PC & L Agency

read moreFrom 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.

read moreThe basic coverages on boat insurance are medical payments of others, physical damage to boat, and watercraft liability coverage. Medical Payment coverage pays for the medical expenses of you or someone in your household if an accident should occur. Physical Damage Coverage takes care of your boat at all times, hauling it, docking it, storing it, etc. Watercraft Liability Coverage pays for damages if you or someone in your household damages another boat, damages a dock, or injures another person.

read moreCommercial Insurance is specially designed coverage for businesses large and small, retail, contractors, manufacturers, services and more. We know just how important your business is to you. As a business owner you have a lot to protect. Running a business in today's economy is a challenge, but can also be very rewarding. Although keeping up with day-to-day operations takes up most of your time, you also must take all necessary precautions to safeguard your business from loss. Our objective is to maximize the benefit to your business.

read morePC&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 has been placing coverage on Hilton Head Island for over 10 years. Let us help you navigate this continuing evolving market.

read morePC&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. Legal fees protecting you against baseless claims can cost thousands of dollars.