PEPPER, JOHNSTONE & COMPANY BLOG

Common Renters Insurance Misconceptions — It's easy to assume that because you’re renting, you’re covered in the event of an emergency; sometimes, however, landlords or property managers are lax on coverage, and you may be without coverage for problems out of your control. — We typically see…

Arguably, the metalworking industry employs some of the most skilled employees in the nation. Metalworkers don’t sit behind a desk and push paper; instead, they operate heavy equipment like press brakes, ironworkers, plasma tables, roll presses, and with the skill of a surgeon, they are binding…

Running a commercial ranch or farm requires comprehensive insurance solutions that differ from other industries. Whereas most businesses rely on straightforward commercial policies, oftentimes farmers or ranchers live on the same property as their business, which blends a combination of commercial…

In today’s age, technology is a major part of our business operations: from conducting banking to running retail and e-commerce. As our reliance on technology grows, it’s becoming increasingly imperative that we’re aware of the importance of having cyber liability insurance as a failsafe in the…

Your home is your family’s hub: it’s your sanctuary and the most valuable asset you own. Protecting your home (even if you’re renting) with a homeowners insurance policy keeps you safe in the event of a theft or natural disaster, but if you own high-price valuables, a homeowners policy alone may…

We see the news littered with headlines about major companies being sued for countless reasons and we assume only the majors players are liable for legal complications, but even small businesses --- including your mom-and-pop stores --- can come under fire without insurance protection. It can…

Insurance. We all need it, but how can you make sure that you have the coverage that you need without overspending or underspending? We’re accustomed to making purchasing decisions based on price, but this can spell disaster when it comes to insurance. Pepper, Johnstone & Company can help you…

Umbrella insurance is an apt name for this coverage that extends over and beyond other underlying policies to protect your business or home. You may believe that you have the coverage that you need, but umbrella insurance could be the difference between life and death for your business or family…

So, when you get ready to purchase an insurance policy for auto or home, who comes to mind?  State Farm? Nationwide? Allstate?  That’s what a lot of people would say.  However, there’s a better, more effective, more comprehensive solution that’s right under your nose:  an independent insurance…

Risk Management — WHAT IS RISK MANAGEMENT? — Most entrepreneurs are risk takers, willing to invest  resources with an expectation and hope, but no guarantee, of reward. But, from the viewpoint of insurance, "risk" is another word for "peril" and refers to things that can go wrong. Crime, vandalism,…