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Trusted Insurance Solutions in Charleston, SC
At P C & L Agency, we have built a reputation as a trusted leader in the insurance industry by anticipating market changes rather than simply reacting to them. With multiple locations across South Carolina, we specialize in coastal homeowners insurance, personal insurance, and commercial insurance, including workers' compensation. Our team includes former underwriters who bring deep industry expertise, enabling us to offer tailored coverage solutions that meet the unique needs of individuals and businesses. We work with a network of top-tier insurance providers to secure competitive rates while maintaining high service standards. Our commitment to client satisfaction is demonstrated through success stories where we've saved clients tens of thousands of dollars through strategic account management.By combining decades of experience with a proactive approach to risk management, we empower our clients to make informed decisions that protect their assets and futures. Our dedication to transparency and personalized service ensures that every client receives the attention and support they deserve. Whether you're seeking personal protection for your home and vehicle or comprehensive coverage for your business, we are here to provide reliable, cost-effective solutions. Our focus on innovation and client-centric service has made us a preferred choice among insurance providers in the region. We invite you to experience the difference that comes with working with a team that values long-term relationships and prioritizes your security above all else.
Services
Auto Insurance
Homeowners Insurance
Commercial Insurance
Workers' Compensation
Flood Insurance
Boat Insurance
Umbrella Insurance
Directors/Officers Insurance
Cyber Liability Insurance
Liquor Liability Insurance
Highlights and features
- We specialize in coastal homeowners insurance for South Carolina's unique risks.
- Our team includes former underwriters with deep industry expertise.
- We offer tailored coverage through partnerships with multiple top-tier insurers.
- We help clients save money through strategic risk management solutions.
- We provide specialty markets for high-risk accounts and complex needs.
Services
Auto Insurance
Our auto insurance protects personal and business vehicles with comprehensive coverage options. We offer liability protection, collision coverage, and uninsured motorist policies tailored to individual needs. Clients benefit from competitive rates through our partnerships with top insurers while receiving personalized support for claims and policy management.
Homeowners Insurance
We specialize in homeowners insurance for standard and coastal properties across South Carolina. Our policies cover structural damage, personal belongings, liability claims, and additional living expenses. With expertise in high-risk area coverage, we help clients secure customized protection that balances comprehensive coverage with affordability.
Workers' Compensation
Our dedicated workers' compensation division serves businesses of all sizes with policy analysis, experience modification reviews, and claims management. We help employers maintain compliance while implementing cost-saving strategies through risk assessment and access to specialized insurance markets for high-risk industries.
Commercial Insurance
We design commercial insurance packages that protect businesses from property damage, liability claims, and operational disruptions. Our offerings include business auto, general liability, and directors/officers insurance. Clients receive tailored solutions through our network of insurers, ensuring comprehensive protection aligned with their specific industry risks.
Flood Insurance
Recognizing coastal risks, we provide flood insurance policies that cover structural and content damage from flooding events. Our experts help clients navigate NFIP requirements and secure private market options where standard policies may have limitations, ensuring complete protection for high-value properties.
People
Bruce Bishop
President
With decades of insurance leadership experience, Bruce Bishop oversees PC&L's strategic direction. His expertise in risk management and coastal insurance markets ensures clients receive innovative solutions while maintaining the agency's growth trajectory across multiple states.
Jerry Bishop
Regional Director
Jerry Bishop manages regional operations in Florida and South Carolina markets. His background in underwriting helps clients navigate complex insurance needs, particularly in high-risk coastal areas where standard coverage often falls short of required protection.
Joey Jutzeler
Vice President of Operations
Joey Jutzeler leads daily operations and commercial insurance services. He specializes in business risk assessment and policy optimization, helping companies implement cost-saving measures through detailed experience modification analysis and claims management strategies.
Mary Winningham
Vice President of Personal Lines
Mary Winningham oversees personal insurance services with a focus on client satisfaction. Her team ensures homeowners and auto policyholders receive tailored coverage while leveraging industry relationships to secure competitive pricing and specialized coastal insurance solutions.
Dani Craven
Commercial Lines Specialist
Dani Craven provides expert commercial insurance guidance, particularly for businesses requiring specialized liability coverage. Her understanding of industry-specific risks helps clients implement comprehensive protection strategies that align with both regulatory requirements and operational needs.
Questions
What types of insurance does PC&L offer?
We provide personal insurance (auto, homeowners, boats) and commercial insurance (business auto, liability, workers' compensation, directors/officers) across South Carolina and select Florida locations.
How can PC&L help me save on insurance costs?
Our former underwriter team identifies savings opportunities through risk analysis, policy optimization, and access to specialty markets for high-risk accounts.
What should I do to file a claim?
Submit claims through our website or contact your local office during business hours. For emergencies after hours, use your policy's carrier claim number.
Do you specialize in coastal property insurance?
Yes, we have extensive experience providing tailored coverage for coastal homeowners and businesses in South Carolina's high-risk areas.
Are your insurance quotes free?
Yes, we provide no-cost consultations to help you find the best coverage at competitive rates without obligation.
