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Your Trusted Insurance Partner in South Carolina
PC & L Agency has been a trusted leader in the insurance industry for over a decade, specializing in personalized and commercial insurance solutions across South Carolina and select Florida locations. Our team of experienced professionals, including former underwriters, brings deep market knowledge to deliver tailored coverage for coastal homeowners, auto insurance, workers' compensation, and business liability. We prioritize proactive risk management, leveraging industry expertise to secure competitive rates and credits for our clients.With offices in Charleston, Hilton Head, Bluffton, Myrtle Beach, Spartanburg, and The Villages, we combine local insight with nationwide carrier partnerships to meet diverse insurance needs. Our commitment to client satisfaction extends beyond policy sales through dedicated claims support and long-term relationships built on trust and transparency.
Services
Auto Insurance
Homeowners Insurance
Commercial Insurance
Workers' Comp Insurance
Flood Insurance
Cyber Liability Insurance
Boat Insurance
Mobile Home Insurance
Directors & Officers Insurance
Highlights and features
- We specialize in coastal homeowners insurance for South Carolina's unique risks
- Our team includes former underwriters with deep market expertise
- We offer tailored insurance solutions for businesses of all sizes
- We provide 24/7 claims assistance through local offices and carrier partnerships
- We've saved clients over $22,000 through policy re-evaluations
What people say
Significant savings
Personalized service
Expert guidance
Quick claims processing
Experienced team
Services
Commercial Insurance
Our Commercial Insurance solutions protect businesses of all sizes with liability coverage, property insurance, and workers' compensation. We partner with multiple carriers to create customized policies that address specific industry risks while maximizing cost-saving opportunities through risk management credits.
Coastal Homeowners Insurance
Specialized coastal homeowners insurance covers hurricane, wind, and hail damage for properties in high-risk areas. Our experts evaluate individual risk factors to create comprehensive policies that include dwelling protection, personal property coverage, and liability safeguards tailored to South Carolina's coastal environment.
Workers' Compensation Insurance
We provide workers' compensation insurance with services including experience modification reviews, claims analysis, and second injury reporting. Our program helps businesses manage workplace injury risks while maintaining compliance with state regulations and protecting both employers and employees from financial liabilities.
Auto Insurance
Our auto insurance policies offer comprehensive coverage for personal and business vehicles, including collision, liability, and uninsured motorist protection. We help clients secure competitive rates through multiple carrier partnerships while providing personalized service for claims assistance and policy adjustments.
Flood Insurance
We offer flood insurance policies through the National Flood Insurance Program and private carriers to protect properties in flood-prone areas. Our specialists help clients understand flood risk zones, secure appropriate coverage limits, and navigate the claims process for water damage restoration and property recovery.
People
Bruce Bishop
President
With decades of insurance industry leadership, Bruce Bishop guides PC&L's strategic direction while maintaining hands-on client relationships. His expertise in risk management and carrier negotiations ensures clients receive comprehensive protection at competitive rates.
Joey Jutzeler
Vice President of Operations
Joey Jutzeler oversees daily operations and client service standards. His background in insurance operations ensures efficient policy management and claims processing for both personal and commercial clients across multiple states.
Mary Winningham
Vice President of Personal Lines
Mary Winningham specializes in personal insurance solutions, bringing extensive experience in homeowners, auto, and specialty coverage. She leads the personal lines team in delivering tailored protection for individuals and families.
Dani Craven
Commercial Lines Specialist
Dani Craven focuses on commercial insurance needs, helping businesses secure liability protection, property coverage, and risk management strategies. Her industry knowledge supports clients in navigating complex commercial insurance requirements.
Jerry Bishop
Regional Director
Jerry Bishop serves as regional director for Florida operations, extending PC&L's expertise to clients in Orlando and The Villages. His regional focus ensures localized service while maintaining the agency's high standards.
Questions
What types of insurance do you offer?
We provide personal insurance (auto, homeowners, boat), commercial insurance (business auto, liability, workers' comp), and specialty coverage like flood and cyber liability insurance.
Do you specialize in coastal property insurance?
Yes, we specialize in coastal homeowners insurance for South Carolina's unique risks, including hurricane, wind, and hail damage protection.
How can you help businesses save on insurance costs?
We help businesses qualify for risk management credits, review experience modifications for workers' comp, and partner with multiple carriers to find cost-effective coverage solutions.
What areas do you serve?
We serve clients throughout South Carolina including Charleston, Hilton Head, Bluffton, Myrtle Beach, and Spartanburg, plus select Florida locations like Orlando and The Villages.
How do I file a claim after hours?
For urgent claims after business hours, contact your local office or use the emergency number listed on your insurance policy document.
Can you help with high-risk insurance needs?
Yes, we work with specialty markets to provide coverage for higher-risk accounts that may not qualify through standard insurance channels.
