PC&L Agency, Inc. has served the Lowcountry for decades — providing personal, commercial, and specialty coastal coverage across Hilton Head, Bluffton, and Charleston.
SC and FL coastal storm coverage from named storm specialists
Private flood options beyond NFIP for coastal homeowners
Essential protection for SC businesses serving alcohol
Protect your business from digital threats and data breaches
From protecting your family's home to safeguarding your business, PC&L has the right coverage and the right carriers.
Comprehensive and liability coverage for personal vehicles, comparing rates across dozens of carriers to find you the best value.
Explore coverageProtect your biggest investment with tailored coverage, including coastal and high-value home specialists in the Lowcountry market.
Explore coverageOn-water protection for sailboats, powerboats, and personal watercraft along the SC and Georgia coastline.
Explore coverageAn extra layer of liability protection that goes beyond your standard policies — often for surprisingly little cost.
Explore coverageBusiness auto, general liability, property, and more — designed for businesses of all types and sizes in the Lowcountry.
Explore coverageRequired by South Carolina law and managed by experienced agents who understand the local market and your industry.
Explore coverageWe work for you, not the insurance companies. As an independent agency, we shop dozens of carriers to find coverage that fits your needs and budget.
Wind, hail, flood, hurricane — we understand the unique risks of SC coastal living and have specialty market access that generalist agencies don't offer.
We've built relationships with top-rated carriers over decades. When you have a claim or question, you reach a real person who knows your policy.
Our team speaks English, Spanish, and Portuguese — serving all communities across the Lowcountry with the same care and expertise.
Serving the SC Lowcountry & Coastal Florida
We measure our success by your satisfaction — and the relationships we've built across the Lowcountry over the years.
"PC&L found me better homeowners coverage than my previous carrier at a significantly lower premium — and they made the whole process easy. Highly recommend for anyone in the Bluffton area."
"After hurricane season anxiety every year, PC&L set us up with wind and flood coverage that actually makes sense for our Hilton Head home. Knowledgeable, patient team."
"As a restaurant owner needing liquor liability coverage, I couldn't find anyone who understood our needs until I called PC&L. Great options, explained everything clearly."
A quote costs you nothing but a few minutes — and it could put real money back in your pocket. Let our experienced team find the right coverage at the right price.