P C & L Agency
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PC&L Agency, Inc. is a large, well respected, rapidly growing general insurance agency with three 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.

PC&L Agency, Inc. has a wealth of experience in providing personal protection for its clients. This includes personal insurance such as Auto, Homeowners, Umbrella Liability, Boats, Jewelry, as well as commercial insurance such as Business Auto Insurance, Liability Insurance, and Workers Compensation Insurance. 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. PC&L Agency offers many products and coverages which can be tailored to meet your business insurance needs.
Services
From the Ocean to the Foothills and beyond, PC&L has the experience and presence to assist you with almost any insurance need.
Experience is key in our industry.
PC&L employs several former underwriters in house.
This gives us a distinct advantage.
Our folks know our markets, and can help make your insurance shopping experience more enjoyable.
PC&L Agency, Inc. has been providing insurance protection for clients, including personal insurance, commercial insurance, and beyond, for over a decade.
PC&L Agency, Inc. has a wealth of experience in providing personal protection for its clients, including auto, homeowners, boats, belongings and more.
PC&L's Commercial Insurance Coverage is specially designed to provide protections for businesses of all sorts of types as well as sizes.
Wind & Hail and Flood Insurance are two important coverages that require the attention of all coastal residents.
PC&L Agency, Inc. has a wealth of experience in providing personal protection for its clients, including auto, homeowners, boats, belongings and more.
PC&L Agency, Inc. has a wealth of experience in providing personal protection for its clients.
Included are Auto, Homeowners, Umbrella Liability, Boats, Jewelry and much more.
The Risks to any individual are two-fold, Property and Liability.
Property such as cars, houses, boats and personal articles are insured against direct insured loss.
Liability provides protection from other parties who allege that they or their property has been damaged as a result of your negligence.
PC&L offers reliable and affordable coverage for your auto insurance needs, including protection for your car, passengers, as well as any third parties involved.
Auto insurance can be very expensive when the wrong coverage is purchased.
We take great pains to market each client's policy with a number of insurance companies to find the best fit for the client.
Each and every household is classified and rated based on the vehicles, drivers and coverage.
Discounts available include safe driver, age and multi-car.
PC&L Homeowners Insurance policies provide protection for your home, in addition to its contents, loss of use, guest medical payments and liability.
Underwriting and providing homeowners/condo coverage is an area in which PC&L Agency, Inc. is especially proud.
With offices in Charleston, Myrtle Beach and Hilton Head we are experts in coastal insurance needs and have developed the needed relationships with insurers to meet the demand.
PC&L Agency is the most competitive homeowner's insurance agency in the Charleston, Hilton Head and Myrtle Beach areas.
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