversary): Pepper, Johnstone & Company has been providing personal and commercial insurance since 1971. Learn what’s happened over the past 50 years! - [Introducing the newest member of the Pepper, Johnstone & Company family: Bobby Allen](https://www.pjcoinsurance.com/blog/introducing-the-newest-member-of-the-pepper-johnstone-company-family-bobby-allen): Pepper, Johnstone & Company introduces the newest associate to the firm, Bobby Allen, whose work ethic perfectly aligns with our company’s core values. - [Religious institution insurance: getting proper protection from specialty insurance](https://www.pjcoinsurance.com/blog/religious-institution-insurance-getting-proper-protection-from-specialty-insurance): Protecting your house of worship has never been more important. Pepper, Johnstone & Company allows you to carry on traditions without fear of losing them. - [As a Baby Boomer, you need long term care insurance](https://www.pjcoinsurance.com/blog/as-a-baby-boomer-you-need-long-term-care-insurance): As you approach your golden years and beyond, it’s time to start protecting your welfare with with long term care insurance - [Commercial property insurance in a hardening market: PJ&C can ensure the right coverage](https://www.pjcoinsurance.com/blog/commercial-property-insurance-in-a-hardening-market-pj-c-can-ensure-the-right-coverage): The market for commercial property insurance is hardening in wake of the pandemic. Here’s why, & how Pepper, Johnstone & Company can ensure the right coverage. - [Property & casualty insurance can alleviate healthcare professionals of risk and distraction](https://www.pjcoinsurance.com/blog/property-casualty-insurance-can-alleviate-healthcare-professionals-of-risk-and-distraction): Our property and casualty insurance covers healthcare professionals from the risks that matter most, freeing you to help patients the right way. - [COVID-19 and farm insurance: is your agribusiness adequately covered?](https://www.pjcoinsurance.com/blog/covid-19-and-farm-insurance-is-your-agribusiness-adequately-covered): Some farmers and ranchers were hit hard by COVID-19 conditions; others thrived. Make sure you have the right insurance coverage for your agribusiness. - [Bryan Johnstone bestowed prestigious Traveler’s National Producer Council appointment](https://www.pjcoinsurance.com/blog/bryan-johnstone-bestowed-prestigious-travelers-national-producer-council-appointment) - [Four exciting ways community involvement improves your business' reputation](https://www.pjcoinsurance.com/blog/four-exciting-ways-community-involvement-improves-your-business-reputation): When you value giving back to your community, your employees are more engaged, and you will differentiate your business in the best way possible. - [Don’t believe local independent insurance agencies are right for you? Listen to our clients](https://www.pjcoinsurance.com/blog/don-t-believe-local-independent-insurance-agencies-are-right-for-you-listen-to-our-clients): In a sea of insurance agencies, Pepper, Johnstone & Company stands out by developing meaningful client relationships and a real sense of community engagement. - [Forget Geico, State Farm, and Allstate: independent insurance agents offer more for less](https://www.pjcoinsurance.com/blog/forget-geico-state-farm-and-allstate-independent-insurance-agents-offer-more-for-less): Because everyone has extra time right now, we’re all looking for the best insurance deals. But your search should include a local independent insurance agent, - [Home service contractors: are the workers you hire insured?](https://www.pjcoinsurance.com/blog/home-service-contractors-are-the-workers-you-hire-insured): Pepper Johnstone & Company discusses the importance of making sure that home service contractors who come to work on your property are insured. - [When Catastrophes Strike: Preparing Your Business in Limestone County](https://www.pjcoinsurance.com/blog/when-catastrophes-strike-preparing-your-business-in-limestone-county): Here we discuss potential catastrophes that can strike your business, and how to protect your business with the proper insurance. - [Insuring Your Business As It Scales](https://www.pjcoinsurance.com/blog/insuring-your-business-as-it-scales): In this blog, Pepper, Johnstone & Company discusses how to make sure your business is covered as it grows. - [Hardening of the insurance industry](https://www.pjcoinsurance.com/blog/hardening-of-the-insurance-industry): In this blog, Pepper, Johnstone & Company discusses hardening of the insurance industry, which will mean higher premiums for consumers. - [Cyber attacks on your business: are you prepared?](https://www.pjcoinsurance.com/blog/cyber-attacks-on-your-business-are-you-prepared): In this blog, Pepper, Johnstone & Company discusses the importance of insuring your business from cyber-attacks with cyber liability insurance. - [How automation is transforming the insurance industry](https://www.pjcoinsurance.com/blog/how-automation-is-transforming-the-insurance-industry): At Pepper, Johnstone & Company, we care about staying ahead of the trends. This year, the rise of automation is a key trend. - [5 New Business Insurance Policies Every Startup Company Needs](https://www.pjcoinsurance.com/blog/5-insurance-policies-every-startup-company-needs): Our business insurance experts at Pepper, Johnstone & Company have outlined the types of commercial business insurance most startup companies need to consider. - [New year, new habits: ways to make sure you're moving your business forward](https://www.pjcoinsurance.com/blog/new-year-new-habits-ways-to-make-sure-youre-moving-your-business-forward): Looking to achieve your business goals in 2020? We shared ways to move your business forward and achieve your business goals this year. - [5 emerging insurance trends for 2020](https://www.pjcoinsurance.com/blog/5-emerging-insurance-trends-for-2020): As our insurance experts look ahead to what to expect this upcoming year, we outlined five emerging trends to expect in the insurance industry for 2020. - [Limestone County: Top Things You Need to Know](https://www.pjcoinsurance.com/blog/limestone-county-top-things-you-need-to-know): In Limestone County, there are many places to live, school systems, healthcare, and entertainment options for new residents. - [The truth about long-term disability insurance](https://www.pjcoinsurance.com/blog/the-truth-about-long-term-disability-insurance): Injured? Long-term disability insurance can help keep you financially stable if you face an injury and become disabled. - [New to Limestone County? Take advantage of these five resources.](https://www.pjcoinsurance.com/blog/new-to-limestone-county-take-advantage-of-these-five-resources): The Mazda Toyota plant brings new auto manufacturing suppliers to Limestone County. Taking advantage of Alabama's business resources can lead to more success. - [What is mini-storage insurance, and why do I need it?](https://www.pjcoinsurance.com/blog/what-is-mini-storage-insurance-and-why-do-i-need-it): Insurance for mini-storage businesses provide protection against theft, inclement weather, liability, and other possible accidents. - [Limestone County Is Growing Fast - 4 Reasons Why](https://www.pjcoinsurance.com/blog/limestone-county-is-growing-fast-4-reasons-why): With an influx of industry development and advanced training, Limestone County is poised to be one of the fastest-growing counties in Alabama. - [Mazda Toyota Manufacturing In Limestone County: What This Means For Your Company](https://www.pjcoinsurance.com/blog/mazda-toyota-manufacturing-in-limestone-county-what-this-means-for-your-company): Mazda Toyota automotive production plant is slated to bring 4,000 jobs to Limestone county, benefiting the local economy. How does this affect your business? - [4 Types of Insurance Every Millennial Needs to Know](https://www.pjcoinsurance.com/blog/insurance-every-millennial-should-know): It’s important to understand and explore your insurance options as a millennial young professional. Sleep easy at night knowing you’re covered! - [How We Helped Morgan Metals With Their Insurance](https://www.pjcoinsurance.com/blog/morgan-metals-insurance): From risk management to full insurance coverage, we helped Morgan Metals understand their insurance and get prepared for the future. - [Avoid These Common Misconceptions When Buying Commercial Renters Insurance](https://www.pjcoinsurance.com/blog/misconceptions-about-commercial-renters-insurance): Having a commercial renters insurance policy is essential for every business, but information can be conflicting. Learn the truth behind the myths! - [Uncommon Questions We Get That Fall Outside Insurance](https://www.pjcoinsurance.com/blog/uncommon-questions-we-get-that-fall-outside-insurance): Sometimes we run into situations where a client needs advice that falls outside of your typical insurance questions. Learn more about those situations below. - [Don’t Be Fooled by These Misconceptions About Renters Insurance](https://www.pjcoinsurance.com/blog/misconceptions-renters-insurance): Don't assume because you’re renting, you’re covered in an emergency. There are misconceptions to renters insurance that aren’t true. We’ve demystified them. - [Why Metal Fabricator Insurance Is Crucial for Your Operations](https://www.pjcoinsurance.com/blog/metal-fabricator-insurance): Metal fabricator insurance gives peace-of-mind to your business and workers that they'll be covered in the event of a problem. Are you prepared? Learn more now. - [How Agricultural Insurance Is Crucial for Your Farm](https://www.pjcoinsurance.com/blog/how-agricultural-insurance-is-crucial-for-your-farm) - [Cyber Liability Insurance: Is It Right for Your Company?](https://www.pjcoinsurance.com/blog/cyber-liability-insurance-is-it-right-for-your-company): What cyber liability insurance covers and whether it’s the right protection for your company. Explore risks, benefits, and how it safeguards your business. - [Is My Homeowners Policy Enough to Cover My Valuables?](https://www.pjcoinsurance.com/blog/is-my-homeowners-policy-enough): A homeowners insurance policy keeps your home safe, but if you own high-price valuables, it alone may not be enough to protect your prized possessions. - [Debunking the Dangerous Myths of Commercial Insurance](https://www.pjcoinsurance.com/blog/debunking-the-dangerous-myths-of-commercial-insurance) - [How to avoid the most common auto and home insurance mistakes](https://www.pjcoinsurance.com/blog/how-to-avoid-the-most-common-auto-and-home-insurance-mistakes) - [What is umbrella coverage? Doesn't my business have enough liability coverage already?](https://www.pjcoinsurance.com/blog/what-is-umbrella-coverage-doesnt-my-business-have-enough-liability-coverage-already) - [A "Lending Tree" approach to insurance: why independent insurance agencies look out for you better.](https://www.pjcoinsurance.com/blog/a-lending-tree-approach-to-insurance-why-independent-insurance-agencies-look-out-for-you-better) - [Understanding Risk Management](https://www.pjcoinsurance.com/blog/understanding-risk-management) - [Life Insurance Review](https://www.pjcoinsurance.com/blog/life-insurance-review) ## about - [About](https://www.pjcoinsurance.com/about): Pepper, Johnstone & Company was established in 1971 as a privately held insurance brokerage. Located in Alabama, our client-base extends to AR, FL, GA, KY, LA, MS, NY, VA and TN. - [Accessibility](https://www.pjcoinsurance.com/accessibility): Accessibility information for Pepper, Johnstone & Company. - [Areas We Insure](https://www.pjcoinsurance.com/about/areas): Pepper, Johnstone & Company is a full-service insurance agency that insures areas across Alabama, Georgia, Mississippi, Tennessee and more. - [Blog](https://www.pjcoinsurance.com/blog): Read the Pepper, Johnstone & Company blog for local, interesting and up-to-date Athens insurance news. - [Careers](https://www.pjcoinsurance.com/about/careers): Pepper, Johnstone & Company is a full-service insurance agency located in Athens, Alabama, and serving all of Alabama, Georgia, Mississippi, and Tennessee. - [Community Involvement](https://www.pjcoinsurance.com/about/community-involvement): Pepper, Johnstone & Company works hard to be good a corporate citizen and we encourage our employees to engage in causes they believe in and make significant investments in their convictions. - [Contact](https://www.pjcoinsurance.com/contact): Get in touch with Pepper, Johnstone & Company, an independent insurance agency with offices in Athens and Huntsville, Alabama that is dedicated to providing the best insurance options for you. - [Disclaimer](https://www.pjcoinsurance.com/disclaimer): Pepper, Johnstone & Company is a full-service insurance agency located in Athens, Alabama, and serving all of Alabama, Georgia, Mississippi, and Tennessee. - [Feedback](https://www.pjcoinsurance.com/about/feedback): Tell us what you think of Pepper, Johnstone & Company. We value your input! - [Home](https://www.pjcoinsurance.com/): 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. - [Independent Agent](https://www.pjcoinsurance.com/about/independent-agent): We an independent insurance agent located in Athens, Alabama. Find the right agent to take care of your insurance claims and provide information on rates. - [Insurance](https://www.pjcoinsurance.com/insurance): Pepper, Johnstone & Company offers many insurance products from reputable insurance companies. Learn why people in Athens trust us. - [Insurance Companies](https://www.pjcoinsurance.com/about/insurance-companies): Pepper, Johnstone & Company represents reputable insurance companies to offer a variety of insurance coverages at competitive rates. - [Newsletter Signup](https://www.pjcoinsurance.com/about/newsletter): Pepper, Johnstone & Company is a full-service insurance agency located in Athens, Alabama, and serving all of Alabama, Georgia, Mississippi, and Tennessee. - [Privacy Policy](https://www.pjcoinsurance.com/privacy-policy): Read Pepper, Johnstone & Company, Inc.'s privacy policy. - [Quotes](https://www.pjcoinsurance.com/quotes): Pepper, Johnstone & Company offers convenient online insurance quotes. Fill out our easy form or call 866-381-5821 for more info. - [Referrals](https://www.pjcoinsurance.com/about/referral-program): We value your referrals! Refer someone to Pepper, Johnstone & Company online or call us at 866-381-5821. - [Review Us](https://www.pjcoinsurance.com/about/review-us): Pepper, Johnstone & Company is a full-service insurance agency located in Athens, Alabama, and serving all of Alabama, Georgia, Mississippi, and Tennessee. - [Reviews & Testimonials](https://www.pjcoinsurance.com/about/client-testimonials): Customers have been trusting Pepper, Johnstone & Company with their insurance needs for many years. Find out what others have to say. - [Terms & Conditions](https://www.pjcoinsurance.com/terms-and-conditions): Read the Terms and Conditions of using the Pepper, Johnstone & Company website. ## specialty - [Artisan Contractor Insurance](https://www.pjcoinsurance.com/insurance/specialty/artisan-contractor-insurance): Get a quote on artisan contractor insurance with PJ&C Insurance. 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Explore our tailored insurance options for residents of AL, GA, MS, NC, SC, LA, TN, KY, FL, TX, NV, CA, CO, KS, OH, DC, IN, NJ, and WA today. - [Flood Insurance](https://www.pjcoinsurance.com/insurance/personal/flood-insurance): Protect your home and belongings with flood insurance coverage for hurricanes, storms and heavy rain. Compare options from 60+ carriers and get a free quote. - [Flood Insurance Quote](https://www.pjcoinsurance.com/insurance/personal/flood-insurance/quote): Athens flood insurance quote from Pepper, Johnstone & Company - [Homeowner Insurance](https://www.pjcoinsurance.com/insurance/personal/homeowner-insurance): Protect your Alabama home with coverage for structure, belongings and liability. 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Complete our secure quote form to explore Directors & Officers coverage tailored to your business needs. - [Employment Practices Liability Insurance](https://www.pjcoinsurance.com/insurance/business/employment-practices-liability-insurance): Employment claims are rising fast. PJ&C's EPLI insurance covers discrimination, harassment & wrongful termination, backed by 60+ carriers. Get a quote. - [Employment Practices Liability Insurance Quote](https://www.pjcoinsurance.com/insurance/business/employment-practices-liability-insurance/quote): Get EPLI insurance quotes from PJ&C. Complete our secure quote form to explore Employment Practices Liability Insurance options for your business. - [Fiduciary Liability Insurance](https://www.pjcoinsurance.com/insurance/business/fiduciary-liability-insurance): Fiduciary liability insurance protects plan sponsors from ERISA claims tied to employee benefit and pension plan management. 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