The PC&L Story

PC&L Agency, Inc. is a large, well-respected, rapidly growing general insurance agency with multiple locations in South Carolina specializing in coastal homeowners insurance, personal and commercial insurance services, and workers' compensation insurance. PC&L Agency is a proven leader among Hilton Head, Bluffton, and Charleston, SC insurance companies.

At PC&L, we strive to anticipate changes in the insurance industry rather than simply reacting to them. We feel that this approach has resulted in maximum long-term benefits for all our insurance clients. Management of the risks which face every business or individual is a complex challenge — we consider that challenge an opportunity.

As an independent agency, PC&L works for you, not the insurance companies. We shop dozens of carriers to find the right coverage at the right price.

What Sets Us Apart

From the Ocean to the Foothills and beyond, PC&L has the experience and presence to assist you with almost any insurance need. PC&L employs several former underwriters in-house — this gives us a distinct advantage. Our team knows our markets and can make your insurance shopping experience more enjoyable.

Our Team

Meet the experienced professionals serving you across all our locations.

Locations & Hours

Multiple offices across SC and FL.

Partners & Providers

Relationships with many of the nation's finest insurance carriers.

Success Stories

Our success is dependent upon our customers' continued support.