Auto

Auto insurance offers an array of different coverages.  Most policies provide medical, liability and property coverage.  Medical coverage takes care of the cost of injuries as well as physical therapy.  Some types of medical coverage also pay for loss of pay and funeral costs.  Liability coverage pays for the insured's legal responsibility to cover the cost of property or physical harm to others.  Property coverage takes care of any harm of a vehicle, including theft.

Here at PC&L we work with many different insurance providers to get you the best possible coverage at the best price.  We can provide credits for safe drivers, age, multi-car discounts, as well as specialty markets for SR-22, and other high risks.  Pay plans are also available.

Printable Home Inventory Forms

Homeowners

Homeowners insurance can cover a variety of different features of your home.  Most insurance policies cover your dwelling, personal property, other structures on your property, loss of use of your home, personal liability, and medical payments to others.  Optional endorsements to a policy include but are not limited to water and sewage back-up, identity theft, earthquake coverage, special computer coverage, and watercrafts.  Some companies also provide credits for newer homes, security features, and gated communities.

Here at PC&L Agency we can process many different types of homeowners insurance, for example, policies that include or exclude wind and hail or flood coverage.  We can also process stand alone wind coverage using admitted carriers protected by the State Guaranty Fund.  PC&L Agency is a Coastal Homeowners Specialty Agency representing all carriers available.

Umbrellas

Personal umbrella insurance acts as protection once your other insurance policy has been used up.  Most personal umbrella policies cover liability at large costs, a lot of times in the millions.  It is always good to have a personal umbrella policy when purchasing high value property, so you can avoid losing any possessions that you have.

Boats

The 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.

Mobile Homes

Mobile home policies typically include the following:

• Mobile Home Protection

• Protection for Improvements

• Personal Property Protection

• Family Liability Protection

• Guest Medical Protection

• Loss of Use of Your Mobile Home

Commercial Insurance

Commercial 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.  That's just one of the reasons we take time to:

• Analyze your business needs.

• Develop a plan that is customized and responsive to your own specific situation.

• Offer you competitive pricing that is reflective of your exposure and experience.

• Conduct regular reviews of your insurance program to make sure it mirrors any changes that occur in your business.

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.

Whether you are in manufacturing, distribution, retail or construction, we offer the right combination of coverages to meet your needs.

PC&L Agency offers many products and coverages which can be tailored to meet your business insurance needs.  Furthermore our Business Policies are customized and responsive to your specific needs, no matter how big or small.

Below is a list of a few of the more common insurance coverages that are available on a typical business insurance program.

• Business Automobile - this coverage is available to protect your business from the liability associated with operating automobiles.  Coverage is available for owned, non-owned, and hired vehicles including autos, trucks, vans, tractors and trailers.  Physical damage coverage is also available.

• Commercial Liability - provides coverage including defense for liabilities associated with operating a commercial business enterprise.  Policies are tailored to meet the specific risk management needs of your business.

•  Commercial Property - provides coverage for your buildings and contents.  Coverages range from specific named-perils policies to broader "special form" policies.

• Directors and Officers - designated to protect the Directors and Officers of your organization from damages and defense costs due to civil claims, claims of negligence, and errors and/or omissions.

Worker's Compensation

The underwriting and placement of Worker's Compensation policies are areas where we expend a lot of effort.  Due to the significant expense of Worker's Compensation, we believe that a well managed program is essential.  Our agency prefers to place Worker's Compensation coverage in a standard guaranteed cost market through "A" rated carriers.  Removing insured clients from the Worker's Compensation Assigned Risk Pool is a priority!  We also have the expertise to check on your experience mods to be sure they are calculated correctly by NCCI (National Council on Compensation Insurance).  In addition, PC&L Agency shops our clients' accounts regularly with our ever-expanding insurance carrier base to ensure that we are providing them with the best prices for the coverage they need. 

PC&L Agency has a dedicated division for this type of insurance offering experience mod reviews, claims analysis, and second injury reporting.

It does not matter what you do or where you do it, PC&L Agency Inc. can provide you with general liability and property coverage.  From the single-man contractor to the multi-million dollar chemical manufacturer, our experienced staff can tailor  the coverage you need to insure your business.

A Few Success Stories

• Charleston Area Paint Contractor - An existing client.  Our agency remarketed their account and saved them over $7,000.

• Charleston Area Carpet Contractor - New client.  Our agency removed them from the Assigned Risk Pool and saved them over $14,000.

•  Plumbing Contractor in the Midlands - An existing client.  Our agency remarketed their account and saved them over $22,000.

As you can see, our services do not stop after the sale.  Our success is dependent upon our customers continued support.  Please click here for a Worker's Compensation information form and contact us today.  A quote costs you no more than the time to gather some basic information, but that time could put money back in your pocket!  We look forward to adding your business to our success stories.

Todas las oficinas de PC & L cuentan con empleados hispanos, quienes asisten a la comunidad con sus inquietudes acerca de seguros y la cobertura de los mismos. PC & L les ofrece seguros tanto personales como de negocios.