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Pepper, Johnstone & Company
  • Business
  • Home
  • Auto
  • Life
This badge signifies we are a Trusted Choice agency. As a Trusted Choice agency, we understand your needs as a member of your local community. We use our broad market access to provide you with choices and are committed to offering you expertise, guidance, and tailored service for years to come.

Pepper, Johnstone & Company

Independent Insurance Agent in Athens, AL

About us

Protecting Your Tomorrow, Today.

Pepper, Johnstone & Company was established in 1971 as a privately held insurance brokerage. Unlike national firms whose decision-makers are located elsewhere, we are local, influential and responsive. Although based in Alabama, we serve clients throughout the southeastern and western United States. Although much has changed in our industry over the past 50+ years, our steadfast commitment to properly protecting and advising our clients remains the same.

Personal and Commercial Lines insurance professionals

Ask me about these types of insurance...

Having the right car insurance is so important, even more important is understanding all the ins and outs of your coverage to help protect you.

Request an automobile insurance quote

An independent insurance agent will make sure that your business is covered in the event of a catastrophe or sudden loss.

Request a business insurance quote

Get multiple quotes on your homeowners insurance with one phone call. Let an independent agent shop for you.

Request a homeowners insurance quote

If a data breach does happen, it's a wise decision to have a cyber liability insurance policy to help your company stay secure.

Request a cyber liability quote

An independent insurance agent will walk you through top umbrella policy options to make sure you have the proper coverage to tackle above and beyond claims.

Request an umbrella insurance quote

Restaurant insurance is a combo platter of coverage that protects your customers, employees, property and inventory.

Request a restaurant insurance quote

Why choose Pepper, Johnstone & Company

States we serve

  • Alabama
  • Arkansas
  • California
  • DC
  • Florida
  • Georgia
  • Kentucky
  • Louisiana
  • Mississippi
  • North Carolina
  • South Carolina
  • Tennessee

Our insurance coverages

Personal insurance coverage

  • ATV
  • Automobile
  • Boat
  • Builders Risk / Construction
  • Collectible Auto
  • Condo
  • Earthquake
  • Farm
  • Flood
  • Health
  • Home
  • Landlord
  • Mobile Home
  • Motorcycle
  • Other
  • Personal Watercraft
  • RV / Motorhome
  • Renters
  • Special Event
  • Umbrella
  • Valuable Items

Business insurance coverage

  • Bonds
  • Builders Risk
  • Business Owners Package (BOP)
  • Business Vehicle
  • Contractors Equipment
  • Cyber Liability
  • Directors & Officers
  • Employment Practices Liability
  • Errors & Omissions
  • General Liability
  • Inland Marine
  • Other
  • Professional Liability
  • Property
  • Umbrella / Excess
  • Workers' Compensation

Life & Annuties coverage

  • Annuities
  • Disability Income
  • Life
  • Long Term Care

Industries we serve

  • Accommodation and Food Services
  • Administrative and Support and Waste Management and Remediation Services
  • Agriculture, Forestry, Fishing and Hunting
  • Arts, Entertainment, and Recreation
  • Construction
  • Educational Services
  • Finance and Insurance
  • Health Care and Social Assistance
  • Information
  • Management of Companies and Enterprises
  • Manufacturing - Food / Beverage / Textiles / Apparel / Leather
  • Manufacturing - Metal / Machinery / Computer / Electrical / Transportation / Furniture
  • Manufacturing - Wood / Paper / Paper / Mining / Plastics
  • Mining, Quarrying, and Oil and Gas Extraction
  • Other Services (except Public Administration)
  • Professional, Scientific, and Technical Services
  • Public Administration
  • Real Estate and Rental and Leasing
  • Retail - Sporting Goods / Hobby / Music / General / Misc.
  • Retail - Vehicle / Home / Furniture / Building / Garden / Food / Health / Gas / Clothing
  • Transportation - Air / Rail / Water / Truck / Transit / Ground / Pipeline / Scenic
  • Transportation and Warehousing
  • Utilities
  • Wholesale Trade

Recommended insurance company partners

Other companies we work with:

AIG Insurance Company, AmTrust Financial, American Modern, Auto-Owners Insurance Company, Berkley Southeast Insurance Group, Burns & Wilcox, CIG Capitol Insurance Group, CNA, Centauri Insurance, Chubb, Cincinnati Insurance Company, Columbia Insurance Group, Donegal Mutual Insurance Company, FCCI Insurance Group, Firemans Fund Ins, Frankenmuth Mutual Insurance Company, Great American Insurance Company, GuideOne Insurance, Hagerty, Hartford Steam Boiler, Hiscox Ins Co Inc., Infinity Insurance Company, Intact Insurance, Johnson & Johnson Insurance, Markel Specialty, National General Insurance (GMAC), National Security Group, Oxford Life Insurance Company, Philadelphia Insurance Companies, RPS, Scottsdale Insurance Company, The Hartford, Transamerica, Universal Property & Casualty Insurance, Vindati, W. R. Berkley Insurance Group, Wright Flood

Pepper, Johnstone & Company Reviews

Average based on 17 reviews Leave a review

Customer Reviews

October 20, 2023

This is a great company to work with! Casandra did an excellent job making sure my claim was completed in a timely manner. Julie is always there to help me any time I need to make changes to my insurance needs. The staff is always professional to work with. I trust Pepper, Johnstone & Company with all my insurance needs and have for many years.

December 12, 2020

My husband & I have been clients of Pepper, Johnston & Company for about 50 years. We have always felt confident in trusting them with all our auto, home & life insurance needs. As an Independent Agency, they are more concerned with providing their clients with choices best suited for them. We highly recommend for anyone shopping for the best insurance coverage and service to contact any of the friendly, professional staff at Pepper, Johnstone & Company.

May 4, 2020

Pepper, Johnstone & Company is excellent. Our broker takes time to make us feel like we are the only clients. They are very thorough and work hard to make sure there are no gaps in coverage.

May 4, 2020

Pepper, Johnstone, & Company has become a crucial member of our business support team over the past several years. At the start, they performed an analysis of our business needs, our exposure areas, and determined the most comprehensive, yet economical, method of coverage. Their attention to detail ensures coverage lapses do not occur and that all proof of insurance requests from our clients are quickly met, typically in the same day. I have no concerns about liability exposure knowing that Pepper, Johnstone, & Company is looking out for us. I highly recommend their services to any business owner.

May 4, 2020

Any communication with this agency is pleasant, from the office staff to the agents. I am very satisfied with the policies and service provided.

May 4, 2020

Appreciate always being able to reach someone live. More than one person knowledgeable & able to help me. Everybody treats me as if I'm their only client. Bryan & Kellie are so very knowledgeable and friendly. I love having such a quick turn-around time on invoices and changes to our policies.

May 4, 2020

I view the discretion you and Travelers have shown based on the facts as a whole as a high degree of wisdom...if this whole thing goes through despite Murphy's Law #2 (if you see a light at the end of the tunnel it is probably a freight train), then I will certainly consider you to be wise counsel. This Thanksgiving, one of the many things I am thankful for is an outstanding insurance agent/broker - you.

May 4, 2020

Bryan is extremely knowledgeable with regards to all facets of insurance coverage and necessary policies. I trust him completely because I know that he understands the nuances and I know that he has integrity. When he makes a recommendation, I know it is in my best interest. He takes good care of both my personal and business insurance needs. I would not call anyone else about my insurance but Bryan.

May 4, 2020

I just wanted to let you know how much I appreciated your numerous interventions and attention to detail during the work on my house. Through the entire process there was never a doubt in my mind that you had my best interest at heart. I have experienced agents/brokers in the past that were most helpful until the sale was complete then not quite as much. That is certainly not the case with you. Once again I appreciate it greatly!

May 4, 2020

We are extremely satisfied with our advisor. Not only does he find the best 'product in a category' as an independent broker, but he reviews and discusses insurance needs from a macro perspective. Bryan Johnstone is a great advisor and great person!


Pepper, Johnstone & Company

Protecting Your Tomorrow, Today.

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